We only want to own and develop what is relevant to our business. All the rest should be changeable as needed, and the replacement should neither cost much nor cause distraction to our business

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We needed to find a way of consistently keeping the costs lower, the time to market shorter, and the quality of products and services competitive while gradually reducing the dependencies on aging skills and technology

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We needed to allow our Business to innovate, not to be too much constrained by the Technologists

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Ideally, we should be able to define our new systems by selecting from available modules ‘a-la-carte’, and we should have choices of where to get those modules e.g. build or buy

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We don’t want to buy or design completely new systems when we advance to a new territory e.g. client type, geographies, jurisdictions, etc.  or start using a new distribution channel, - the systems must be smart and extendable and the companies take different routes to remediate the problems

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