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Information Technology StrategiesHow Leading Firms use IT to gain an Advantage$
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William V. Rapp

Print publication date: 2002

Print ISBN-13: 9780195148138

Published to Oxford Scholarship Online: October 2011

DOI: 10.1093/acprof:oso/9780195148138.001.0001

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International Retail Banking: Sanwa Bank, Citigroup

International Retail Banking: Sanwa Bank, Citigroup

(p.214) 10 International Retail Banking: Sanwa Bank, Citigroup
Information Technology Strategies

William V. Rapp

Oxford University Press

Citigroup is believed to be the top player in international retail banking because of its ability to make the most of technological advances in electronic banking. Domestically however, Sanwa Bank—which is now a member of the UFJ Group and Financial One alliance, also possesses a high rank in terms of retail banking strategies in Japan. It could be observed though that Citi accounts for Japan's highest growth consumer-market segment. This chapter examines the role of IT in consumer banking, specifically in the case of the said two banks through discussing retail banking in Japan, the development of Sanwa Bank, Citigroup's consumer operations specifically on financial services and banking industries, and the Level 3 IT support structure strategy that Citigroup practices across the globe.

Keywords:   Citigroup, Sanwa Bank, banking industry, retail banking, consumer-market segment, IT, IT support structure

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