One key example of this is Remote Deposit Capture (RDC), and banks' wild variation of penetration percentages with commercial customers. Best-in-class banks report 48% remote capture penetration. Conversely, median banks report 25% penetration and those in the bottom 20th percentile have a 10% remote capture penetration. These disparities are a function of a bank's inability to translate capabilities into client needs and the magnitude is stark.

The biggest thing that sets banks with the money apart is their go-to-market capabilities. Go-to-market capabilities is the disciplined delivery of bank capabilities to client needs. This whitepaper outlines the foundational elements of a go-to-market infastructure and provides valuable insights around resolving the disconnect that limits banks' potential to effectivly meet client needs and deliver products with a compelling value proposition to drive revenue for the bank.