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.... and operational systems in synchronization with each other and for the bank to stay profitable, there must be a high level of interprocess integration (Pleshko, 2006). IT systems are the enablers of the modern banking business model because these systems make interprocess integration possible, further enabling greater accuracy and efficiency (Keziere, 2009). In building a business case for automating a bank, it is critical to first look at the opportunity costs of having employees do the majority of tasks by hand relative to automating them through the use of systems and software. One study indicates that when a bank first defines a specific objective for increasing Return on Assets (ROA) they have been able to attain in aggregate a 15.8% increase in performance as a result of automating related processes (Leem, Yoon, Park, Kyu, 2004). Increasing the ROA of a bank is based on streamlining the many processes involved in serving customers, from managing their mortgages and debts to making the highest returns on their money market funds. The precision needed to manage both the debt levels of banks and the investments they make have made IT an essential investment (Bielski, 2005). For banks customer loyalty is the lifeblood

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