CHAPTER 5 The Value in Conquering Complexity
It all started innocently enough. About four years ago, a few of Bank One's Wholesale Lockbox customers asked if they could use overnight delivery and get their deposits—sometimes as much as $1 million—credited quickly the following day. Bank One naturally said "No problem. We'll give you a four-hour turnaround time. And there won't be any charge for the service."
And, at first, it wasn't a problem. They'd receive a few overnight deliveries, each containing one or two items at most. But very quickly, the overnight business mushroomed. Now, many of the Wholesale Lockbox customers use this service, which may range from a single deposit to multiple deposits, and may contain anywhere from 1 to 500 checks, ...
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