one at a time, to understand the robustness of the underlying busi-
ness process innovations and the technical and social architecture.
Core Branch Banking (1998)
As ICICI emerged out of the highly regulated environment more
than a decade ago, its core banking services began targeting a large
segment of customers. The company’s primary challenge in its
new retail phase was quality and consistency in basic banking ser-
64 THE NEW AGE OF INNOVATION
money to ...