Re: Here's my list, and not just for banks...
Your principles are sound, and you might be able to pull this philosophical change off in small enterprises.
The big banks are far too big for this to be implemented on a day to day basis. Most are like oil tankers and take years to turn. You can put the tiller full to Starboard (or Port, don't want to discriminate), but she's not going to change direction quickly. It takes a long time for all the parts to get the idea they're moving in a new direction, and you have multiple layers of managers who report through each other, and they don't learn new tricks quickly - they're managers ffs, they know how to do this!.
#cynical
Biting the hand that feeds IT
