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Top 10 op risks 2021: organisational change

Change the sole constant as industry ponders its post-Covid future

When HSBC, Europe’s largest bank, announced late last month that it planned to reduce office space by 40%, it encapsulated what the long months since the start of the coronavirus crisis have driven home to many banks: plenty of the changes to operating environments wrought by Covid will be permanent. 

In an era when many customers have learned to live without being able to visit their lender’s

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