Visualisation - locating hubs
OK, we agree we need to centralise more. But do we really need additional hubs? If so, where? We’d shown that this bank could further centralise 55%. They had 10 regional hubs. We felt these weren’t enough. But how to prove it? For regional activities, the key factor is distance. (That’s why they’re regional and not central.) For example, cheque clearing can be delayed at most one day, to transfer the cheque to a nearby hub. Shipping them all to, say Gurgaon, would take 2-3 days and that’s too long. ...