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Instead, they should selectively mix and match; some companies will need just one or two of the following, whereas others would need the full package to stay competitive…Some guidelines apply to all of the listed five business functions, which is why it is common to see them in many cost-cutting projects.

Since in regular times customer centricity is a key priority for most companies, service level targets can tend to have been set aggressively and can thus be lowered during times of crisis..Outsourcing has been around for sometime as an effective way of decreasing operational costs and complexities.An executive from Deutsche Bank even went as far to saying that “if you don't do it, you won't survive".With the downturn, this has become even more critical…the cost to serve a customer via the internet pales in comparison to branch service costs. loyalty program incentives, higher interest rates, etc.) can be used to drive the migration of customers to lower cost channels.Parallel to staff optimization, companies should be looking into closure of their unprofitable channels, ATMs and branches, in order to decrease cost of sales and services.

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