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  "documentTitle": "The Reinvention of Retail Banking: How focused business models can unlock value",
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      "text": "1. UK banks have an exceptionally broad offering and there is limited differentiation in the eyes of the customer. This breadth includes both the segments they serve and the products they offer.",
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      "text": "2. UK banking remains one of the most vertically-integrated sectors in the UK economy. Most banks still own and manage the end-to-end value chain; from product manufacturing, distribution and servicing through to underwriting and funding. While there has been a steady increase in outsourcing and partnerships, these moves tend to be made on a case-by-case basis to address specific issues. To make a real difference, the moves would arguably need to be faster, more all-encompassing and built around a coherent strategy.",
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