[talkingtab]

An organization such as a bank is a self-consistent entity. And the culture is the organization. Organization === culture. If you don't believe it, look at Microsoft - they cannot change for the life of them. You want to try to change part of the organism and what that will do is to make you foreign to the rest of it. Bad news.

People think that "saving money" will justify changes. It is not true, an organism will not destroy itself in order to become more efficient.