The document outlines four emerging modular process models for transforming retail banking processes: 1) Horizontally organized model focuses on common customer capture and origination services across home loans, personal loans, and credit cards. 2) Vertically organized model concentrates on product-specific processes for each offering. 3) Predominately horizontally organized model emphasizes common services but also includes some product-specific processes. 4) Predominately vertically organized model focuses on product-specific processes but also includes some shared services.

1. Home loans Personal loans Credit Cards 1) Horizontally organized 2) Vertically organized 3) Predominately horizontally organized 4) Predominately vertically organized Customer capture Product specific Originate Customer capture Close Originate Service Home loans Personal loans Credit Cards Customer Capture + Origination Specific services Product specific Outsourced Transforming Retail Banking Processes: Four Modular Process Models Are Emerging Common services Customer Capture + Origination Home loans Personal loans Credit Cards Product specific Transforming Retail Banking Processes, Opportunities for action in financial services, The Boston Consulting Group, 2004