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In an environment of changing regulations, evolving market requirements and increasing competition where flawless customer service has become a prerequisite, banks need to be nimble and proactive to change. One of the major challenges that banks face today is this ability to be agile. This is why when developing its software the Avaloq group has in mind first and foremost, to provide its customer banks with the right framework to enable them to respond swiftly to change whilst minimizing risk and cost.