financial services are getting more customized and the margins are getting thinner. clients also tend to care very little about the cleverness about the back en

financial services are getting more customized and the margins are getting thinner. clients also tend to care very little about the cleverness about the back end solutions and only about whether it works better than the alternatives and whether it is cheaper. time to market is very low, and the quality hurdle is your best competitor. this is just the nature of the sell side. and after all is said and done banks are huge organizations and it's hard to really stand out whether one is a salesperson or an innovator.