System error efficiency programme: From cost blocks to value modules
Mandatory investments and a high cost base tie up valuable change budgets. H&Z identifies structural cost drivers and creates scope for transformation and innovation through procurement and IT optimisation.
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- System error efficiency programme: From cost blocks to value modules
Manage costs before the pressure hits – Procurement & IT as enablers of transformation
Banks continue to invest in regulatory compliance and innovation – yet the cost base keeps rising. As a result, transformation budgets are blocked. Too often, efficiency programs are launched only in times of crisis – reactive, rushed, and rarely sustainable.
At H&Z, we believe value-driven cost management must start during growth phases – not in downturns
We focus on indirect spend and internal IT costs to uncover structural inefficiencies, build transparency, and unlock significant savings – all while preserving operational resilience.
H&Z supports banks in realizing targeted purchasing and IT cost optimization with the H&Z Value Framework. Structured. Data-driven. Execution-focused.
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Get in Contact with our experts:
Sven C. Schumacher
Oliver Wehrkamp
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