Ibm Earned Billions !!!

Recently , I had to sell my asset .I had taken a composite loan from a leading banker!.I had two option.
1. Take the money from buyer and preclose the loan
2. Transfer the loan to buyer

I did 2nd one. Everything went fine till the last night and boom came shock that I had actually pay 2% penalty for preclosing the loan.Bear in mind that I had actually introduced a new customer to them with a much Higher interest rate of the loan and I was stamped with more penalty.Well , the guy I was actually dealing ,belong to sales department and It took 2 odd days to convince him that whyI dnt need to pay penalty for actually introducing the customer !Alls well and he told me to approach Operations department(Ops)! I introduce myself to this smart lady and I tell her to preclose the loan!Shell shocked she actually tells me to come between 12th and 20th of evry month for preclosure.Unfortunately I had to narrate her the entire flash back as to what happened in the sales department.....the story continues to be in loop...

I noticed 2 things

1. The leading banker was actually working as two disintegrated organisation (one sales organisation and the other Opns organisation though both belong to the same Banking wing!!!)
2. Customer delight went to -10 from +10 - My case was dangling all along and I am fighting till now!

To integrated these department , we need some basic Integration point and this exactly what IBM did in its late 1990. It exploited and built some interfaces across different vendors of software & hardware and today stands accolade for being a billionaire company.....

The great system (In this case : IBM) is not built on complex strategies but on basic needs of life and they did don the industry for many years....Simple but yet astonshing......