Challenge AGF built its business on fast credit application turnaround time — 15 minutes, guaranteed. To do it, AGF had to hustle — literally. The typical retailer faxed a consumer’s credit application to AGF’s Credit Processing Center, where one of a staff of runners would grab the incoming document from a bank of 70 fax machines and speed it to one of 60 credit analysts. The analyst would immediately score the application, print out the response, and hand it to the closest available runner. The runner then ran back to the Processing Center, and the scored response was faxed back to the retailer. Delivering on their promise of the speediest application turnaround, AGF’s business grew. The manual fax process grew too — into a logistical nightmare. Runners, fax machines, and

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