8270 Greensboro Drive, Suite 1000, McLean, VA 22102 703.752.7900 In 2009, a newly formed commercial branchless bank headquartered in Brazil embarked on an ambitious endeavor: to start an entrepreneurial web-based banking model. To do so, they invested in a central enterprise resource planning (ERP) system and web-based applications to automate all transactions within their bank. Critical to the success of their project was the accuracy and s

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