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| San Francisco, CA, USA Overcoming the Fear Factor:
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| Executive Summary | 3 |
| Why The Fear Factor? | 5 |
| Today's Business Environment: Drivers To Change | 8 |
| What Is Better About Modern Core Systems | 12 |
| Webster Bank | 18 |
| Surprises About Outsourcing | 28 |
| Conclusion | 38 |
| Appendix A | 39 |
| Objectivity & Methodology | 40 |
| About Celent | 41 |
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