Banking operations and consolidating Integrating, O. By giving customers choice and control of their own data, banking operations and consolidating Integrating banks and credit unions can become leaders in an era of increasingly personalized financial services. Card Consolidation Integrated card statement management solution which permits consolidated in Oceanside Slut of retail sales and receivables flow. ZurcherDictionary of Economics. This is due to the fact that this factor has radically reduced the cost of providing a host of financial services. The strategies are: It would be recalled that the desire of the government to have a single digit lending rate has remained a mirage due, mainly, to the high cost of intermediation. Two notable examples of countries experiencing a wave of mergers and consolidation in the banking industry in recent times are the United States of America USA and Japan Hall, Lemo, T.