Banking for the Future Bank policy and procedure change, or any work-around changes to be done to meet the Bank's requirements. V-A started the customization of its proposed Core Bank- ing System according to the agreement with the Bank. During this process, there were some amendments and changes, which arose for different reasons. New gov- ernment regulations needed to be implemented in the system; also, as the users started to be subjected to the environment of development, they started to have new ideas and requirements. Most of them were minor, but some had a major impact on the customization. This was a cause of some friction both internally between the IS/IT unit and users, and externally between the Bank and V-A. As the customiza- tion process was going on, the Bank implemented a training programme for both users and IS/IT staff. Up until the time this research ended, the implementation of the core banking system had not yet been completed. ANALYSIS AND DISCUSSION The following sections address each attribute of the four domains of the readiness/ GP model within the context of the Bank.