1A.T.Kearney37/comshape/yk2A.T.Kearney37/comshape/ykChinfonA.T.KearneyStaffTimingConsultingBudgetRequirementsProjects4222222222211111110111125125125808080125125125125PhaseI1.Improvecustomerserviceandplanotheroperationalimprovements2.Developautopackageandcross-selltoexistingcustomers3.Aligncreditcardportfolioanddevelopyoungfamilycreditcard4.Developinformationtechnologyplanforlifestagemarketing5....