And who has time for a weekly exercise simulating launching a new product launch or selling to a particular vertical market?

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The restructuring process, which began in 2009, is expected to reduce manufacturing costs, increase efficiency, facilitate far more flexibility in labor requirements, and will also help reduce product development time by 30% that will enable the company to launch new models faster.

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This new product enables national managers to put all those various posts together and time them for local managers to easily launch.

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They take their time to think about new-fangled ideas, so the wait to launch a new financial product can be interminable.

ECONOMIST: Japanese finance