Most of Business Excellence – Total Quality models provide a static view and processing of Total Quality issues. This paper proposes a system of Business Excellence taking into consideration: current European practices of Total Quality and competitiveness, a modular, open architecture like...

In a competitive and globalized banking era, customers constitute one of the most important and valuable assets of a bank. Banks’ technological developments are interpreted as the intensive use of information technology and facilitating massive collection of information and their direct and...