Security: I don't understand it, so I'm not going to allow it. Even if I did allow it, I'm going to treble your costs with a penetration test, a massive security review, and another couple of layers of technology to minimise the chance of even theoretical attacks succeeding.
I.T Architect: That's not our standard. Yes, I realise this is so new it isn't on our architectural roadmap, but in the interests of architectural purity, I can't allow it till I've tire kicked for at least a few months. Anyway, we're fast followers. Why on earth would we agree to be the first?
Risk: Nope. It is my role to mitigate risks to the bank, not to work out how to accept them. Look what happened last time – on my watch – when we took a few risks.
Finance: You want to invest now? You must be joking. Anyway, your numbers show little or no return until year 3. Don't bother unless you can get a return this year. And preferably this quarter.
Call Centre Director: Forget it, I'm not investing in training.
Branch Director: Neither am I.
Online Channel: Is it Web 2.0? Everyone tells me that's what's needed. In fact, Web 2.0 is the answer to everything.
Marketing: The budget is already spent. And our message is "back to basics" banking anyway.
CEO: Yes, that's right. Back to basics. It worked for hundreds of years. It will work now. You need to rethink what you're doing.