should telenor provide financial services in retail banking in serbia? is yes what type of starategic services should it provide? what are risks and opportunities? what six segments should telenor target? should telenor leverage its brand aur come up with new brand to avoid risk of brand dilution? how could telenor bring offering to life through different marketing six decisions? what should the actual product feel and look like? what is the ideal way to communicate about it? how should telenor allocate resources to earned vs paid vs owned media? what should be the message? what product and service make sense?