Thread #4A: Which kind of IT is more important for VTB? OK, given what we have concluded so far about VTB's business strategy and it's Value Chain activities, what is more important for VTB: 1) Internally facing IT applications Like ERP (see pp. 319-327) that focus on operational excellence and integration? Or externally focused customer-facing web applications to build customer loyalty and extend the market? Question Thread #4B: Priorities for VTB (pulling it all together) Now that we have come closer to a complete picture of VTB, what kinds of new products or services does it need? What IT applications are needed to support these services? In short, what are your recommendations to the new CIO (Bob Stetzel) given his limited resources and time/focus