Source: https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-4-c007/
Author: Phil Hatch
Publisher: Akholi

How many years of experience do you have in your career?

Study Data · Part 4 · Indicator Deep-Dive Analysis

# How many years of experience do you have in your career?

Indicator C007 · By Phil Hatch · Akholi · October 9, 2026

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## On this page

22 sectionsIndicator SpecificationSummary of FindingsDistribution of ResponsesCoverage and Origin of Written ResponsesDistribution of Written SentimentDescriptive Statistics by SegmentTests of Difference Between SegmentsAssociation with Cancellation RateAssociation with Customer SatisfactionAssociation with the Engagement Indicator MeanAssociation with Intent to LeaveComparison of Associations Across the Four MeasuresClustering and Effective Sample SizeEquivalence Tests of Null ResultsRobustness ChecksMeasure Independence and Part-Whole CorrectionComparison with the Study NormCo-Occurring Indicators and ThemesInterpretation of the DataLimitationsDefinitionsSources and Provenance

## Indicator Specification

Table 1. Indicator specificationTable

| Field | Value |
| --- | --- |
| Indicator code | C007 |
| Question as asked | How many years of experience do you have in your career? |
| Failure category | Not one of the 100 rated indicators |
| Place in the survey | Respondent Demographics > 1.2 Experience and Expertise > Tenure |
| Indicator class | Respondent level |
| Indicator type | Typed number |
| Response scale | A number, as typed or recorded |
| Answering base | 797 of 850 respondents, across 150 of 150 engagements |
| Non-answers | I do not know 0, I prefer to not answer 0, blank 53 |
| Written responses addressing the indicator | 4 responses from 4 respondents on 4 engagements (0 primary, 4 secondary) |

## Summary of Findings

Table 2. Key results: association of the indicator with the four study measuresTable

| Measure | Form | n | r | 95% CI | p |
| --- | --- | --- | --- | --- | --- |
| Cancellation rate | Descriptive contrast | 150 engagements | −0.11 | −0.26 to 0.05 | 0.191 |
| Customer satisfaction | Clean estimate | 94 engagements | 0.03 | −0.17 to 0.23 | 0.757 |
| Engagement indicator mean | Full | 150 engagements | 0.10 | −0.06 to 0.26 | 0.208 |
| Intent to leave | Respondent level, clustered | 746 respondents | −0.09 | −0.15 to −0.04 | 0.001 |

Respondents typed the number of years of experience in their career. The mean answer was 3.9 years and the median 2.0, from 0 to 25 (n = 797 respondents). An answer of zero, recorded as under one year, came from 61 respondents.

The engagement mean of experience was not associated with cancellation (r = −0.11, 95% CI −0.26 to 0.05, p = 0.191, n = 150 engagements), customer satisfaction among active engagements (r = 0.03, 95% CI −0.17 to 0.23, p = 0.757, n = 94 engagements) or the engagement indicator mean (r = 0.10, 95% CI −0.06 to 0.26, p = 0.208, n = 150 engagements), and each association was equivalent to zero. At respondent level, more experienced respondents reported lower intent to leave (r = −0.09, cluster bootstrap 95% CI −0.15 to −0.04, p = 0.001 with standard errors clustered by engagement, n = 746 respondents), an association small enough to be equivalent to zero as well. Experience differed sharply by role: individual contributors had a mean of 1.9 years, engagement managers 10.0 and portfolio directors 15.1.

Four written responses addressed experience, each in answer to a question outside the indicator's section. Three came from respondents early in their careers.

## Distribution of Responses

Table 3. Distribution of responses, respondent levelTable

| Answer | Respondents | Share of answered (base 797) | Cumulative share | Engagements with at least one | Share of 150 engagements | Distressed |
| --- | --- | --- | --- | --- | --- | --- |
| 0.0 to 2.5 | 445 | 55.83% | 55.83% | 150 | 100.00% | Not applicable |
| 2.5 to 5.0 | 169 | 21.20% | 77.04% | 108 | 72.00% | Not applicable |
| 5.0 to 7.5 | 35 | 4.39% | 81.43% | 35 | 23.33% | Not applicable |
| 7.5 to 10.0 | 34 | 4.27% | 85.70% | 34 | 22.67% | Not applicable |
| 10.0 to 12.5 | 61 | 7.65% | 93.35% | 61 | 40.67% | Not applicable |
| 12.5 to 15.0 | 24 | 3.01% | 96.36% | 24 | 16.00% | Not applicable |
| 15.0 to 17.5 | 21 | 2.63% | 99.00% | 20 | 13.33% | Not applicable |
| 17.5 to 20.0 | 5 | 0.63% | 99.62% | 5 | 3.33% | Not applicable |
| 20.0 to 22.5 | 2 | 0.25% | 99.87% | 2 | 1.33% | Not applicable |
| 22.5 to 25.0 | 1 | 0.13% | 100.00% | 1 | 0.67% | Not applicable |
| I do not know | 0 | Not in base | Not in base | 0 | 0.00% | Not applicable |
| I prefer to not answer | 0 | Not in base | Not in base | 0 | 0.00% | Not applicable |
| Answered, total | 797 | 100.00% | | 150 | 100.00% | |

Table 4. Distribution of responses, engagement levelTable

| Engagement level summary | Engagements | Mean of engagement means | SD | Min | Median | Max | Engagements with a distressed mean | Share of engagements distressed |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Engagement means, as recorded | 150 | 4.0 | 1.3 | 1.9 | 3.7 | 7.8 | Not applicable | Not applicable |

Experience is a typed count of years and not a rating, so no distressed range applies. Answers concentrated at the low end: 445 of the 797 answers (55.83%) were under 2.5 years, and 114 (14.30%) were 10 years or more. No respondent answered I do not know or I prefer to not answer, and 61 answers of zero are counted as under one year. The engagement mean of experience ran from 1.9 to 7.8 years.

## Coverage and Origin of Written Responses

All four responses were secondary. They came from 3 questions outside the indicator's own survey section (C135 with 2 responses, C156 with 1 response and C177 with 1 response). Three came from respondents early in their careers. One described a proposal on the AI practice that the respondent's managers declined to read, on the ground that the author needed more experience. Another described the respondent as a fresher who knew more about AI than the executive team. A third, four months into a first job, described absorbing by hand the work left by decisions no one above would make. The fourth came from a respondent with fourteen years of status reviews, who described a forecast pack withdrawn after a tool reported success it had not achieved.

Figure 1. Written responses addressing the indicator, by question answered and written score (n = 4 responses)ExhibitNote: Each bar is one survey question outside the indicator's survey section, so every response is secondary. Segments carry their count. C135 asked: “Add any comments on your employer that the ratings in this section do not capture.” C156 asked: “Add any comments on the joint management of this engagement that the ratings in this section do not capture.” C177 asked: “Add any comments on the agentic AI tools that the ratings in this section do not capture.”Table 5. Written responses by originTable

| Origin | Responses | Respondents | Engagements | Negative | Strongest negative (−10) | Positive | Mean written score |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Primary | 0 | 0 | 0 | 0 | 0 | 0 | None |
| Secondary | 4 | 4 | 4 | 1 of 4 | 0 of 4 | 0 of 4 | ‡ |
| All responses | 4 | 4 | 4 | 1 of 4 | 0 of 4 | 0 of 4 | ‡ |

Note: ‡ Base under 10. No statistic is reported.

## Distribution of Written Sentiment

Figure 2. Distribution of written sentiment (n = 4 responses)ExhibitNote: Column height is the number of responses at each score. With fewer than 10 responses, labels give counts and no shares.

Of the four responses, one was negative and the others neutral. With fewer than 10 responses, the distribution is reported as counts only.

## Descriptive Statistics by Segment

Table 6a. Descriptive statistics by segment, part 1 of 2Table

| Segment | Base | Answered | Answer rate | Engagements | Mean | 95% CI | SD |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Study set | 850 | 797 | 93.76% of 850 | 150 | 3.9 | 3.6 to 4.2 | 4.3 |
| Outsourcing model | | | | | | | |
| CXM | 232 | 211 | 90.95% of 232 | 42 | 4.2 | 3.6 to 4.8 | 4.4 |
| ITO | 244 | 228 | 93.44% of 244 | 40 | 3.8 | 3.3 to 4.3 | 4.0 |
| BPO | 209 | 200 | 95.69% of 209 | 37 | 3.9 | 3.3 to 4.5 | 4.5 |
| KPO | 165 | 158 | 95.76% of 165 | 31 | 3.9 | 3.3 to 4.6 | 4.3 |
| Institution type | | | | | | | |
| Asset management | 132 | 125 | 94.70% of 132 | 24 | 3.8 | 3.1 to 4.5 | 4.0 |
| Wealth management and private banking | 140 | 132 | 94.29% of 140 | 23 | 3.9 | 3.1 to 4.6 | 4.2 |
| Investment banking (advisory and capital-markets origination) | 105 | 95 | 90.48% of 105 | 19 | 4.0 | 3.1 to 4.9 | 4.4 |
| Insurance (life, property and casualty, health) | 78 | 78 | 100.00% of 78 | 14 | 3.5 | 2.6 to 4.4 | 3.9 |
| Commercial and business banking | 82 | 78 | 95.12% of 82 | 13 | 4.0 | 3.0 to 5.0 | 4.4 |
| Payments and merchant acquiring (networks, acquiring, processing) | 71 | 65 | 91.55% of 71 | 13 | 4.3 | 3.1 to 5.5 | 4.9 |
| Credit card and payments issuing | 73 | 67 | 91.78% of 73 | 12 | 3.9 | 2.8 to 5.0 | 4.4 |
| Retail and consumer banking | 73 | 70 | 95.89% of 73 | 12 | 4.2 | 3.0 to 5.3 | 4.9 |
| Markets and trading (sales and trading, global markets) | 57 | 52 | 91.23% of 57 | 11 | 3.7 | 2.6 to 4.7 | 3.7 |
| Private equity and private capital | 39 | 35 | 89.74% of 39 | 9 | 4.7 | 3.1 to 6.3 | 4.8 |
| Process family | | | | | | | |
| Corporate and back-office functions | 248 | 237 | 95.56% of 248 | 47 | 3.9 | 3.4 to 4.5 | 4.3 |
| Technology engineering and operations | 204 | 188 | 92.16% of 204 | 35 | 3.9 | 3.3 to 4.5 | 4.0 |
| Client servicing and communications | 94 | 88 | 93.62% of 94 | 16 | 3.6 | 2.8 to 4.4 | 3.9 |
| Trade, settlement and reconciliation | 80 | 76 | 95.00% of 80 | 15 | 3.9 | 3.0 to 4.8 | 4.0 |
| Payments, cards and disputes | 73 | 66 | 90.41% of 73 | 12 | 4.6 | 3.1 to 6.0 | 5.8 |
| Credit, underwriting and suitability | 57 | 54 | 94.74% of 57 | 9 | 3.8 | 2.7 to 4.8 | 3.9 |
| Regulatory, audit, tax and legal | 51 | 48 | 94.12% of 51 | 9 | 4.3 | 2.9 to 5.6 | 4.8 |
| Financial crime and client onboarding | 43 | 40 | 93.02% of 43 | 7 | 4.0 | 2.6 to 5.4 | 4.4 |
| Class of work | | | | | | | |
| LOB Operational | 451 | 421 | 93.35% of 451 | 76 | 3.9 | 3.5 to 4.4 | 4.4 |
| Corporate Functional | 399 | 376 | 94.24% of 399 | 74 | 3.9 | 3.5 to 4.4 | 4.1 |
| Engagement status and lifecycle stage | | | | | | | |
| Active, Build-Out | 175 | 163 | 93.14% of 175 | 31 | 3.8 | 3.2 to 4.5 | 4.1 |
| Active, Transition/Cut-Over | 250 | 232 | 92.80% of 250 | 43 | 4.2 | 3.6 to 4.8 | 4.6 |
| Active, Production | 103 | 95 | 92.23% of 103 | 20 | 4.2 | 3.3 to 5.1 | 4.5 |
| Canceled | 322 | 307 | 95.34% of 322 | 56 | 3.7 | 3.3 to 4.2 | 4.1 |
| Respondent role | | | | | | | |
| Individual Contributor | 667 | 614 | 92.05% of 667 | 150 | 1.9 | 1.8 to 2.0 | 1.1 |
| Engagement Manager | 150 | 150 | 100.00% of 150 | 150 | 10.0 | 9.5 to 10.4 | 2.9 |
| Portfolio Director | 31 | 31 | 100.00% of 31 | 31 | 15.1 | 13.7 to 16.4 | 3.6 |
| Customer Management Executive | 2 | 2 | 2 of 2 | 2 | ‡ | | |
| Vendor type | | | | | | | |
| IT services major | 316 | 300 | 94.94% of 316 | 59 | 4.0 | 3.5 to 4.5 | 4.3 |
| BPO specialist | 198 | 181 | 91.41% of 198 | 37 | 4.1 | 3.4 to 4.7 | 4.3 |
| Consulting firm | 117 | 110 | 94.02% of 117 | 23 | 3.9 | 3.1 to 4.7 | 4.3 |
| Boutique or specialist provider | 87 | 80 | 91.95% of 87 | 17 | 4.6 | 3.5 to 5.7 | 5.0 |
| Pure-play agentic AI firm | 75 | 71 | 94.67% of 75 | 14 | 4.1 | 3.1 to 5.1 | 4.4 |
| Not reported, recovered by engagement | 57 | 55 | 96.49% of 57 | 46 | 2.0 | 1.5 to 2.6 | 2.0 |

Note: ‡ Base under 10. No statistic is reported.Table 6b. Descriptive statistics by segment, part 2 of 2Table

| Segment | Min | Q1 | Median | Q3 | Max | Distressed n | Distressed % |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Study set | 0.0 | 1.0 | 2.0 | 4.0 | 25.0 | Not applicable | Not applicable |
| Outsourcing model | | | | | | | |
| CXM | 0.0 | 1.0 | 2.0 | 4.0 | 19.0 | Not applicable | Not applicable |
| ITO | 0.0 | 1.0 | 2.0 | 4.0 | 18.0 | Not applicable | Not applicable |
| BPO | 0.0 | 1.0 | 2.0 | 4.0 | 25.0 | Not applicable | Not applicable |
| KPO | 0.0 | 1.0 | 2.0 | 4.0 | 20.0 | Not applicable | Not applicable |
| Institution type | | | | | | | |
| Asset management | 0.0 | 1.0 | 2.0 | 4.0 | 20.0 | Not applicable | Not applicable |
| Wealth management and private banking | 0.0 | 1.0 | 2.0 | 4.0 | 25.0 | Not applicable | Not applicable |
| Investment banking (advisory and capital-markets origination) | 0.0 | 1.0 | 2.0 | 3.5 | 18.0 | Not applicable | Not applicable |
| Insurance (life, property and casualty, health) | 0.0 | 1.0 | 2.0 | 3.0 | 17.0 | Not applicable | Not applicable |
| Commercial and business banking | 0.0 | 2.0 | 2.0 | 4.0 | 20.0 | Not applicable | Not applicable |
| Payments and merchant acquiring (networks, acquiring, processing) | 0.0 | 1.0 | 2.0 | 5.0 | 17.0 | Not applicable | Not applicable |
| Credit card and payments issuing | 0.0 | 1.0 | 2.0 | 4.5 | 18.0 | Not applicable | Not applicable |
| Retail and consumer banking | 0.0 | 1.0 | 2.0 | 4.0 | 18.0 | Not applicable | Not applicable |
| Markets and trading (sales and trading, global markets) | 0.0 | 1.0 | 3.0 | 4.0 | 18.0 | Not applicable | Not applicable |
| Private equity and private capital | 0.0 | 1.0 | 2.0 | 9.0 | 16.0 | Not applicable | Not applicable |
| Process family | | | | | | | |
| Corporate and back-office functions | 0.0 | 1.0 | 2.0 | 4.0 | 18.0 | Not applicable | Not applicable |
| Technology engineering and operations | 0.0 | 1.8 | 2.0 | 4.0 | 18.0 | Not applicable | Not applicable |
| Client servicing and communications | 0.0 | 1.0 | 2.0 | 3.3 | 16.0 | Not applicable | Not applicable |
| Trade, settlement and reconciliation | 0.0 | 1.0 | 2.0 | 4.0 | 20.0 | Not applicable | Not applicable |
| Payments, cards and disputes | 0.0 | 1.0 | 2.0 | 7.0 | 25.0 | Not applicable | Not applicable |
| Credit, underwriting and suitability | 0.0 | 1.0 | 2.5 | 4.0 | 15.0 | Not applicable | Not applicable |
| Regulatory, audit, tax and legal | 0.0 | 1.0 | 2.0 | 4.8 | 19.0 | Not applicable | Not applicable |
| Financial crime and client onboarding | 0.0 | 1.0 | 2.0 | 4.5 | 17.0 | Not applicable | Not applicable |
| Class of work | | | | | | | |
| LOB Operational | 0.0 | 1.0 | 2.0 | 4.0 | 25.0 | Not applicable | Not applicable |
| Corporate Functional | 0.0 | 1.0 | 2.0 | 4.0 | 18.0 | Not applicable | Not applicable |
| Engagement status and lifecycle stage | | | | | | | |
| Active, Build-Out | 0.0 | 1.0 | 2.0 | 4.0 | 18.0 | Not applicable | Not applicable |
| Active, Transition/Cut-Over | 0.0 | 1.0 | 2.0 | 4.0 | 25.0 | Not applicable | Not applicable |
| Active, Production | 0.0 | 1.0 | 2.0 | 4.5 | 18.0 | Not applicable | Not applicable |
| Canceled | 0.0 | 1.0 | 2.0 | 4.0 | 20.0 | Not applicable | Not applicable |
| Respondent role | | | | | | | |
| Individual Contributor | 0.0 | 1.0 | 2.0 | 3.0 | 4.0 | Not applicable | Not applicable |
| Engagement Manager | 5.0 | 8.0 | 10.0 | 12.0 | 18.0 | Not applicable | Not applicable |
| Portfolio Director | 8.0 | 14.0 | 15.0 | 17.0 | 25.0 | Not applicable | Not applicable |
| Customer Management Executive | ‡ n = 2 | | | | | | |
| Vendor type | | | | | | | |
| IT services major | 0.0 | 1.0 | 2.0 | 4.0 | 20.0 | Not applicable | Not applicable |
| BPO specialist | 0.0 | 1.0 | 2.0 | 5.0 | 20.0 | Not applicable | Not applicable |
| Consulting firm | 0.0 | 1.0 | 2.0 | 4.0 | 17.0 | Not applicable | Not applicable |
| Boutique or specialist provider | 0.0 | 1.8 | 3.0 | 5.3 | 18.0 | Not applicable | Not applicable |
| Pure-play agentic AI firm | 0.0 | 2.0 | 3.0 | 4.0 | 25.0 | Not applicable | Not applicable |
| Not reported, recovered by engagement | 0.0 | 1.0 | 2.0 | 2.0 | 14.0 | Not applicable | Not applicable |

Note: ‡ Base under 10. No statistic is reported.

Every figure in the segment tables is at respondent level. Segments with fewer than 30 respondents carry no interval. Segments with fewer than 10 report counts only.

## Tests of Difference Between Segments

Table 7a. Tests of difference between segments, part 1 of 2Table

| Segment family | Welch F | df | p | Holm p | Omega squared | 90% CI |
| --- | --- | --- | --- | --- | --- | --- |
| Outsourcing model | 0.47 | 3, 79.6 | 0.706 | 1.000 | −0.010 | 0.000 to 0.033 |
| Institution type | 0.58 | 8, 48.8 | 0.786 | 1.000 | −0.023 | 0.000 to 0.035 |
| Process family | 0.28 | 4, 38.7 | 0.891 | 1.000 | −0.022 | 0.000 to 0.021 |
| Class of work | 0.09 | 1, 148.0 | 0.766 | 1.000 | −0.006 | 0.000 to 0.021 |
| Engagement status and lifecycle stage | 0.98 | 3, 61.7 | 0.409 | 1.000 | 0.001 | 0.000 to 0.056 |
| Respondent role | 754.01 | 2, 67.9 | < 0.001 | < 0.001 | 0.832 | 0.817 to 0.845 |
| Vendor type | 8.92 | 5, 253.7 | < 0.001 | < 0.001 | 0.011 | 0.001 to 0.029 |

Table 7b. Tests of difference between segments, part 2 of 2Table

| Segment family | Kruskal-Wallis H | p | Distressed chi-square | df | p | Cramer's V | Levels excluded |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Outsourcing model | 1.50 | 0.681 | Not applicable | Not applicable | Not applicable | Not applicable | None |
| Institution type | 3.54 | 0.896 | Not applicable | Not applicable | Not applicable | Not applicable | Private equity and private capital, n = 9 |
| Process family | 1.09 | 0.897 | Not applicable | Not applicable | Not applicable | Not applicable | Credit, underwriting and suitability, n = 9, Regulatory, audit, tax and legal, n = 9, Financial crime and client onboarding, n = 7 |
| Class of work | 0.24 | 0.622 | Not applicable | Not applicable | Not applicable | Not applicable | None |
| Engagement status and lifecycle stage | 2.59 | 0.460 | Not applicable | Not applicable | Not applicable | Not applicable | None |
| Respondent role | 434.95 | < 0.001 | Not applicable | Not applicable | Not applicable | Not applicable | Customer Management Executive, n = 2 |
| Vendor type | 12.97 | 0.024 | Not applicable | Not applicable | Not applicable | Not applicable | None |

Segment families recorded at engagement level were tested on engagement means, and none differed after Holm correction. Respondent role and vendor type were tested on respondents. Experience differed by role (Welch F 754.01, Holm p < 0.001, omega squared 0.832): individual contributors had a mean of 1.9 years (n = 614), engagement managers 10.0 (n = 150) and portfolio directors 15.1 (n = 31). The customer management executive level, with two respondents, did not enter the test. Experience also differed by vendor type (Welch F 8.92, Holm p < 0.001), a small effect (omega squared 0.011).

## Association with Cancellation Rate

Cancellation rate is the share of engagements canceled by the study date, measured at engagement level (150 engagements, 56 canceled). Canceled engagements were described after cancellation. The association is therefore a descriptive contrast and not a forecast of cancellation.

Table 8a. Association with cancellation rate by segment, part 1 of 2Table

| Segment | Engagements | Canceled | Cancellation rate | Point-biserial r | 95% CI | p | Holm p |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Study set | 150 | 56 | 37.33% of 150 | −0.11 | −0.26 to 0.05 | 0.191 | 1.000 |
| Outsourcing model | | | | | | | |
| CXM | 42 | 15 | 35.71% of 42 | −0.12 | −0.41 to 0.19 | 0.464 | 1.000 |
| ITO | 40 | 15 | 37.50% of 40 | −0.05 | −0.36 to 0.26 | 0.739 | 1.000 |
| BPO | 37 | 14 | 37.84% of 37 | −0.35 | −0.61 to −0.03 | 0.034 | 0.711 |
| KPO | 31 | 12 | 38.71% of 31 | 0.10 | −0.27 to 0.44 | 0.605 | 1.000 |
| Institution type | | | | | | | |
| Asset management | 24 | 13 | 54.17% of 24 | −0.23 | † | 0.290 | 1.000 |
| Wealth management and private banking | 23 | 8 | 34.78% of 23 | −0.19 | † | 0.379 | 1.000 |
| Investment banking (advisory and capital-markets origination) | 19 | 9 | 47.37% of 19 | 0.00 | † | 0.997 | 1.000 |
| Insurance (life, property and casualty, health) | 14 | 5 | 35.71% of 14 | 0.54 | † | 0.044 | 0.881 |
| Commercial and business banking | 13 | 4 | 30.77% of 13 | −0.25 | † | 0.416 | 1.000 |
| Payments and merchant acquiring (networks, acquiring, processing) | 13 | 3 | 23.08% of 13 | 0.09 | † | 0.768 | 1.000 |
| Credit card and payments issuing | 12 | 5 | 41.67% of 12 | −0.13 | † | 0.695 | 1.000 |
| Retail and consumer banking | 12 | 4 | 33.33% of 12 | −0.37 | † | 0.235 | 1.000 |
| Markets and trading (sales and trading, global markets) | 11 | 3 | 27.27% of 11 | −0.09 | † | 0.787 | 1.000 |
| Private equity and private capital | 9 | 2 | 2 of 9 | ‡ | | | |
| Process family | | | | | | | |
| Corporate and back-office functions | 47 | 19 | 40.43% of 47 | −0.10 | −0.37 to 0.20 | 0.516 | 1.000 |
| Technology engineering and operations | 35 | 10 | 28.57% of 35 | −0.21 | −0.51 to 0.13 | 0.220 | 1.000 |
| Client servicing and communications | 16 | 9 | 56.25% of 16 | 0.31 | † | 0.249 | 1.000 |
| Trade, settlement and reconciliation | 15 | 8 | 53.33% of 15 | 0.33 | † | 0.222 | 1.000 |
| Payments, cards and disputes | 12 | 2 | 16.67% of 12 | −0.52 | † | 0.083 | 1.000 |
| Credit, underwriting and suitability | 9 | 1 | 1 of 9 | ‡ | | | |
| Regulatory, audit, tax and legal | 9 | 4 | 4 of 9 | ‡ | | | |
| Financial crime and client onboarding | 7 | 3 | 3 of 7 | ‡ | | | |
| Class of work | | | | | | | |
| LOB Operational | 76 | 30 | 39.47% of 76 | −0.10 | −0.32 to 0.13 | 0.387 | 1.000 |
| Corporate Functional | 74 | 26 | 35.14% of 74 | −0.11 | −0.33 to 0.12 | 0.341 | 1.000 |
| Engagement status and lifecycle stage | | | | | | | |
| Active, Build-Out | 31 | 0 | 0.00% of 31 | a | | | |
| Active, Transition/Cut-Over | 43 | 0 | 0.00% of 43 | a | | | |
| Active, Production | 20 | 0 | 0.00% of 20 | a | | | |
| Canceled | 56 | 56 | 100.00% of 56 | a | | | |

Note: † Base under 30. No interval is reported. ‡ Base under 10. No statistic is reported. a Not tested: no variation in cancellation.Table 8b. Association with cancellation rate by segment, part 2 of 2Table

| Segment | Odds ratio per point | 95% CI | AUC | Rate, distressed engagements | Rate, other engagements | Fisher p | TOST p |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Study set | 0.84 | 0.64 to 1.09 | 0.56 | Not applicable | Not applicable | Not applicable | 0.007 |
| Outsourcing model | | | | | | | |
| CXM | 0.84 | 0.53 to 1.33 | 0.57 | Not applicable | Not applicable | Not applicable | 0.114 |
| ITO | 0.92 | 0.56 to 1.51 | 0.52 | Not applicable | Not applicable | Not applicable | 0.060 |
| BPO | 0.43 | 0.19 to 1.00 | 0.73 | Not applicable | Not applicable | Not applicable | 0.627 |
| KPO | 1.17 | 0.66 to 2.09 | 0.57 | Not applicable | Not applicable | Not applicable | 0.130 |
| Institution type | | | | | | | |
| Asset management | 0.65 | † n = 24 | 0.68 | Not applicable | Not applicable | Not applicable | 0.356 |
| Wealth management and private banking | 0.66 | † n = 23 | 0.61 | Not applicable | Not applicable | Not applicable | 0.304 |
| Investment banking (advisory and capital-markets origination) | 1.00 | † n = 19 | 0.54 | Not applicable | Not applicable | Not applicable | 0.108 |
| Insurance (life, property and casualty, health) | 12.39 | † n = 14 | 0.86 | Not applicable | Not applicable | Not applicable | 0.841 |
| Commercial and business banking | 0.59 | † n = 13 | 0.56 | Not applicable | Not applicable | Not applicable | 0.428 |
| Payments and merchant acquiring (networks, acquiring, processing) | 1.15 | † n = 13 | 0.70 | Not applicable | Not applicable | Not applicable | 0.245 |
| Credit card and payments issuing | 0.82 | † n = 12 | 0.59 | Not applicable | Not applicable | Not applicable | 0.292 |
| Retail and consumer banking | 0.58 | † n = 12 | 0.75 | Not applicable | Not applicable | Not applicable | 0.595 |
| Markets and trading (sales and trading, global markets) | 0.83 | † n = 11 | 0.50 | Not applicable | Not applicable | Not applicable | 0.270 |
| Private equity and private capital | ‡ n = 9 | | | | | | |
| Process family | | | | | | | |
| Corporate and back-office functions | 0.86 | 0.54 to 1.35 | 0.54 | Not applicable | Not applicable | Not applicable | 0.080 |
| Technology engineering and operations | 0.62 | 0.29 to 1.33 | 0.61 | Not applicable | Not applicable | Not applicable | 0.299 |
| Client servicing and communications | 2.49 | † n = 16 | 0.67 | Not applicable | Not applicable | Not applicable | 0.509 |
| Trade, settlement and reconciliation | 1.98 | † n = 15 | 0.67 | Not applicable | Not applicable | Not applicable | 0.553 |
| Payments, cards and disputes | 0.03 | † n = 12 | 0.90 | Not applicable | Not applicable | Not applicable | 0.788 |
| Credit, underwriting and suitability | ‡ n = 9 | | | | | | |
| Regulatory, audit, tax and legal | ‡ n = 9 | | | | | | |
| Financial crime and client onboarding | ‡ n = 7 | | | | | | |
| Class of work | | | | | | | |
| LOB Operational | 0.85 | 0.59 to 1.22 | 0.55 | Not applicable | Not applicable | Not applicable | 0.037 |
| Corporate Functional | 0.82 | 0.55 to 1.22 | 0.55 | Not applicable | Not applicable | Not applicable | 0.049 |
| Engagement status and lifecycle stage | | | | | | | |
| Active, Build-Out | a | | | | | | |
| Active, Transition/Cut-Over | a | | | | | | |
| Active, Production | a | | | | | | |
| Canceled | a | | | | | | |

Note: † Base under 30. No interval is reported. ‡ Base under 10. No statistic is reported. a Not tested: no variation in cancellation.

Across the study set, the engagement mean of experience was not associated with cancellation (r = −0.11, 95% CI −0.26 to 0.05, Holm p = 1.000, n = 150 engagements). The association held after Holm correction in none of the 20 segment levels tested.

## Association with Customer Satisfaction

Customer satisfaction is the percentage recorded against each engagement. The primary estimate uses the 94 active engagements. A descriptive contrast uses all 150 engagements.

Table 9a. Association with customer satisfaction by segment, part 1 of 2Table

| Segment | Active engagements | Clean r | 95% CI | p | Holm p | Spearman rho | p |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Study set | 94 | 0.03 | −0.17 to 0.23 | 0.757 | 1.000 | 0.02 | 0.872 |
| Outsourcing model | | | | | | | |
| CXM | 27 | 0.13 | † | 0.528 | 1.000 | 0.17 | 0.398 |
| ITO | 25 | 0.18 | † | 0.385 | 1.000 | 0.19 | 0.376 |
| BPO | 23 | −0.03 | † | 0.882 | 1.000 | −0.11 | 0.610 |
| KPO | 19 | −0.31 | † | 0.191 | 1.000 | −0.28 | 0.241 |
| Institution type | | | | | | | |
| Asset management | 11 | 0.25 | † | 0.454 | 1.000 | 0.14 | 0.688 |
| Wealth management and private banking | 15 | −0.06 | † | 0.822 | 1.000 | 0.00 | 0.997 |
| Investment banking (advisory and capital-markets origination) | 10 | −0.30 | † | 0.399 | 1.000 | −0.41 | 0.241 |
| Insurance (life, property and casualty, health) | 9 | ‡ | | | | | |
| Commercial and business banking | 9 | ‡ | | | | | |
| Payments and merchant acquiring (networks, acquiring, processing) | 10 | 0.08 | † | 0.832 | 1.000 | 0.40 | 0.250 |
| Credit card and payments issuing | 7 | ‡ | | | | | |
| Retail and consumer banking | 8 | ‡ | | | | | |
| Markets and trading (sales and trading, global markets) | 8 | ‡ | | | | | |
| Private equity and private capital | 7 | ‡ | | | | | |
| Process family | | | | | | | |
| Corporate and back-office functions | 28 | 0.24 | † | 0.212 | 1.000 | 0.20 | 0.317 |
| Technology engineering and operations | 25 | 0.02 | † | 0.916 | 1.000 | 0.00 | 0.993 |
| Client servicing and communications | 7 | ‡ | | | | | |
| Trade, settlement and reconciliation | 7 | ‡ | | | | | |
| Payments, cards and disputes | 10 | 0.06 | † | 0.877 | 1.000 | 0.19 | 0.590 |
| Credit, underwriting and suitability | 8 | ‡ | | | | | |
| Regulatory, audit, tax and legal | 5 | ‡ | | | | | |
| Financial crime and client onboarding | 4 | ‡ | | | | | |
| Class of work | | | | | | | |
| LOB Operational | 46 | −0.01 | −0.30 to 0.28 | 0.936 | 1.000 | −0.03 | 0.825 |
| Corporate Functional | 48 | 0.08 | −0.20 to 0.36 | 0.568 | 1.000 | 0.08 | 0.590 |
| Engagement status and lifecycle stage | | | | | | | |
| Active, Build-Out | 31 | −0.19 | −0.51 to 0.17 | 0.296 | 1.000 | −0.17 | 0.361 |
| Active, Transition/Cut-Over | 43 | 0.04 | −0.27 to 0.33 | 0.809 | 1.000 | 0.01 | 0.948 |
| Active, Production | 20 | 0.26 | † | 0.277 | 1.000 | 0.25 | 0.289 |
| Canceled | 0 | a | | | | | |

Note: † Base under 30. No interval is reported. ‡ Base under 10. No statistic is reported. a Not tested: canceled engagements fall outside the active population.Table 9b. Association with customer satisfaction by segment, part 2 of 2Table

| Segment | Slope, points per rating point | 95% CI | R squared | TOST p | All engagements | Descriptive r | p |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Study set | 0.28 | −1.50 to 2.05 | 0.00 | 0.004 | 150 | 0.11 | 0.186 |
| Outsourcing model | | | | | | | |
| CXM | 1.03 | † n = 27 | 0.02 | 0.186 | 42 | 0.15 | 0.353 |
| ITO | 1.35 | † n = 25 | 0.03 | 0.277 | 40 | 0.09 | 0.573 |
| BPO | −0.30 | † n = 23 | 0.00 | 0.108 | 37 | 0.33 | 0.049 |
| KPO | −3.19 | † n = 19 | 0.10 | 0.524 | 31 | −0.16 | 0.378 |
| Institution type | | | | | | | |
| Asset management | 2.36 | † n = 11 | 0.06 | 0.442 | 24 | 0.29 | 0.174 |
| Wealth management and private banking | −0.50 | † n = 15 | 0.00 | 0.197 | 23 | 0.17 | 0.440 |
| Investment banking (advisory and capital-markets origination) | −2.37 | † n = 10 | 0.09 | 0.500 | 19 | −0.07 | 0.788 |
| Insurance (life, property and casualty, health) | ‡ n = 9 | | | | | | |
| Commercial and business banking | ‡ n = 9 | | | | | | |
| Payments and merchant acquiring (networks, acquiring, processing) | 0.66 | † n = 10 | 0.01 | 0.270 | 13 | −0.04 | 0.893 |
| Credit card and payments issuing | ‡ n = 7 | | | | | | |
| Retail and consumer banking | ‡ n = 8 | | | | | | |
| Markets and trading (sales and trading, global markets) | ‡ n = 8 | | | | | | |
| Private equity and private capital | ‡ n = 7 | | | | | | |
| Process family | | | | | | | |
| Corporate and back-office functions | 2.06 | † n = 28 | 0.06 | 0.379 | 47 | 0.15 | 0.309 |
| Technology engineering and operations | 0.19 | † n = 25 | 0.00 | 0.089 | 35 | 0.19 | 0.265 |
| Client servicing and communications | ‡ n = 7 | | | | | | |
| Trade, settlement and reconciliation | ‡ n = 7 | | | | | | |
| Payments, cards and disputes | 0.37 | † n = 10 | 0.00 | 0.251 | 12 | 0.49 | 0.105 |
| Credit, underwriting and suitability | ‡ n = 8 | | | | | | |
| Regulatory, audit, tax and legal | ‡ n = 5 | | | | | | |
| Financial crime and client onboarding | ‡ n = 4 | | | | | | |
| Class of work | | | | | | | |
| LOB Operational | −0.12 | −3.05 to 2.82 | 0.00 | 0.026 | 76 | 0.09 | 0.421 |
| Corporate Functional | 0.63 | −1.57 to 2.83 | 0.01 | 0.066 | 74 | 0.12 | 0.297 |
| Engagement status and lifecycle stage | | | | | | | |
| Active, Build-Out | −1.53 | −4.48 to 1.41 | 0.04 | 0.275 | 31 | −0.19 | 0.296 |
| Active, Transition/Cut-Over | 0.33 | −2.44 to 3.10 | 0.00 | 0.043 | 43 | 0.04 | 0.809 |
| Active, Production | 2.25 | † | 0.07 | 0.421 | 20 | 0.26 | 0.277 |
| Canceled | a | | | | | | |

Note: † Base under 30. No interval is reported. ‡ Base under 10. No statistic is reported. a Not tested: canceled engagements fall outside the active population.

Across the active engagements, the engagement mean of experience was not associated with customer satisfaction (r = 0.03, 95% CI −0.17 to 0.23, Holm p = 1.000, n = 94 engagements). The association held after Holm correction in none of the 16 segment levels tested.

## Association with the Engagement Indicator Mean

The engagement indicator mean is the mean of an engagement's ratings across the rated indicators, measured at engagement level (150 engagements). Experience is not a rated indicator and does not enter the mean.

Table 10a. Association with the engagement indicator mean by segment, part 1 of 2Table

| Segment | Engagements | Leave-one-out r | 95% CI | p | Holm p | Spearman rho | p |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Study set | 150 | 0.10 | −0.06 to 0.26 | 0.208 | 1.000 | 0.09 | 0.256 |
| Outsourcing model | | | | | | | |
| CXM | 42 | 0.10 | −0.21 to 0.39 | 0.529 | 1.000 | 0.08 | 0.598 |
| ITO | 40 | 0.21 | −0.10 to 0.49 | 0.184 | 1.000 | 0.22 | 0.183 |
| BPO | 37 | 0.30 | −0.02 to 0.57 | 0.068 | 1.000 | 0.31 | 0.061 |
| KPO | 31 | −0.22 | −0.54 to 0.14 | 0.224 | 1.000 | −0.23 | 0.224 |
| Institution type | | | | | | | |
| Asset management | 24 | 0.20 | † | 0.342 | 1.000 | 0.23 | 0.282 |
| Wealth management and private banking | 23 | 0.09 | † | 0.669 | 1.000 | 0.13 | 0.547 |
| Investment banking (advisory and capital-markets origination) | 19 | 0.11 | † | 0.655 | 1.000 | 0.10 | 0.669 |
| Insurance (life, property and casualty, health) | 14 | −0.58 | † | 0.030 | 0.758 | −0.45 | 0.104 |
| Commercial and business banking | 13 | 0.02 | † | 0.952 | 1.000 | −0.09 | 0.782 |
| Payments and merchant acquiring (networks, acquiring, processing) | 13 | 0.10 | † | 0.752 | 1.000 | 0.07 | 0.817 |
| Credit card and payments issuing | 12 | 0.11 | † | 0.723 | 1.000 | 0.08 | 0.795 |
| Retail and consumer banking | 12 | 0.25 | † | 0.433 | 1.000 | 0.25 | 0.430 |
| Markets and trading (sales and trading, global markets) | 11 | 0.05 | † | 0.875 | 1.000 | −0.21 | 0.544 |
| Private equity and private capital | 9 | ‡ | | | | | |
| Process family | | | | | | | |
| Corporate and back-office functions | 47 | 0.11 | −0.18 to 0.39 | 0.443 | 1.000 | 0.05 | 0.725 |
| Technology engineering and operations | 35 | 0.21 | −0.14 to 0.50 | 0.236 | 1.000 | 0.18 | 0.303 |
| Client servicing and communications | 16 | −0.21 | † | 0.440 | 1.000 | −0.35 | 0.179 |
| Trade, settlement and reconciliation | 15 | −0.27 | † | 0.324 | 1.000 | −0.41 | 0.133 |
| Payments, cards and disputes | 12 | 0.43 | † | 0.165 | 1.000 | 0.56 | 0.059 |
| Credit, underwriting and suitability | 9 | ‡ | | | | | |
| Regulatory, audit, tax and legal | 9 | ‡ | | | | | |
| Financial crime and client onboarding | 7 | ‡ | | | | | |
| Class of work | | | | | | | |
| LOB Operational | 76 | 0.11 | −0.12 to 0.32 | 0.365 | 1.000 | 0.08 | 0.512 |
| Corporate Functional | 74 | 0.10 | −0.13 to 0.32 | 0.397 | 1.000 | 0.09 | 0.449 |
| Engagement status and lifecycle stage | | | | | | | |
| Active, Build-Out | 31 | −0.20 | −0.51 to 0.17 | 0.292 | 1.000 | −0.17 | 0.362 |
| Active, Transition/Cut-Over | 43 | 0.01 | −0.29 to 0.31 | 0.928 | 1.000 | −0.07 | 0.636 |
| Active, Production | 20 | 0.20 | † | 0.391 | 1.000 | 0.18 | 0.456 |
| Canceled | 56 | 0.15 | −0.11 to 0.40 | 0.259 | 1.000 | 0.20 | 0.144 |

Note: † Base under 30. No interval is reported. ‡ Base under 10. No statistic is reported.Table 10b. Association with the engagement indicator mean by segment, part 2 of 2Table

| Segment | r with indicator included | Change in r | Slope | 95% CI | R squared | TOST p | Equivalent |
| --- | --- | --- | --- | --- | --- | --- | --- |
| Study set | Not a component | | 0.12 | −0.07 to 0.30 | 0.01 | 0.006 | Yes |
| Outsourcing model | | | | | | | |
| CXM | Not a component | | 0.11 | −0.24 to 0.47 | 0.01 | 0.096 | No |
| ITO | Not a component | | 0.21 | −0.10 to 0.51 | 0.05 | 0.289 | No |
| BPO | Not a component | | 0.36 | −0.03 to 0.74 | 0.09 | 0.508 | No |
| KPO | Not a component | | −0.29 | −0.78 to 0.19 | 0.05 | 0.334 | No |
| Institution type | | | | | | | |
| Asset management | Not a component | | 0.29 | † n = 24 | 0.04 | 0.317 | No |
| Wealth management and private banking | Not a component | | 0.13 | † n = 23 | 0.01 | 0.168 | No |
| Investment banking (advisory and capital-markets origination) | Not a component | | 0.07 | † n = 19 | 0.01 | 0.212 | No |
| Insurance (life, property and casualty, health) | Not a component | | −1.30 | † n = 14 | 0.33 | 0.877 | No |
| Commercial and business banking | Not a component | | 0.02 | † n = 13 | 0.00 | 0.179 | No |
| Payments and merchant acquiring (networks, acquiring, processing) | Not a component | | 0.11 | † n = 13 | 0.01 | 0.251 | No |
| Credit card and payments issuing | Not a component | | 0.11 | † n = 12 | 0.01 | 0.280 | No |
| Retail and consumer banking | Not a component | | 0.22 | † n = 12 | 0.06 | 0.436 | No |
| Markets and trading (sales and trading, global markets) | Not a component | | 0.07 | † n = 11 | 0.00 | 0.235 | No |
| Private equity and private capital | ‡ n = 9 | | | | | | |
| Process family | | | | | | | |
| Corporate and back-office functions | Not a component | | 0.14 | −0.22 to 0.49 | 0.01 | 0.099 | No |
| Technology engineering and operations | Not a component | | 0.23 | −0.16 to 0.61 | 0.04 | 0.284 | No |
| Client servicing and communications | Not a component | | −0.30 | † n = 16 | 0.04 | 0.361 | No |
| Trade, settlement and reconciliation | Not a component | | −0.29 | † n = 15 | 0.07 | 0.460 | No |
| Payments, cards and disputes | Not a component | | 0.31 | † n = 12 | 0.18 | 0.672 | No |
| Credit, underwriting and suitability | ‡ n = 9 | | | | | | |
| Regulatory, audit, tax and legal | ‡ n = 9 | | | | | | |
| Financial crime and client onboarding | ‡ n = 7 | | | | | | |
| Class of work | | | | | | | |
| LOB Operational | Not a component | | 0.12 | −0.14 to 0.38 | 0.01 | 0.041 | Yes |
| Corporate Functional | Not a component | | 0.11 | −0.15 to 0.38 | 0.01 | 0.039 | Yes |
| Engagement status and lifecycle stage | | | | | | | |
| Active, Build-Out | Not a component | | −0.17 | −0.49 to 0.15 | 0.04 | 0.278 | No |
| Active, Transition/Cut-Over | Not a component | | 0.01 | −0.25 to 0.28 | 0.00 | 0.031 | Yes |
| Active, Production | Not a component | | 0.21 | † n = 20 | 0.04 | 0.335 | No |
| Canceled | Not a component | | 0.08 | −0.06 to 0.22 | 0.02 | 0.130 | No |

Note: † Base under 30. No interval is reported. ‡ Base under 10. No statistic is reported.

The engagement mean of experience was not associated with the engagement indicator mean (r = 0.10, 95% CI −0.06 to 0.26, Holm p = 1.000, n = 150 engagements). The association held after Holm correction in none of the 24 segment levels tested. At respondent level, with standard errors clustered by engagement, more experienced respondents gave slightly higher ratings of their own (r = 0.16, cluster bootstrap 95% CI 0.10 to 0.21, p < 0.001, n = 797 respondents).

## Association with Intent to Leave

Intent to leave is the answer to C019, “How likely are you to leave your current job in the next 12 months?”, rated 1 to 10. It is measured at respondent level on up to 798 respondents, with the engagement-level form reported alongside.

Table 11a. Association with intent to leave by segment, part 1 of 2Table

| Segment | Respondents | r | 95% CI | Cluster bootstrap 95% CI | p | Holm p |
| --- | --- | --- | --- | --- | --- | --- |
| Study set | 746 | −0.09 | −0.16 to −0.02 | −0.15 to −0.04 | 0.011 | 0.423 |
| Outsourcing model | | | | | | |
| CXM | 194 | −0.11 | −0.25 to 0.03 | −0.21 to −0.01 | 0.132 | 1.000 |
| ITO | 217 | −0.04 | −0.17 to 0.10 | −0.14 to 0.05 | 0.574 | 1.000 |
| BPO | 188 | −0.18 | −0.31 to −0.04 | −0.27 to −0.07 | 0.014 | 0.531 |
| KPO | 147 | 0.00 | −0.16 to 0.16 | −0.15 to 0.13 | 0.970 | 1.000 |
| Institution type | | | | | | |
| Asset management | 116 | −0.07 | −0.25 to 0.11 | −0.23 to 0.08 | 0.436 | 1.000 |
| Wealth management and private banking | 124 | −0.08 | −0.25 to 0.10 | −0.18 to 0.05 | 0.398 | 1.000 |
| Investment banking (advisory and capital-markets origination) | 88 | −0.05 | −0.26 to 0.16 | −0.26 to 0.12 | 0.613 | 1.000 |
| Insurance (life, property and casualty, health) | 71 | −0.02 | −0.25 to 0.21 | −0.14 to 0.08 | 0.849 | 1.000 |
| Commercial and business banking | 72 | −0.10 | −0.32 to 0.14 | −0.30 to 0.09 | 0.404 | 1.000 |
| Payments and merchant acquiring (networks, acquiring, processing) | 63 | −0.12 | −0.36 to 0.13 | −0.32 to 0.08 | 0.356 | 1.000 |
| Credit card and payments issuing | 64 | −0.13 | −0.36 to 0.12 | −0.33 to 0.05 | 0.318 | 1.000 |
| Retail and consumer banking | 64 | −0.12 | −0.36 to 0.13 | −0.32 to 0.06 | 0.327 | 1.000 |
| Markets and trading (sales and trading, global markets) | 50 | −0.17 | −0.43 to 0.11 | −0.40 to 0.09 | 0.239 | 1.000 |
| Private equity and private capital | 34 | −0.14 | −0.45 to 0.21 | § n = 9 | 0.443 | 1.000 |
| Process family | | | | | | |
| Corporate and back-office functions | 215 | −0.09 | −0.23 to 0.04 | −0.19 to 0.00 | 0.169 | 1.000 |
| Technology engineering and operations | 178 | −0.05 | −0.19 to 0.10 | −0.15 to 0.05 | 0.534 | 1.000 |
| Client servicing and communications | 83 | 0.02 | −0.20 to 0.23 | −0.11 to 0.17 | 0.890 | 1.000 |
| Trade, settlement and reconciliation | 72 | 0.13 | −0.10 to 0.35 | −0.02 to 0.24 | 0.271 | 1.000 |
| Payments, cards and disputes | 63 | −0.29 | −0.50 to −0.05 | −0.42 to −0.13 | 0.021 | 0.742 |
| Credit, underwriting and suitability | 50 | 0.07 | −0.22 to 0.34 | § n = 9 | 0.648 | 1.000 |
| Regulatory, audit, tax and legal | 46 | −0.28 | −0.53 to 0.01 | § n = 9 | 0.058 | 1.000 |
| Financial crime and client onboarding | 39 | −0.19 | −0.48 to 0.14 | § n = 7 | 0.251 | 1.000 |
| Class of work | | | | | | |
| LOB Operational | 395 | −0.11 | −0.20 to −0.01 | −0.19 to −0.02 | 0.033 | 1.000 |
| Corporate Functional | 351 | −0.08 | −0.18 to 0.03 | −0.14 to −0.01 | 0.161 | 1.000 |
| Engagement status and lifecycle stage | | | | | | |
| Active, Build-Out | 154 | −0.12 | −0.27 to 0.04 | −0.23 to −0.02 | 0.143 | 1.000 |
| Active, Transition/Cut-Over | 219 | −0.14 | −0.27 to −0.01 | −0.25 to −0.03 | 0.039 | 1.000 |
| Active, Production | 87 | −0.07 | −0.28 to 0.14 | −0.24 to 0.13 | 0.516 | 1.000 |
| Canceled | 286 | −0.01 | −0.13 to 0.11 | −0.14 to 0.10 | 0.862 | 1.000 |
| Respondent role | | | | | | |
| Individual Contributor | 564 | −0.05 | −0.13 to 0.04 | −0.13 to 0.03 | 0.267 | 1.000 |
| Engagement Manager | 150 | 0.00 | −0.16 to 0.16 | −0.16 to 0.16 | 0.997 | 1.000 |
| Portfolio Director | 31 | −0.03 | −0.38 to 0.33 | −0.38 to 0.37 | 0.886 | 1.000 |
| Customer Management Executive | 1 | ‡ | | | | |
| Vendor type | | | | | | |
| IT services major | 286 | −0.06 | −0.18 to 0.05 | −0.14 to 0.02 | 0.298 | 1.000 |
| BPO specialist | 167 | −0.18 | −0.32 to −0.03 | −0.30 to −0.06 | 0.021 | 0.746 |
| Consulting firm | 102 | −0.05 | −0.24 to 0.14 | −0.25 to 0.13 | 0.608 | 1.000 |
| Boutique or specialist provider | 72 | −0.16 | −0.38 to 0.07 | −0.33 to 0.02 | 0.175 | 1.000 |
| Pure-play agentic AI firm | 68 | −0.07 | −0.31 to 0.17 | −0.19 to 0.09 | 0.548 | 1.000 |
| Not reported, recovered by engagement | 51 | 0.23 | −0.05 to 0.47 | −0.12 to 0.44 | 0.110 | 1.000 |

Note: § Too few engagements for a cluster bootstrap interval. ‡ Base under 10. No statistic is reported.Table 11b. Association with intent to leave by segment, part 2 of 2Table

| Segment | Spearman rho | p | Share at 7 or above, distressed | Share at 7 or above, other | Engagements | Engagement level r | 95% CI | TOST p |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Study set | −0.09 | 0.016 | Not applicable | Not applicable | 150 | −0.11 | −0.27 to 0.05 | 0.009 |
| Outsourcing model | | | | | | | | |
| CXM | −0.08 | 0.263 | Not applicable | Not applicable | 42 | −0.07 | −0.37 to 0.24 | 0.071 |
| ITO | −0.14 | 0.038 | Not applicable | Not applicable | 40 | −0.07 | −0.38 to 0.24 | 0.076 |
| BPO | −0.11 | 0.132 | Not applicable | Not applicable | 37 | −0.41 | −0.64 to −0.09 | 0.759 |
| KPO | 0.02 | 0.830 | Not applicable | Not applicable | 31 | 0.19 | −0.17 to 0.51 | 0.276 |
| Institution type | | | | | | | | |
| Asset management | −0.11 | 0.253 | Not applicable | Not applicable | 24 | −0.41 | † | 0.724 |
| Wealth management and private banking | −0.05 | 0.588 | Not applicable | Not applicable | 23 | −0.17 | † | 0.272 |
| Investment banking (advisory and capital-markets origination) | −0.09 | 0.425 | Not applicable | Not applicable | 19 | 0.13 | † | 0.239 |
| Insurance (life, property and casualty, health) | −0.05 | 0.697 | Not applicable | Not applicable | 14 | 0.46 | † | 0.737 |
| Commercial and business banking | −0.05 | 0.665 | Not applicable | Not applicable | 13 | 0.18 | † | 0.349 |
| Payments and merchant acquiring (networks, acquiring, processing) | −0.20 | 0.114 | Not applicable | Not applicable | 13 | −0.28 | † | 0.468 |
| Credit card and payments issuing | −0.05 | 0.667 | Not applicable | Not applicable | 12 | −0.06 | † | 0.230 |
| Retail and consumer banking | −0.15 | 0.232 | Not applicable | Not applicable | 12 | −0.19 | † | 0.365 |
| Markets and trading (sales and trading, global markets) | −0.08 | 0.600 | Not applicable | Not applicable | 11 | −0.22 | † | 0.403 |
| Private equity and private capital | −0.16 | 0.380 | Not applicable | Not applicable | 9 | ‡ | ‡ | |
| Process family | | | | | | | | |
| Corporate and back-office functions | −0.07 | 0.291 | Not applicable | Not applicable | 47 | −0.10 | −0.37 to 0.20 | 0.079 |
| Technology engineering and operations | −0.13 | 0.079 | Not applicable | Not applicable | 35 | −0.07 | −0.40 to 0.27 | 0.090 |
| Client servicing and communications | 0.06 | 0.570 | Not applicable | Not applicable | 16 | 0.15 | † | 0.289 |
| Trade, settlement and reconciliation | 0.12 | 0.332 | Not applicable | Not applicable | 15 | 0.34 | † | 0.564 |
| Payments, cards and disputes | −0.32 | 0.011 | Not applicable | Not applicable | 12 | −0.48 | † | 0.736 |
| Credit, underwriting and suitability | 0.03 | 0.826 | Not applicable | Not applicable | 9 | ‡ | ‡ | |
| Regulatory, audit, tax and legal | −0.28 | 0.064 | Not applicable | Not applicable | 9 | ‡ | ‡ | |
| Financial crime and client onboarding | −0.10 | 0.536 | Not applicable | Not applicable | 7 | ‡ | ‡ | |
| Class of work | | | | | | | | |
| LOB Operational | −0.07 | 0.143 | Not applicable | Not applicable | 76 | −0.15 | −0.36 to 0.08 | 0.084 |
| Corporate Functional | −0.10 | 0.065 | Not applicable | Not applicable | 74 | −0.08 | −0.30 to 0.16 | 0.024 |
| Engagement status and lifecycle stage | | | | | | | | |
| Active, Build-Out | −0.13 | 0.101 | Not applicable | Not applicable | 31 | 0.16 | −0.21 to 0.49 | 0.218 |
| Active, Transition/Cut-Over | −0.11 | 0.091 | Not applicable | Not applicable | 43 | −0.13 | −0.41 to 0.18 | 0.128 |
| Active, Production | −0.13 | 0.241 | Not applicable | Not applicable | 20 | −0.08 | † | 0.169 |
| Canceled | 0.00 | 0.984 | Not applicable | Not applicable | 56 | 0.18 | −0.09 to 0.42 | 0.171 |
| Respondent role | | | | | | | | |
| Individual Contributor | −0.05 | 0.260 | Not applicable | Not applicable | 150 | −0.05 | −0.21 to 0.11 | < 0.001 |
| Engagement Manager | 0.00 | 0.984 | Not applicable | Not applicable | 150 | 0.00 | −0.16 to 0.16 | < 0.001 |
| Portfolio Director | −0.06 | 0.755 | Not applicable | Not applicable | 31 | −0.03 | −0.38 to 0.33 | 0.067 |
| Customer Management Executive | ‡ n = 1 | | | | | | | |
| Vendor type | | | | | | | | |
| IT services major | −0.09 | 0.121 | Not applicable | Not applicable | 59 | −0.08 | −0.33 to 0.18 | 0.041 |
| BPO specialist | −0.12 | 0.132 | Not applicable | Not applicable | 37 | −0.23 | −0.51 to 0.11 | 0.321 |
| Consulting firm | −0.05 | 0.639 | Not applicable | Not applicable | 23 | 0.11 | † | 0.193 |
| Boutique or specialist provider | −0.19 | 0.116 | Not applicable | Not applicable | 17 | −0.25 | † | 0.427 |
| Pure-play agentic AI firm | −0.06 | 0.613 | Not applicable | Not applicable | 14 | −0.15 | † | 0.297 |
| Not reported, recovered by engagement | 0.17 | 0.239 | Not applicable | Not applicable | 43 | 0.26 | −0.04 to 0.52 | 0.392 |

Note: † Base under 30. No interval is reported. ‡ Base under 10. No statistic is reported.

More experienced respondents reported lower intent to leave (r = −0.09, cluster bootstrap 95% CI −0.15 to −0.04, p = 0.001 with standard errors clustered by engagement, n = 746 respondents). The engagement-level form did not reach 0.05 (r = −0.11, 95% CI −0.27 to 0.05, n = 150 engagements). In the segment table, where the study-set row is corrected together with the segment levels, the study-set row gave Holm p = 0.423, and the association held in none of the 37 segment levels.

## Comparison of Associations Across the Four Measures

Table 12. Associations across the four measuresTable

| Measure | Form | Unit | n | r | 95% CI | p | Equivalent to zero | Rank among the four |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cancellation rate | Descriptive contrast | Engagement | 150 | −0.11 | −0.26 to 0.05 | 0.191 | Yes | 1 |
| Customer satisfaction | Clean estimate | Engagement | 94 | 0.03 | −0.17 to 0.23 | 0.757 | Yes | 4 |
| Engagement indicator mean | Full | Engagement | 150 | 0.10 | −0.06 to 0.26 | 0.208 | Yes | 2 |
| Intent to leave | Respondent level, clustered | Respondent | 746 | −0.09 | −0.15 to −0.04 | 0.001 | Yes | 3 |

Table 13. Pairwise comparison of associationsTable

| Pair compared | Difference in r | Steiger z | p | Holm p | Reading |
| --- | --- | --- | --- | --- | --- |
| Cancellation rate and customer satisfaction | 0.00 | −0.05 | 0.962 | 1.000 | Did not differ |
| Cancellation rate and engagement indicator mean | 0.00 | 0.06 | 0.948 | 1.000 | Did not differ |
| Cancellation rate and intent to leave | 0.00 | 0.09 | 0.925 | 1.000 | Did not differ |
| Customer satisfaction and engagement indicator mean | 0.01 | 0.12 | 0.905 | 1.000 | Did not differ |
| Customer satisfaction and intent to leave | 0.01 | 0.17 | 0.867 | 1.000 | Did not differ |
| Engagement indicator mean and intent to leave | 0.00 | 0.02 | 0.985 | 1.000 | Did not differ |

The four associations were compared in pairs on their engagement-level forms, each oriented so that a higher value is the better outcome, across the 150 engagements with all four measures. After Holm correction, none of the six pairs differed. Every association was weak.

## Clustering and Effective Sample Size

Table 14. Clustering and effective sample sizeTable

| Statistic | Value | Reading |
| --- | --- | --- |
| Clusters (engagements) | 150 | Engagements with one or more answers. |
| Mean respondents per engagement | 5.3 | Answers per engagement, among engagements with one or more answers. |
| ICC(1) | −0.12 | Share of the variance that lies between engagements. |
| Design effect | 1.00 | One plus the product of the ICC and the mean cluster size less one. |
| Nominal respondent n | 797 | Respondents who answered. |
| Effective n | 797 | Nominal n divided by the design effect. |
| Cluster bootstrap applied | No | Applied to every respondent-level interval where the ICC is 0.05 or above. |

Experience did not cluster within engagements (ICC −0.12): respondents on the same engagement typed different values, as a team of individual contributors and one engagement manager would. The design effect was 1.00, and the effective n equaled the 797 answers. Respondent-level tests still used standard errors clustered by engagement.

## Equivalence Tests of Null Results

Table 15. Equivalence tests of null resultsTable

| Measure | n | r | Equivalence bound | TOST p, lower | TOST p, upper | Equivalent to zero | Achieved power | MDE at power 0.80 | Detection floor for this n |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cancellation rate | 150 | −0.11 | \|r\| < 0.30 | 0.007 | < 0.001 | Yes | 0.96 | 0.23 | 0.23 |
| Customer satisfaction | 94 | 0.03 | \|r\| < 0.30 | < 0.001 | 0.004 | Yes | 0.84 | 0.29 | 0.23 |
| Engagement indicator mean | 150 | 0.10 | \|r\| < 0.30 | < 0.001 | 0.006 | Yes | 0.96 | 0.23 | 0.23 |
| Intent to leave | 746, effective 746 | −0.09 | \|r\| < 0.30 | < 0.001 | < 0.001 | Yes | 1.00 | 0.10 | 0.23 |

All four associations were equivalent to zero. Intent to leave was both different from zero and equivalent to zero: the association is detectable in 746 respondents and smaller than the bound of a meaningful effect. The detection floor shown is the study floor at 150 engagements.

## Robustness Checks

Table 16. Robustness checksTable

| Check | Measure | Primary r | Check r | 95% CI | Change | Conclusion holds |
| --- | --- | --- | --- | --- | --- | --- |
| Rank correlation in place of Pearson | Cancellation rate | −0.11 | −0.09 | a | 0.01 | Yes |
| Rank correlation in place of Pearson | Customer satisfaction | 0.03 | 0.02 | a | −0.02 | Yes |
| Rank correlation in place of Pearson | Engagement indicator mean | 0.10 | 0.09 | a | −0.01 | Yes |
| Rank correlation in place of Pearson | Intent to leave | −0.09 | −0.09 | a | 0.00 | Yes |
| Non-answers excluded, then imputed at the engagement mean | Intent to leave | −0.09 | −0.09 | a | 0.00 | Yes |
| Active engagements only | Engagement indicator mean | 0.10 | 0.01 | −0.20 to 0.21 | −0.10 | Yes |
| Active engagements only | Intent to leave | −0.09 | −0.12 | −0.21 to −0.03 | −0.02 | Yes |
| Most influential engagement removed (largest Cook's distance) | Cancellation rate | −0.11 | −0.14 | −0.29 to 0.03 | −0.03 | Yes |
| Most influential engagement removed (largest Cook's distance) | Customer satisfaction | 0.03 | 0.00 | −0.21 to 0.20 | −0.03 | Yes |
| Most influential engagement removed (largest Cook's distance) | Engagement indicator mean | 0.10 | 0.07 | −0.09 to 0.23 | −0.03 | Yes |
| Most influential engagement removed (largest Cook's distance) | Intent to leave | −0.09 | −0.10 | −0.17 to −0.03 | −0.01 | Yes |
| Engagements weighted by respondent count | Cancellation rate | −0.11 | −0.13 | a | −0.02 | Yes |
| Engagements weighted by respondent count | Customer satisfaction | 0.03 | 0.00 | a | −0.03 | Yes |
| Engagements weighted by respondent count | Engagement indicator mean | 0.10 | 0.11 | a | 0.00 | Yes |
| Bootstrap of engagements | Cancellation rate | −0.11 | −0.11 | −0.26 to 0.05 | 0.00 | Yes |
| Bootstrap of engagements | Customer satisfaction | 0.03 | 0.03 | −0.15 to 0.22 | 0.00 | Yes |
| Bootstrap of engagements | Engagement indicator mean | 0.10 | 0.10 | −0.05 to 0.25 | 0.00 | Yes |
| Bootstrap of engagements | Intent to leave | −0.09 | −0.09 | −0.15 to −0.04 | 0.00 | Yes |
| Thin-base segments removed | Cancellation rate | −0.11 | −0.15 | −0.35 to 0.07 | −0.04 | Yes |
| Thin-base segments removed | Customer satisfaction | 0.03 | 0.16 | −0.12 to 0.41 | 0.12 | Yes |
| Thin-base segments removed | Engagement indicator mean | 0.10 | 0.15 | −0.07 to 0.36 | 0.05 | Yes |
| Thin-base segments removed | Intent to leave | −0.09 | −0.07 | −0.17 to 0.02 | 0.02 | Yes |

Note: a No interval for this check.

Each change was computed before rounding and may differ by 0.01 from the difference between the two printed values.

All 22 checks held. A check holds when its test falls on the same side of 0.05 as the primary test.

## Measure Independence and Part-Whole Correction

Each of the four measures was computed from data the indicator does not contain. Each result is therefore a finding and not an arithmetic consequence.

## Comparison with the Study Norm

Table 17. Comparison with the study normTable

| Measure | The indicator, oriented r | Study median, oriented r | Deviation | Fisher z | p | Holm p |
| --- | --- | --- | --- | --- | --- | --- |
| Cancellation rate | 0.11 | 0.60 | −0.49 | −7.06 | < 0.001 | < 0.001 |
| Customer satisfaction | 0.11 | 0.72 | −0.61 | −9.67 | < 0.001 | < 0.001 |
| Engagement indicator mean | 0.10 | 0.84 | −0.73 | −13.40 | < 0.001 | < 0.001 |
| Intent to leave | 0.10 | 0.71 | −0.61 | −9.55 | < 0.001 | < 0.001 |
| Spread of deviations | | | 0.24 | | | |
| Verdict | Divergent | | | | | |

Each deviation was computed before rounding and may differ by 0.01 from the difference between the two printed values.

The comparison covered 150 engagements. The indicator departed from the study's typical pattern on all four measures. The typical indicator is a rating with a strong association with each measure, with study medians from 0.60 to 0.84. Experience is not a rating, and its associations were weak.

## Co-Occurring Indicators and Themes

The indicators most often present in the same responses were “Rate your overall agentic AI expertise” (C014, 2 responses) and “My manager is effective” (C080, 2 responses). Every other indicator, and each of the six themes, appeared in one response.

Figure 3. Other indicators and themes in the same written responses (n = 4 responses)ExhibitNote: Labels give counts. The figure shows each indicator and theme among the five most frequent, with every tie at the cut. C014: “Rate your overall agentic AI expertise.” C080: “My manager is effective.” C018: “How happy are you with your current job?” C021: “How likely are members of your current team to leave their jobs in the next 12 months?” C082: “My manager knows agentic AI well.” C131: “Rate the depth of your employer's knowledge of agentic AI.” C136: “Rate how effectively the customer and vendor jointly manage this engagement now that agents perform part of the work.” C157: “Rate the factual reliability of the AI tools' outputs on this engagement before any human review.” C158: “Rate the accuracy of citations, references, and quotations the tools produced against the real sources.” C172: “Rate how accurately the tools' own reports of success or failure matched the actual outcomes of their work.” C211: “I have altered AI outputs” C212: “I discussed the AI output alteration with internal management” C213: “I or my management discussed AI output alteration with the client” C215: “My greater team regularly alters AI outputs.”

## Interpretation of the Data

The engagement mean of experience was not associated with cancellation, customer satisfaction or the engagement indicator mean, and each result was equivalent to zero. At respondent level, more experienced respondents reported slightly lower intent to leave and rated the engagement slightly higher. Both associations are small, and experience tracks role closely. Role was itself associated with intent to leave and with the respondents' own ratings (C005), so these associations cannot be separated from role here.

Written responses were voluntary. They recorded what the respondents who wrote reported, and how common it was is measured by the answers. The written evidence rests on four responses, a base of anecdote strength.

## Limitations

The evidence is the reported experience of the vendor's delivery teams, collected in a single cross-section. The associations reported here are not causal. Canceled engagements were described after cancellation.

Experience is the respondents' typed report and not a record of employment. An answer of zero is counted as under one year.

Experience and role are closely aligned (omega squared 0.832). The analysis does not adjust for role, so the respondent-level associations with intent to leave and with the respondents' own ratings may reflect role rather than experience.

Counts of written responses describe the respondents who wrote and not the study set of respondents. With four responses, the written evidence supports counts only and no statistic.

## Definitions

Table 18. DefinitionsTable

| Term | Definition |
| --- | --- |
| Response scale | A number of years, as typed by the respondent. An answer of zero is counted as under one year. |
| Answering base | Respondents who typed a number. |
| Non-answers | “I do not know” and “I prefer to not answer” are counted separately. They are excluded from the answering base and from the mean. |
| Indicator class | Respondent level: a property of the respondent rather than of the engagement. |
| Failure category | The five failure categories of the Study Taxonomy apply only to the rated indicators. The indicator carries none. |
| Engagement mean of experience | The mean of the answers of an engagement's respondents, used in every engagement-level test. |
| Engagement indicator mean | The mean of an engagement's ratings across the rated indicators. The indicator does not enter it. |
| Written response | A written answer about the respondent's own engagement that addresses the indicator. Non-answers and answers about another engagement are excluded. |
| Primary and secondary | A primary response answered the written-answer question of the indicator's survey section. A secondary response answered a question in another section and addressed the indicator in its content. |
| Written sentiment score | Each written response carries one of five scores: −10, −5, neutral, +5 or +10. The sign records whether the response described an effect on the engagement or on the respondent as harmful or helpful, and the magnitude its strength. |
| Cluster bootstrap | An interval computed by resampling engagements rather than respondents, so that the answers from one engagement stay together. |
| Clustered test | A test whose standard error allows for the answers of respondents on the same engagement to be alike. |
| Anecdote strength | A base of fewer than 10 written responses. It supports counts and description only. |

## Sources and Provenance

Table 19. Sources and provenanceTable

| Source | Value |
| --- | --- |
| Study data | Study Data.xlsx, Data sheet, column C007, sha256 219eba0457274d04 |
| Statistics engine | compute_statistics.py, sha256 738319eef764602b |
| Statistics record | Computed Statistics.json, record C007, sha256 1ae50a3637fc9370 |
| Computed | October 13, 2026, 04:57 UTC |
| Template | Indicator Template v2, version 2.0 of 10 October 2026 |
| Figures placed by script | 2,467 |
| Written responses | Quotes Master.jsonl, sha256 27da38085e2b13fd |
| Written sentiment scores | Quote Coding Rulebook, version 0.6, with section 21 |
| Written-response computation | qa_stats.py, sha256 74a61f3a96169da9. wfacts.py, sha256 b85fae20adf812a1. build_indicator.py, sha256 a97ad6e74627e11e |
| Written-response records | C007.qa.json, sha256 6e313ce1ca22430a. C007.wfacts.json, sha256 4cf4d692db9ed2c5. Hand-written text handcraft/C007.json, sha256 c986af4ab56c667d |


## Links to related study evidence

- [Part 4](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/part-4-delivery-workforce/)
- [Customer satisfaction](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-1-measure-customer-satisfaction/)
- [Engagement indicator mean](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-1-measure-engagement-indicator-mean/)
- [Intent to leave](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-4-c019/)
- [part 1](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/part-1-engagement-outcomes/)
- [part 2](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/part-2-five-failure-categories/)
- [C019](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-4-c019/)
- [C014](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-4-c014/)
- [C080](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-4-c080/)
- [C018](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-4-c018/)
- [C021](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-4-c021/)
- [C082](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-4-c082/)
- [C131](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-2-c131/)
- [C136](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-2-c136/)
- [C157](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-2-c157/)
- [C158](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-2-c158/)
- [C172](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-2-c172/)
- [C211](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-5-c211/)
- [C212](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-5-c212/)
- [C213](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-5-c213/)
- [C215](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-5-c215/)
- [C005](https://akholi.com/outsourcing-2026-agentic-ai-tier-1-banks/study-data/part-4-c005/)