A bank’s branch office serves customers during core banking outages or when there is no connectivity to headquarter (HQ). The issues of system down-times and availability present several challenges to a bank, some of which include:

• Damaged corporate and brand image
• Loss of customers/partner goodwill
• Lost transaction revenue and business opportunities
• Possible legal penalties for not delivering on SLAs.
• Incurring of extra remedial marketing costs
• Driving business to competitors
• Increased operational and capital costs associated with integration and support