Near the height of the Internet craze in 1999, Kundapur Vaman Kamath, head of India's second-biggest lender, ICICI Bank, attended a McKinsey & Co. technology workshop for financial executives in New York City. The consultants' message, he says, was simple: Any company with a brand name, technological prowess and top-notch execution skills could become a serious banking competitor. Think Microsoft Corp., they said.
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