The wireless is the fastest return, and the easiest place, quite frankly, where we can increase operational efficiency immediately and save significant money almost within months. The volume of voice and data taking place through mobile devices is just skyrocketing.

You can't start the process until you have complete visibility and control of everything you're doing today.

It's very difficult to track. They don't have one place for all their telecom inventory, so there are lots of Post-it notes and manual processes, and it's virtually impossible for them to audit the bills because they barely keep up with them, much less make sure they're accurate.

CFOs understand it's a large expense, and they say it's a top-five expense for [them]. But most banks will readily admit and acknowledge that telecom expense is complex, it's dynamic, and it's changing all the time. And they don't have their arms around it.