Twelve financial institutions (nine banks and three insurance companies) from five countries (France, West Germany, Japan, Sweden, and the United States) were studied to determine the directions in which financial service markets and firms are moving as a result of increasing competition and technological change. Data were collected from…

This paper summarizes a comparative study of the impact of market and technological changes on human resources in banks and insurance companies in five countries: France, Germany, Japan, Sweden, and the United States. The research was organized around case studies of changes in 12 firms--9 banks and 3 insurance carriers. The paper discusses the…