Change is framed as technology uplift, not P&L rebalancing across branch, broker, advisor, partner, and digital direct.
Furthermore, is influence by consulting approach to channels economics that sits in a CFO position where it makes sense to serve the customer is the most economic way, they you may regret when all the other customer flee to competition.
You need to be rigorous with data and P&L but with a opportunistic mindset, i.e. seek growth and convenience even if they take more time to deliver.