This part of the report shows that the partnership with SBS was based on a business strategy and that the performance of SBS in the first six months of using the current systems has been encouraging. Nevertheless, National Savings and SBS will only gain significant benefits if new working practices and up to date IT systems are successfully introduced across the operational service. Although the development and implementation of these new systems is a high risk project, both partners consider they are taking a low risk approach which will result in better customer service at lower cost.