Take Citicorp, for example. Although it has a good image, offers comprehensive financial services, and is creative with its management methods, it has been frustrated to find that its business has remained limited to foreign firms and members of the economic elite. It has continued to be unsuccessful in entering the mass market.
以花旗銀行為例，雖然形象好、服務周到，經營手法靈活而富創意，無奈服務的對象始終侷限於在台外籍人士，以及少數「金字塔頂端」的本土客戶，獲利儘管亮眼，卻始終打不進大眾市場。