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Managers are often confronted with the challenge of leading an increasingly heterogeneous team that is diverse along the lines of age, gender, sexual orientation, physical ability and ethnicity. Research suggests that Diversity can lead to lesser commitment and more conflicts in teams, and reduce organizational commitment. Yet, there is evidence that increased diversity bolsters learning potential of teams and hence helps in unleashing creativity and innovation.

Bankers have to deal with numbers whether while accepting cash or making payment of cheques or analysing the credit proposals or carrying out any other activities. In many areas the software installed by the BFIs helps the staffs to get their job quickly and accurately.

However, the BFIs cannot install software for every arithmetic calculation or any other activities, which have to be carried out by the staffs as it would not be doable practically and feasible economically.