WHICH PROCESSES ARE MIGRATING OFFSHORE?

• Back-office tasks, like basic data entry, transaction processing, and document management
   
  
• Customer contact, such as customer relations (call centers and on-line customer service), telemarketing, and collections
   
  
• Shared corporate services, like finance/accounting, and HR
   
  
• Knowledge services and decision analysis, such as research services, customer analysis, portfolio analysis, and credit underwriting
   
  
• Research and development, such as basic research, engineering and design (design specs, pilot/prototypes, testing, production design and optimization), and software product/application development
   
  
• IT, including custom application development and maintenance, IT help desk, and infrastructure management
   
  
• Industry-specific processes, such as rules-based underwriting in insurance, mortgage processes for banking, and billing processes for telecoms