Introduction It is noted that a business model of an organization is the most critical piece of intellectual Property that drives business activities. It shows how organizations generate revenues (Kendall 9). This case focuses on some aspects of the business model of Bank of America. The Basis of Bank of America Organizational Structure Bank of America is among the top ten largest banks by assets in the US. It is headquartered in Charlotte, North Carolina and has more than 5,000 retail-banking offices and more than 17,000 ATMs all over the US (Hess 1). The success of Bank of America can be associated with its leveraging aspects, including the organizational structure. The organizational structure leverages Bank of America in the following ways. First, specific sectors are assigned specific duties. With a clear sense of duties, employees optimize individual output and consequently improve organizational productivity. Second, the divisional hierarchy enhances proper communication and, therefore, improving efficacy in services delivery and feedback system. Third, with such an elaborate organizational structure, Bank of America is able to monitor the whole system’s operations and, thus, it ensures proper use of economic resources. A Diagram representation of Bank of America organizational structure At the helm of the bank leadership is Chief executive officer. Generally, the bank CEO supervises and manages all chief corporate functions. Other employees are assigned specific duties depending on their qualification, expertise, and job descriptions. Although the Bank of America has one of the best organizational structures, it has not realized its full potential. Partly, the hierarchical nature of the organizational structure creates bureaucracy and consequently hinders effective and timely communication. For decisions to be made and implemented, relevant approval must be sought and in the process, time is wasted and the probability of misinformation and information alteration increases. A case in point, bureaucracy and incorrect information led to the bank classifying a living customer as deceased for three years (Goyette 1). As such, the organizational structure impedes full realization of service delivery potential and affecting the business model negatively. Organizational Throughputs Bank of America has categorized its throughputs into five categories, which are the core products, processes, and services offered. Banking solutions consist of checking, savings, CDs, student banking, online banking, and mobile banking. The bank’s credit cards products and services include regular credit cards, cash reward cards, travel and air reward cards and cards to build or rebuild credit. In addition, Bank of America provides credit cards for small businesses and even offers customized credit card facilities. Loan products are tailored around mortgage, refinance, auto loan, and business loans. Investing and trading products and services offered through Merrill Edge are diverse, including stocks, options, ETFs, mutual funds, fixed income, and bonds, managed portfolios and annuities. Bank of America has developed unique tools such as online, mobile, and Merrill Edge Market Pro to assist investors. Learning also comes as a pa