Would you like an old guard credit hand to take a look at a loan application? There will soon be less of this at Bank of Queensland.Auto decisioning and credit approval, already standard at BOQ's retail arm, will be put to use to replace one human touch point left lingering at BOQ Specialist.This robo-decision making is only one of the steps touched on by BOQ's chief executive Jon Sutton and team in a rare strategy briefing from the bank.The target profit pool BOQ put at A$18 billion, while the bank has its eyes on a $3.8 billion profit pool from "target niche segments".It's a vibrant list: healthcare and aged, hospitality, professional services, agribusiness (the fastest growing) and franchising."Asset-intensive" ends the list, meaning BOQ will be in a machinery hunt, a scene in which has claims to having a go at disruption.The bank "will have a laser like focus in the markets it chooses to play in," Sutton finished."We have a pragmatic strategy."