Sticking to a specialist approach catering to promising banking markets will best position Bank of Queensland to "deliver higher growth, customer satisfaction and returns," the bank said in a briefing yesterday.Trust ranked first on a five point list presented early in the BOQ strategy day briefing in Sydney.Culture, "reputation risks and diseconomies of scale and scope" for major banks, and the ubiquitous "digital is the new industrial revolution" rounded out a statement of ethos.CEO John Sutton declared early on that, in his view, this was "one of the most interesting times to be running a bank." "Disruption will continue," he said. "We have to be adaptive … you can't ignore what's happening in the disruptive settings."BOQ Specialist, with a stellar list US IT clients, enjoys a market share of 20 per cent in merchant finance and "continues to shows good growth," Sutton said."if we can get these businesses talking to each other we can really unlock the potential for cross-sell," he said.