Financial services
May 20, 2020
Net income as percent of revenue of banks versus nonbank brands. Image courtesy of Forrester Research
By Dianna Dilworth
While banks have a history and a heritage of trust among affluent consumers, new companies are threatening their relevance and livelihood as they disrupt the institution.
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","iv":"6a9183a272671319aabfe825ca6cfbf2","s":"e4cdfa93833eaf2f"}
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