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":"bbfa6b52337fb5cfc3c674fbf3bcabd2","s":"8550614d93533ed7"}
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