Financial sector and banks must adapt to survive disruption
Posted Bya Luxury Daily columnistOn In Columns,Featured,Opinion | No 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","iv":"33d3126dedeb8e3c76f8cf698ffe4f36","s":"446a18c973f3ef48"}
