Financial sector and banks must adapt to survive disruption
Posted Bya Luxury Daily columnistOn In Columns,Featured,Opinion | No 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","iv":"b00ad1ec1785881d0bc8ca3ff6be5311","s":"87cd11a580e7e6da"}
