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":"bb24b5c5db6af2822c7e60b48f834b8e","s":"6c4613fcf8add314"}
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