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":"a8976e2cca6421ea996caf563e39b392","s":"efdc4e27505ff604"}
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