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Few sectors of the global economy have experienced the dynamic and
structural change that has occurred over the past several decades
in banking and financial services or as much turbulence and damage
to the economy and to ordinary people. Regulatory and technological
changes have been among the main catalysts of change in the
financial industry worldwide, making entrenched competitive
structures obsolete and mandating the development of new products,
new processes, new strategies, and new public policies toward the
industry.
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