Personal financial services : a question of channels

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      <subfield code="a">Personal financial services are in the midst of a transition. Once, competition was largely defined by regulation and geography; now, the industry is starting to be organized around consumer needs and around the underlying economics of products and their delivery. Channels have always been important in PFS. Indeed, distribution channels account for over half the cost structure of most traditional players. But in the current environment, channels have become the premier battleground for </subfield>
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