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  "documentTitle": "Global Banking Consumer Study Reignite human connections to discover hidden value",
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      "text": "Banks’ siloed approach to product development has also contributed to a sense amongst customers that their financial services are highly fragmented. An analysis by Accenture Research of leading banks across nine markets15 shows that less than 15% of them provide comprehensive rewards for customers who increase the number of products and services they use or the transactions they conduct with the bank. Over 60% of the analyzed banks offer limited rewards, which may be linked solely to credit card transactions or only two product categories (such as waiving the credit card fee for customers who take out a mortgage loan).",
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      "text": "The emergence of fintechs during the past decade has resulted in customers holding a greater variety of financial services with multiple different providers. For example, they might use one provider for buy now, pay later (BNPL) transactions, another to make regular purchases, and yet another to trade crypto currencies.",
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