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  "documentTitle": "Global Banking Consumer Study Reignite human connections to discover hidden value",
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  "notes": "The slide uses a callout box to emphasize a key statistic about consumer preference for bank-partnered embedded finance.",
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      "text": "Regardless of age, consumers are approximately 2.5 times more likely to purchase banking products embedded in non-bank channels if the product is managed in partnership with a bank.",
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      "text": "likelihood to purchase embedded banking products in partnership with a bank: 2.5x",
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      "text": "This is driven in part by the move into banking by non-traditional players such as Amazon, Rakuten and Rappi. For example, Amazon UK and Barclays have partnered to offer a BNPL option for payments above £100. Launched in 2021, the solution allows customers to spread payments across three to 48 months.",
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      "text": "Today, banks already generate a substantial proportion of their revenues from non-banking channels. Accenture research20 shows that at least 30% of banking industry revenues relating to traditional products such as payments, personal loans and credit cards are sourced through non-banking third parties, a figure which is expected to increase further.",
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      "text": "Some banks think their role in this area could be limited to providing the back-end financial ‘plumbing’, but this is unlikely. Banks also have an opportunity to provide more value to the customer despite not originating the sale. They could do this by building a more comprehensive picture of the customer’s goals and aspirations, enabling them to offer more personalized advice and solutions.",
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      "text": "The good news for banks is that a large proportion of consumers are willing to purchase traditional banking products such as loans (43%) or bank accounts (31%) from non financial services providers, but around three quarters of this group would do so only if the products were managed in collaboration with a bank (Figure 4).",
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