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  "documentTitle": "Global Retail Banking 2022",
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      "text": "As they consider a redirected future, retail banks should ask themselves a couple of existential questions: What will our customers be looking for beyond straightforward financial products and services in the next few years?",
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      "text": "Many banks may need to build new enablers, including green products and tools, carbon footprint calculators, budget and life planning tools, data and AI tools and policies, and fair pricing structures. Where they do not have internal capabilities, or these are too time-consuming or expensive to build, they may also need to pursue relevant partnerships.",
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      "text": "Incumbents are not without their own advantages, starting with financial, human, and technological assets, scale, and large customer bases. Re-examining these advantages through a clear statement of purpose can lead to new strategies, products, services, and revenue streams that also support a defined mission—such as promoting financial inclusion or advancing customers' sustainability efforts.",
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      "text": "Environmental and social challenges transcend generations and set societies and their institutions, such as government and business, on new paths. As they consider a redirected future, retail banks should ask themselves a couple of existential questions: What will our customers be looking for beyond straightforward financial products and services in the next few years. And how can we align our business goals with meeting those needs before our competitors (new as well as old) do so first?",
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