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  "documentTitle": "Global Retail Banking 2022",
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      "text": "Sustainability has long been part of good business—but in today's marketplace, engaging with customers and other stakeholders on ESG issues is a matter of rising urgency.",
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      "text": "Sustainability has long been part of good business—but in today's marketplace, engaging with customers and other stakeholders on ESG issues is a matter of rising urgency. This is one reason, as we shall see, that leading retail banks make ESG one of the primary focus areas for their digital transformation programs. Another third of all retail banks cite ESG as a key criterion in selecting and prioritizing digital transformation initiatives.\n\nThis report examines the fast-rising importance of sustainability for retail banks today, starting with what consumers are looking for in banking relationships and what leaders are already doing. We then set out an agenda that all retail banks can follow to raise their ESG games—and enhance their competitive positions at the same time.",
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      "text": "For most banks, environmental issues are only one leg of the stool. Social and governance initiatives are receiving as much or more attention. In emerging markets, for example, many banks are focused on social issues such as poverty and financial inclusion for those with limited or no access to financial services. Consumers and regulators in many Western markets are looking for demonstrable progress on diversity, equity, and inclusion (DEI) in areas such as hiring and lending. Privacy and data-security worries put social and governance issues high on board-level agendas. Regulators continue to underscore the importance of vigilant compliance, anti-money laundering, and know your customer policies and procedures.",
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      "text": "GLOBAL RETAIL BANKING 2022: SENSE AND SUSTAINABILITY",
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