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  "documentTitle": "The Reinvention of Retail Banking: How focused business models can unlock value",
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      "text": "Vehicle financing: Demand and revenues may decline as the shift to subscription models gathers pace.",
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      "text": "Current Accounts: This key source of low-cost funding is likely to decline as consumers shift to e-money wallets.",
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      "text": "Mortgages: Competition is expected to continue to place pressure on mortgage margins.",
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      "text": "Traditional sources of banking revenue are shrinking in the wake of both short-term and long-term trends. The resulting pressure on performance will constrain banks' ability to invest and force them to make clearer - and tougher - participation choices.",
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      "text": "First and foremost, it's far from clear whether consumers value today's broad banking offering. A clear indicator of this is the low level of cross-product holdings across the industry.",
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