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  "notes": "Uses a causal chain framework to link bank operational costs to consumer outcomes.",
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      "text": "Costly brick-and-mortar footprints -> Structurally high fees for the most vulnerable customers; Legacy and antiquated technology stacks and call centers -> Poor accessibility, customer service, and digital user experience; Onerous regulatory requirements -> Innovator’s dilemma and constrained investments",
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      "text": "50% of consumers knowingly overdraft to cover short term expenses despite the high fees",
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