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During the past 3 5 years, reversals of some of the trends that have reshaped the financial industry include: changes in technology. financial innovation changes.

During the past

35

years, reversals of some of the trends that have reshaped the financial industry include:

changes in technology.

financial innovation changes.

the invention of the ATM.

the changing age of the "baby boomers".

changes in regulatory barriers.

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