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In chapter 4 of Bank 4.0, why does the author predict that bank product structures will disappear? Question 3 options: 1) Customers don't understand them

In chapter 4 of Bank 4.0, why does the author predict that bank product structures will disappear? Question 3 options: 1) Customers don't understand them 2) Regulations will mandate simplification 3) Experiences will become more important 4) Operational costs are too high

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