Intermedlaries are go-betweens. A financial institution is a financial intermediary because they are between the savers and the users of moner. Some people deposit large sums to be saved over time. Other people (or the same people) need to borrow large anounts. If I need \$1,000, it is easier to go to one place and borrow it than it is for me to find 10 people who will lend me $100 each. Financial institutions and the use of them have changed a lot over the last few years. Can you describe 2 (there are many more) technological advances that have occurred in financlal services since your sranoparent started bankins