Question Two: a) The subject of emerging issues in financial institutions and markets is a hot debate in most countries including Kenya. Identify and briefly explain any emerging issues in financial markets and how they have shaped the operations of financial institutions and markets ( 10 Marks) b) Marketing of financial services is a key ingredient of any financial institution. In your opinion is there justification of continued marketing of these services? What challenges are experienced in practice by organizations when marketing their financial services? (10 Marks)