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The Future of Banking Is Already Here

  The U.S. banking industry has always followed a very simple formula: Intermediation 101 calls for banks to gather deposits from local depositors (primarily retail) and lend to local borrowers (primarily businesses). But over the past few years, Novantas has been warning that this formula is fundamentally at risk. Deposit-gathering has become a national business that is dominated by a few national banks and direct banks. The most recent set of earnings reports shows this ...

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