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Excellent article with simple down to earth advice for the traditional banks. I share your concern that despite having masses and masses of data about me they act as if they know very little about me. When applying for a mortgage from a bank where I have banked (and worked) for years they asked me more than once for my country of birth, date of birth, age next birthday, monthly income etc etc. They have such a long way to go and if greatest concern is that they change so very very slowly

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It will be interesting to see the way this turn out to be, The hard part is that the bankers are leaving banks, they are going to build fintechs propositions.

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