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Because the economic crisis, highest financial institutions and you will old-fashioned financial institutions were talking about a number of demands. Initially, banks were distracted, dealing with nightmare at the job because of history loan courses from the aftermath of your own economic crisis. Then appeared improved regulation and you will investment criteria, so it is more complicated (and you can expensive) to have banking companies so you can compete in a number of lending locations and can likely remain in the foreseeable future.