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Consumers of financial products have more choices than ever before — from traditional financial institutions to new financial technology (fintech) providers. With such an abundance of options available to them, consumers are justifiably intolerant of delays and inconveniences. Consumers expect a quick and seamless response when it comes to acquiring financial products such as getting loans or credit lines approved, or creating money transfers or currency exchanges. In this competitive environment, the top performers will be those that offer experiences that appeal to evolving consumer preferences, change with market demands quickly and balance back-end costs, margins and risk.