Over the past year, there has been plenty of writing about the prospect of stability—the so-called “new normal”—in post-crisis financial services markets. And during this year, we’ve continued to see plenty of destabilizing forces rock the industry. Everywhere, creditors are wary of future regulatory impacts on their business and of technologies unleashing new types of competitors. And, of course, some markets are still struggling to emerge from recession, notably the US and Europe.
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