Building out a public digital payment system helped connect Brazil's poor to financial services. That’s been mostly a good thing, but more needs to be done to deal with the debt downsides.
Trust in the financial industry is low among consumers, thanks to opaque fees, bespoke benefits and complex offerings. Standardizing products and lessons from medical industry reforms offer a better way forward.
Disruptive innovations are eating away the advantages held by financial system incumbents. A look at Switzerland’s banking industry reveals lessons for navigating the tumultuous future.
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