Word: retailing
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Dates: during 1990-1999
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Those that don't will be casualties. McColl (who gives crystal hand grenades to prized employees) understood early on that one day banking was going to be like war. Call it semper finance. Says David Chaum, the visionary guru behind DigiCash, a Net-based currency: "What you find in retail banking today is that some banks see themselves as acquirers, and others see themselves as, well, acquirees." On the day the Travelers deal was announced--creating a giant with $42 billion in equity--vice presidents at still independent Goldman Sachs nervously fingered their E-mail with questions about when...
...financial services industry. And while the Canadian banking sector is highly concentrated, its financial services sector is not. Fifty trust companies, many with near-national reach, offer a range of services comparable to that of the banks; 2,500 credit unions and caisses populaires (Quebec credit unions) remain important retail outlets; 150 life insurance companies offer a wide range of investment vehicles; 80 mutual fund companies command 77 percent of the Canadian mutual fund market. Canadian banks, due to their size and scope, constitute five more competitors in each of these markets, not leviathans standing astride any one of them...
...find export financing. Heck, you could even open a checking account. Says Roy Smith, a professor of finance at New York University: "This new company will look more like Procter & Gamble than it will look like a bank. That's because what is being created here is a retail-products-distribution company for people interested in financial services...
Gowns must be returned before June 15, unless the senior wishes to pay the full "retail value of the gown, up to $500," according to order forms...
...that do enter out of curiosity usually just take a quick look around, before hurrying off to their awaiting flights. Few, it seems, are interested in buying an official Camp David lighter-retail price $49.95-or Christmas cards from the Reagan administration...