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AnExample:U.S.ConsumerBanking•ForeignBanks•Non-BankFinancialCompaniesPOTENTIALENTRANTS•Increasingneedsforsophistication•Increasingdemandforquick,high-qualityservice•Decreasingskilllevelsofentry-levelemployees•Capitalaccessshortages•Non-branchdeliverysystems(e.g.,loan-by-phone,bank-by-mail)SUPPLIERSCONSOLIDATIONSUBSTITUTESCONSUMERS
