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  1. See below tweet: I don’t know that I agree with his take that banking has been disrupted. Payments have potentially been disrupted by new technologies, but I don’t think the banking business has. Who can and can’t lend money commercially is regulated, and when I need a mortgage or car loan I’m only going to one place, and that’s the bank. So what’s he talking about? Can anyone else see what part of banking has been disrupted?
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