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            | Topic: | Business | 
        
            | Number of pages / Number of words: | 20 / 5514 | 
                
    
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In one survey (Web-Tech, Inc., May 17, 1995), eighty-two percent of 18- to 34-year olds polled preferred banks with 24-hour service.
Customers are also demanding a more sophisticated mix of products tailored specifically to their financial needs, and non-bank competitors are better fulfilling these needs...
        
        
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Banks today hold only 20% of household financial assets, versus 34% twenty years ago; they have 30% of business deposits, versus 42% only seven years ago. Nonbank credit card providers have gained inroads against banks, holding a 25% market share versus 5% in 1986 (WebTech, Inc., May 17, 1995).
Internet banking offers an attractive solution to this redesigned products and services...
        
        
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                                    outline the concepts made by Clarke and Critcher (1995) of ?material and cultural' (Clarke, J. and Critcher, C. ?Leisure and Inequality' in C. Critcher et.al.,1995, Sociology of Leisure: A Reader. London: E+FN Spon, p247) constraints to leisure
                            
                    
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