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New fintech applications (Image: Shutterstock).

At this point, predicting the downfall of big banks is practically a cliché. Their demise has been forecasted for years, but it wasn’t until the 2008 financial crisis when cracks really started to appear in their foundation. Fintechs were around, but their use was still somewhat of a novelty and didn’t appear to be a match for the established giants. Fast forward to the present, when the leading brands may give financial CEOs a few sleepless nights.

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