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“There are two kinds of incumbent banks: There are banks that are screwed, and there are banks that don’t know they’re screwed,” said Adam Dell, founder of personal finance app Clarity Money that was acquired by Goldman Sachs in 2018.
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Senior executives at Goldman Sachs have also taken shots at the quality of offerings at other banks in trying to pitch itself as a trendy new alternative. Marcus, which offers savings accounts and makes personal loans, could transform the financial industry in the way that Amazon.com Inc. disrupted retailing, Dell said.
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