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The five Ps of banking


Since the birth of formal banking, banks have relied on the “five Ps” – people, physical money, premises, processes and paper. Customers couldn’t bank without being exposed to the five Ps. In the digital age, however, banking can be carried out via the Internet, which means that bankers and bank employees are hidden from customers who no longer even have to visit a branch (premises).

Banks have relied on the “five Ps” – people, physical money, premises, processes and …



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