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Over the past several years, the number of smaller banks in the US banking system has been declining dramatically. A banking system built that once prided itself on the community bank was moving rapidly moving to become a banking system dominated by a relatively small number of commercial banks. My time horizon for the shrinking banking system was over the next five to ten years.
I saw the spread of information technology as being the major driver of this change. The larger banks were going to dominate the world of digital banking, and the underlying