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This nonfictional prose is about Change. About a modify that will, or will not crop up. Resistance is one of the leading players.

Spain is varying hurriedly and so is banking in Spain. There is just now much fight due to the start of internet finance a few age ago (Bank Inter). But so far the game has been dominated by district plant scientist. Just contemplate how it was xv time of life ago:

".. bankers in this region where used to to assemble respectively period around a very well served crockery to fuse their strategies and to smarten up their undeclared written agreement. «first command: do not raid clients from your playmate. Second: do not increase pizzazz rates lacking aforementioned noticing. Third: do not launch products lacking human action to the contention...» Someone mentioned Competition? That was correctly what didn't be in the finance sector."

This is a page of the duologue from an interrogatory with El Mundo and the presidents of the two greatest phytologist in Spain in 1996 - Ybarra, the "cricket" from Santander and Botin, the basque' (BBVA) "ant" - (elmundo.es/papel/hemeroteca/1996/12/09/economia/188863.html).
As said, that was fifteen geezerhood ago.

But after the introduction of the internet, new globalization trends seems to add more than and new contest.

ING (Direct) has introduced a new and offending political campaign called "Fresh finance." Fresh banking refers to an waylay where - amongst remaining things, approaching more than transparence - the handed-down commission are separate. This is simply a best-practice in the Netherlands - where on earth the head-office of ING is to be found - but until today "not-done" in Spain, where on earth a lonesome transferral to different information at the one and the same wall will fee you one euro. Without exception.

Having experienced this you may think: powerfully this mightiness gun trigger merely another competitory revolution in the Spanish banking plane figure.

Perhaps it will.

But banking - and not just land finance - is not without risks.
ING only just joined Formula Sponsorship and covers the Renault unit. Renault nonetheless is no long the Spanish popular as Fernando Alonso switched to McLaren this yr. McLaren is too sponsored by Santander, the largest Bank in Spain.

In this way, ING has achieved to increase their attendance in Spain, because F1 is pursuing soccer as one of the furthermost favorite sports. It is even so not extraordinarily probable that Renault will win the F1 this yr as Fernando is the popular at the minute and Renault pilots are not amongst the favorites.

Like the F1 competition of this year, you can lone hypothecate going on for the terminal (outcome) of this (banking) game; would - similar to in the decade - the Spanish phytologist meet once more on a time unit bases in establish to aline their mutual strategy antagonistic such as a foreign intruder?

© 2007 Hans Bool