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| Illustration: Pete Ellis |
Banking consolidation is often cited as a challenge in Latin America. In the past, banking crises have led to acquisitive growth opportunities for those banks that have been relatively less stricken, while customers have sought out the strongest banks for fear of the smaller ones failing. These factors have been supplemented by others, such as costs of regulation and technology for smaller entities, to drive an increase in the market share of the leading players.
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