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Topic: Business
Number of pages / Number of words: 5 / 1264
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The banking industry was heavily regulated for e.g. loans were only available through them. Now we see credit unions, pawn shops, and independent lenders all loaning money. Consumers with low credit ratings are drawn to some of these options as a means to obtain a loan that the banks have denied them...


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Keen demonstrates this when he cites "First Line, an insurance service set up by a bank, captured 20 percent of the UK car insurance market in its first two years of operation by carefully focusing on a simple product in terms of knowledge demands." [2]

Bargaining Power of Buyers

The consumers are the buyers in this industry...


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