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  • For Citi/MSFT a central challenge will be moving customers away from their bank to engage in activities such as budgeting and paying bills??? and then transacting. (Remember Transpoint from MSFT???. it was close to the date when Gates said Banks were dinosaurs in 1994???) In the US, MSFT, Mint.com and INTU had trouble getting customers engaged seperate from their Banks.
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