The evolution of outsourcing appears to validate economist David Ricardo's law of comparative advantage. Ricardo said that optimal economic efficiency resulted when each country specialized in its area of strongest relative performance. Between nations, the interdependence this suggests is frequently resisted by countries afraid to let defense or other strategic industries migrate elsewhere.

In parallel fashion, though the economics of outsourcing may be superior to in-house processing in many cases, the frequent objection of banks to farming out operations to a third party remains the loss of control and the creation of dependency.

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