One of the big promises made with the advent of technology in the world marketplace was that manufacturers gained the ability to offer consumers customized products, thus minimizing expensive inventories and maximizing sales without abandoning the cost structures of mass production.

Manufacturing has adopted the idea, but banks have been slow to, mostly using technology to field mass-produced financial products. This seems counterintuitive; the premise of investing is self-motivated investors doing what they think is best for them, an approach ill-matched to most banks' strategy.

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