Which big bank will be the next to go?

It's a truism that the United States is overbanked and that consolidation is inevitable. But some industry observers see several factors converging that they say will quicken the pace of deals involving the nation's biggest banks. They include the removal of remaining barriers to interstate banking, a competitive marketplace that requires ruthless attention to efficiency, the need to invest big dollars in technology, and the prospect of slower revenue growth in a softening economy.

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