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Discover Financial Services is a large direct bank that will benefit from a healthier US consumer. This brings me to Discover Financial Services (NYSE: DFS). This $29bn gem has been creating immense shareholder value over the last 5 years and is a direct play on the growth of the ‘personal.

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Today, however, fintech has transformed how banks operate. No longer relegated to the gloomy corners of back-offices, fintech has taken centre stage by making itself indispensible to customer-facing processes.

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