Why “Agency” Is Becoming One of the Most Important Ideas in Economics, Psychology, and Governance
Direct-to-consumer financial platforms are part of a much larger shift.
Technology is increasingly giving individuals tools that were once only available to professionals:
• forecasting
• modelling
• document analysis
• decision frameworks
This raises an interesting question:
Will the future of financial services be institution-centred or citizen-centred?
Agency may become the key differentiator.
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