B. Disaggregation and Reaggregation: Global forces are breaking up and
reassembling companies in ways that enable new entrants to serve commercial bank
customers often more effectively and efficiently than traditional providers. They are
able to do this because they design their business systems around specific customer and
market needs rather than around regulatory or geographic barriers. In essence, global
forces are enabling new entrants to pool together parts of the business system and
create new types of intermediation, i.e. electronic marketplaces/intermediaries.