While Australia is trying to work out how to make financial advice better, more accessible and more affordable, other countries are simply getting on with it.
In Germany and Britain, challengers are taking on the incumbents, pinching deposits and customers off banks, and moving into investment products.
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Anthony Macdonald is a Chanticleer columnist. He is a former Street Talk co-editor and has 10 years' experience as a business journalist and worked at PwC, auditing and advising financial services companies. Connect with Anthony on Twitter. Email Anthony at a.macdonald@afr.com
