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Shoe stores have mobile apps. So does the Smithsonian. You can find apps that help new parents keep track of diaper changes, apps that can help you find a clean restroom while traveling, and apps that let you schedule your dry cleaning for pickup and delivery. It’s the age of the mobile app, and it really does seem there’s an app for just about everything you could want to do, buy or sell. Why then are there still any financial institutions that don’t have their own....

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