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Capturing the personal-banking business of small-business owners has long been a Holy Grail for financial institutions - and a highly elusive one at that. Part of the problem is that a lot of small-business owners simply do not want to mix their personal wealth with their business related banking. Or they're unsure that their financial institution is capable of managing both sides of the ledger sufficiently. Yet it is also true that few banks have gone about trying to maximize cross-selling to small-business clients in a dedicated, systematic, and efficient way - one that can overcome the hesitation that many clients feel about having both business and personal accounts at the same institution.
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