leading competitors of commercial banks, currency exchange services, discounting commercial loans, savings deposit services, safekeeping services, trust services, checking account services, cash management services, equipment leasing services, insurance services, retirement plans and retirement planning, security services, merchant services, investment-banking services, major financial institutions in the world, key trends affecting all financial-services companies, rising competition trend, government deregulation trend, interest-sensitive funding trend, automation trend, geographic expansion trend, convergence trend, globalization trend, career opportunities in banking and financial services, teller, loan officer, credit analyst, branch manager, systems analyst, security analyst, risk-manager, regulatory compliance officer, security trader, investment banker.