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      <title>SIFS by </title>
      <link>https://padlet.com/j_serbera/s8askckpwaeq</link>
      <description>5 forces UK banking industry</description>
      <language>en-us</language>
      <pubDate>2016-11-03 08:45:20 UTC</pubDate>
      <lastBuildDate>2016-11-03 13:05:17 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>Buyers = customers - What s the buyer&#39;s power?</title>
         <author>j_serbera</author>
         <link>https://padlet.com/j_serbera/s8askckpwaeq/wish/135045445</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2016-11-03 12:24:43 UTC</pubDate>
         <guid>https://padlet.com/j_serbera/s8askckpwaeq/wish/135045445</guid>
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      <item>
         <title>Suppliers = Customer deposits- Interbank loans</title>
         <author>j_serbera</author>
         <link>https://padlet.com/j_serbera/s8askckpwaeq/wish/135045537</link>
         <description><![CDATA[]]></description>
         <enclosure url="" />
         <pubDate>2016-11-03 12:25:04 UTC</pubDate>
         <guid>https://padlet.com/j_serbera/s8askckpwaeq/wish/135045537</guid>
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         <title>New entrants?</title>
         <author>j_serbera</author>
         <link>https://padlet.com/j_serbera/s8askckpwaeq/wish/135045806</link>
         <description><![CDATA[<div><strong>Substitutes?</strong></div>]]></description>
         <enclosure url="" />
         <pubDate>2016-11-03 12:26:02 UTC</pubDate>
         <guid>https://padlet.com/j_serbera/s8askckpwaeq/wish/135045806</guid>
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         <title></title>
         <author></author>
         <link>https://padlet.com/j_serbera/s8askckpwaeq/wish/135048118</link>
         <description><![CDATA[<div>Entrants- large risk of competition for supermarkets. Businesses that are well geographically diversified and have the levels of capital necessary to enter the banking industry on a greater scale&nbsp;<br><br><br>&nbsp;Substitute/threat - possibly the Rise of peer to peer lending but unlikely able to compete with banks overall&nbsp;<br>&nbsp;<br><br></div>]]></description>
         <enclosure url="" />
         <pubDate>2016-11-03 12:33:55 UTC</pubDate>
         <guid>https://padlet.com/j_serbera/s8askckpwaeq/wish/135048118</guid>
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         <title>Substitutes</title>
         <author></author>
         <link>https://padlet.com/j_serbera/s8askckpwaeq/wish/135048460</link>
         <description><![CDATA[<div>Retail Banking - Virgin Money, Metro Bank, Tesco Bank<br>(High street banks offering incentives to switch current accounts, credit cards<br>Lending - P2P (The Lending Club, Funding Circle)<br>               - Payday Loan (Wonga, Quick Quid)<br>Payment Services - PayPal, Skrill</div>]]></description>
         <enclosure url="" />
         <pubDate>2016-11-03 12:34:53 UTC</pubDate>
         <guid>https://padlet.com/j_serbera/s8askckpwaeq/wish/135048460</guid>
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