There have been a lot of murmurings ..

There have been a lot of murmurings in the market over whether brokers will face a serious threat to their small and medium sized enterprise (SME) 'bread and butter' business.

This topic has surfaced time and time again in interviews with leading industry figures including Charles Crawford from NIG, Martin Oliver from Kwik Fit Financial Services and Andrew Torrance from Allianz Cornhill.

The consensus seems to be that there is no serious threat to brokers apart from very basic business, which

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