Opening up the architecture

US retail

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Open architecture is a concept that has preoccupied product providers and distributors in Europe for some time. There exists a general consensus that the European market is making strides towards achieving either full-blown open architecture (institutions selling their own and competitor's products) or, at the very least, guided architecture (institutions partially selling third-party products).

The situation is markedly different in the US, however. It is widely assumed that providers must h

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