The Dean Witter merger was undertaken with the aim of creating a one-stop shop for financial services, but so far no dazzling synergies have emerged.

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The Dubai International Financial Center (DIFC) is their neutral meeting ground, offering a one-stop shop for legal, financial, accounting and other services.

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At a retail banking conference a few years ago, speakers were extolling the value of one-stop shopping, although when questioned it turned out none of them relied on a single source of financial services.

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