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The fact is that ever since identity theft and terrorism (post 9/11) became major issues..... most western banks have instituted some seriously rigorous procedures. Many European banks have been pushed into this by the USA/EU.
Banks which dont fit into the asian side, american side or european side but some other place (like maybe islands and tax havens) just dont know what theyre doing anymore......
Its like if you see a line of 20 ants following each other and you remove 5, the others dont know who theyre supposed to be following so theyre all over the fucking place.
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