Hence, even though consumer finance is a strong suit of each, Fubon and Citicorp make a good match because their customer bases are complementary. Paul Cassingham, former president of the American Chamber of Commerce, pointed out at a chamber banquet that an unfriendly market isn't the only reason foreign banks haven't been able to expand their share of the Taiwan market.
這也使得花旗和富邦雖然同樣以「消費者金融」見長，卻因客層有所區隔，而可以互補。前美國商會主席柯星漢則在一場餐會中指出，外商銀行在台灣的業務始終無法擴大，不完全是市場不友善，而是他們心有顧忌。