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Physical infrastructure, generates tax revenues for governments, and, of course offers a variety of products and services to consumers and other businesses each of these contributions has multiplier effects on development. B&ncom sells and accounts for their goods and services in the areas of marketing, human resources, customer service, financing, and the handling of inventory, and is developing these areas to succeed in their consumer retail markets. Marketing of financial services learning outcomes on completion of this assignment students should be able to: 1 demonstrate an understanding of key service elements in the financial industry. 11 new product development in the personal financial services sector the development of new products is an activity which in recent years has taken on an increasingly important role within organisations in the personal fmancial services (pfs) sector.