TY - SER AU - Walter,Ingo TI - Universal banking and financial architecture SN - 10629769 KW - Bancos KW - Crisis financiera N1 - Financial intermediation dynamics, 115 ;; Institutional competitive advantage, 116 ;; A simple strategic schematic, 117 ;; Regulatory benchmarks and organizational structure, 118 ;; Summary and conclusions, 122 N2 - This paper considers the economic and strategic drivers of SIFIs-if such institutions are a key source of systemic risk, it is important to understand how and why they get that way ER -