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This article has been withdrawn as it was published elsewhere and accidentally duplicated. The original article can be seen here: 10.1108/03090560010342485. When citing the article, please cite: A. Lievens, R.K. Moenaert, (2000), “Communication flows during financial service innovation”, European Journal of Marketing, Vol. 34 Iss: 9/10, pp. 1078 - 1110.

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