The value add is offering financial products that consumers want. Businesses and people need to loan or borrow money, offering a wide variety of products that

The value add is offering financial products that consumers want. Businesses and people need to loan or borrow money, offering a wide variety of products that suit different needs supports economic growth. A good example of this are all the foreign companies that decide to go public on the NASDAQ. They aren't doing it in their home country because of a weak (or non-existant) equities market, or burdensome regulation.