 The evolution and increasing sophistication of customer tastes and preferences must be met by anytime-anywhere functionality. In order to respond appropriately to these needs, financial Institutions  must  design  financial  service  products and solutions that contain these same features.
Samuelson, however, unlike Dante, also identified a category of (worldly) goods that are “non-rivalrous”. For example, national defence or street lighting. If I benefit from a street lit at night, I do so without preventing my fellow citizens from enjoying the same good. These are non-rivalrous economic, worldly goods.