Lending will be a bright spot this year but the regulatory burden continues to drag on growth and innovation, according to a new survey of financial services executives from Fiserv Inc.

More than 46% of the more than 900 respondents – senior managers at credit unions, banks and other financial institutions – said they were "somewhat optimistic" for the overall economy in 2014, while 9% said they were "somewhat" or "very pessimistic", and another 42% thought this year would be about the same as 2013.

The responses were gathered in the 2014 Fiserv Boardroom Series Outlook Survey distributed in early January to the 17,000 members of the Fiserv Boardroom Series community, the Brookfield, Wis., company said.

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