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.

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