How have banking and finance affected the economy of North Carolina? Check all that apply. Bank closures have left many without options for securing loans. Outsourcing has led to many North Carolinians being laid off or losing their jobs. Industry growth has led to the opening of more banking offices. Employment opportunities in banking and finance have increased. Since the 1990s, wages for banking and finance employees have doubled. Globalization has made it more difficult for North Carolina banks to compete with foreign institutions.