will also fine-tune products for sale to match with customer preference in each area to attract more customers to visit and shop more.

supervise and ensure fair treatment for retail and SME customers will pose a heightened challenge to banking performance. To cope with these issues, commercial banks may have to fine-tune their strategies

well-prepared, and ready to fine-tune business strategies in a timely manner to remain competitive. 4. Regulatory Risk Given that commercial banks are deposit-taking institutions which play a vital role