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other challenges remain. They include fast-changing technology, wherein non-bank players are joining the fray and playing an increasing role in the market as alternative service providers for consumers
. Nonetheless, the business sector remained challenged by new modes of competition, the broader marketplace amid the advancing digital age, regulatory changes, the rapid pace of technological advancement and fast
business operations. Other challenges also lie in the fast-changing technology which will provide consumers with increased alternatives in conducting financial transactions. 1.3 Regulatory Changes
of fast-changing cyber threats that are always becoming more diverse and more complicated. Reinforcing a cyber risk-aware culture that involves the Board of Directors and high-level management
by employees in case of change in an employer; (2) Employees are entitled to leave for necessary business for no less than three working days per year; (3) A pregnant female employee is entitled to
suitable for each customer, with fast process of loan approval. Moreover, the bank categorizes its loan services into 3 business sectors, i.e., loan service for big corporate & corporate, loan service for