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. 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
policy in the Digital Economy operation plan. Therefore, the bank pays attention to the innovation products development and digital financial services for provide the time saving to the customers, expense
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
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
has developed the innovation products and digital financial services for provide the time saving to the customers, expense saving and convenient service such as: 3.1 LH Bank M Choice Service is a