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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
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
and cyber security challenges while staying ahead of fast-changing cyber threats that are always becoming more diverse and more complicated. Reinforcing a cyber risk-aware culture that involves the
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
. 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