$4.$ Read the following Case Study and answer the question that follows: Technology has changed the world. Customers know that anywhere, anytime convenience is possible, and they want it$,$ especially for their finances. Banks that want to build and retain their customer bases and therefore want to offer the options that award customers these conveniences. FNB customers are complaining because of long queues at the branches and the burden of always having to visit a branch in order to perform required transactions. The bank has received numerous requests for secure$,$ reliable and robust digital banking solutions that could provide convenience and meet the banking needs of its customers. From the passage above you are required to advise the IT team on a digital banking solution that can be developed by FNB in order to circumvent the stated problem. As part of the advice outline the specifications and functions of that solution. $($Marks $5)$