Question: When you say that the digital world makes things more transparent, are you considering how cyber crime and attacks on data have been on the

When you say that the digital world makes things more transparent, are you considering how cyber crime and attacks on data have been on the rise? what are the challenges associated with these attacks and the impact on transparency?

I agree that the global banks have an advantage, but I do not agree with you when you include the local banks. What advantages do the local banks have? Please explain your rationale.

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