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For those in the financial services industry, what has been your biggest challenge over the past 12 months when offering digital banking services?

For those in the financial services industry, what has been your biggest challenge over the past 12 months when offering digital banking services?
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Preventing fraud24%
Meeting customer demand for online banking services29%
Building up our technology infrastructure to support digital banking21%
Meeting additional compliance/regulatory requirements that come with online banking12%
N/A - we don't offer digital banking14%
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