1. Due to the emergence of new technologies and online transactions, the banking industry was also shifting to online banking practices. A growing phenomenon in financial and banking services is the use of the Internet as a channel for financial services. The financial sector is one of the business areas that has been most affected by the spread of new technology changes, especially the service delivery seen in the Internet banking.
2. With the trend of economic globalization and financial liberalization, the pursuit of global banking expansion has become the subject of most banking industries around the globe through the merger and reorganization.
3. The financial factors such as dynamics of exchange rates, capital flows and export growth also play significant impact to the trade and investment practices of banks and financial sectors.
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