香港金融管理局 Hong Kong Monetary Authority's #smartbanking initiative aims to "help the banking sector to rise to a higher level and embrace the enormous opportunities brought about by the convergence of banking and technology, thereby improving the quality of banking products and services for customers." As consumers become more tech-savvy, the #virtualbanking sector has become a real game-changer. How can virtual banks attract customers and remain competitive? @Peony Wu, Chief Customer Officer at Mo