CINXE.COM

<!DOCTYPE html><html lang="en-US"><head><title>Just a moment...</title><meta http-equiv="Content-Type" content="text/html; charset=UTF-8"><meta http-equiv="X-UA-Compatible" content="IE=Edge"><meta name="robots" content="noindex,nofollow"><meta name="viewport" content="width=device-width,initial-scale=1"><style>*{box-sizing:border-box;margin:0;padding:0}html{line-height:1.15;-webkit-text-size-adjust:100%;color:#313131;font-family:system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,Noto Sans,sans-serif,Apple Color Emoji,Segoe UI Emoji,Segoe UI Symbol,Noto Color Emoji}body{display:flex;flex-direction:column;height:100vh;min-height:100vh}.main-content{margin:8rem auto;max-width:60rem;padding-left:1.5rem}@media (width <= 720px){.main-content{margin-top:4rem}}.h2{font-size:1.5rem;font-weight:500;line-height:2.25rem}@media (width <= 720px){.h2{font-size:1.25rem;line-height:1.5rem}}#challenge-error-text{background-image:url(data:image/svg+xml;base64,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);background-repeat:no-repeat;background-size:contain;padding-left:34px}@media (prefers-color-scheme:dark){body{background-color:#222;color:#d9d9d9}}</style><meta http-equiv="refresh" content="120"></head><body class="no-js"><div class="main-wrapper" role="main"><div class="main-content"><noscript><div class="h2"><span id="challenge-error-text">Enable JavaScript and cookies to continue</span></div></noscript></div></div><script>(function(){window._cf_chl_opt={cvId: '3',cZone: "publications.waset.org",cType: 'non-interactive',cRay: '9134b6eebdd9fe0b',cH: 'nwPQvhDZ0LuCGn0Nt6Vaz3m_UjpCvTZDpGufhImjjos-1739784163-1.2.1.1-vIKI.hQa.8I5eCDmMNzPKJPiwxAfFoR92EGUtK96ErakvydVH88LwuMixsIYPpsg',cUPMDTk: "\/abstracts\/search?q=banking%20sector&__cf_chl_tk=NL.Y3IYtn72387vVffEIHsFLBDacwTHLTTN_B0XG8yk-1739784163-1.0.1.1-7EmKkYCE6NRzpfVrfuRhT1S5HDIynOYSb.jCkhPmSK0",cFPWv: 'b',cITimeS: '1739784163',cTTimeMs: '1000',cMTimeMs: '120000',cTplC: 0,cTplV: 5,cTplB: 'cf',cK: "",fa: "\/abstracts\/search?q=banking%20sector&__cf_chl_f_tk=NL.Y3IYtn72387vVffEIHsFLBDacwTHLTTN_B0XG8yk-1739784163-1.0.1.1-7EmKkYCE6NRzpfVrfuRhT1S5HDIynOYSb.jCkhPmSK0",md: "YdwZFqSFVFac6pVkQKeXsLm1WyOBcP4hElGbjSO5VnY-1739784163-1.2.1.1-y88VPL710y5MuUHA7Ii5PFlicFpO65PnqXIuH1k27FkK9oeJbAN97RBuVlm.sc4MxySejlKBRw8xR3ZOapMDiDCQQOoXp9H1tBW4cRNqu4HIjc9JFee1fCEKFjbkwyGEjeqsdwSR.GGhx4Xdnn1kn1bDhhktTZ5mrghxdN6Fp4vJZamuqqRZqXTHHay8q8iWVlrddIJHo.LlqQacCkzL_fBJ61WkhEQm5g4BU2MRygLI06_T1DhccqUnm_1OIu1.X55lpSLFhTJbduh6LNZylzgHEIpB1FpnQ.FhtYA2y.dsvf9MMPODWrLQp2oFmLOd6qhrBD6ot7v3F_EIu2VZlXgHlUKil3OmWaz4IoMgiNBgf4QwD6sjG_8ir1m39yYiZM1nLTFvGR6ZD49QQRnSGbRmOmvJuSl_kjjKZVHM888K3IUD6NxgE2_PU5q.wqm3o_n2c9vzg.5bEq6OczPiUMxNu1w5WwfoPilVfglICG.6b_oZz9tMHBxa_LAhxXfPdeSxhLoGfujK1Fw7tzy1Uj.OPISREYVwyxPUtjF7GB_rpLYSyO3YBoQADMBcLn8If.6VGzm4PnYgHy0yvMHQxaedttLpZAZMg2q0wVy8hFCIDDmvpAVY54hKEKTm7lRH27X_DL8coYjlMHifrpfZ14L08yVqUSL7anYGtNf.w2YuqGU_r.mvAx2JMLnEDNyQ7ame2uXx6kmfvf6yxqds_P41ZN78a3hpUeNLoDVOi_NHFiR1fsfrhd2qy4ju7kyz_9bI4SBRLsy59WoEg5.o3AjZilH1U.23E93H_QYk3DnWcbURugHG3HmvGgHf7M11WNY8Lrsg__JfJM0rz8UEylhm9YdVI0023TTSN26NZ1byVcUygEADh_I3G6RbDxsXMjXl3dEW6AkfU1h9BMUg5ymcLGRfUpW6ni3ACFoDR8WKbj5UY4LJAJjEPjC5pY_jdA6otf72BdY0PAnRMxuKeI86zrT5ezfJerSfMVBaRl2JUUYsWG8LJdkCFfATpCl3FWG_6hGa22OZ4RcHfVyG633xKaGEilCv8ps8PrMjXbw0MZf0ClFSvlH4w.tUa6PY3xP6fGeaXxJB9qaauHtIiatpHeiH04PZTgpddI6xAQto_Ez80at5kcadX.zuxzd2NK3d2kNoXP6hlyABRMQvj4902a0QwQKX7J6fxwTWb0Pem1q9QIHxAkUWcvzktt29WKEHIo6dY3WJeez.OuUlzvHjqjdwnD6iyB0rnBMggH2P2PFteEMuq8_2mckrL0a9.w21Hwp.ImT8abCV_LW3sMGseMkkltmSlNGKwJQe28mv23lxAPMq4qQEpnKBk.risT17LL_5EJv4I74CFuXZLHx.i7aNnL9v4vhWwQ0X0iLGvRXEtc12ZYfobFiCrSWFIFjdH2lJlaBXU75h6COsq8_XStAqnWmyXopDM1ux8DvslgomOy3BM4X5KtLCBSuqVba19kRndKpMbA23ln.LHCOJoOhqQyVSkzMikH2675OGp6kOFgs77XloJeCf.Vkie0ueQImrOEioY52x08xCT6.I6tKtE6xCsf7mAxywS4UfMZMEnKG57W_MPt2Pe.4CdxGn9XNOATTP.oB3lvz1rlVO8KaNPgPFjz.bvSVTX9ST3qF9NytmVufSUsZ0rNleg9TkvnAOpjSYjVZQJOGkFWCriXyuysRMljxPoyTLKXr935uxTYOpPPQ5lMqYn5EJ6W5DL_Gu8wnkVABknzDpt5Jofw3dIZdW4VlGc48arCcRR1zXUIayNMmSQeV2gre6PmMj0QzPd3hCsJOO5paQdt9rpZN51erhXYmodKsWC5ALG.pQwsVq85S7XT6By1ZSJ9et4rfQU.gn8Qanhf6xcCQEK8R7xH745oKYUMbSaieNEMQ2hobUZ_xhQ8RIS_7vVLWlrhPLiFQvI0i12E1VEUbAmBZJqVZNr6lhxRyHKF0",mdrd: "R_xi7tCIP1MDZD7xegwCQqh4gsjkeLr4vNJhQTNuwx4-1739784163-1.2.1.1-5PoWsYbVef9uS4k_Q6EXUIUy2UcbBZHpK_Nx3Zw1SUauPPbgRjHdQgX.hHmQiiH0OS4WuTPrytAg50xRC30ZDZ_kIIfx_sfGE6cvH0jMo29LiWyPtiaM910gw6rjN.XnagmTZFVJVyfOnfsK0Z9m63VS67CozWcTA1grO03WmrjMY4xrDmxZckATXFqKT8XGqClp0qMBtsoqLru4STZTEybhjVoPajOP8CmPxDihQ9BYEozq0xjXORHZQGxPlMDxkD_fv1tn2xoO6L_Xh5kX10K5op5fjt46COI0Y09al2iV9EwRvKe7mJvlYcxJromQfBEeeLlDO1gME2ZGUnQ8qUn5WJxS7ezXQcNswUHvNlUEDYFOwd4KgTqTC1wEMq3tQXLoOgM0.tgAxW3aSa3F.dISXQfClvc55gAsv34FFS8gignKQZt6rsIjMCdHtrbAej94OAWC_KoGx7cofAP5SELFYsHlYVmm2Dr_iRRZuv5SbJDg5bP0d8ZvuB1kMvSBcpszpZCwuIx1kuW1sY5EnMjHDDDmAEXSrkQbj7FaWCXxDAS.bHRKrQl26ksZipvZetquLkwavil20FSn.Ibf4jjj2wwvEa2I2xCK0TMXgDCbQwt.50_asfp2tM4GVMGneFyCLLmRkdncbtZP3X3y7MP9GAlITjwWPEQXL.rspIhrbUfRwe1OwFwRAWgfBnUzzfAqYFHxd4Vu.k8TVZxSpWaXZ_YIIB.w2ovDJ5va26hliknA4KodKky_USojmboofv._JLtQ3fPL1_zmCCr837dtGHIDvyl9lT672lxvWOUZJErIUDdVXb5YBmfc9zdT7fc98A_LsINcBfY_obnUf.cEvoco9YkXgpUZpoAoDAPtbu1KNztHPK_JoAqjmWozL97Qw1Wvt2hPmrrZl_nZD.syq1Kn80piOxN7mS28ARDmsRzW7VYKSuoT0ZNRapunY.QgJ0HPQ7B3PPwxfvFTxiRgbTRMwWOoPsUjrOJi45QY2uPjaS6Am0cNMTs1CnEiLxT_C8D1ugQnzs8pyYv1EEljYhY0Xlh5Ruj069p.aZyS8A_9kgSMiwiGRXHo2ajQruyOGymB5DkorANqTlmWQgWAWXI7fDxSR8TbFnucny6oJmMMIaK2TmTpMcMF4nAXYQ9ffle5jgw8P9o64l5_CbvuKn2F9jQzqqUEIatM5uJH67xc6GJnTCHRMB7ownlMh9Ox7yJnlT4GT5PijqdM54im5KxEG0UAW4bWWtLbRShb7rC3ueAF7Nulr3ghcD3_IRUMZYmIJJ3RNQVb_z7AeGmDz7BmPHwCJkSalddYnL2EAuaRNC70YgnIZvpy1K9GXysW8UE_95zdFVMUuLH5oTMsykeYnLlm9nfcm6Jbpp0fTRjDYmhRnfbUxu6tAovQwZ7wcqiqyKE2W4r4.HbA.KLlLwFIHcZEMivb7XqfzJXR3Bt_wU2onsuqSWjg03q_qoEbWV..CXIn9yZEEUULGI4C7nciboENevGpa8Ooy54Fwg7NaUU54EcZ_BtBbdH6iOcQMpoTfkfscaYIBlsuxrBnvYOmhwlxyyCxinQuvnawLAER7l8mp8R3ZFdjzodjXJNjhF457pd0vBSEkwdChyDooxH1mC5WBi.S5fFchv1LX88Y7iWcevXoX7h8mLh0Vgh0M9TH1YYsSibhR_xfZo9MUk_3xOXsfarjD115EMGVSn41fMpSGQMzxZbfMbZvuA_MufVyD2KijdAvBRcCyzAamP8pcto8c67_biPuTmmctS9.fTWcGjg8nmWGOMKoTz0e71YfOrpysKdQ9ApyZgGZ6Perf8C_W_6Urod3_UjKXrnxO4Dt0CBIMuzELXLXSANQ5HjKQzrvNofQkUqdY8PVQJRovpvsdZk3nzg1QETEnVv_iIUUNkiuLD8zMtm8bx.O34zCDFNbRXEgh7m8TrFPtFnd9SyccgyraMNGx7rVPeW_VxfGT4Rer2wQ2oWLFoV6Cfybsu7D05y9BouMPA"};var cpo = document.createElement('script');cpo.src = '/cdn-cgi/challenge-platform/h/b/orchestrate/chl_page/v1?ray=9134b6eebdd9fe0b';window._cf_chl_opt.cOgUHash = location.hash === '' && location.href.indexOf('#') !== -1 ? '#' : location.hash;window._cf_chl_opt.cOgUQuery = location.search === '' && location.href.slice(0, location.href.length - window._cf_chl_opt.cOgUHash.length).indexOf('?') !== -1 ? '?' : location.search;if (window.history && window.history.replaceState) {var ogU = location.pathname + window._cf_chl_opt.cOgUQuery + window._cf_chl_opt.cOgUHash;history.replaceState(null, null, "\/abstracts\/search?q=banking%20sector&__cf_chl_rt_tk=NL.Y3IYtn72387vVffEIHsFLBDacwTHLTTN_B0XG8yk-1739784163-1.0.1.1-7EmKkYCE6NRzpfVrfuRhT1S5HDIynOYSb.jCkhPmSK0" + window._cf_chl_opt.cOgUHash);cpo.onload = function() {history.replaceState(null, null, ogU);}}document.getElementsByTagName('head')[0].appendChild(cpo);}());</script></body></html>