Traffic prosperity and hidden worries of profits: the development of the global digital bank industry

In the past ten years, the banking industry has continued to evolve with a new form of organization in continuous exploration and innovation. The concept of digital bank has quietly appeared with the popularity of mobile devices. Digital bank provides customers with banking services mainly through the Internet. Customers can get all kinds of services through purely online and self-service operations. In this model, the "bank”  becomes "lighter". It integrates the convenience of fast online payment and has the safety and security of a bank.