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HK’s first complete online banking application offers a 24/7 banking service geared towards young users and small and medium-sized businesses. Our aim is to allow our users to enjoy equal financial opportunities. Meanwhile, the contactless service has profoundly changed the operation model vs. the in-person model of traditional banks. It is of great significance in the current economic environment with regards to the pandemic. The app greatly improves user experienceand efficiency, such as loan approval speed, risk control, and support. Our focus is on forming healthy spending and financial habits, making a long-term commitment to grow together with users.