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consumers (46 percent) using digital channels exclusively for their personal banking, the better question would be “why not?” Consumer protection is key to us. And a good example of new technology adoption is our use of machine learning algorithm to prevent fraud and scam attempts. Within a few milliseconds of collecting personal and transactional data, we need to decide to either accept ... of data from past incidents of reported fraud. Therefore, we can teach our algorithm, what is and what is not potential fraud and proceed from there. Another example of adoption of new technology is the use