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Du Miaomiao, senior analyst with iResearch, said, "The market has witnessed much investment over the past three years. Now, the investment bubble has been squeezed out. Investors have become more conservative."

Dong Dengxin, director of the Finance and Securities Institute at Wuhan University of Science and Technology, said that the reform is a timely move to help smaller firms cope with financial hardships amid the COVID-19 outbreak.

Driven by such factors as digitized customer journeys and pricing based on advanced analysis, a bank's operating income will increase by 10 to 20 percent. Its staff efficiency will increase by 10 to 20 percent and the customer satisfaction ratio will increase by 10 percentage points, according to an analysis conducted by the global management consulting firm.

Dov Zakheim, senior fellow at CNA Corporation and former undersecretary of defense from 2001 to 2004, said "if you don't come up with a strategy, you are never going to justify getting the money".

During a recent visit, executives from the company detailed Wolong's international structure and anticipated growth in the United Kingdom.