The "net economy" is growing so much that it exceeds the "real economy." It is fast becoming a world where data and ideas become assets, connecting people who need it with people who want to provide it, which can be easily accessed anytime and anywhere from a desktop or smartphone. It offers real-time financial services 24 hours a day, 365 days a year, without constraint of any region.
On the other hand, the system infrastructure of traditional financial institutions is built on the premise of the "real economy" and cannot provide the financial services required by the "net economy". In order for traditional financial institutions to survive in the "Internet economy," it is necessary to transform the system infrastructure into a "digital bank ."
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