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  • Telefónica's digital banking and credit initiatives
  • Changing industry trends have created new opportunities along with increased competition for digital banking services

Figure ##: Selected examples of new digital banking services, and the lessons that operators can derive from them Appendix: Emerging digital challenger banks, key lessons for operators Notes ##.

  • Online Banking
  • Fidor Bank AG
  • Movistar
  • Telefónica, S.A.
  • Telenor Group