1. A digital banking partnership between Axiata and RHB Bank would be highly synergistic for both players as well as deepening and broadening their reach across multiple payment channels. 2. The well-established mobile banking sector will benefit from a more sophisticated product mix should other telco-bank partnerships apply for licences. 3. While Axiata and RHB Bank will benefit from first-mover advantages, the market is likely to become very competitive very quickly and all players should be prepared to continually adjust business models and strategies to meet customers' needs.
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