Research Nester analysts suggested a change of strategy that there must be extensive measures to secure customers’ accounts and money. In fact, to boost further growth and profitability, digital banking could also be promoted as an additional service, where customers could pay a subscription that covered both the use of the associated services. Recurring revenue would be more valuable than one-time revenue as it would enhance customer loyalty. However, Research Nester consultants also analyzed that for the above business model to work the products should earn the trust of the users. The following strategies were suggested by RNPL analysts-