数字化转型不是选择题，而是必答题，银行必须全面拥抱数字化。
Digital transformation is not an optional question but a required one; banks must fully embrace digitization.
众所周知，同样的环境可能以非常不同的方式影响不同的个体。
"In the world of investing, the ability to adapt is more important than the ability to predict."
人は、自分が思っている以上に強い。
The past is a puzzle, and we are all trying to piece it together.