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In the next five years, middle-aged and elderly customers will become the main service providers of bank branches, while the younger customer group will gradually benefit from the transfer of financial technology to online services. During the epidemic, many customers who were originally accustomed to handling business at branches actively or passively received education to handle business through electronic channels. After the epidemic, a group of customers who are accustomed to using electronic channels will increase. To protect user rights and interests, the China Banking Regulatory Commission requires that online channels undergo "dual recording" management.