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Commonwealth Bank of Australia has said the following about digital banks:
"Often described as challenger banks or neo-banks (see below), digital banks are viewed as "next-generation" innovative institutions that will or increasingly are taking on the traditional, incumbent banks which provide a wide-range of services and products through different channels such as 'bricks and mortar' branches, call centres and online platforms."
Critique the Commonwealth Bank of Australia statement by answering the following question.
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