On January 14, the HKMA (HKMA) recently allowed digital banks to open physical branches, a move that Hong Kong's largest digital bank, ZA Bank, is considering to improve customer experience and transaction processes. The establishment of physical branches will enhance the competitiveness and customer trust of digital banks, promote financial inclusion, and accelerate the development of the industry. At the same time, the HKMA has also launched the "Distributed Ledger Technology Regulatory Incubator" program, which aims to help banks safely adopt blockchain technology.