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Firstly, there's *competition*. The Indonesian banking sector is crowded and competitive. AGRO faces competition from both traditional banks and FinTech companies. It must continue to innovate and differentiate itself to remain competitive. This means that AGRO needs to continually improve its products and services and offer a compelling value proposition to attract and retain customers. This also means understanding your customers' needs and always striving to meet those needs better than the competition. The digital banking space, in particular, is witnessing a surge in new players, intensifying the competition for AGRO. If they can't keep up with their competitors, they will lose out on market share.
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