True and false in my oppinion. Mandatory developments, impositions of central banks, national vat's, auditings and bussiness as usual is seen as a cost. You mu

True and false in my oppinion. Mandatory developments, impositions of central banks, national vat's, auditings and bussiness as usual is seen as a cost. You must do this developments. These are fixed costs and banks tend to minimize them. New products that inovate/diferentiate one bank from another are seen as strategic and costs are seen diferently. What banks optimize in the fixed costs, banks spend in the proof of concepts.