在既不增设分支机构，也不增加分销网络人力资源的情况下，印尼宝石银行 （PermataBank）仅用了三年时间使新客户获得率翻了三倍。在2019年，新 API的使用是推动快速增长的主要因素，其贡献率达到72%
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