Which of the following is reducing banking challenges in$$ Africa?

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Part $1$

A$.$

Restrictions on foreign banks in Africa have reduced competition.

B$.$

Restrictions on foreign banks have delayed the development of local banks in Africa.

C$.$

Bill payments must be made via traditional banks.

D$.$

Mobile banking is in decline.

E$.$

Strong competition from foreign banks has forced local banks to be more innovative.