write me an essay with this scenario with management theory and references " I am a director of money wiring company from Australia to overseas mainly in East Africa. We do collect the money from our clients here in Australia and we pay their beneficiaries in overseas through our paying agents in the designated countries. To facilitate the money wiring transactions, we set up the flowing steps. First the client should come our branches for identity verification and registration then the client can do transaction with us, if the same customer wants to do another transaction for another day we verify only by phone and pays funds through our Bank Account, customer does not need to visit again to the branch. We have been operating our business as we planned for the last 8 years till 2019 when COVID19 pandemic broke out, the pandemic has erupted our business and almost made it shutdown, customers can not come the branches and our employee cannot leave from home due to the COVID19 restriction. father more most of our clients are non-oriented technology people because of either they are elderly, or they are new immigrants who does not speak English. We considered the possibility of offering remote services online, but we recognized that doing so would require compliance with government regulations enforced by the Australian Transaction and Analysis Centre (AUSTRAC). Specifically, we needed to address the challenge of identity verification. To meet this requirement, we entered in