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!["Welcoming change rather than pushing against it and developing markets in general is the hardest hurdle for them [financial institutions] to overcome.” - Farhan](https://assets.theedgemarkets.com/DE9-Farhan-tem1451_20221208174036_theedgemarkets.jpg?p7WBtmd4uwkiJIt7lblQvfZZTjF_itbL)
!["Celebrity endorsements are still very useful, especially for renowned brands but, during the MCO [Movement Control Order] period, many SMEs were on the verge of collapse with the inability to operate their business. [And] for SMEs to seek out celebrities to market their products would be very costly, which they would not be able to afford.” - Cheng](https://assets.theedgemarkets.com/DE8-Cheng-tem1451_20221208175659_theedgemarkets.jpg?nL67m05EtVWkwWCuH55zg7RNOUokgJxl)
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