If a company has a high Loan-to-Value (LTV) ratio, the lender may impose ________ due to the increased default risk associated with the loan.

The Board-level Risk Management Committee (RMC) in a commercial bank primarily oversees which of the following functions?

A bank undergoes a total digital overhaul, adopting serverless cloud computing, voice-activated transactions, and automated credit scoring systems. However, it faces deepfake security breaches, FinTech data disputes, and regulatory audits due to algorithmic bias. Based on this scenario, what is the most critical lesson regarding rapid technology adoption?