Since its launch in 2020, the virtual banking sector in Hong Kong has reached an important milestone. The CEO of ZA Bank, Wu Zhonghao, stated that the bank has benefited from operational efficiencies due to the expansion of its customer base and the success of its business strategy adjustments, moving away from relying solely on high-interest savings to attract customers. This led to the bank achieving a monthly profit in July, marking ZA Bank as the first virtual bank in Hong Kong to successfully achieve monthly profitability. Despite uncertainties in the market outlook, Wu Zhonghao remains optimistic about maintaining profitability in the second half of the year and is confident in achieving long-term sustainable profitability goals.