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        <div class="text-3xl font-bold text-center mb-2">Conditionally Recommended</div>
        <div class="text-center text-sm opacity-75">The digital bank in KSA shows substantial market growth potential, supported by favorable economic and technological factors. However, significant financial, regulatory, and competitive challenges must be addressed effectively. A conditional &#39;GO&#39; is recommended, contingent upon securing necessary funding, establishing robust cybersecurity measures, and ensuring compliance with regulatory standards.</div>
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            <h3 class="text-lg font-bold text-gray-800">Viability Score</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
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            <div class="text-5xl font-bold text-emerald-500">78</div>
            <div class="text-xs text-gray-500 mt-1">/ 100</div>
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        <div class="flex items-center gap-3 mb-2">
            <span class="text-xs text-gray-500 w-24 text-left">Market</span>
            <div class="flex-1 bg-gray-200 rounded-full h-2.5 overflow-hidden">
                <div class="bg-emerald-500 h-2.5 rounded-full" style="width:85%"></div>
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            <span class="text-xs font-bold text-gray-600 w-10 text-right">85%</span>
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            <span class="text-xs text-gray-500 w-24 text-left">Financial</span>
            <div class="flex-1 bg-gray-200 rounded-full h-2.5 overflow-hidden">
                <div class="bg-emerald-500 h-2.5 rounded-full" style="width:75%"></div>
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            <span class="text-xs font-bold text-gray-600 w-10 text-right">75%</span>
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            <span class="text-xs text-gray-500 w-24 text-left">Competitive</span>
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                <div class="bg-emerald-500 h-2.5 rounded-full" style="width:75%"></div>
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            <span class="text-xs font-bold text-gray-600 w-10 text-right">75%</span>
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        <div class="flex items-center gap-3 mb-2">
            <span class="text-xs text-gray-500 w-24 text-left">Team Readiness</span>
            <div class="flex-1 bg-gray-200 rounded-full h-2.5 overflow-hidden">
                <div class="bg-emerald-500 h-2.5 rounded-full" style="width:70%"></div>
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            <span class="text-xs font-bold text-gray-600 w-10 text-right">70%</span>
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            <span class="text-xs text-gray-500 w-24 text-left">Innovation</span>
            <div class="flex-1 bg-gray-200 rounded-full h-2.5 overflow-hidden">
                <div class="bg-emerald-500 h-2.5 rounded-full" style="width:80%"></div>
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            <span class="text-xs font-bold text-gray-600 w-10 text-right">80%</span>
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            <h3 class="text-lg font-bold text-gray-800">Executive Summary</h3>
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            <p class='leading-relaxed'>The digital banking sector in Saudi Arabia is poised for significant growth, driven by technological advancements and government support under Vision 2030. The proposed digital bank aims to capture a substantial portion of this expanding market by targeting tech-savvy millennials, Generation Z, SMEs, and the unbanked population. With projected annual revenues reaching SAR 1.7 billion by 2028, this venture offers promising financial returns. However, the success hinges on overcoming regulatory hurdles, securing substantial initial capital, and differentiating from established competitors.

The financial analysis indicates a need for SAR 6 million in initial funding, with a break-even point anticipated within 24 months. The market&#39;s competitive landscape is challenging, with established players like STC Pay and Al Rajhi Bank holding significant market shares. Nonetheless, the digital bank&#39;s focus on leveraging modern technology for personalized services and cost efficiency represents a unique value proposition. Strategic execution of the go-to-market strategy and effective risk management are essential for achieving long-term success.</p>
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            <h3 class="text-lg font-bold text-gray-800">Project Description</h3>
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            <p class='leading-relaxed'>The project involves launching a digital bank in Saudi Arabia, targeting tech-savvy individuals, SMEs, and the unbanked population. The bank will offer seamless digital financial services, leveraging modern technology to enhance customer experience and operational efficiency.</p>
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            <h3 class="text-lg font-bold text-gray-800">Market Size (TAM/SAM/SOM)</h3>
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            <div class="text-xs font-mono text-blue-600 mb-1">TAM</div>
            <div class="font-bold text-blue-700 text-lg mb-1">50 billion SAR</div>
            <div class="text-xs text-gray-600">Total Addressable Market</div>
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            <div class="text-xs font-mono text-indigo-600 mb-1">SAM</div>
            <div class="font-bold text-indigo-700 text-lg mb-1">17 billion SAR</div>
            <div class="text-xs text-gray-600">Serviceable Available Market</div>
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            <div class="text-xs font-mono text-purple-600 mb-1">SOM</div>
            <div class="font-bold text-purple-700 text-lg mb-1">1.7 billion SAR</div>
            <div class="text-xs text-gray-600">Serviceable Obtainable Market</div>
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            <h3 class="text-lg font-bold text-gray-800">Market Analysis</h3>
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            <p class='leading-relaxed'>The digital banking market in Saudi Arabia is expected to grow significantly, with a projected market size of SAR 17 billion by 2028. The primary target segments include tech-savvy millennials, Generation Z, SMEs, and the unbanked population. There is a substantial shift towards digital banking due to increased smartphone penetration and government initiatives promoting non-cash transactions.</p>
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            <h3 class="text-lg font-bold text-gray-800">Financial Analysis</h3>
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            <p class='leading-relaxed mb-4'>The digital bank&#39;s revenue model includes interest income, transaction fees, and value-added services. Initial startup costs are estimated at SAR 5.25 million, with monthly operating costs of SAR 800,000. A break-even point is expected within 24 months, with positive cash flow projected from the second year onwards. Funding of SAR 6 million is required to ensure sufficient capital for launch and operations.</p><div class='grid grid-cols-2 md:grid-cols-4 gap-3'><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Startup Cost</div><div class='font-semibold text-gray-800'>5,250,000 SAR</div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Monthly Costs</div><div class='font-semibold text-gray-800'>800,000 SAR</div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Break Even</div><div class='font-semibold text-gray-800'>24 months</div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Revenue Potential</div><div class='font-semibold text-gray-800'>1.7 billion SAR annually by 2028</div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>ROI Estimate</div><div class='font-semibold text-gray-800'>Positive ROI expected from year 2</div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Year 1 Revenue</div><div class='font-semibold text-gray-800'>-2,000,000 SAR</div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Year 2 Revenue</div><div class='font-semibold text-gray-800'>1,500,000 SAR</div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Year 3 Revenue</div><div class='font-semibold text-gray-800'>4,000,000 SAR</div></div></div>
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            <h3 class="text-lg font-bold text-gray-800">Competitive Analysis</h3>
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            <p class='leading-relaxed'>The competitive landscape includes established players like STC Pay, Al Rajhi Bank, and SNB. These competitors have strong brand recognition and customer trust. However, their slower digital transformation presents an opportunity for the digital bank to differentiate through technology-driven services and enhanced customer experiences.</p>
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            <h3 class="text-lg font-bold text-gray-800">SWOT Analysis</h3>
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            <div class='grid grid-cols-1 md:grid-cols-2 gap-4'><div class='bg-green-50 p-4 rounded-lg border border-green-200'><h4 class='font-bold text-green-700 mb-2'>Strengths</h4><ul class='list-disc list-inside text-sm'><li class='py-1'>Innovative technology platform</li><li class='py-1'>Cost efficiency</li><li class='py-1'>Strong customer data insights</li></ul></div><div class='bg-red-50 p-4 rounded-lg border border-red-200'><h4 class='font-bold text-red-700 mb-2'>Weaknesses</h4><ul class='list-disc list-inside text-sm'><li class='py-1'>Limited brand recognition</li><li class='py-1'>Regulatory challenges</li></ul></div><div class='bg-blue-50 p-4 rounded-lg border border-blue-200'><h4 class='font-bold text-blue-700 mb-2'>Opportunities</h4><ul class='list-disc list-inside text-sm'><li class='py-1'>Expanding digital economy</li><li class='py-1'>Increasing demand for online financial services</li></ul></div><div class='bg-yellow-50 p-4 rounded-lg border border-yellow-200'><h4 class='font-bold text-yellow-700 mb-2'>Threats</h4><ul class='list-disc list-inside text-sm'><li class='py-1'>Aggressive competition</li><li class='py-1'>Potential regulatory changes</li><li class='py-1'>Cybersecurity risks</li></ul></div></div>
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            <h3 class="text-lg font-bold text-gray-800">PESTEL Analysis</h3>
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            <table class='w-full border rounded-lg overflow-hidden'><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/4'>Political</td><td class='py-2 px-3'>Government actively supports digital transformation in financial services.</td></tr><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/4'>Economic</td><td class='py-2 px-3'>Growing economy provides opportunities for financial services expansion.</td></tr><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/4'>Social</td><td class='py-2 px-3'>Young, tech-savvy population open to digital banking solutions.</td></tr><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/4'>Technological</td><td class='py-2 px-3'>Advancements in AI and mobile technology facilitate digital banking evolution.</td></tr><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/4'>Environmental</td><td class='py-2 px-3'>Low impact but increasing focus on sustainability could influence operations.</td></tr><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/4'>Legal</td><td class='py-2 px-3'>Strict financial regulations and compliance requirements in KSA.</td></tr></table>
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            <h3 class="text-lg font-bold text-gray-800">Porter&#39;s Five Forces</h3>
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            <table class='w-full border rounded-lg overflow-hidden'><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/3'>Threat of New Entrants</td><td class='py-2 px-3'>Moderate. Regulatory hurdles and capital requirements limit some entrants, but technology eases entry.</td></tr><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/3'>Supplier Power</td><td class='py-2 px-3'>Low. Digital banks typically rely on technology suppliers with high competition.</td></tr><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/3'>Buyer Power</td><td class='py-2 px-3'>High. Customers can easily switch between digital services.</td></tr><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/3'>Threat of Substitutes</td><td class='py-2 px-3'>Moderate. Traditional banks and fintech offer alternative solutions.</td></tr><tr class='border-b'><td class='py-2 px-3 font-medium bg-gray-50 w-1/3'>Industry Rivalry</td><td class='py-2 px-3'>High. Market is competitive with several established players and new fintech entrants.</td></tr></table>
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            <table class='w-full border rounded-lg overflow-hidden'><thead class='bg-gray-100'><tr><th class='py-2 px-2 text-xs'>Resource</th><th class='py-2 px-2 text-xs'>Valuable</th><th class='py-2 px-2 text-xs'>Rare</th><th class='py-2 px-2 text-xs'>Inimitable</th><th class='py-2 px-2 text-xs'>Organized</th><th class='py-2 px-2 text-xs'>Advantage</th></tr></thead><tbody><tr class='border-b'><td class='py-2 px-2 font-medium text-xs'>Technology infrastructure</td><td class='py-2 px-2 text-center text-emerald-600 text-xs'>✓</td><td class='py-2 px-2 text-center text-emerald-600 text-xs'>✓</td><td class='py-2 px-2 text-center text-red-600 text-xs'>✗</td><td class='py-2 px-2 text-center text-emerald-600 text-xs'>✓</td><td class='py-2 px-2 text-center'><span class='bg-yellow-100 text-yellow-700 text-xs px-2 py-0.5 rounded-full'>Temporary advantage</span></td></tr><tr class='border-b'><td class='py-2 px-2 font-medium text-xs'>Customer data insights</td><td class='py-2 px-2 text-center text-emerald-600 text-xs'>✓</td><td class='py-2 px-2 text-center text-emerald-600 text-xs'>✓</td><td class='py-2 px-2 text-center text-emerald-600 text-xs'>✓</td><td class='py-2 px-2 text-center text-emerald-600 text-xs'>✓</td><td class='py-2 px-2 text-center'><span class='bg-emerald-100 text-emerald-700 text-xs px-2 py-0.5 rounded-full'>Sustainable advantage</span></td></tr><tr class='border-b'><td class='py-2 px-2 font-medium text-xs'>Brand reputation</td><td class='py-2 px-2 text-center text-emerald-600 text-xs'>✓</td><td class='py-2 px-2 text-center text-red-600 text-xs'>✗</td><td class='py-2 px-2 text-center text-red-600 text-xs'>✗</td><td class='py-2 px-2 text-center text-emerald-600 text-xs'>✓</td><td class='py-2 px-2 text-center'><span class='bg-yellow-100 text-yellow-700 text-xs px-2 py-0.5 rounded-full'>Temporary advantage</span></td></tr></tbody></table>
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            <h3 class="text-lg font-bold text-gray-800">Business Model Canvas</h3>
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            <div class='grid grid-cols-1 md:grid-cols-3 gap-3'><div class='bg-blue-50 p-3 rounded-lg border border-blue-200'><div class='font-bold text-blue-700 text-xs mb-2 uppercase'>Key Partners</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Technology providers</li><li class='text-xs py-0.5'>Regulatory agencies</li><li class='text-xs py-0.5'>Financial service partners</li></ul></div><div class='bg-indigo-50 p-3 rounded-lg border border-indigo-200'><div class='font-bold text-indigo-700 text-xs mb-2 uppercase'>Key Activities</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Digital platform development</li><li class='text-xs py-0.5'>Customer service</li><li class='text-xs py-0.5'>Marketing and customer acquisition</li></ul></div><div class='bg-purple-50 p-3 rounded-lg border border-purple-200'><div class='font-bold text-purple-700 text-xs mb-2 uppercase'>Key Resources</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Technology infrastructure</li><li class='text-xs py-0.5'>Financial capital</li><li class='text-xs py-0.5'>Skilled workforce</li></ul></div><div class='bg-emerald-50 p-3 rounded-lg border border-emerald-200'><div class='font-bold text-emerald-700 text-xs mb-2 uppercase'>Value Propositions</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Seamless digital banking experience</li><li class='text-xs py-0.5'>Competitive fees</li><li class='text-xs py-0.5'>Innovative financial products</li></ul></div><div class='bg-teal-50 p-3 rounded-lg border border-teal-200'><div class='font-bold text-teal-700 text-xs mb-2 uppercase'>Customer Relationships</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Digital engagement</li><li class='text-xs py-0.5'>Personalized services</li><li class='text-xs py-0.5'>24/7 customer support</li></ul></div><div class='bg-cyan-50 p-3 rounded-lg border border-cyan-200'><div class='font-bold text-cyan-700 text-xs mb-2 uppercase'>Channels</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Mobile app</li><li class='text-xs py-0.5'>Website</li></ul></div><div class='bg-amber-50 p-3 rounded-lg border border-amber-200'><div class='font-bold text-amber-700 text-xs mb-2 uppercase'>Customer Segments</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Tech-savvy individuals</li><li class='text-xs py-0.5'>SMEs</li><li class='text-xs py-0.5'>Unbanked population</li></ul></div><div class='bg-red-50 p-3 rounded-lg border border-red-200'><div class='font-bold text-red-700 text-xs mb-2 uppercase'>Cost Structure</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Technology development</li><li class='text-xs py-0.5'>Marketing</li><li class='text-xs py-0.5'>Compliance and regulatory costs</li></ul></div><div class='bg-green-50 p-3 rounded-lg border border-green-200'><div class='font-bold text-green-700 text-xs mb-2 uppercase'>Revenue Streams</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Interest income</li><li class='text-xs py-0.5'>Transaction fees</li><li class='text-xs py-0.5'>Value-added services</li></ul></div></div>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Lean Canvas</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
        </button>
        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <div class='grid grid-cols-1 md:grid-cols-3 gap-3'><div class='bg-white p-3 rounded-lg border'><div class='font-bold text-gray-700 text-xs mb-2 uppercase'>Problem</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Limited digital banking options</li><li class='text-xs py-0.5'>High fees of traditional banks</li><li class='text-xs py-0.5'>Exclusion of unbanked population</li></ul></div><div class='bg-white p-3 rounded-lg border'><div class='font-bold text-gray-700 text-xs mb-2 uppercase'>Solution</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Seamless digital platform</li><li class='text-xs py-0.5'>Low-fee structure</li><li class='text-xs py-0.5'>Inclusive banking services</li></ul></div><div class='bg-white p-3 rounded-lg border'><div class='font-bold text-gray-700 text-xs mb-2 uppercase'>Unique Value Prop</div><p class='text-xs'>Tailored digital banking experience with competitive pricing</p></div><div class='bg-white p-3 rounded-lg border'><div class='font-bold text-gray-700 text-xs mb-2 uppercase'>Unfair Advantage</div><p class='text-xs'>Advanced data analytics for personalized services</p></div><div class='bg-white p-3 rounded-lg border'><div class='font-bold text-gray-700 text-xs mb-2 uppercase'>Customer Segments</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Tech-savvy individuals</li><li class='text-xs py-0.5'>SMEs</li><li class='text-xs py-0.5'>Unbanked population</li></ul></div><div class='bg-white p-3 rounded-lg border'><div class='font-bold text-gray-700 text-xs mb-2 uppercase'>Key Metrics</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Customer acquisition rate</li><li class='text-xs py-0.5'>User engagement</li><li class='text-xs py-0.5'>Revenue growth</li></ul></div><div class='bg-white p-3 rounded-lg border'><div class='font-bold text-gray-700 text-xs mb-2 uppercase'>Channels</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Mobile app</li><li class='text-xs py-0.5'>Website</li></ul></div><div class='bg-white p-3 rounded-lg border'><div class='font-bold text-gray-700 text-xs mb-2 uppercase'>Cost Structure</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Technology development</li><li class='text-xs py-0.5'>Marketing</li><li class='text-xs py-0.5'>Compliance</li></ul></div><div class='bg-white p-3 rounded-lg border'><div class='font-bold text-gray-700 text-xs mb-2 uppercase'>Revenue Streams</div><ul class='list-disc list-inside'><li class='text-xs py-0.5'>Interest income</li><li class='text-xs py-0.5'>Transaction fees</li><li class='text-xs py-0.5'>Value-added services</li></ul></div></div>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Go-to-Market Strategy</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
        </button>
        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <div class='space-y-3 mb-4'><div class='bg-blue-50 p-4 rounded-lg border border-blue-200'><div class='font-bold text-blue-700 text-sm mb-1'>Phase 1</div><p class='text-xs text-gray-600'>Launch digital banking platform with core features.</p></div><div class='bg-indigo-50 p-4 rounded-lg border border-indigo-200'><div class='font-bold text-indigo-700 text-sm mb-1'>Phase 2</div><p class='text-xs text-gray-600'>Expand customer base through targeted marketing campaigns.</p></div><div class='bg-purple-50 p-4 rounded-lg border border-purple-200'><div class='font-bold text-purple-700 text-sm mb-1'>Phase 3</div><p class='text-xs text-gray-600'>Introduce additional financial products and services.</p></div></div><p class='text-sm mb-2'><strong>Pricing:</strong> Competitive fees with introductory offers.</p><div class='mt-2'><strong class='text-sm'>Distribution:</strong><div class='mt-1'><span class='inline-block bg-blue-100 text-blue-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Mobile app</span><span class='inline-block bg-blue-100 text-blue-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Website</span></div></div>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">MVP Definition</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
        </button>
        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <div class='mb-3'><div class='font-bold text-sm mb-1'>Core Features</div><ul><li class='py-0.5 flex items-start gap-2'><span class='text-emerald-500'>&#10003;</span><span class='text-sm'>Mobile banking app</span></li><li class='py-0.5 flex items-start gap-2'><span class='text-emerald-500'>&#10003;</span><span class='text-sm'>Online account management</span></li><li class='py-0.5 flex items-start gap-2'><span class='text-emerald-500'>&#10003;</span><span class='text-sm'>Instant transactions</span></li></ul></div><div class='mb-3'><div class='font-bold text-sm mb-1'>Nice to Have</div><ul><li class='py-0.5 flex items-start gap-2'><span class='text-gray-400'>&#9675;</span><span class='text-sm'>Financial planning tools</span></li><li class='py-0.5 flex items-start gap-2'><span class='text-gray-400'>&#9675;</span><span class='text-sm'>Investment options</span></li></ul></div><div class='flex gap-4 mt-3'><div class='bg-white p-3 rounded-lg border flex-1'><div class='text-xs text-gray-500'>Timeline</div><div class='font-bold text-gray-800'>6 months</div></div><div class='bg-white p-3 rounded-lg border flex-1'><div class='text-xs text-gray-500'>Cost</div><div class='font-bold text-gray-800'>1,000,000 SAR</div></div></div>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Target Audience</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
        </button>
        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <div class='grid grid-cols-1 md:grid-cols-2 gap-4'><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='font-bold mb-1'>Tech-Savvy Millennial</div><p class='text-sm text-gray-600 mb-2'>Urban professionals seeking seamless banking experiences with integrated tech solutions.</p><div><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Instant transactions</span><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Mobile banking apps</span><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Financial management tools</span></div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='font-bold mb-1'>Generation Z Student</div><p class='text-sm text-gray-600 mb-2'>University students accustomed to digital solutions in all aspects of life.</p><div><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>User-friendly interfaces</span><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Educational financial content</span><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Small savings accounts</span></div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='font-bold mb-1'>SME Owner</div><p class='text-sm text-gray-600 mb-2'>Entrepreneurs needing efficient banking services that reduce operational costs.</p><div><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Easy account management</span><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Business loans</span><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Streamlined payment systems</span></div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='font-bold mb-1'>Unbanked Individual</div><p class='text-sm text-gray-600 mb-2'>Individuals previously excluded from traditional banking systems.</p><div><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Access to basic banking services</span><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Financial inclusion</span><span class='inline-block bg-indigo-100 text-indigo-700 text-xs px-2 py-1 rounded-full mr-1 mb-1'>Low-cost accounts</span></div></div></div>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Marketing Strategy</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
        </button>
        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <p class='leading-relaxed mb-3'><strong>Positioning:</strong> The leading digital bank offering seamless and accessible financial solutions.</p><p class='leading-relaxed mb-3'><strong>Branding:</strong> Modern, inclusive, and tech-focused brand identity.</p><div class='mb-3'><strong>Channels:</strong><div class='mt-1'><span class='inline-block bg-blue-100 text-blue-700 text-xs px-3 py-1 rounded-full mr-1 mb-1'>Social media</span><span class='inline-block bg-blue-100 text-blue-700 text-xs px-3 py-1 rounded-full mr-1 mb-1'>Online advertising</span><span class='inline-block bg-blue-100 text-blue-700 text-xs px-3 py-1 rounded-full mr-1 mb-1'>Influencer partnerships</span></div></div><div><strong>Slogan Ideas:</strong><ul class='list-disc list-inside mt-1'><li class='italic text-gray-700'>"Banking Made Easy"</li><li class='italic text-gray-700'>"Your Future, Your Bank"</li></ul></div>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Startup Cost Breakdown</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
        </button>
        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <table class='w-full border rounded-lg overflow-hidden'><thead class='bg-gray-100'><tr><th class='py-2 px-3 text-left'>Item</th><th class='py-2 px-3 text-right'>Cost</th></tr></thead><tbody><tr class='border-b'><td class='py-2 px-3 text-sm'>Office lease deposit</td><td class='py-2 px-3 text-sm font-semibold text-right'>150,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Office furniture &amp; fixtures</td><td class='py-2 px-3 text-sm font-semibold text-right'>200,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Computers and IT equipment</td><td class='py-2 px-3 text-sm font-semibold text-right'>400,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Renovation &amp; interior design</td><td class='py-2 px-3 text-sm font-semibold text-right'>300,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Licenses &amp; government permits</td><td class='py-2 px-3 text-sm font-semibold text-right'>500,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Legal &amp; company registration fees</td><td class='py-2 px-3 text-sm font-semibold text-right'>100,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Insurance premiums</td><td class='py-2 px-3 text-sm font-semibold text-right'>100,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Initial branding &amp; logo design</td><td class='py-2 px-3 text-sm font-semibold text-right'>50,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Website &amp; app development</td><td class='py-2 px-3 text-sm font-semibold text-right'>1,000,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Initial marketing &amp; launch campaign</td><td class='py-2 px-3 text-sm font-semibold text-right'>500,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Recruitment &amp; training costs</td><td class='py-2 px-3 text-sm font-semibold text-right'>150,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Working capital reserve (6 months)</td><td class='py-2 px-3 text-sm font-semibold text-right'>1,500,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Utilities setup (electricity, internet, phone)</td><td class='py-2 px-3 text-sm font-semibold text-right'>100,000 SAR</td></tr><tr class='bg-gray-100 font-bold'><td class='py-2 px-3'>Total</td><td class='py-2 px-3 text-right'>5,250,000 SAR</td></tr></tbody></table>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Monthly Operating Costs</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
        </button>
        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <table class='w-full border rounded-lg overflow-hidden'><thead class='bg-gray-100'><tr><th class='py-2 px-3 text-left'>Item</th><th class='py-2 px-3 text-right'>Monthly Cost</th></tr></thead><tbody><tr class='border-b'><td class='py-2 px-3 text-sm'>Rent</td><td class='py-2 px-3 text-sm font-semibold text-right'>50,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Salaries &amp; wages</td><td class='py-2 px-3 text-sm font-semibold text-right'>500,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Utilities</td><td class='py-2 px-3 text-sm font-semibold text-right'>30,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Marketing &amp; advertising</td><td class='py-2 px-3 text-sm font-semibold text-right'>50,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Insurance</td><td class='py-2 px-3 text-sm font-semibold text-right'>25,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Maintenance</td><td class='py-2 px-3 text-sm font-semibold text-right'>20,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Accounting &amp; legal</td><td class='py-2 px-3 text-sm font-semibold text-right'>25,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Supplies</td><td class='py-2 px-3 text-sm font-semibold text-right'>20,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Software subscriptions</td><td class='py-2 px-3 text-sm font-semibold text-right'>50,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Transportation</td><td class='py-2 px-3 text-sm font-semibold text-right'>20,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Miscellaneous</td><td class='py-2 px-3 text-sm font-semibold text-right'>10,000 SAR</td></tr><tr class='bg-gray-100 font-bold'><td class='py-2 px-3'>Monthly Total</td><td class='py-2 px-3 text-right'>800,000 SAR</td></tr></tbody></table>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Staffing Plan</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
        </button>
        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <table class='w-full border rounded-lg overflow-hidden'><thead class='bg-gray-100'><tr><th class='py-2 px-3 text-left'>Role</th><th class='py-2 px-3 text-center'>Count</th><th class='py-2 px-3 text-right'>Monthly Salary</th></tr></thead><tbody><tr class='border-b'><td class='py-2 px-3 text-sm'>CEO</td><td class='py-2 px-3 text-sm text-center'>1</td><td class='py-2 px-3 text-sm font-semibold text-right'>50,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>CTO</td><td class='py-2 px-3 text-sm text-center'>1</td><td class='py-2 px-3 text-sm font-semibold text-right'>45,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>CFO</td><td class='py-2 px-3 text-sm text-center'>1</td><td class='py-2 px-3 text-sm font-semibold text-right'>45,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Software Developers</td><td class='py-2 px-3 text-sm text-center'>5</td><td class='py-2 px-3 text-sm font-semibold text-right'>20,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Marketing Manager</td><td class='py-2 px-3 text-sm text-center'>1</td><td class='py-2 px-3 text-sm font-semibold text-right'>25,000 SAR</td></tr><tr class='border-b'><td class='py-2 px-3 text-sm'>Customer Service Representatives</td><td class='py-2 px-3 text-sm text-center'>10</td><td class='py-2 px-3 text-sm font-semibold text-right'>15,000 SAR</td></tr><tr class='bg-gray-100 font-bold'><td class='py-2 px-3'>Total</td><td class='py-2 px-3 text-center'>19</td><td class='py-2 px-3 text-right'>—</td></tr></tbody></table>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Revenue Streams</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
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        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <div class='grid grid-cols-1 md:grid-cols-2 gap-3'><div class='bg-blue-50 p-4 rounded-lg border border-blue-200'><div class='flex justify-between'><span class='font-bold text-blue-700 text-sm'>Interest income</span><span class='bg-blue-100 text-blue-700 text-xs px-2 py-0.5 rounded-full'>60%</span></div><p class='text-xs text-gray-600 mt-1'>Revenue from loans and credit products.</p></div><div class='bg-indigo-50 p-4 rounded-lg border border-indigo-200'><div class='flex justify-between'><span class='font-bold text-indigo-700 text-sm'>Transaction fees</span><span class='bg-indigo-100 text-indigo-700 text-xs px-2 py-0.5 rounded-full'>30%</span></div><p class='text-xs text-gray-600 mt-1'>Fees from transactions and account maintenance.</p></div><div class='bg-purple-50 p-4 rounded-lg border border-purple-200'><div class='flex justify-between'><span class='font-bold text-purple-700 text-sm'>Value-added services</span><span class='bg-purple-100 text-purple-700 text-xs px-2 py-0.5 rounded-full'>10%</span></div><p class='text-xs text-gray-600 mt-1'>Additional financial services offered to customers.</p></div></div>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Industry Benchmarks</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
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        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <div class='grid grid-cols-2 md:grid-cols-4 gap-3'><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Industry</div><div class='font-semibold text-gray-800'>Banking and Financial Services</div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Avg. Margin</div><div class='font-semibold text-gray-800'>20%</div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Avg. Growth</div><div class='font-semibold text-gray-800'>8%</div></div><div class='bg-white p-4 rounded-lg shadow-sm border'><div class='text-xs text-gray-500 mb-1'>Market Size</div><div class='font-semibold text-gray-800'>50 billion SAR</div></div></div><p class='leading-relaxed mt-4 text-sm'>The digital banking segment is expected to outpace traditional banking growth due to increasing demand for online services.</p>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Unique Selling Proposition</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
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        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <div class='p-4 bg-indigo-50 rounded-lg border border-indigo-200'><p class='text-lg font-semibold text-indigo-700'>The digital bank offers a seamless, tech-driven banking experience with competitive pricing and personalized services tailored to the needs of a digital-native population.</p></div>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Risks &amp; Mitigations</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
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        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <table class='w-full border rounded-lg overflow-hidden'><thead class='bg-gray-100'><tr><th class='py-2 px-3 text-left'>Risk</th><th class='py-2 px-3'>Severity</th><th class='py-2 px-3 text-left'>Mitigation</th></tr></thead><tbody><tr class='border-b'><td class='py-2 px-3'>Regulatory compliance challenges</td><td class='py-2 px-3 text-center'><span class='bg-red-100 text-red-700 text-xs px-2 py-1 rounded-full'>High</span></td><td class='py-2 px-3'>Engage legal experts to ensure full compliance with KSA regulations.</td></tr><tr class='border-b'><td class='py-2 px-3'>Cybersecurity threats</td><td class='py-2 px-3 text-center'><span class='bg-red-100 text-red-700 text-xs px-2 py-1 rounded-full'>High</span></td><td class='py-2 px-3'>Implement robust security protocols and regular system audits.</td></tr><tr class='border-b'><td class='py-2 px-3'>Competition from established banks</td><td class='py-2 px-3 text-center'><span class='bg-yellow-100 text-yellow-700 text-xs px-2 py-1 rounded-full'>Medium</span></td><td class='py-2 px-3'>Differentiate through superior technology and customer experience.</td></tr><tr class='border-b'><td class='py-2 px-3'>Customer acquisition and retention</td><td class='py-2 px-3 text-center'><span class='bg-yellow-100 text-yellow-700 text-xs px-2 py-1 rounded-full'>Medium</span></td><td class='py-2 px-3'>Offer competitive fees and robust customer support.</td></tr></tbody></table>
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    <div class="report-section mb-6" x-data="{ open: true }">
        <button @click="open = !open" class="w-full flex items-center justify-between p-4 bg-white rounded-lg shadow-sm border hover:bg-gray-50 transition">
            <h3 class="text-lg font-bold text-gray-800">Recommendations</h3>
            <svg class="w-5 h-5 transform transition-transform" :class="{ 'rotate-180': open }" fill="none" stroke="currentColor" viewBox="0 0 24 24"><path stroke-linecap="round" stroke-linejoin="round" stroke-width="2" d="M19 9l-7 7-7-7"/></svg>
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        <div x-show="open" x-transition class="p-4 bg-white border border-t-0 rounded-b-lg">
            <ul class='space-y-1'><li class='py-1 flex items-start gap-2'><span class='text-indigo-500 mt-1'>&#10003;</span><span>Secure necessary funding and establish a financial safety net.</span></li><li class='py-1 flex items-start gap-2'><span class='text-indigo-500 mt-1'>&#10003;</span><span>Implement advanced cybersecurity measures.</span></li><li class='py-1 flex items-start gap-2'><span class='text-indigo-500 mt-1'>&#10003;</span><span>Ensure compliance with local banking regulations.</span></li><li class='py-1 flex items-start gap-2'><span class='text-indigo-500 mt-1'>&#10003;</span><span>Focus on building a strong brand identity and customer trust.</span></li></ul>
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        <div class="mt-8 p-6 bg-gradient-to-r from-indigo-500 to-purple-600 rounded-xl text-white">
            <h3 class="text-xl font-bold mb-3">Final Verdict</h3>
            <p class="leading-relaxed">The digital bank in KSA has strong potential for success in a rapidly growing market. While the financial and competitive challenges are significant, the venture&#39;s focus on leveraging modern technology and addressing the unmet needs of tech-savvy consumers provides a compelling opportunity. Proceeding with this venture is recommended, contingent upon securing adequate funding, ensuring regulatory compliance, and establishing strong cybersecurity measures.</p>
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    <div class="mt-6 text-center text-sm text-gray-500">
        Confidence Score: <span class="font-bold text-indigo-600">78%</span>
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