Analysis of Efficiency, Competitiveness, and Ecosystem Development. D. Unmet Need for Specialized Financial Services High commission fees remain a significant barrier for new investors, and the mass market often receives generic, impersonal advice, while personalized financial planning is typically reserved for high-net-worth clients. This has value-added services today, there is demand for margin lending (rising from 32% current to 38% future state), wealth management (from 33% to 37%), tax planning (from 16% to 29%), and estate planning (from 5% to 11%). This highlights