Explanation:

- Changing consumer behaviour in favour of digitisation: Consumers are increasingly expecting convenient and fast banking services, driving banks to adopt digital solutions to meet these demands.

- Financial inclusion and government initiatives: Many governments are promoting financial inclusion through digital banking services to provide access to financial systems for underserved populations.

- Leveraging increased smartphone usage and mobile penetration: The widespread use of smartphones and increased mobile internet penetration enable banks to offer mobile banking services, reaching a larger customer base efficiently.

- All of the above: All these factors collectively contribute to digitisation in banking as they align with broader trends of technological advancement and consumer expectations.

Correct Answer: All of the above