The bank is tightening risks control according serious financial fraud, Own a banking account is significant difficult for ordinary folks.
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Due to serious financial fraud, the bank is tightening its risk control measures, making it significantly more difficult for ordinary people to open a bank account.

Banks are tightening risk control to prevent financial frauds which makes it much more difficult for ordinary people to open a bank account.

The bank is tightening the risk control according to(in accordance with) severe financial swindles ，which is hardly possible for the ordinary folks to open/have/own a banking account.

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