QB Desktop 2020 has outdated and they have disabled the bank feed feature. You can download .qbo files from your bank BUT you can't import directly into your QB Desktop. If your bank provides *.csv files, you will need to use a 3rd party tool to import it into QB Desktop. It's a $199 one time license and you can get $100 cashback to purchase the license from a partner.
https://get.transactionpro.com/qbd

If you prefer to use the bank feed feature, you should contact @Fiat Lux - ASIA and they will share another option to consider.