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The APAC Cash, Trade and FI Report Key Findings


The transaction banking business continues to be buffeted by change. For instance, the increasing adoption of open banking and open APIs is transforming banks’ and financial institutions’’ fundamental technology and operations architecture.

The emergence of new technologies, the entry of new players and the increasingly onerous regulatory compliance requirements are forcing banks to continually adopt to the ever evolving and challenging environment. Banks are also grappling with increased risks and threats from technologically sophisticated criminals in the cyber world. Stiff competition, heightened security needs and changing customer expectations are creating the drive for change and innovation. Many banks and practitioners are re-evaluating their strategies and organisations, technologies and operations, as well as customer relationships to ensure the sustainability of their businesses.

Corporates increasingly rely on electronic channels for conducting basic as well as advanced transactions. Reporting, forecasting and simulation for trade services and the need to integrate different transaction banking products have fundamentally changed the rules of the game. There is a need to offer innovative trade finance (TF) client offerings through blockchain, delivery of end-to-end, tailor-made solutions and external partnerships with emerging players.

Meanwhile, the nature and structure of cash management services has continuously evolved with the proliferation of new digital innovations such as APIs, distributed ledger technology etc. Thechanging role of corporate treasury from basic cash management functions to more complex and centralised functions have driven banks to offer products that are designed to enable greater automation and efficiency.

The rapid pace of digitalisation and growing market pressure for fast and transparent cross-border transactions have led payments to undergo significant infrastructure modernisation. New emerging players have increased the pace of disruption to capture parts of payment value chain. Given the movement to harmonise national payment systems across the region, the focus has shifted to address the cost of international payments and offer speed, reliability and traceability for the corporate users to improve overall experience.

Discussion Agenda:
  • Growth of domestic real-time payment systems
  • The future of crossborder ‘real-time’ payments
  • The uptake of SWIFT’s global payments innovation (gpi)
  • Changing role of corporate treasury
  • Corporates increasingly rely on electronic channels
  • Digitalisation in trade



Siddharth Chandani

is a Research Analyst for The Asian Banker, responsible for researching themes in the transaction banking vertical, where he covers and writes on key trends in cash management, trade finance and payments. He previously served as an Associate at S&P Global, Mumbai, where he supported macroeconomic research for the Asia Economics team. He holds a Master’s Degree in Economics from the National University of Singapore


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