Research Note Feb 22 Australia focused on sustaining growth in 2015 The asset quality of Australian banks showed steady improvement in 2014, along with a reduction in banks’ domes... 2036
Co-published Feb 22 Striving for enhanced customer service and customer satisfaction The retail banking market in the Sultanate of Oman has been undergoing rapid changes in recent years, with local banks coming under pressure to con... 1940
Research Note Feb 22 Indonesia: Bank Central Asia and Bank Mandiri—Spurring retail loans and exploring digital lending Macroeconomic situation in Indonesia Indonesia encountered its weakest year in 2014 amid an unstable world economy. Compar... 7172
Research Note Feb 22 Hong Kong banks: increasing retail operations under a tighter regulatory regime Industry picture Retail banking in Hong Kong has displayed strength in a relative... 5727
Research Note Feb 22 Remittances to Asia Pacific slowing down In the Asia Pacific region, total inward remittances amounted to more than $240 billion in 2014, a 6% increase from 2013. This represented a compou... 2721
News Analysis Feb 22 Can the single resolution mechanism ensure Europe’s financial stability? The European Union started 2016 with optimism as the Single Resolution Mechanism (SRM) came on stream on January 1, 2016, which will implement a sy... 3028
Research Note Feb 22 Retail banking in the United Arab Emirates: Evolving and already competitive The banking industry in the United Arab Emirates (UAE) is moving towards recovery from the economic slowdown of p... 3898
Interviews Feb 22 Interview: “Establishing a business with FDI is what we want to grow” In the Philippines, there is a popular negotiation among buyers and sellers called “tingi’, which is the opposite of bulk sales. Think shampoos... 3065
News Analysis Feb 22 As China slows down, where would its next round of growth come from? In 1978, China opened up to the world, as the Communist Party slowly adopted a market economy. The economy steadily grew, rapidly picking up pace t... 2205
Research Note Feb 22 Retail payment trends in Asia Pacific Technological advances are changing the retail payment landscape significantly. Continuous retail payment innovat... 5765
Research Note Feb 22 The way forward for collaborating with non-banks The Egyptian retail banking sector is a largely untapped market, with over 53 million of the population unbanked ... 2829
Research Note Feb 22 Focus on integrated solutions and regional capabilities The transaction banking business in the Middle East and Africa (MEA) region is being transformed by an increased focus by financial institutions to... 3381
Research Note Feb 22 Sands of Change Core to the optimism is the favorable growth in trade, especially with Asia, which according to Monetary Authority of Singapore, expanded five-fold... 3191
Research Note Feb 22 The problem is not adoption but use of technology According to the Saudi Arabia Monetary Authority Financial Stability Report 2015 (the report), banks in Saudi Arabia comprise the largest segment o... 2635
Interviews Feb 22 Interview: “Trade is the fundamental premise of Islamic Banking” Islamic Banking continues to make significant strides in the Middle East and North Africa (MENA) region as it outpaces growth compared with its con... 2793
Interviews Feb 22 Interview: “We’re more of a customer-driven wholesale bank that acquires and distributes” There has been enormous change within National Bank of Abu Dhabi (NBAD). New people have been hired for its bonds and syndication businesses so tha... 2607
Research Note Feb 22 Democratisation of banking services puts focus on relationships over products West Africa’s retail banking industry is growing at a rapid pace, with growing competition in the once under-served retail banking and SME spaces... 3170
Research Note Feb 22 East and West African banks close gap with regional industry leaders in South Africa Within Africa, the South African banking sector has long been viewed as benchmark setters for industry best practice within the continent. However,... 3422
Interviews Feb 22 Interview: “We’re businessmen and entrepreneurs at heart” Chief executive officer of Mashreq Bank, chairman of the UAE Banks Federation and business owner, His Excellency Abdul Aziz Al Ghurair views himsel... 1953
Research Note Feb 22 Proactive—The new buzzword in the transformation at the Central Bank of the United Arab Emirates Multiple government institutions are restrategising and taking proactive measures for the future. Combined with de-risking, dollar clearing, and an... 4188
Interviews Feb 22 Interview Transcript: “Banks cannot compete with P2P unless they are digital banks" Emmanuel Daniel (ED): As purveyor of all that is happening in the fintech space around the world, you collect all of that insight in terms ... 3312
Interviews Feb 22 Interview Transcript: “The finance industry has created an environment so complex and beyond their cleverness to run” Emmanuel Daniel (ED): I'm very pleased to be able to speak to John Kay, economics commentator, professor, and someone who’s worked very c... 2710
News Analysis Feb 22 Half successful and half failed: The $1 billion cyber hacking attempt on Bangladesh Bank It is now being regarded as the world’s biggest attempted cyber heist on just one financial institution. An attempt to hack $1 billion from Bangl... 5612
Interviews Feb 22 Interview: "The fintech ecosystem in London is collaborative and powerful” The UK is one of the fastest growing regions for fintech investment. According to UK Trade and Investment (UKTI), fintech deal volumes have been gr... 3294
Opinions Feb 22 Innovation the “regulatory sandbox” way In June 2015, Ravi Menon, head of the Monetary Authority of Singapore (MAS), was first to suggest “Innovation in a sandbox” as an a... 3967
Interviews Feb 22 Interview: "The GCC region is faring better than any other region in the dollar clearing business" Emmanuel Daniel (ED): There is a lot of interest from the international community in the way the UAE is responding to the global economic c... 2641
Research Note Feb 22 Crowdlending tries to make its mark in Asia Pacific New developments in financial technology, the improved availability of public personal information, better internet bandwidth, minimal regulations,... 4657
Opinions Feb 22 Mobile is transforming the money culture and lives in Bangladesh The wide use of mobile phones, even among the world’s most financially disadvantaged, makes mobile money a viable alternative to physical currenc... 3771
Interviews Feb 22 Interview: “Nobody is too big to fail” The Asian Banker (TAB): How do you see the banking sector today compared to the pre-Lehman days in terms of size and overall stability? Bar... 2938
Interviews Feb 22 Interview: “Transparency is key in fintech credibility” Emmanuel Daniel, The Asian Banker (ED): I’ve been speaking to fintech originators and the entrepreneur community that has been building t... 4667
Opinions Feb 22 From fintech to techfin: data is the new oil When I arrived in Hong Kong slightly over a year ago to build a fintech accelerator, I knew three things. First, inspire my generation to j... 5047
Research Note Feb 22 Vietnam banks: Putting their money in retail banking and technology Vietnam’s banking sector suffers from problems of inefficiency, undercapitalisation, and increasing cross-ownership among banks, all of which hav... 9939
Interviews Feb 22 Interview: “Dodd–Frank is not designed to prevent failure in all occasions” On January 5, 2010, the United States Congress passed a landmark legislation that ended the era of government bailouts. The Dodd–Frank Wall Stree... 2712
News Analysis Feb 22 David Li of The Bank of East Asia receives Leadership Lifetime Achievement Award 2016 David K.P. Li received The William “Bill” Seidman Awards for Lifetime Achievement in Leadership in the Financial Services Industry for 2016, w... 4317
News Analysis Feb 22 Reserve Bank of India named Regulatory Institution of the Year in Asia Pacific 2016 Reserve Bank of India recognised for bold and innovative measures to improving financial inclusion and addressing banking sector asset... 3995
News Analysis Feb 22 Susan Hwee of United Overseas Bank awarded for Bank Technology Leadership Achievement for 2016 Susan Hwee, Head of Group Technology and Operations, United Overseas Bank (UOB), received the award for Bank Technology Leadership Achievement for ... 4509
Interviews Feb 22 Interview: “If you get the service right, everything will fall into place" Joining Abu Dhabi Commercial Bank (ADCB) in 2004, Ala'a Eraiqat saw a huge opportunity within ADCB after having left a career in an international b... 3592
Research Note Feb 22 Is consumer finance becoming a larger part of retail banking? In the Asia Pacific region, the consumer finance business varies widely across countries. Among the markets cover... 7401
Interviews Feb 22 Interview Transcript: “The finance industry has created an environment so complex and beyond their cleverness to run” Emmanuel Daniel (ED): I'm very pleased to be able to speak to John Kay, economics commentator, professor, and someone who’s worked very c... 674
Interviews Feb 22 Interview Transcript: "We need to keep investing in technology and people driving technology" Emmanuel Daniel (ED): I am very pleased to speak today with Osama Al Rahma, chairman of the Foreign Exchange and Remittance Group, a centra... 3229
TABLive Feb 22 TAB Live on Brexit: London will not lose its financial significance The British vote to leave the European Union has left the global market in a frenzy. Uncertainty has been dubbed ... 4132
Research Note Feb 22 From building digital capabilities to digital transformation Banks have embarked on a digitisation of products and services to reduce their operating costs... 4408
Research Note Feb 22 China upgrades payments infrastructure to support growth in retail consumption The People's Bank of China has played a dominant role in cons... 6067
Research Note Feb 22 Increasing credit card usage opens opportunities for Chinese banks China's credit card sector is becomi... 3456
Research Note Feb 22 Brexit and weaker economic growth hit HSBC's performance Heightened uncertainty after Brexit, higher regulatory costs, and lower consumer spending and investments ... 3785
Interviews Feb 22 Interview: “It is important for the bank to expand beyond Beijing” Yan Bing Zhu, chairman of Bank of Beijing, traces how the bank has emerged as one of the leading SME and consumer banks in China 4008
Interviews Feb 22 Interview Transcript: "We have to transform ourselves from being a traditional bank" Hong Qi said CMB's large base of SME clients provides the bank with insights into the operations of SMEs ... 2977
News Analysis Feb 22 Broad brush or targeted digital marketing: How much is too much? P&G have decided to complement targeted social media marketing with more broad based tactics Leading banks have been adopting ... 4071
Research Note Feb 22 Shinhan Bank’s full service biometric-enabled digital kiosks to takeover role of its branches Shinhan Bank has sought to improve digitisation, automation, and self-service capability by launching a fu... 4529
Research Note Feb 22 Basel II: The precursor of an integrated risk management framework for Vietnamese banks Vietnamese banks are almost Basel II-compliant with the State Bank of Vietnam (SBV) instructing 10 banks to complete pilot practice by 2018<... 7359
Research Note Feb 22 Real-time retail payments and ISO 20022 – two sides of the same coin National payments service providers and regulators are driving the adoption of both real-time retail payment system (RT-RPS) and ISO 20022 p... 6667
Co-published Feb 22 Enabling seamless customer experience through digital transformation of channels Asian Banker Research shows that a large component of direct retail sales (asset and liability products) is still focused on branches. Digit... 4133
Research Note Feb 22 Cash management technology – race towards centralising, digitising and future-proofing Cash management banks have utilised information technology in three core areas – centralisation, digitisation and collaboration - in the f... 3441
Research Note Feb 22 Disruption forces banks in Asia Pacific to refocus their technology investments A more challenging operating environment that has impacted profits is forcing banks to trim their cost structures and invest in technology... 5888
Co-published Feb 22 Building a comprehensive cyber security framework for the digital era Protecting customers in multichannel environment is one of the biggest challenges for banks amidst increasing cyber threats A cybe... 4761
Research Note Feb 22 Non-bank players vie for customers in the digital payments arena Non-bank payment players have overtaken banks in terms of scale and usage Threats brought by non-bank players to commercial banks ... 3211
Current News Feb 22 The poor bear the brunt of India's crackdown on black money The Indian government has decided to scrap Rs500 ($7.5) and Rs1000 ($15) currency notes The move is part of a total crackdown agai... 3462
Opinions Feb 22 Singapore’s fintech journey – where we are, what is next MAS has been working closely with the financial industry to create a Smart Financial Centre, where innovation is pervasive and technology is... 3620
Research Note Feb 22 Blockchain: Collaboration and interoperability to drive adoption Blockchain technology has received strong interest from financial institutions as it helps remove inefficiencies in trade settlement processe... 2766
Research Note Feb 22 Will digital-only money transfer operators impact the global remittance market? The remittance business remains a large source of bank revenue although the amount being sent to developing countries has contracted 4608
Opinions Feb 22 The commodities super-cycle: What’s next? Demand for commodities continues to grow in Asia especially in countries like China, Indonesia and India despite a sluggish economy 3900
Interviews Feb 22 Video: "I believe that a company should be kept entrepreneurial driven for a long time" http://thebankingconversation.com/dusantbc2016... 111
Opinions Feb 22 Can DBS make it work? Global banks are pulling out from Asian markets as the “super regional bank” strategy loses steam 2328
Proceedings Report Feb 22 What we learnt from the digital disruptors in China The Asian Banker held the China Innovation Tour from November 21-25, which included site visits in selected banks, companies, innovation labs... 5582
Research Note Feb 22 Digital transformation powers profitability in branch banking Banks are undergoing significant digital transformation to provide customers with better services Self-service methods are being enc... 4977
Interviews Feb 22 Video: "Different models will coexist" http://thebankingconversation.com/tangningtbc2017... 268
Research Note Feb 22 Credit card payment loses ground in more markets Credit cards continue to be an important mode of payment for some countries in Asia The rise of digital payments is shaking up the c... 9402
Research Note Feb 22 Robo-advisors poised to take off The target market for robo-advisors ranges from the average investor to high net worth individuals Assets under management managed b... 5967
Interviews Feb 22 Interview: “Convenient security without compromise” The challenge of security solution providers is balancing access and user experience with security Chau explained that V-Key’s sol... 2499
Research Note Feb 22 P2P lending: Collaboration will be the key to success China’s P2P market is the largest in the world with about 1,500 P2P lending platforms operating both online and offline Many banks... 8488
Research Note Feb 22 The rise of APIs in retail banking API is a set of commands that allows software applications to talk with each other in a seamless manner There has been a surge in th... 6244
News Analysis Feb 22 Rmb devaluation: start of a freer currency regime 2 Last week, People’s Bank of China (PBoC) surprised the world’s financial markets with the Rmb’s first major devaluation since 1994. There wer... 2088
Research Note Feb 22 Emirates NBD: New mobile services enhance customer ease and experience Shake n' Save helped extend the reach of Emirates NBD's mobile banking service to more than 22,000 new customers The bank's cost-t... 2923
Opinions Feb 22 Singapore – Finance as a lack of the imagination I guess, to some extent, I’m the old man of the industry. The Asian Banker is 21 years old, and the funny thing about being called The Asian Bank... 5405
Research Note Feb 22 Hard and fast rules VCs poured a record $8.6 billion into Asian fintechs in 2016, up almost 50% from year before Traditionally, regulators take on the... 2979
Research Note Feb 22 Blockchain - Moving from hype to reality Investments in blockchain technology is rapidly rising, crossing $1 billion in 2016 3641
Research Note Feb 22 Financial authority drives digitisation and innovation in Taiwan Financial Supervisory Commission's “Bank 3.0” vision is a key driver towards digital adoption Banks have an urgent need to dif... 4187
Case Study Feb 22 PayMaya serves the unbanked in the Philippines through the mobile app Mobile banking penetration in the Philippines remains significantly low despite the increasing number of mobile phone users Paymay... 15956
Interviews Feb 22 Making digital banking a profit centre Shinhan Bank launched Sunny Bank in 2016 to digitalise the bank's retail banking assets Sunny Bank used big data analytics to ass... 3810
Opinions Feb 22 Ten things I learned at The Future of Finance Summit in Singapore Fintech is so broad and all encompassing that we lose sight of the gravity of the digital transformation happening before our eyes by not un... 2045
Interviews Feb 22 India's demonitisation calls for rapid innovation in the payments space The demonetisation phase proved to be a challenge and a driver for financial institutions in India to ramp up their digital capabilities and... 2039
Research Note Feb 22 Asia Pacific banks are leveraging on technology to remain competitive in a muted unsecured loan market Tighter unsecured lending standards led to slower unsecured loan growth in Singapore from 2014 to 2016 Cautious lending and compet... 3260
Research Note Feb 22 How digitisation powers DBS to profitability DBS Group achieved record net profit of S$2.35 billion for the first half of 2017 The stellar profit came despite the non-performi... 4532
News Analysis Feb 22 Initial coin offerings – From “bubble” to the future of fundraising? Part 2 ICOs have increasingly gained popularity with the potential to capture crowd funding potential, while allowing investors to diversify into c... 38
Opinions Feb 22 Australian banks show indifference towards AML/CTF rules AUSTRAC recently commenced action in the Federal Court of Australia against the Commonwealth Bank of Australia for alleged breaches of the c... 9712
Research Note Feb 22 The Future of Finance Summit - Leadership in the digital economy track round-up Financial Institutions (FI) need to rethink strategy, adopt leaner and new collaborative models with technology as the key enabler. Mobile w... 2586
Research Note Feb 22 The future of wealth - how modern technology affected investing and entrepreneurship Wealth should not anymore be defined as mere accumulation of money and material assets but of finding and making profitable business opportu... 2591
Research Note Feb 22 TAB FOF Frictionless Roundup - edit kd ( Without Standfirst and bullets) From payments to supply chain, transaction banks are facing increasingly fierce competition from both tradition... 2580
Research Note Feb 22 TAB - Markets are now disrupted - edit kd ( Without Standfirst and bullets) Global developments, costly regulations and fintechs are disrupting today’s markets The near-term outlook for the global... 2581
Proceedings Report Feb 22 Making sense of the future of finance The Asian Banker was rebranded and relaunched as The Future of Finance Summit, which aims to become the forum where the conversations to sha... 75
Proceedings Report Feb 22 Peer-to-peer in Southeast Asia: Must disruptors turn to collaborators? The peer-to-peer sector, has risen from the need to democratise finance, in which emerging platforms are taking out banks as middle-men... 3698
Proceedings Report Feb 22 Banks must stop living in the past Fast-pace change in the banking industry demanded institutions to rethink strategy, adopt leaner, agile and collaborative models F... 5920
Proceedings Report Feb 22 Rethink the customer to build the bank of the future The panel of this year’s leadership dialogue talked about the evolution of marketplace platforms in the two large markets of US and China<... 2981
Proceedings Report Feb 22 Technological innovation is a double-edged sword in cybersecurity New technologies are increasing the speed of service development as well as cyber-attacks Consumers’ data and identity are becom... 7509
Interviews Feb 22 Paytm Payments Bank's Satti: "Create new use cases and innovate to grow" Satti believes demonetisation created a momentum for long term change and transforming Indian mindset towards digital payments The... 3476
Research Note Feb 22 Asia Pacific banks remain unfazed by asset quality pressure Slower economic growth and worse employment situations have led to higher retail non-performing loan (NPL) ratios in Asia Pacific ... 12752
AB500 Feb 22 An unrelenting lack of normality Chinese banks continued to dominate the list of AB 500 largest banks and also the list of the top 20 largest banks Basel capital a... 5381
AB500 Feb 22 Stronger balance sheets, weaker profits Bank of China (Hong Kong) topped the annual ranking of AB500 Strongest Banks, with the strength score increasing from 4.14 in the previous y... 3593
AB500 Feb 22 Capital and liquidity improved in the Middle East 2016 has been a challenging year for Middle Eastern banks, due to low oil prices, economic uncertainty and political instability in the regi... 8768
Opinions Feb 22 Memoirs of a Citibank technology warrior - How the bank built the CORE (Part 1 of 4) Ajit Kanagasundram shares that Citibank’s first consumer banking system had to be abandoned after spending $50 million The COR... 5582
Opinions Feb 22 Memoirs of a Citibank technology warrior - The global cards project (Part 2 of 4) Citibank sought to launch cards across multiple geographies simultaneously The Regional Card Centre team developed and implemen... 5129
Opinions Feb 22 Memoirs of a Citibank technology warrior - The “Systematics” project (Part 3 of 4) Citibank successfully converted 12 businesses into a new standardised platform based on Systematics 4712
Opinions Feb 22 Memoirs of a Citibank technology warrior - Lessons learnt from the “Global Go to Common” project (Part 4 of 4) Citibank's Global Go to Common project, which costs $ 1.4 billion, was shut down after five years of incre... 7228
Round Up Feb 22 Highlights from the Singapore Fintech Festival – Singapore’s role in the global financial technology community The first day of the Singapore Fintech Festival saw Monetary Authority of Singapore Managing Director Ravi Menon shed light on... 3207
Round Up Feb 22 Highlights from the Singapore Fintech Festival – The future of banking Financial institutions need to go digital, reduce the price point, and modernise in order to maintain their competitive advantage ... 30101
Round Up Feb 22 Highlights from the Singapore Fintech Festival – Financial inclusion to the fore The Fintech Festival’s third day had UN secretary-general’s special advocate for inclusive finance for development, Queen Maxima of the ... 3028
Co-published Feb 22 CMB experiments with emerging technologies and social media channels to boost credit card business China Merchants Bank (CMB) implemented Intelligent Micro Service Platform (IMSP) system that integrated social media, instant interactive sy... 4280
Research Note Feb 22 End-to-end and innovative supply chain finance dominates priority A renewed push to end-to-end supply chain financing has come from the “Industry 4.0” revolution Despite the slowdown in RMB in... 3586
Interviews Feb 22 Illuminate Financial’s Whitcroft: “We are business solutions investor first, technology investor second” http://live.theasianbanker.com/video/illuminate-financials-whitcroft-we-are-business-solutions-investor-first,-technology-investor-second... 23950
Interviews Feb 22 Fidor Bank's Kröner: "Interacting socially is at the heart of our DNA" Fidor Bank sets ups an Asian headquarters to sell its digital infrastructure and platform to banks in the region The bank has intr... 2647
Co-published Feb 22 Do Security Bank's streamlined solutions address customer pain points Security Bank launched a pro-customer deposit product, shifting from an operations-centric to a sales-oriented mindset The bank lo... 2949
Post Event Report Feb 22 What we learnt from Swiss private bankers Swiss private banking gain strength when the rest of financial world is in crisis and in need Swiss banking’s need for innovatio... 49898
Research Note Feb 22 Are cryptocurrencies on the path to becoming mainstream? The significant interest in the potential of blockchain technology remains one of the key reasons behind its growth The surge in s... 56053
Research Note Feb 22 Digitisation efforts by large Australian banks boost customer satisfaction Australian retail banks are online data and analytics tools to gain better insights about their customers Local banks are looking... 4582
Research Note Feb 22 Creating the next level of client engagement with the Internet of Things Internet of Things gives banks the opportunity to integrate environmental, behavioural and financial data for clients to simply click a butt... 4124