Research Note Feb 22 Banking sector in good condition The Middle East and Africa 100 2015 (MEA 100) is an evaluation of the 50 largest banks in the Middle East and the 50 largest banks in Africa for th... 3035
Research Note Feb 22 Calm before the storm The Asian Banker 500 2015 (AB 500) is an evaluation of the 500 largest banks in the Asia Pacific region for the financial year 2014. This year’s ... 2937
Research Note Feb 22 Income recovery for most retail financial services markets in Asia Pacific in 2017 Gross income from retail financial services for banks in Asia Pacific is expected to grow at a stable compound annual growth rate of 10% bet... 3445
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... 1943
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... 7175
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... 5732
Research Note Feb 22 “One Belt One Road” – China’s new growth strategy looks at westwards expansion The “One Belt One Road” (OBOR) initiative by China is arguably their most ambitious initiative to date. The project which was started in early ... 6563
Research Note Feb 22 Strengthening RMB markets with sophisticated products The access to onshore RMB markets has been of utmost importance to policy makers in Beijing. While the capital account remains closed, a host of in... 3264
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... 3901
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... 3069
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 ... 2832
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... 3390
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... 3193
Research Note Feb 22 Adding value to data a key challenge in a multi-channel world Retail banking in the Middle East and Africa has evolved greatly in the last few years as banks introduce new products and leverage innovation to m... 2905
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 Banks need to leverage their superior product knowledge to stay relevant East Africa’s retail banking industry is growing at a rapid pace with banks using technology to target customer segments that were once too costl... 3863
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... 3172
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,... 3426
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 ... 3313
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... 5618
Opinions Feb 22 Currency settlement mechanism strengthens Korea’s financial system Mitigating risk in the midst of uncertainty Managing cash flow, maintaining adequate intraday liquidity, and fulfilling pa... 2468
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,... 4661
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... 3773
Interviews Feb 22 Interview: “China is creating more capital market-enabled financial systems through technology platforms” Emmanuel Daniel, The Banking Conversation (ED): Lufax is one of the pioneering and perhaps largest and most successful peer-to-peer (P2P) l... 5679
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
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... 9947
Research Note Feb 22 Blockchain: The race to commercialisation With 45 leading banks around the world backing it, blockchain or the distributed ledger, has moved firmly into the technology spotlight. Although s... 4977
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... 4319
Interviews Feb 22 Interview: “ICBC China incoming chairman Yi Huiman hints at broad organisational restructuring to strengthen risk and controls” The following is the full transcript of the interview with Yi Huiman, the incoming chairman of the Industrial and Commercial Bank of China (ICBC Ch... 4200
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... 921
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... 4411
Case Study Feb 22 Jibun Bank thrives without a branch network Jibun Bank stands out in a sea of mobile-integrated financial services. One of the differentiating factors of the bank from its inception in 2008 i... 10199
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... 6072
Research Note Feb 22 Increasing credit card usage opens opportunities for Chinese banks China's credit card sector is becomi... 3462
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
Research Note Feb 22 VPBank pushes growth on its retail and SME segments Vietnam’s banking sector undergoes a restructuring scheme to consolidate smaller banks VPBank’s active customers increased by ... 3598
Research Note Feb 22 ACB is positioning itself to become Vietnam’s leading bank Vietnam’s banking sector has undergone a radical restructuring in the past four years ACB has focused on developing better custo... 6655
Research Note Feb 22 Vietnam Eximbank struggles amid market volatility Vietnam’s banking sector undergoes a consolidation process as part of a restructuring s... 4581
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... 4534
Research Note Feb 22 Bank of China (Hong Kong) named the Strongest Bank in Asia Pacific in 2016 for third consecutive year Bank of China (Hong Kong) is the strongest bank in Hong Kong and Asia Pacific in 2016 Overall financial performance of the Asia Pa... 3594
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... 5891
Research Note Feb 22 Hostile environment casts doubt on the future of mobile-only fintech banks Challenger banks have struggled to increase its customers and sales Enormous discontent with conventional banks have led to the em... 3786
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 ... 3217
News Analysis Feb 22 Relooking the transaction banking value proposition Banks are investing in resources to better appreciate and understand the risk appetites of customers 6578
Opinions Feb 22 Can DBS make it work? Global banks are pulling out from Asian markets as the “super regional bank” strategy loses steam 2330
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... 4982
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... 9407
Research Note Feb 22 DBS – Preparing for a digital future DBS has a 49% market share of online and mobile channel users in Singapore The bank has become more technology intensive since 2013<... 9344
Interviews Feb 22 Interview: “Now is the best time to hire good talent” Mizuho Bank undertook internal transformation and reorganisation in early 2016 to become a total financial solution provider Ohas... 2597
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... 8492
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... 6250
Interviews Feb 22 Interview: “Transforming the relationship concept is based on the very real need of managing both pricing and costs” Petri Nikkilä believes banks are embracing and adopting digital technology at a more collaborative, cooperative and centralised level ... 2371
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... 2928
Research Note Feb 22 Basel capital showdown pits US against Europe Basel regulators want a so-called capital floor to reduce the reliance on banks' own calculations of risk weighted assets US offic... 2318
Opinions Feb 22 57 banks and nothing wrong? Many UK start-ups, including Atom, Starling, Monzo and Tandem, have raised hunderds of millions of dollars in funding Regulatory ... 3616
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... 4188
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... 3813
Research Note Feb 22 Retail banks in Japan still struggling with decreasing profitability Japanese banks see growth potential in the high mobile and internet penetration rates among local citizens Sumitomo Mitsui Group a... 3985
Research Note Feb 22 Robots take over retail banks’ back offices Robotic process automation refers to logic-driven robots that execute pre-programmed rules on structured and some unstructured data 6983
Research Note Feb 22 Data analytics drives retail banking Many banks believe that big data analytics offers a significant competitive advantage and will determine their success in the future <... 14173
Interviews Feb 22 "UBank was introduced to clearly disrupt Australia's banking industry" UBank was built to disrupt the highly competitive banking sector in Australia Hubbard said that the implementation of technology i... 3661
Research Note Feb 22 Banks embrace digital innovation but find it hard to make substantial changes to its conventional business model Banks are moving more products and services on their digital platform to get acquired fully straight-through processes An increasi... 3188
Research Note Feb 22 South Korean banks rely on fintech as they contest for dominance in digital retail banking The country’s first internet-only bank paves the way for the industry to increase competitiveness in the retail banking sector I... 4794
Research Note Feb 22 Mobile banking seen to overtake internet banking Digital banking has progressed at different paces in different markets in Asia Pacific, becoming more widespread in developed economies... 14575
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... 2045
Research Note Feb 22 today is nver Digital banking has progressed at different paces in different markets in Asia Pacific, becoming more widespread in developed economies... 6028
Case Study Feb 22 Enhancing operational efficiency and transforming mortgage experience through a cloud platform Traditional mortgage lending process was complicated by paper-based systems, excessive manual operations, and lack of consistent communicati... 2994
Interviews Feb 22 CIMB's Gupta: "Getting the culture right is a big step in regionalising your business" Digital, customer experience and analytics combined create competitive position 10897
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... 4537
Research Note Feb 22 Vietnamese banks are playing a risky game Differentiation, profitability, and customer-oriented digital adoption remain major challenges in Vietnam’s growing retail banking industr... 8116
Interviews Feb 22 CCB’s Yu: “Defining the new role of the branch for the young” Amidst a rapid digitisation pace, Yu believes the number of physical bank branches will remain stable Yu believes that physical ch... 2610
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... 9716
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... 2588
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... 2593
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... 2583
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... 2585
Interviews Feb 22 SCB's Huen: "We still have room to get a more meaningful market share than what we have today" Standard Chartered Bank has been leveraging synergies between its business segments as well as the strength of its size in Hong Kong <... 2755
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... 5922
Research Note Feb 22 Are Thai banks prepared for the next phase in digital competition? There has been a rise in digital platforms for asset and deposit products, with banks ready to launch full-blown e-KYC process Pri... 19022
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... 3480
Interviews Feb 22 BankBazaar’s Kalra: “Marketplaces are moving deeper into the value chain” Kalra believes less complex mass market financial products will get increasingly commoditised Banks need to focus and adapt on the... 6787
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... 8773
Research Note Feb 22 Improving customer experience and reviewing business models Technological innovation and disruption have redefined customer journey and existing business models in 2017 The new transaction b... 3392
AB500 Feb 22 A look at Asia Pacific's 500 strongest banks in 2017 What is The Asian Banker 500? The Asian Banker 500 (AB500) is an annual study of the financial and business performance of ... 9464
Research Note Feb 22 Continuous focus on technology investment, operational excellence and customer service Revenues from transaction banking have risen over time with most of the growth drivers coming from the sma... 3156
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... 5585
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... 5134
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 4714
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... 7234
