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... 3444
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
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 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 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... 2638
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 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: “Mentoring start-ups allows us to think customer centricity and think differently” DBS Bank has invested over SGD 10 million ($7.2 million) in initiatives that will support the development of the startup ecosystem in Singapore ove... 2027
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... 3300
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
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
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... 5050
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
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 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 ... 4511
Interviews Feb 22 Interview: “We intend to operate as an ally rather than to compete with banks” In a rapidly growing fintech sector success revolves around the ability to leverage innovation and disruptive technology to solve real world busine... 3130
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... 3232
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
Research Note Feb 22 Indonesia to introduce new regulation to foster fintech growth Strong growth recorded in investments into fintech companies in Asia fuelling future potential of the sector China has emerged as ... 4572
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 try to think like our customers” Huy said ACB has focused on building its retail network after it went through massive restructuring due to a huge credit crisis Un... 2749
Research Note Feb 22 Can the digital payment wave weaken Mastercard's empire? Mastercard outlines its response to an increasingly fragmenting payments landscape It offers to support old and new customers alik... 3846
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... 4136
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
Opinions Feb 22 Singapore is creating a fintech ecosystem where innovation thrives Shanmugaratnam shares that Singapore’s strategy is to provide t... 4849
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... 3622
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... 2771
Speech Feb 22 The financial sector has to build new capabilities to power the digital economy The Monetary Authority of Singapore (MAS) will provide strong support for Singapore-based ‘proof of concept’ trials by funding 50% of th... 3151
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 4611
Interviews Feb 22 Video: "I believe that a company should be kept entrepreneurial driven for a long time" http://thebankingconversation.com/dusantbc2016... 115
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... 5584
Interviews Feb 22 Video: "Different models will coexist" http://thebankingconversation.com/tangningtbc2017... 272
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 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... 5971
Opinions Feb 22 The two market models of fintech revolution The fintech revolution has two market models: The Western ‘Market Model of Frenemies by Difference’ and the Eastern ‘Market Model of Fr... 4310
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... 2506
Research Note Feb 22 New competitors are catalysts for growth in mobile payments Mobile payments revenue will increase from $4.5 billion in 2015 to $10.8 billion by 2019 A key challenge for mobile payments has bee... 3089
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 How robots are changing the face of banking According to CB Insights, investment into robotics rose by 115% in 2015 Robotics process automation can bring notable time and cos... 18931
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
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
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... 5408
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
Opinions Feb 22 The five superpowers of data DBS believes banking needs to disappear out of people's lives to provide them with better customer experience. Big data has hel... 2351
Opinions Feb 22 "We have made a conscious decision to adopt fintech" The Central Bank of Bahrain will relase a draft rule for consultation on crowdfunding platforms and new directives on cloud computing ... 5419
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... 2982
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
Analysis Feb 22 More banks are investing in new technologies to improve customer experience Digital and mobile experience, data analytics and cybersecurity preparedness are some of the top technology investment priorities of leading... 7698
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
Opinions Feb 22 "Regulators have ‘upped their game’ in ways that would have been considered to be very ‘un-regulator-like'" Guner emphasised that fintech makes a very compelling case for cost cutting, operational efficiency, and increasing financial inclusion... 6940
Interviews Feb 22 “Solve infrastructure gap in Asia to create a market bigger than US” Global fintech investments did not grow in 2016, although venture capital funding remains robust It usually takes 80% of resources... 7630
Opinions Feb 22 Smarter lending takes flight Shrier believes that the convergence of several tech disruptions have resulted in a structural change with... 6334
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
Research Note Feb 22 How a fintech outgrew banks in the mobile wallet market in Vietnam Momo plans to grow its network from 5,000 to 11,000 agents and more than seven million active e-wallet users Business model evolve... 5346
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
Opinions Feb 22 Join the data revolution Gorriz believes banks need to re-invent how they work, given the exponential speed at which technology is evolving Banks and other... 9797
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
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... 2046
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
Opinions Feb 22 Will artificial intelligence take over your banking job? Banks have been very good in automating tasks and then actually improving certain tasks through historical analysis In artificial ... 6473
Research Note Feb 22 What does it take to build a successful mobile wallet – more than cool technology While mobile wallets have become very popular in Kenya and China, few other markets have enjoyed such high levels of success Cus... 6773
Interviews Feb 22 Strengthening Bahrain’s financial system through fintech A regulatory sandbox will allow Bahrain's central bank to facilitate the disruption of its local financial services market while maintaining... 8329
Research Note Feb 22 Fintech gives Hong Kong banks a head start in race to innovate retail banking A vibrant fintech ecosystem is building in Hong Kong as retail banks innovate in a sector that has seen lacklustre performance in... 6379
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
Opinions Feb 22 Leveraging universal digital identity – How to get it right? A universal digital identity will deem other documents that identify us to be unnecessary Gorriz believes that ... 2504
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
News Analysis Feb 22 ICOs – From “bubble” to the future of fundraising? ICOs have increasingly gained popularity with the potential to capture crowdfunding opportunities, while allowing investors to diversify int... 10560
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... 41
Opinions Feb 22 The benefits and risks of shopping for robos It is important to understand the underlying assets that a robo is buying because it influences the fees being paid Transparency i... 2617
Interviews Feb 22 Barclays’ Rolfe: “I can create a ubiquitous ‘bankless’ banking experience – and that’s where the true value of IoT and connected devices lies” The way the industry is starting to see real value in IoT is centred on big data, artificial intelligence and the intelligence behind it 9874
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... 77
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 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 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
Opinions Feb 22 What banks must do to prevent money laundering Law enforcement agencies have designed strategies based on the three-staged money laundering cycle, which is rarely used by financial instit... 27962
Interviews Feb 22 JD Finance’s Chen: “I serve financial institutions, not do financial services” Shengqiang Chen shares how JD Finance’s strategy evolved as a fintech player in China Chen believes that by offering various fin... 4871
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 On the way to the first fintech bank One of the core differences in approach to financial services between banks and fintech lies in democratisation The beauty of “f... 2993
