Our researches and analysis on Research Note
Blockchain - Moving from hype to reality
Investments and interest in distributed ledger technology have been rising rapidly as new use cases emerge to harness its potential. The technology is nonetheless still at an early stage with many hurdles to cross, possibly five to seven years away from mainstream adoption.
Hard and fast rules
With more than 70% of Southeast Asia being unbanked, fintech possesses tremendous potential to widen financial inclusion and spur economies. Advances in the industry mean more people and companies have the ability to save, borrow and transact. Yet with such a wide and sensitive remit, regulations need to keep pace with the constant innovation.
Basel capital showdown pits US against Europe
Basel regulators are trying to finalise changes on how to calculate banks’ risky assets. But US and Europe are at loggerheads about what these should look like. After postponing a decision in January, and failing to reach a conclusion in early March, a compromise is proving to be tricky.
How robots are changing the face of banking
Robotics, enabled by artificial intelligence and machine learning, is proving to be a game changer that can bring unique operational efficiencies to the financial services industry.
The rise of APIs in retail banking
Financial institutions are starting to use APIs to create important linkages between their products and services and their customers and important third party value providers. Early movers to stand to gain mindshare of both customers and the wider application developer community.