Our researches and analysis on Research Note
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.
P2P lending: Collaboration will be the key to success
Fintech, the latest buzzword in the peer-to-peer lending sector, has carved a niche for itself in a short span of time. As banks tighten their seat belts for the new-age disruption, they are showing strong affinity towards collaboration with the marketplace lenders to secure their customer proposition.
DBS – Preparing for a digital future
DBS Group’s retail and wealth business has been accelerating income generation since 2013. However, the bank continues to face an uphill struggle with some of its overseas retail markets.
Robo-advisors poised to take off
Customised financial advice had, for many years, been available almost exclusively to private banking clients or to the mass affluent. However, robo-advisors are offering the same advice to many more consumers. Customers in Asia, from the man on the street to the ultra-wealthy, seem ready to embrace these new robo-advisors.
Digital transformation powers profitability in branch banking
While many financial institutions in emerging markets are trying to strike the right balance between their physical footprints and digital presence, leading banks in mature markets are proving that digital transformation can boost profitability and efficiency.
Vietnam’s retail banking is playing a risky game
Economies of scale, profitability, and developing a comprehensive service proposition remain major challenges in Vietnam's growing retail banking industry. A long-term sustainable future will depend on how banks execute a right risk-reward balance.