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Our researches and analysis on Research Note

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Asia Pacific banks are leveraging on technology to remain competitive in a muted unsecured loan market
Date: Aug 08, 2017   |   Author: Wendy Weng | Research Note
Most Asia Pacific markets have witnessed a slowdown in unsecured consumer loan growth, as regulations tighten and more alternative lending options are made available to borrowers. To stay relevant, banks are slowly digitising the business while also closely monitoring credit quality.
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Mobile banking seen to overtake internet banking
Date: Jul 04, 2017   |   Author: Wendy Weng | Research Note
Asia Pacific markets have seen a shift towards digital banking during the past few years. Nowadays, banks are placing more effort on mobile banking, such as improving security and convenience of their applications and enhance the user experience to drive engagement in the channel.
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What does it take to build a successful mobile wallet – more than cool technology
Date: Jun 29, 2017   |   Author: Richard Hartung | Research Note
Mobile payment apps have continued to proliferate in countries around the world, with Mercedes Pay soon likely to join the more familiar Apple Pay and Samsung Pay. Local apps in Asia, ranging from Paylah! in Singapore to Kakao in South Korea, offer mobile payments as well.
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South Korean banks rely on fintech as they contest for dominance in digital retail banking
Date: Jun 19, 2017   |   Author: Shenming Wang | Research Note
The evolving landscape of South Korean retail banking is pushing banks to invest in financial technology to retain and attract customers, even as traditional brick and mortar branches give way to specialised branches.
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At odds with Dodd-Frank
Date: Jun 03, 2017   |   Author: Tanya Angerer | Research Note
In a matter of weeks US President Donald Trump’s administration will lay bare how they wish to regulate banks and markets. After months of scathing remarks about the Dodd-Frank Act, any clarity on exactly how Trump wishes to overhaul the system is welcomed by both detractors and supporters. But how much change should be expected?
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Banks embrace digital innovation but find it hard to make substantial changes to its conventional business model
Date: May 29, 2017   |   Author: Research | Research Note
In the quest to create financial ecosystems, banks believe they can stay relevant to a customer’s financial needs.
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The enterprise value of data and digital transformation
Date: May 24, 2017   |   Author: Dante Disparte and Daniel Wagner | Research Note
Data is a strategic asset that allows companies to acquire or maintain a competitive edge in the knowledge economy. To unlock the hidden value of data, firms should treat data as an integral part of their supply chain, because it impacts the entire ecosystem in which a firm operates.
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Retail banking asset structure differs widely by country in Asia Pacific
Date: May 15, 2017   |   Author: Wendy Weng | Research Note
Composition of retail banking assets among Asia Pacific countries shows that mature markets have a higher average share of mortgages in retail lending than emerging markets, while banks in emerging markets have expanded their mortgage lending at a stronger pace.