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Articles and opinions by Richard Hartung

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How digitisation powers DBS to profitability
Date: Aug 10, 2017   |   Author: Richard Hartung | Research Note
While much of the focus for quarterly results at DBS was on profits and non-performing loans, the impact of digitisation on expense reduction was striking and the bank’s plans for the next ten years pave the path towards even greater efficiency.
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What does it take to build a successful mobile wallet – more than cool technology
Date: Jun 28, 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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Data analytics drives retail banking
Date: May 10, 2017   |   Author: Richard Hartung | Research Note
As data analytics becomes nearly ubiquitous in most parts of consumers’ digital lives, leading banks are providing digitised solutions that deliver the right offer at the right time, predict fraud so they can reduce risk, and boost cross-sell rates.
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Robots take over retail banks’ back offices
Date: May 04, 2017   |   Author: Richard Hartung | Research Note
In retail banks around the world, robots are making their way into the back office and reducing costs by as much as 80% while increasing accuracy by up to 100%. Along with bringing lower costs and greater efficiency, they’re also creating the complexity of redeploying people who have performed routine tasks for many years.
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The rise of APIs in retail banking
Date: Feb 21, 2017   |   Author: Richard Hartung | Research Note
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.
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Robo-advisors poised to take off
Date: Jan 23, 2017   |   Author: Richard Hartung | Research Note
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.
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Digital transformation powers profitability in branch banking
Date: Jan 19, 2017   |   Author: Richard Hartung | Research Note
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.