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Articles and opinions by Shenming Wang

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The long road ahead in digitising the payments space in the Philippines
Date: Feb 26, 2018   |   Author: Shenming Wang and Janine Marie Crisanto | Datafiles
Increased utilisation of financial technology is setting the stage for further digitisation of the Philippine’s consumer banking industry, which is slowly transitioning into a “cash-lite” economy.
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Retail trends in China: Striking a balance between new technologies and traditional processes
Date: Feb 12, 2018   |   Author: Shenming Wang | Research Note
Traditional banks in China have begun to utilise cutting-edge technologies by collaborating with technology companies, start-ups or emerging financial institutions. While pushing their way in revolution, the vital point is to strike a balance between the digitisation of services and traditional manual banking services.
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Vietnamese banks are playing a risky game
Date: Aug 28, 2017   |   Author: Shenming Wang and Chris Kapfer | Research Note
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
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Fintech gives Hong Kong banks a head start in race to innovate retail banking
Date: Aug 19, 2017   |   Author: Shenming Wang | Research Note
Retail banks in Hong Kong are capitalising on fintech to innovate their product palate and to reach out to new customers through dedicated digital channels.
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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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Financial authority drives digitisation and innovation in Taiwan
Date: May 02, 2017   |   Author: Shenming Wang | Research Note
Taiwan’s Financial Supervisory Commission (FSC) is driving the country’s banks to move to digital platforms through its “Bank 3.0” vision as banks have an urgent need to differentiate themselves in the crowded retail banking market.
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Retail banks in Japan still struggling with decreasing profitability
Date: Apr 26, 2017   |   Author: Shenming Wang | Research Note
Declining profitability from lending is forcing Japanese banks to rethink product and service strategies whilst innovative technology adoption is helping to maintain high service levels
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Credit card payment loses ground in more markets
Date: Jan 20, 2017   |   Author: Shenming Wang | Research Note
Credit card issuance and usage wane as digital and mobile payments increase in popularity.