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Our researches and analysis on Payments

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Pioneering a mobile-first approach to remittances

The development of digital platforms that enable direct global money transfer is a nascent but fast growing business model from the remittance industry. The model does not envisage traditional banks as part of the long term plans, and competes…

     
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Proactive—The new buzzword in the transformation at the Central Bank of the…

The Governor of the Central Bank of the United Arab Emirates, His Excellency Mubarak Rashed Al Mansoori discusses the transformation of the UAE Central Bank under its new Medium-Term Plan. Among others, the Central Bank will focus on SMEs…

     
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Focus on integrated solutions and regional capabilities

Increased use of electronic cash management facilities to enhance cost and operational efficiency is the dominant theme in the transaction banking industry in the Middle East and Africa

     
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Retail payment trends in Asia Pacific

New payment options in the market are creating new opportunities, making competition fiercer, and reducing the use of cash and cheques.

     
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Krung Thai Bank: From government to private deposits

State enterprises form one of the largest customer segments of Krung Thai Bank. But this does not confine the bank, as it enters the nongovernment retail deposit market driven by a mix of competitive pricing and products, process innovation,…

     
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Hong Kong as an offshore RMB clearing hub

Hong Kong will maintain its strategic role in bridging China with the rest of the world, even if more RMB payments are settled elsewhere. With its preeminence in clearing, settlement, and product diversity, Hong Kong can lead in fintech…

     
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Indonesia: Bank Central Asia and Bank Mandiri—Spurring retail loans and exploring…

Formal financial institutions have connected only 22% of the Indonesian population. A huge potential for the financial sector still needs to be explored, and digitised lending, which combines retail banking with financial technology, should…

     
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Hong Kong banks: increasing retail operations under a tighter regulatory regime

Hong Kong’s economy remains sound but the Hong Kong Monetary Authority is tamping down property loans and issuance of long-term personal loans. With the stricter regulations, the challenge for Hong Kong banks is not asset quality but pricing.