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Articles and opinions by Shenming Wang

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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.
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Brexit and weaker economic growth hit HSBC's performance
Date: Aug 21, 2016   |   Author: Shenming Wang | Research Note
HSBC will continue reshaping its business and conduct cost-saving strategies amidst a weak performance in its European, Latin American, and North American businesses.
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Vietnam banks: Putting their money in retail banking and technology
Date: May 27, 2016   |   Author: Shenming Wang | Research Note
Despite current economic challenges, Vietnam’s banking sector has promising longer term potential due to its relatively young and increasingly affluent population.
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Retail banking in the United Arab Emirates: Evolving and already competitive
Date: Feb 03, 2016   |   Author: Shenming Wang | Research Note
In the United Arab Emirates, banks have become more competitive in retaining their customers as a result of new regulations, while the rest are developing their individual strengths gained from their own customer experiences. The experiences of National Bank of Abu Dhabi and Abu Dhabi Commercial Bank illustrate how banks have adapted their strategies to new developments in the banking sector.
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Indonesia: Bank Central Asia and Bank Mandiri—Spurring retail loans and exploring digital lending
Date: Jan 06, 2016   |   Author: Shenming Wang | Research Note
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 be a future solution.

 




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