mobile banking surges in asia
Điện thoại di động đã và đang là kênh ngân hàng lớn nhất theo khối lượng giao dịch và được sử dụng bởi các khách hàng mới đang bước vào một giai đoạn đặc biệt nhanh chóng.
Một cuộc khảo sát của McKinsey và Công ty cho thấy rằng trên toàn ASEAN (Singapore, Malaysia, Brunei, Campuchia, Indonesia, Lào, Myanmar, Philippines, Thái Lan và Việt Nam), tỷ lệ người sử dụng mobile banking tăng gấp đôi từ năm 2011 đến năm 2014, với Indonesia và Việt Nam cho thấy sự tăng trưởng đã gấp bảy lần.
KPMG ước tính rằng số lượng người dùng mobile banking sẽ tăng gấp đôi lên 1,8 tỷ vào năm 2019 và tương tự, cho rằng Đông Nam Á sẽ là khu vực phát triển mạnh nhất.
Mobile is already the largest banking channel by volume of transactions and its adoption by new customers is entering an exceptionally rapid phase.
A survey by McKinsey and Company found that across ASEAN (Singapore, Malaysia, Brunei, Cambodia, Indonesia, Laos, Myanmar, Philippines, Thailand
KPMG estimates that the number of mobile banking users will double to 1.8 billion by 2019 and similarly, argues that Southeast Asia will be
via Digital Banking in ASEAN: Increasing Consumer Sophistication and Openness, by McKinsey and Company
The growing importance of digital banking throughout Asia opens opportunities for incumbents and attackers alike.
In the region, one bank
DBS Bank, Singapore’s largest bank and a leading bank in the continent, has committed to invest SGD 200 million in digital banking regionally.
During the past two years, DBS has rolled out a number of initiatives, primarily in Singapore. These include DBS PayLah!, a mobile wallet for peer-to-peer payments introduced in May 2014; DBS SMS Banking, which allows users to perform simple banking transactions, introduced in October 2014; and DBS
Most recently, DBS announced the launch of “DBS
In Singapore, DBS claims it has the largest number of online banking and mobile banking customers with over 2.5 million and 1.25 million users respectively.
The launch of DBS
Unlike DBS’s PayLah!, OCBC’s new app isn’t meant to make payments but rather works as an easy tool to quickly access banking information.
Other digital banks in Asia
In Vietnam, digital banking penetration has grown to over 40% in 2014, according to McKinsey and Company, and players have started deploying relevant products.
Powered by VPBank, Timo launched in March the country’s first digital-only bank. Essentially, the service lets you open a bank account in just a few steps and allows you to manage your finances using your smartphone. Plus, banking fees at Timo are much lower than those applied by traditional banks. For instance, users can withdrawal funds at more than 17,000 ATMs for free, and fund transfers from a Timo account to any other Vietnamese bank account is free of charge as well.
South Korea’s Sunny Bank Vietnam, also referred to as Sunny Club, launched its mobile banking service in Vietnam in late-2015. Sunny Bank, a mobile banking service developed by Shinhan Bank, offers financial services such as loans via mobile devices. The app also features entertainment and cultural
Two months following its launch in Vietnam, Sunny Bank managed to onboard over 10,000 clients.
Shinhan Bank is South Korea’s top lender, also known for being the first player to launch digital banking services in the nation. Other South Korean banks that are capitalizing on the growth of mobile banking include Woori Bank with WiBee