This bank implemented a significant revamp of digital journey and onboarded over 50% of new customers fully through e-KYC process, and therefore posted a considerable ratio of 12-month digital active user rate of 80% in 2023. Therefore, the winning bank enhanced its online sales as well as cost control capabilities, improved a 9-bp in retail ROA and posted a steady 7.7% YoY growth in gross retail revenue, outperforming major peers in Cambodia. 

For the competitive edges in digitalisation and market performance, Best Retail Bank in Cambodia goes to Canadia Bank.