Composition of retail banking assets among Asia Pacific countries shows that mature markets have a higher average share of mortgages in retail lending than emerging markets, while banks in emerging markets have expanded their mortgage lending at a stronger pace.

As data analytics becomes nearly ubiquitous in most parts of consumers’ digital lives, leading banks are providing digitised solutions that deliver the right offer at the right time, predict fraud so they can reduce risk, and boost cross-sell rates.

High level jurisdiction risk assessments alone are often too broad in scope to include in anti-money laundering policies; Micro-jurisdictional risk analysis could help allay model bias.

In retail banks around the world, robots are making their way into the back office and reducing costs by as much as 80% while increasing accuracy by up to 100%. Along with bringing lower costs and greater efficiency, they’re also creating the complexity of redeploying people who have performed routine tasks for many years.

Michelle Hui, head of trade business development, Asia Pacific, treasury services, BNY Mellon, discusses the complex trade environment and how collaboration can help fuel trade.

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

Banks are expected to see continued growth in auto lending due to economic development but growth will be dampened by the rise of ride-sharing services.

Dennis Tan, head of consumer financial services at OCBC, shares how the bank is leveraging its data analytics and digital capabilities to increase productivity and efficiency amid tough competition in Singapore.

David Shrier, managing director of MIT Connected Science, shares his views on how new technologies will help achieve smarter lending.

Vladislav Solodkiy, managing partner, Life.SREDA, talks about key issues and challenges to financial technology growth in Asia and existing infrastructure gaps that hinder the scaling of fintech in the region.

Serdar Güner, director of supervision at the Dubai Financial Services Authority, in a speech during The Future of Finance, Middle East and Africa 2017, discussed how the regulator is facilitating innovation amidst the changes happening in the global financial and regulatory landscape.

Rapid developments and increasing competition in the retail banking landscape require greater need for closer supervision and monitoring from industry regulators to protect the rights of the consumers.

An Hyo Ryul, general manager of retail business development at Shinhan Bank, believes the newly launched mobile-based digital banking platform Sunny Bank will allow the bank to digitalise more retail banking assets, effectively monetise online channels, and operate more seamlessly in the online-to-offline space.

2016 saw a rapid progress in disruptive technologies bringing a paradigm shift in the thought process of institutions towards technology adoption and transformation. What will be the top technology priorities and trends in the banking industry in 2017?

China’s insurance industry is undergoing transformation as the authorities try to reign in the speculative practices of some players.