This year, conversations at SIBOS centred on customer experience, co-creation, security, and technology resonating deeply with the event theme. As consumers and businesses migrate to the digital channels, financial services providers are mapping their own transformational journeys to drive service innovation

David Lynne, Deutsche Bank’s new head of global transaction banking in Asia Pacific and country head of Singapore discussed his key priorities

At the Digital Finance Leadership Programme in London, Jaidev Janardana, CEO of UK-based peerto-peer lender Zopa talked about the technology and credit risk management expertise that differentiate the company and its plans to launch a digital bank

WeBank, a digital micro lender of Tencent Financial Technologies, applies blockchain to create transparency and trust with its business partners and aims to offer its platform as a service.

These are the leading countries where new payment options are creating new opportunities and disrupting the incumbents

Artificial intelligence (AI) is set to transform retail banking, impacting the customer journey from acquisition on through to retention.

The bank onboarding process should be fast, as the most fundamental attribute of an exceptional account opening experience is speed

For delivering twice the growth in deposits relative to the industry, and migrating 97% of its customer base to SMART business, the online channel for corporate clients,Emirates NBD was recognised as Best Cash Management and Transaction Bank in Middle East and Africa at The Asian Banker MEA Risk and Transaction Awards Programme 2018

The most competitive digital retail financial institutions come all but from China, and the elite club of the top 10, representing all non-bank financial players, are exclusively from China, Korea and Australia

In the FX space, as in all others, multichannel connectivity is key – and API is quickly becoming a prominent channel that can no longer be side-lined

With its banking model in transition, Bendigo and Adelaide Bank focuses increasingly on capital cost, operational efficiencies and productivity, while building on its successful community bank DNA

Newly appointed chief commercial officer at Earthport Mike Steinharter discussed how the company aims to expand globally and into new segments to increase the scale of its operations

Going beyond its roots in trading, Saxo Bank is launching a new investment platform that promises consumers better returns at a lower cost

Globally, commercial banks have demonstrated that they are not the underdogs when it comes to growing the number of digital users. They compete well in most markets under review against the best neo-banks and digital financial institutions (FIs). However, the dramatic rise in digital user base of neo-banks in recent months may erode this lead.

Internet finance has put on an impressive feats globally with countless start-ups emerging across continents. In China, nearly 20% of its GDP driven by Internet finance, with seven of the top ten fintech companies in the world based there.