Consumer Finance

Embedded finance is a critical factor in improving the customer journey and driving transformation. Leading embedded finance partners enable non-financial clients to offer diversified financial products and services, with simplified integration,…

Embedded finance is the critical factor to improve customer journey and drive transformation for services industries.. With travel recovery and sluggish volume sales of automotives, embedded finance is considered to have the most potential to build…

Embedded finance has been rapidly evolving from non-digital to digital. If finance is the fuel for the economy, then digital embedded finance is the invisible aviation grade fuel powering jets of digital businesses. Supportive regulations, improving…

From a product perspective, embedded payment market competition has been intensified with digital players, which are challenging the card operators. For deposit and lending, leading banks such as Goldman Sachs and CIMB have made their names in the…

Asia Pacific is a region characterised by diverse economies, cultures and demographics. In such an environment, loyalty programmes need to be crafted to meet local consumers’ preferences. Asia Pacific is facing a turning point where it can no longer…

Benefiting from growing smartphone penetration, supportive regulations and so on, a growing number of digital banks have been launched, challenging the incumbents. However, among all digital banks, less than a quarter are known to be profitable. Key…

Early digital banks in East and South Asia have generated profits. Their success in both developed and emerging markets is a good reference for new digital banks, especially in Southeast Asia. However, a few digital banks in Australia have failed.…

Besides building ecosystem partnerships, banks have to balance between convenience and data privacy and risk control, on alternative data usage. Also, BNPL poses a threat to banks’ growth, if banks do not undertake concrete actions on partnerships…

Discover Financial Services, based in the US, is one of the largest card network operators in the world. The company issues a variety of cards in its home market, while operating three separate types of networks: Discover Network, a primarily credit…

Consumer mobility is evolving as urbanisation, sustainability and growing technological savviness are driving demand for travel supported by dynamic payment solutions. Euromonitor International introduces the Digital Payments in Mobility Index to…