TABInsights

22/08/2025

DBS Bank, OCBC and UOB pivot from margin pressure to diversified, region-led growth

Read the full article: https://tabinsights.com/article/dbs--ocbc-and-uob--pivot-from-margin-pressure-to-diversified--region-led-growth

Singapore’s largest banks - DBS, OCBC and UOB -are shifting from margin-driven profits to growth anchored in wealth, regional connectivity and sustainable finance. This integrated model is designed to build resilience across market cycles as net interest margins narrow.

🔹 Wealth management is now a core driver, with DBS, OCBC and UOB all reporting strong inflows, higher assets under management and rising fee income.
🔹 Regional connectivity is deepening through expanded ASEAN and Greater China networks, boosting deposits, treasury mandates and cross-border flows.
🔹 Sustainable finance is scaling fast, with ESG-linked loans, investments and advisory mandates embedded into core client solutions

Strong capital ratios, low non-performing loan levels and accelerated digital adoption are supporting this shift, ensuring banks remain resilient while capturing new opportunities

Citi

12/08/2025

Open Dialogue Session: How fintechs are reshaping SME lending

📅 Tuesday, 19 August 2025

🕘 4:00 PM Beijing/Singapore│3 PM Jakarta│12:00 PM Dubai│10:00 AM CET

The Future Banking Working Group (FBWG) invites you to our upcoming Open Dialogue Session: "How fintechs are reshaping SME lending", where we will explore the structural barriers for small and medium enterprises (SMEs) in accessing credit, navigating digital payments, and scaling across platforms and borders. As regulatory expectations rise and technology reshapes financial delivery, banks have opportunities to enhance how they serve this high-potential segment.

Kelvin Teo is the co-founder and Group CEO of Funding Societies | Modalku Group, and a recognised leader in digital finance. In this open dialogue session, he will share insights from scaling a pan-regional digital lender focused on SMEs. He will reflect on how private credit and platform-based models are reshaping the traditional role of banks as credit intermediaries, and how financial institutions can respond through partnerships that preserve compliance while scaling client reach.

In this session, Kelvin will share his views on:

🔹The macroeconomic importance of SME finance and the evolving expectations of SME clients across the credit lifecycle

🔹How banks and fintechs are rethinking credit models through data, embedded finance, and alternative funding sources

🔹What it takes to build scalable, compliant SME lending infrastructure through technology, regulation, and partnerships

Agenda (SGT)

🕓 4:00 PM- 4:10 PM: Introduction of How fintechs are reshaping SME lending discussion by Urs Bolt 博尔特, Chairman, The Banking Academy

🕓 4:10 PM – 4:40 PM: Fireside chat with Urs Bolt and Kelvin Teo, co-founder and Group CEO of Funding Societies | Modalku

🕓 4:40 PM – 5:00 PM: Q&A

To join the workshop, please click here to register: https://bit.ly/4fBKRjV

05/06/2025

Eid al-Adha Mubarak from all of us at TAB Global! 🕋

Let us come together in gratitude and reflection—celebrating with loved ones and extending generosity to those in need.
Here’s to a meaningful and joyful Eid for you and your family.

🌟 Share your Eid moments with us in the comments below!

30/03/2025

Eid al-Fitr Mubarak from all of us at TAB Global! 🌙

As we welcome the end of Ramadan, may your days be filled with joy, your heart with peace, and your moments with meaning.

Let’s celebrate the spirit of togetherness, gratitude, and renewal. Whether you're with family, friends, or community—may this Eid bring you warmth, love, and laughter.

✨ Share your celebrations with us in the comments!

27/03/2025

🏦 What Really Counts as a Bank? Clearing Up the Digital Banking Confusion

In this Future Bank Working Group session, Brian Lo, Risk Management & Regulatory Strategy Expert, breaks down a critical distinction in the world of digital finance: not every company calling itself a "bank" is actually licensed as one.

💡 From payment platforms to full-fledged digital banks, the regulatory landscape matters—and knowing who’s allowed to do what can make or break your compliance strategy.

🔹 The difference between payment licences vs full banking licences
🔹 Why some fintechs stretch the term "bank"—and why regulators care
🔹 Surprising players in the digital banking space (yes, even 7-Eleven in Japan!)

📊 See the infographics in this 90-second teaser and get clarity on the evolving definitions in digital finance.
Want to dive deeper? Full session available free for Future Bank Working Group (FBWG) members.

👉 Join FBWG to unlock the full video and more: https://futurebank.tabinsights.com/workshop/tactical-skills-workshop--managing-balance-sheet-risks-of-a-digital-bank
👉 Or purchase this session for $200 USD: https://futurebank.tabinsights.com/product-payment/572

🎥 Watch now and get smart on what separates a bank from a bank-like.

24/03/2025

🏦 Digital-First, Regulator-Backed: How Virtual Banks Are Reshaping the Industry

Hear directly from Bryan Lo, Risk Management & Regulatory Strategy Expert, in this exclusive Future Bank Working Group session, as he unpacks how virtual banks—once newcomers—are now credible, regulator-endorsed players challenging traditional banking head-on.

💡 Discover how early regulatory frameworks in markets like Hong Kong, Singapore, and the UK were designed to encourage tech-led entrants—and how fintech-driven infrastructure is delivering efficiency, inclusion, and innovation.

🔹 Why virtual banks aren’t just techy sideshows—they’re competing for the same deposits
🔹 The strategic role of fintech sponsors in scaling faster and smarter
🔹 Where the biggest growth opportunities are in Asia and beyond

📊 Get the big picture in this 90-second teaser—complete with regional snapshots and real-world context.
Want the full session? It's free for Future Bank Working Group (FBWG) members.

👉 Join FBWG to access all workshops: https://futurebank.tabinsights.com/workshop/tactical-skills-workshop--managing-balance-sheet-risks-of-a-digital-bank
👉 Or purchase this full video for $200 USD: https://futurebank.tabinsights.com/product-payment/572

🎥 Watch now and stay ahead of the digital banking curve.

20/03/2025

Chinese private banks launch integrated entrepreneur-oriented services as market and regulatory pressures mount
Read the full article: https://tabinsights.com/article/chinese-private-banks-launch-integrated-entrepreneur-oriented-services-as-market-and-regulatory-pressures-mount

With wealth creation slowing and economic uncertainty rising, China’s private banks are undergoing a major shift. Entrepreneurs—who make up 60-70% of private banking clients—are now prioritizing business sustainability over personal wealth accumulation.

🏦 How leading banks are adapting:
✔ Industrial Bank gained 1,000+ corporate clients through private banking, with a 53% YoY increase.
✔ ICBC Private Bank built 2,000 entrepreneur service centers, engaging 350,000+ clients.
✔ Banks are integrating business financing, strategic advisory, and operational support into their wealth management services.

This transformation isn’t just strategic—it’s essential for survival. The future of private banking in China lies in seamlessly supporting both personal wealth and business growth.

How do you see this shift shaping the industry?

Industrial and Commercial Bank of China Limited (ICBC), Bank of China, CCB Asia 中國建設銀行（亞洲）, 中信銀行(國際) China CITIC Bank International

18/03/2025

Tactical Skills Workshop: Open Banking to Open and Embedded Finance

📅 Thursday, 20 March 2025
🕘 4:00PM Beijing/Singapore│3:00PM Jakarta│12:00PM Dubai│9:00AM CET

The Future Banking Working Group (FBWG) would like to invite you to our upcoming session on "Open Banking to Open Finance and Embedded Finance." This workshop will explore the evolution of Open Banking into Open Finance and its integration into Embedded Finance.

In this insightful workshop, we'll explore
🔹 How Open Banking has expanded into Open Finance and enables seamless financial services integration through Embedded Finance.

🔹 The global regulatory frameworks governing Open Finance, including PSD2, GDPR, and evolving data-sharing standards.

🔹 Insights into API-driven ecosystems, fintech partnerships, and the role of AI, blockchain, and cloud technologies in financial services.

🔹 Real-world applications of Embedded Finance, including BNPL (Buy Now, Pay Later), Banking-as-a-Service (BaaS), and personalized financial solutions for consumers and businesses.

🔹 How organisations can leverage Open Finance and Embedded Finance to unlock new revenue streams, enhance customer experiences, and drive innovation in financial services.

Agenda:
🕓 4:00 PM – 4:10 PM: Opening Remarks by Urs Bolt 博尔特, Chairman, The Banking Academy
🕓 4:10 PM – 4:40 PM: Presentation by John Januszczak, President & CEO, UBX
🕓 4:40 PM – 5:00 PM: Q&A Session followed by Closing Remarks

To join the workshop, please click here to register: https://futurebank.tabinsights.com/workshop/from-open-banking-to-open-and-embedded-finance

12/03/2025

🏦 From Chatbots to Decision-Makers: How Agentic AI Automates Resource-Heavy Tasks

Hear it straight from Dr. Sina Wulfmeyer, Chief Data Officer at Unique, a Swiss-founded AI platform for finance that just secured $30M in Series A funding on Feb 28.

In this exclusive Future Bank Working Group session, Sina unpacks the game-changing role of Agentic AI in banking—where AI goes beyond automation to actively reason, plan, and take initiative.

🔹 How does Agentic AI streamline workflows and enhance client services?
🔹 Real-world use cases in retail banking and key compliance considerations to keep in mind.

Get a sneak peek in this 90-second teaser—and if you want the full session, it's free for current FBWG members. Not a member yet?

👉 Become a member today to access this and all future tactical workshop recordings here: https://futurebank.tabinsights.com/workshop/tactical-skills-workshop-introduction-to-agentic-ai-in-banking or
👉 Purchase the full video for $200 USD.

To join the workshop, please click here to register: https://lnkd.in/gjGBe8vB

👀 Watch now & stay ahead in the AI revolution.

07/03/2025

🏦From Chatbots to Decision-Makers: How Agentic AI Automates Resource-Heavy Tasks

Hear it straight from Dr. Sina Wulfmeyer, Chief Data Officer at Unique, a Swiss-founded AI platform for finance that just secured $30M in Series A funding on Feb 28.

In this exclusive Future Bank Working Group session, Sina unpacks the game-changing role of Agentic AI in banking—where AI goes beyond automation to actively reason, plan, and take initiative.

🔹 How does Agentic AI streamline workflows and enhance client services?
🔹 Real-world use cases in retail banking and key compliance considerations to keep in mind.

Get a sneak peek in this 90-second teaser—and if you want the full session, it's free for current FBWG members. Not a member yet?

👉 Become a member today to access this and all future tactical workshop recordings here: https://futurebank.tabinsights.com/workshop/tactical-skills-workshop-introduction-to-agentic-ai-in-banking or
👉 Purchase the full video for $200 USD.

👀 Watch now & stay ahead in the AI revolution.

04/03/2025

India’s banking sector soars with record profitability

India’s banks have climbed the global rankings, now placing fourth in net profit share, surpassing France.

🔹 Kotak Mahindra Bank Ltd.: Most profitable in India, with a 22% rise in net profit to $2.2B, driven by lending growth and acquisitions.

🔹 State Bank of India (SBI): Highest net profit at $8.4B, ranking 6th in APAC and 28th globally, benefiting from government support and efficiency improvements.

🔹 HDFC Bank: Strong private sector leader with a $7.9B net profit, boosted by its 2023 merger but facing rising costs.

🔹 ICICI Bank & Others: ICICI excels in operational efficiency, while Punjab National Bank (PNB) sees the highest profit growth (172.6%) due to asset recovery.

Read the full article to explore how Indian banks are reshaping global finance.
Read the full article: https://tabinsights.com/article/india-s-banking-sector-soars-with-higher-profit-growth

Axis Bank, Bank of Canada, IndusInd Bank, Punjab National Bank, RBI Says, Standard Chartered India

Kotak Mahindra Bank is the most profitable bank in India, while State Bank of India reports the largest net profit. Indian banks place fourth globally in net profit share, surpassing France.

26/02/2025

Alipay and Revolut lead platforms reshaping the financial landscape
Read the full article: https://tabinsights.com/article/alipay-and-revolut-lead-platforms-reshaping-the-financial-landscape

Asia is leading in financial platform development and adoption, with Alipay building a vast ecosystem and global reach, while Revolut excels in user acquisition and financial performance.

Alipay and Revolut have secured the top positions in the TABInsights World’s Best Financial Platforms Ranking for 2025. This year’s evaluation has been expanded to cover the top 30 financial platforms in the world, which are technology-driven ecosystems offering a wide range of financial services and tools through digital interfaces. They harness technology to simplify, innovate and democratise access to financial products and services.

Boost, Careem, COL Financial Group, Inc., Curve, DANA INDONESIA, Fawry, GCash, GoTo, Grab, Klarna, Mercado Libre, Mercado Pago, MobiKwik, N26, OVO, PayPal, PayPay株式会社, Paytm, PhonePe, PicPay, ソフトバンク（SoftBank）, 토스뱅크, Touch ‘n Go eWallet, TrueMoney Philippines - Money Padala and Bills Payment, WeChat Pay MY, Wise