Amazines Free Article Archive - Wednesday, May 22, 2019
Read about the most recent changes and happenings at
Log into your account or register as a new author. Start submitting your articles right now!
Search our database for articles.
Subscribe to receive articles emailed straight to your email account. You may choose multiple categories.
View our newest articles submitted by our authors.
View our most top rated articles rated by our visitors.
* Please note that this is NOT the ARTICLE manager
Add a new EZINE, or manage your EZINE submission.
Add fresh, free web content to your site such as newest articles, web tools, and quotes with a single piece of code!
Home What's New? Submit/Manage Articles Latest Posts Top Rated Article Search
Subscriptions Manage Ezines
 Article Archive
 Advertising (133295)
 Advice (160816)
 Affiliate Programs (34734)
 Art and Culture (73674)
 Automotive (145642)
 Blogs (75018)
 Boating (9841)
 Books (17130)
 Buddhism (4124)
 Business (1328281)
 Business News (426309)
 Business Opportunities (366257)
 Camping (10952)
 Career (72762)
 Christianity (15839)
 Collecting (11636)
 Communication (115054)
 Computers (241947)
 Construction (38992)
 Consumer (49679)
 Cooking (17061)
 Copywriting (6567)
 Crafts (18204)
 Cuisine (7538)
 Current Affairs (20380)
 Dating (45774)
 EBooks (19685)
 E-Commerce (48193)
 Education (185180)
 Electronics (83491)
 Email (6389)
 Entertainment (159819)
 Environment (28933)
 Ezine (3038)
 Ezine Publishing (5443)
 Ezine Sites (1553)
 Family & Parenting (110897)
 Fashion & Cosmetics (196383)
 Female Entrepreneurs (11842)
 Feng Shui (130)
 Finance & Investment (310257)
 Fitness (105903)
 Food & Beverages (62849)
 Free Web Resources (7938)
 Gambling (30213)
 Gardening (25079)
 Government (10513)
 Health (629243)
 Hinduism (2206)
 Hobbies (44032)
 Home Business (91544)
 Home Improvement (251321)
 Home Repair (46116)
 Humor (4815)
 Import - Export (5449)
 Insurance (45118)
 Interior Design (29544)
 International Property (3485)
 Internet (190967)
 Internet Marketing (146303)
 Investment (22824)
 Islam (1168)
 Judaism (1357)
 Law (80457)
 Link Popularity (4592)
 Manufacturing (20838)
 Marketing (98757)
 MLM (14136)
 Motivation (18211)
 Music (26998)
 New to the Internet (9476)
 Non-Profit Organizations (4048)
 Online Shopping (129608)
 Organizing (7802)
 Party Ideas (11856)
 Pets (38081)
 Poetry (2234)
 Press Release (12670)
 Public Speaking (5620)
 Publishing (7522)
 Quotes (2407)
 Real Estate (126610)
 Recreation & Leisure (95247)
 Relationships (87449)
 Research (16157)
 Sales (80313)
 Science & Technology (110157)
 Search Engines (23445)
 Self Improvement (153090)
 Seniors (6228)
 Sexuality (35942)
 Small Business (49281)
 Software (82955)
 Spiritual (23461)
 Sports (116071)
 Tax (7658)
 Telecommuting (34064)
 Travel & Tourism (307161)
 UK Property Investment (3118)
 Video Games (13422)
 Web Traffic (11724)
 Website Design (56803)
 Website Promotion (36556)
 World News (1000+)
 Writing (35761)
Author Spotlight

Mobile Styles, the leading on-demand Beauty & Health app in the U.S. delivers talented professionals...more

I am an essay writer with vast experience in data analysis, PowerPoint writing and research paper ed...more

Former English Teacher; Musician (20+ years); Freelance Writer ...more

Barry K. Brown has been in the Sign, Banner, Decal and Display Business for over 20 years. It isn't ...more

I am a single mother of a beautiful little girl. I like ghost hunter wednesdays. I love Oreo's dippe...more

Malaysian Consumers embrace Ease Brought to Banking by Digital Platforms: Ken Research by Ankur Gupta

Article Author Biography
Malaysian Consumers embrace Ease Brought to Banking by Digital Platforms: Ken Research by
Article Posted: 12/16/2016
Article Views: 356
Articles Written: 1063
Word Count: 728
Article Votes: 0
AddThis Social Bookmark Button

Malaysian Consumers embrace Ease Brought to Banking by Digital Platforms: Ken Research

Finance & Investment
Ken research announced its recent publication on “Retail Banking Country Snapshot: Malaysia 2016,” which offers insight on retail banking sector in Malaysia, which is highly concentrated upon the current account, savings, mortgage and personal loans markets which includes both market-level data and information from global retail banking insight survey. Furthermore, the report offers an in-depth analysis of consumer approach towards the financial sector and how it has evolved over a period of time including who are dominating the market and what factors persuaded them to make such decisions. Likewise it includes the shrewd investigation of the extent of consumers using internet and mobile channels to do their research on financial products. Driving exponential development in retail banking is turning to be challenging across Asian emerging markets (EMs), including China, Malaysia, Indonesia, Thailand and India. The slowdown in the pace of growth is brought by slowing GDP growth in countries such as Indonesia, Thailand and China, turning credit cycles in Thailand and Malaysia and continued volatility in currency and commodity markets. Despite the relative slowdown, the absolute scale of the opportunity is anticipated to be very large. The growth will be fuelled by the extension of access to financial services to an additional 250 million households and the increasing need for financial services from another 90 million households as the transition from the mass market to the mass affluent segment. Institutions that make the right move in four significant areas of opportunity across these markets will grow at a much faster pace than others, often by two to four times. For example, “winner” banks in Indonesia may be able to grow their risk-adjusted retail revenue by 10 percent per annum over the next five years while the “laggards” will fight to grow more than 2 to 3 percent per annum Growth Opportunities Adoption of digital channels, products and business models We believe that digital-led / digital-only products and business models will see much greater proliferation across EMs over the next five years. Its pace and impact will be somewhat market-specific. Banks that have been early investors in data infrastructure, big data analytics and internal agile management practices will be at a significant advantage when the digital segment starts driving banking revenue pools in “digital-ready” markets across Asia. China is already undergoing such a phase of transformation, with Malaysia, India and Indonesia to follow next.

Untapped opportunity in small- and medium-sized enterprises (SMEs) SMEs drive financial growth in most EMs and represent a significant financial services opportunity however; getting SME banking right is often difficult, given organizational and operational challenges. EM banks that get the SME segment right generate significant financial benefits with a typical return on equity upward of 20 percent and a well-balanced loan-to-deposit ratio of 80 to 120 percent. Sustainable growth in retail credit Retail credit is anticipated to remain a major component of retail banking revenue growth, contributing 20 to 30 percent of total growth across markets in emerging Asia; however, a number of these markets have started seeing deterioration in credit quality that often looks poised to get worse, given the negative macroeconomic outlook and alarmingly high debt-to-disposable income ratio in some markets such as China, Malaysia and Thailand. Building next generation risk-management capabilities while pursuing growth initiatives will be a key to sustainable performance in retail credit.

Development of an affordable banking proposition The affordable banking segment incorporates the unbanked population along with the section of the mass market that is presently underserved by banks. Serving this section has long been treated as a commercially unviable strategy and is often done for the sake of social good, but near-universal access to mobile phones, rapidly improving digital infrastructure, availability of new data sources and prudent regulatory actions are changing the dynamics of this segment. We believe that a mobile-led banking proposition delivered via partnership with existing distribution channels (retail stores working as transaction points) and leveraging alternate data sources for managing risk can be a game changer in this segment. Non-bank payment-led models such as M-Pesa, WING, TrueMoney and Paytm have so far created big impact in this space than banks, but banks have now started focusing on this segment as their core customer segment.

To know more on the coverage, tap on the link underneath:

Related Reports

Contact: Ken Research Ankur Gupta, Head Marketing & Communications +91-124-4230204

Related Articles - Global retail banking industry, Asia retail banking industry, Retail banking industry research,

Email this Article to a Friend!

Receive Articles like this one direct to your email box!
Subscribe for free today!

 Rate This Article  
Completely useless, should be removed from directory.
Minimal useful information.
Decent and informative.
Great article, very informative and helpful.
A 'Must Read'.


Do you Agree or Disagree? Have a Comment? POST IT!

 Reader Opinions 
Submit your comments and they will be posted here.
Make this comment or to the Author only:
*Your email will NOT be posted. This is for administrative purposes only.
Comments: *Your Comments WILL be posted to the AUTHOR ONLY if you select PRIVATE and to this PUBLIC PAGE if you select PUBLIC, so write accordingly.
Please enter the code in the image:

 Author Login 
Register for Author Account


Advertiser Login


   Limited Time $60 Offer!
   90  Days-1.5 Million Views  


Great Paranormal Romance

World News


Author of four books and two screenplays; frequent magazine contributor. I have four other books "in...more

Steve Bye is currently a fiction writer, who published his first novel, ‘Looking Forward Through The...more

Stevert Mckenzie, Travel Enthusiast. ...more

Susan Friesen, founder of the award-winning web development and digital marketing firm eVision Media...more

Paul Azorin Chief Technology Officer at BairesDev Pablo Azorín is the Founder and Chief Techno...more

James is a Research Enthusiast that focuses on the understanding of how things work and can be impro...more

Warm greetings to you!! Hello there, my name is Treena (Smiley) Murphy I am a part time blogge...more

At LeadGenerators, we specialise in content-led Online Marketing Strategies for our clients in the t...more

About Us Luminhome Lighting provide one-stop services in lighting design and manufacture of LED lum...more

Kiranpreet (Kiran) Kaur, D.D.S., who received her Doctor of Dental Surgery degree from the prestigio...more

HomeLinksAbout UsContact UsTerms of UsePrivacy PolicyFAQResources
Copyright © 2019, All rights reserved.
Some pages may contain portions of text relating to certain topics obtained from under the GNU FDL license