Digital Banking Survey in HK and How it Relates to Open Banking
summary
A one‑to‑one survey interviews 35 senior banking executives from 17 traditional banks and three virtual banks in Hong Kong and finds concrete gaps: 75% say they use less than 30% of collected data, 81% rank open APIs as the most relevant tech for 2–3 year digital transformation, and 70% expect tech giants to lead disruption. Banks plan API-led partnerships, AI for hyper‑targeting and RM automation, and Greater Bay Area cross‑border use cases (wealth connect, property valuation, SME service portals).
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chapters (13)
- 0:00Digital banking survey intro
- 2:30Survey purpose and scope
- 4:36Digital banking innovation investments
- 6:44Hyper-targeting challenges
- 8:27AI in banking transformation
- 10:54Data management insights
- 11:57Greater Bay Area opportunities
- 12:39Open API as driver
- 15:08Three API innovation models
- 18:59Cross-border API use cases
- 21:09SME service portals via API
- 22:54Findings and API strategies
- 23:15Q&A on API regulations
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