The future of hyper--personalised Financial Services in South East Asia
summary
Brick positions Southeast Asia toward 22 trillion e‑money processed and 150 million transactions (Sept 2020) as proof that instant hyper‑personalized finance is feasible. Concrete products include adaptable multiplier savings accounts, automated savings pots, multi‑variable credit decisions and variable credit lines, and just‑in‑time portfolio rebalancing. Practical steps: link accounts, build a data warehouse, obey Indonesia’s personal data protection rules and OJK approvals, or use aggregators that provide a unified API, standardization, and maintenance so teams can launch quickly.
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chapters (20)
- 0:00Introduction
- 0:51Brick and SEA finance overview
- 1:32Success patterns in tech brands
- 2:14Current SEA financial services
- 3:17Digital transformation in Indonesia
- 4:19Shift to demand-driven services
- 5:50Personalized finance in 2020
- 6:32Hyper-personalized savings
- 8:00Hyper-personalized lending
- 9:29Hyper-personalized investments
- 10:31Harnessing hyper-personalization
- 11:56Open banking and data aggregators
- 12:17Closing remarks
- 12:39Q&A on personalization
- 14:23Data for hyper-personalization
- 16:49Building APIs for finance
- 17:31API regulatory processes
- 19:18Benefits of data aggregators
- 20:20Permission layers in data sharing
- 21:45Mechanisms for data sharing
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