Retail Finance

2018
2017

We believe that the best digital financial services providers have demonstrated exceptional effort and mastery in the industry by going beyond digitising products, and services, while also transforming the entire franchise through focus on organisational agility and simplification, brand equity, and overall consumer experience. For a full explanation of each of the evaluation criteria please click here. The criteria were refreshed in 2018 and will be updated from now on.

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Rank Financial Institutions Bottom
Line
Impact
Organisation Digital
& Innov
Operations Big Data
& Analytics
Technology Transactions Total
Scores
1 Ant Financial Services China 7.3 6.1 5.7 6.5 5.5 4.8 4.5 40.4
2 Tencent Financial Technologies China 6.8 5.8 5.4 6.5 5.0 4.8 5.0 39.3
3 JD Finance China 5.0 5.0 5.0 6.0 4.0 4.1 4.0 33.1
4 Kakao Bank Korea 5.4 4.4 3.6 5.9 1.5 3.8 3.7 28.2
5 WeBank China 6.0 3.9 3.0 5.3 2.0 3.9 4.0 28.1
6 MyBank China 5.7 3.9 2.9 5.3 2.0 4.0 3.7 27.5
7 U Bank/NAB Australia 6.1 3.9 3.4 5.3 1.5 3.5 3.0 26.7
8 ING Australia 6.3 3.9 3.2 5.0 1.5 3.2 3.2 26.2
9 CBA Australia 4.2 5.3 4.2 3.0 3.0 3.8 2.6 26.1
10 China Merchants Bank 5.5 4.4 3.2 4.0 2.0 3.4 3.3 25.7
11 Digibank/DBS India 4.5 4.4 3.6 2.3 1.8 4.2 2.6 23.3
12 Paytm Payments Bank India 5.4 3.9 3.8 2.5 1.5 3.8 2.4 23.3
13 ALAT/Wema Nigeria 4.1 4.3 3.6 2.8 1.5 3.6 3.3 23.1
14 CIMB Malaysia 4.0 4.4 4.2 2.9 1.5 3.8 1.9 22.7
15 Rakuten Bank Japan 5.5 4.7 3.2 2.0 1.5 3.4 2.1 22.5
16 Jibun Bank Japan 4.9 4.3 3.0 2.5 1.5 3.8 2.1 22.1
17 Liv/Emirates NBD UAE 4.2 4.4 3.9 1.5 1.8 3.1 3.1 22.0
18 CTBC Taiwan 4.2 4.6 2.7 2.5 2.8 3.0 2.1 21.9
19 Hana Bank Korea 3.1 4.2 4.2 2.8 1.8 3.9 2.1 21.9
20 Westpac Australia 3.4 5.0 2.1 2.5 3.2 2.6 2.5 21.3
21 DBS Singapore 2.8 5.0 3.6 1.8 2.8 3.2 2.0 21.2
22 Richart/Taishin Taiwan 3.8 4.2 2.6 2.0 1.9 2.8 3.5 20.6
23 O-Bank Taiwan 4.2 4.3 2.4 2.0 1.8 2.8 3.1 20.5
24 OCBC Singapore 3.3 4.4 2.9 2.3 2.8 2.9 2.0 20.5
25 ICICI Bank India 3.4 4.9 2.3 2.3 1.8 3.6 2.0 20.1
26 Citibank Hong Kong 2.6 4.4 3.0 2.3 2.0 2.6 2.8 19.6
27 FriMi/NTB Sri Lanka 3.2 3.9 2.4 3.8 1.3 3.4 1.6 19.6
28 Jenius/BTPN Indonesia 3.3 3.1 1.5 1.8 1.0 3.3 3.3 17.3
29 Standard Chartered Hong Kong 2.7 3.9 2.1 1.9 1.5 2.6 2.1 16.7
30 Eon/UnionBank Philippines 2.9 3.3 1.5 1.8 1.0 3.4 2.7 16.7
31 Timo Vietnam 3.3 2.3 2.0 1.0 1.8 2.8 3.1 16.3