UKDigitalFinance19

Retail Finance

2018
2017

We believe that the best digital financial services providers have demonstrated exceptional efforts and mastery by going beyond digitising products, and services, while focusing on organisational agility, simplification, and a focus on core customer needs. For a full interpretation of the results and an explanation of the evaluation criteria please go to our research note Top digital retail financial services provider in the Asia Pacific, Middle East and Africa.. The ranking was undertaken first in FY2017 and will be update bi-annually.

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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