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Articles and opinions by Chris Kapfer

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Ripple’s Gupta: “There is a significant amount of movement from high street banks interested in the network.”
Date: Feb 06, 2019   |   Author: Chris Kapfer | Interviews
Ripple discusses how it wants to scale its business further in the region in 2019
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WeBank applies blockchain technology to its micro loan business
Date: Dec 12, 2018   |   Author: Chris Kapfer | Case Study
WeBank, a digital micro lender of Tencent Financial Technologies, applies blockchain to create transparency and trust with its business partners and aims to offer its platform as a service.
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Top digital retail financial services provider in the Asia Pacific, Middle East and Africa
Date: Dec 05, 2018   |   Author: Chris Kapfer | Research Note
The most competitive digital retail financial institutions come all but from China, and the elite club of the top 10, representing all non-bank financial players, are exclusively from China, Korea and Australia
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The battle for digital customers - a global perspective
Date: Nov 27, 2018   |   Author: Chris Kapfer | Research Note
Globally, commercial banks have demonstrated that they are not the underdogs when it comes to growing the number of digital users. They compete well in most markets under review against the best neo-banks and digital financial institutions (FIs). However, the dramatic rise in digital user base of neo-banks in recent months may erode this lead.
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Emirates NBD leverages on virtual assistant for phone banking optimisation
Date: Nov 15, 2018   |   Author: Chris Kapfer and Neeti Aggarwal | Case Study
While steering the calls, Eva reduced incorrect routing by 73% and has also resulted in overall 50% reduction in the time taken to digitally serve a customer as compared to IVR.
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AL Ahli Bank’s Lockie: “We wanted to make sure that our foundation is ready to be able to adapt what is to come from digital offerings”
Date: Aug 29, 2018   |   Author: Chris Kapfer | Interviews
Al Ahli Bank gained a competitive edge in a challenging market with its successful core banking replacement and focus on simplicity
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Koda Capital’s Heath: “The organisational DNA that makes a very successful commercial bank is often very counterproductive in a wealth context”
Date: Aug 21, 2018   |   Author: Chris Kapfer | Interviews
Paul Heath, founding partner and chief executive officer, Koda Capital in Australia, believes the breakdown of Australian banks’ vertically integrated wealth management model has been brewing since the global financial crisis.
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Whither digital transformation? The emergence of global digital finance institutions
Date: Jul 16, 2018   |   Author: Chris Kapfer | Datafiles
As the race towards digitalisation intensifies, the relationship between banks and “big tech” companies is increasingly marked by collaboration and synergy, not just competition



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The following sections outline our proprietary methodology, which subscribers can use as a guide to understand the various research notes and analysis.
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