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Articles and opinions by Chris Kapfer

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Absa Bank infused a new sense of ownership and growth after split with Barclays group
Date: Jan 15, 2021   |   Author: Chris Kapfer | Case Study
Despite fierce competition from its local South African peers and some Nigerian banks, Absa emerged as the Best Retail Bank in Africa
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StanChart Ghana's ‘SC Mobile’ digital bank opens new revenue streams
Date: Jan 14, 2021   |   Author: Chris Kapfer | Case Study
Standard Chartered Ghana outperformed major local rivals such as Stanbic Bank and Fidelity Bank in areas such as digital, customer experience, and risk management to win best retail bank in Ghana in 2020. While lacking market competitiveness in its product stack in Ghana, it was voted among the best retail banks in digital channels in Africa and among the most helpful retail banks in its COVID-19 response in the BankQuality Africa Customer Survey
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New digital entrants face off with banks in Taiwan’s retail banking market
Date: Mar 12, 2020   |   Author: Chris Kapfer | Research Note
Taiwan’s retail banking market is a highly mobile and digital maturing consumer market which continues to rely extensively on community branch banking services.
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Financial health top fear in Asia amid COVID-19 spread
Date: Mar 05, 2020   |   Author: Chris Kapfer | News Analysis
A recent survey of 3,000 respondents in Indonesia, Japan, Korea, Philippines, Singapore and Thailand reveals that financial health beat well-being as top fear in Asia.
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Real-time retail payment systems in Thailand and India experience rapid growth
Date: Jan 28, 2020   |   Author: Chris Kapfer | Research Note
Peer-to-peer payment themes in India, Thailand, Australia, Hong Kong and the Philippines have taken off with varying degrees of success but adoption is hampered by lack of commitment, and in some cases, by high customer charges among the largest banks.
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eKYC in emerging markets opens new avenues for growth
Date: Dec 18, 2019   |   Author: Chris Kapfer | Research Note
With the reprieve on know your customer regulations on certain segments, banks and new challengers are rapidly integrating eKYC into their processes to offer customers an improved onboarding journey
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Branch decline continues across markets in the Middle East, Asia Pacific and Africa
Date: Nov 28, 2019   |   Author: Chris Kapfer | Research Note
Customers make decisions on primary banking relationship based on assumed needs for multiple network point convenience, even though they may patronise one point most often. In the debate over the role and future of bank branches, ultimately the only opinion that counts is the consumer’s.
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Banks continue to hold the commercial strings in Vietnam’s rapidly developing payments landscape
Date: Oct 18, 2019   |   Author: Chris Kapfer | Datafiles
Vietnam is likely to emerge as a significant consumer-driven market, placing it in the Asian consuming class of Indonesia and the Philippines with a gross domestic product (GDP) per capita between $2,800-$3,500 by 2020, in which mass automobile ownership takes off.