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Consumer Insights
Innovations in Everyday Banking 2025
This report provides a roundup of innovations within multiple retail banking, payments, and wealth management markets, with a particular focus on digital banking, buy now pay later, and cryptocurrencies. The report explores the shifts in customer behavior towards bank branches, saving drivers, investment platforms, in-store payments, cash, and cryptocurrencies. Mobile banking is becoming the ‘norm’. With growing accessibility to mobile and online banking, the drive for digitalized everyday banking has increased globally. Mobile banking adoption has accelerated globally over the...
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Sector Analysis
Digital Challenger Banks: The Age of Profitability
This report examines the strategic positioning of digital banks in the retail and SME banking industries. It addresses the history of how digital banks entered the market and gained traction, building significant consumer bases by addressing the pain points of large, underserved consumer segments. The report then discusses the general strategies with which digital banks managed to approach profitability and gives case studies of the most successful digital banks across the globe, with insights into how these banks can maintain...
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Company Insights
Bank of Nova Scotia (Scotiabank): Digital Transformation Strategies
The Bank of Nova Scotia, commonly known as Scotiabank, is one of the largest banks in Canada, offering a wide range of financial products and services, including bank accounts, credit cards, investment instruments, loans & lines of credit, mortgages, and insurance products. The bank categorized its operations into four operating segments: Canadian Banking, International Banking, Global Banking and Markets, and Global Wealth Management. Canadian Banking offers financial advice and banking solutions to Scotiabank’s Retail, Business Banking, Canadian Commercial Banking and...
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Thematic Analysis
ESG in Banking in the Age of Trump: Strategic Intelligence
In 2021, various bank CEOs declared ESG their number one strategic priority, rushed to outdo each other on ambitious net-zero claims, created new chief sustainability officer roles, brought in dedicated ESG headcount, and implemented wide-ranging diversity, equity, and inclusion (DEI) policies. Since then, the anti-ESG movement has grown steadily—sentiment that will only intensify under President Donald Trump, who signed an executive order withdrawing the US from the Paris Agreement hours after taking office, before scaling back DEI policies. This presents...
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Sector Analysis
Hong Kong (China SAR) Retail Banking Competitor Benchmarking: Financial Performance, Customer Relationships and Satisfaction
This report benchmarks the largest retail banks in Hong Kong (China SAR) across a range of financial and customer satisfaction metrics. The report analyzes gains/losses in market share, depth of customer relationships, consumer pain points, and key metrics including NPS, cross-selling, and digital satisfaction. The Hong Kong (China SAR) retail banking market is experiencing rapid digital transformation, with customer expectations shifting towards mobile-first banking solutions and real-time financial management tools. Traditional banks face increasing competition from digital-first challengers, particularly among...
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Company Insights
Singapore Retail Banking Competitor Benchmarking: Financial Performance, Customer Relationships and Satisfaction
This report benchmarks the largest retail banks in Singapore across a range of financial and customer satisfaction metrics. The report analyzes gains/losses in market share, depth of customer relationships, consumer pain points, and key metrics including Net Promoter Score, cross-selling, and digital satisfaction. The Singapore retail banking market remains concentrated with low penetration by digital challengers, with Trust Bank and GXS Bank being the largest two such entrants. Despite this, local banks have lost share to international competitors such as...
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Company Insights
Australia Retail Banking Competitor Benchmarking: Financial Performance, Customer Relationships and Satisfaction
This report benchmarks the largest retail banks in Australia across a range of financial and customer satisfaction metrics. The report analyzes gains/losses in market share, depth of customer relationships, consumer pain points, and key metrics including NPS, cross-selling, and digital satisfaction. The Australian retail banking landscape is undergoing significant shifts as digital-first banking, customer engagement, and competitive product offerings redefine the market. The Big Four banks-ANZ, Westpac, NAB, and CommBank-continue to dominate, but smaller banks are gaining traction by providing...
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Thematic Analysis
Open Banking: Strategic Intelligence
This report identifies the key players within open banking, covering both direct-to-consumer providers and technology vendors/partners. It offers a definition of open banking located within relevant regulatory and legal context. The trends section identifies the key developments expected to shape the evolution of the theme across the next 12–24 months. The industry analysis section profiles open banking progress globally, identifying 61 countries with some type of regime in development or already live, as well as providing regional commentary to compare...
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Sector Analysis
Beyond Banking for Consumers - The Next Frontier
This report provides an overview and analysis of the current state of beyond banking and ecosystem banking. It highlights some of the existing beyond banking solutions global incumbents have implemented across the likes of financial wellness and education, marketplace and lifestyle benefits, community engagement and education, and housing-related services. The report also provides an outlook for the beyond banking space, including future opportunities and considerations for stakeholders across the current banking products and services value chain. Beyond banking involves banks...
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Thematic Analysis
Generative AI in Banking - Strategic Intelligence
This report examines the adoption of Generative AI in banking. It summarizes the key trends within technology, macroeconomics, and regulation impacting Gen AI across the next 12–24 months, to establish key gridlines of change. It then provides an industry forecast of the expected adoption of AI and Gen AI, specifically with banking, before delving into indicative case studies within products and services, channels, operations, and infrastructure. A delivery model section is also presented, elucidating how banks are setting up organizationally...
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