穆迪:数字银行抢滩 大银行没在怕小银行受夹击
(吉隆坡4日讯)穆迪认为,我国传统大型银行不畏惧数字银行抢滩,但小型银行面对的竞争将加剧。
数字银行执照的颁发,引发市场对我国银行竞争愈发激烈的担忧;穆迪投资者服务就认为,6大银行集团并不畏惧这些新对手。
被点名的6大银行,包括有马银行(MAYBANK,1155,主板金融股)、联昌国际(CIMB,1023,主板金融股)、大众银行(PBBANK,1295,主板金融股)、兴业银行(RHBBANK,1066,主板金融股)、丰隆银行(HLBANK,5819,主板金融股),以及大马银行(AMBANK,1015,主板金融股)。
这些银行根深蒂固的特许经营权,以及持续增强数字功能,都被认为可以提高客户粘性。
“他们一直在开发自己的超级应用程式,允许客户访问完整的金融产品和服务,包括接入各种数字支付接口。”
我国政府强化数字支付系统,包括实施DuitNow二维码等努力,也有助于正在大力数字化的传统银行。
穆迪因此认为,“数字银行在未来4至7年,不会对现有大银行的市场份额产生重大影响,因为这些数字银行规模仍较小。”
不过,对于我国小型银行而言,如今不仅将面对大型银行的竞争,数字银行的加入或将让它们腹背受敌。
“由于资源有限,新技术的投入将成为它们的负担。”
https://www.enanyang.my/%E8%B4%A2%E7%BB%8F%E6%96%B0%E9%97%BB/%E7%A9%86%E8%BF%AA%E6%95%B0%E5%AD%97%E9%93%B6%E8%A1%8C%E6%8A%A2%E6%BB%A9-%E5%A4%A7%E9%93%B6%E8%A1%8C%E6%B2%A1%E5%9C%A8%E6%80%95%E5%B0%8F%E9%93%B6%E8%A1%8C%E5%8F%97%E5%A4%B9%E5%87%BB
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