最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化国际资讯

发展金融科技,菲律宾各大银行都有哪些招数?

传统金融的互联网化国际资讯

发展金融科技,菲律宾各大银行都有哪些招数?

现在许多人认为菲律宾传统银行与金融科技公司之间的合作正越来越频繁。

菲律宾央行肯定了金融科技产品在提高菲律宾金融普惠性上的作用,敦促传统银行跟上金融技术的步伐。

菲律宾银行家协会一直与东南亚地区的东盟银行家协会及新加坡银行协会合作,提出方案促进银行与金融科技结合、发展,提高金融服务水平。

这些协会通过东盟金融创新网络进行合作,该网络的应用"行业沙箱平台"旨在促进金融机构和金融技术人员整合、测试并完善数字金融和金融普惠解决方案。

去年11月,菲律宾央行推出了菲律宾电子资金转账系统及运营网络--PESONet,允许个人在同一银行工作日内向任何银行的网上银行进行网上转账。

PESONet是菲律宾零售支付系统(NRPS)下的第一个自动结算所(ACH)。通过PESONet,企业、政府和个人能够便捷地创建电子资金转账,付款方也可以向收款方央行监管金融机构(如银行及其他非银行电子货币发行者)下的其他账户汇款。

菲律宾央行去年11月表示,包括非银行电子货币及国际、商业、储蓄、农村银行等33家央行监管金融机构签约加入了PESONet。

去年以来菲律宾主要传统银行Bank of the Philippine Islands、BDO Unibank、Unionbank、PSBank和Rizal Commercial Banking Corp在产品与服务中都整合了金融科技。以下是各银行具体措施:

The Bank of the Philippine Islands(BPI)

在Fintechnews独家新闻中,BPI企业服务部门执行副总裁Ramon Jocson说菲律宾出台了诸多新规定,如要求所有银行开放支付接口、技术,开放应用程序编程接口、采用智能手机及移动设备,通过这些新规定让菲律宾看到了"开放银行"的可能,技术让分解、重整传统银行工作过程成为可能,如把KYC(了解你的客户)功能从允许发放贷款的银行中剥离出来,与金融科技合作,满足更广泛的市场需求。

Jocson说:"允许银行和金融科技解决无银行区域的需求,这些发展预示着菲律宾银行业的光明前景。"

"我们是亚洲无银行账户人口最高的国家,即使不是最高的,也是最高的国家之一,预估有4350万成年人没有银行账户。银行业务的上层客户主要关注投资和储蓄,而无银行账户客户的主要需求是支付和借款。"

他指出,BPI将金融科技公司视为互补的合作伙伴,不仅能解决无银行地区的问题,还能加深银行与现有客户的关系。

Jocson补充道:"BPI计划成为金融科技生态系统的积极参与者,不仅向Loan Origination、Mortgage Finders等应用金融技术提供商开放基础设施,也将向Zalora、Lazada等电子商务提供商及支付、Gcash等电子钱包提供商提供。"

BPI与Philippine American Life、General Insurance Company建立战略联盟--BPI-Philam,去年11月实施了一项前端自动化,通过互动性销售实现了保险业第一次自动化销售。

每一位银行保险销售经理都具备这种技术,能够快速有效引导客户通过保险流程。

该公司在前端自动化之后,还建立了客户协助和需求电子互动提交系统--iCARE,这是一款交互式iPad应用程序,旨在在售后服务中帮助银行保险销售经理。通过这款应用,客户可以在离线状态下轻松地将保单归档。它还在流程节点引导客户提交必要的文档。

BDO Unibank

菲律宾最大的银行BDO Unibank去年5月与总部位于日本的Seven bank Ltd .合作,让在日菲律宾人更方便地通过手机应用程序将钱汇给在菲律宾的亲人。Seven Bank专门从事ATM服务。截至2016年,在日本的海外菲律宾员工总数为243,662人。

通过合作创建的服务补充了BDO汇款品牌下的汇款设施。有了BDO Kabayan Savings,菲律宾海外员工的受益人可以轻松从国外获得、提取资金。

此外,受益人还可以从BDO全国8000多个现金提取处提取现金,其中包括1100多家BDO分行、BDO在SM购物中心的汇款柜台、农村银行和当铺合伙人。

2017年6月,BDO扩大了与Fiserv的合作关系,把核心账户处理平台--Signature升级到最新版本,并扩展了美国金融服务技术解决方案提供商的托管服务。

Signature提供了一种多用途、多通道的银行解决方案,为银行业务流程提供了可扩展环境,提供了自动化的客户关系管理、产品设计、交易处理及财务管理。

最新版本的Signature提供了实时全天候功能,并创建了持续交付环境。这与托管服务扩大相结合,将使BDO Unibank能够迅速对客户和市场需求做出反应。

通过托管服务,Fiserv为BDO Unibank提供了产品知识与技术实践最佳的现场团队。

Unionbank of the Philippines

去年1月Unionbank被正式宣布为Visa公司的第一家银行合作伙伴,Visa试图建立基于区块链的银行对银行(B2B)支付系统。

UnionBank使用区块链(或称为分布式电子账本技术)的目标是为Ark吸引更多的客户,Ark是菲律宾第一个为客户提供全数字化流程的银行分支。

UnionBank副中心负责人兼首席用户体验官Ana Maria Aboitiz-Delgado表示,Ark将为UnionBank的社区客户开发合适的环境。她说,UnionBank正与合作公司合作,让Ark为UnionBank客户与非客户提供良好的银行体验。

去年2月,这家上市银行通过子公司City Savings Bank Inc、Union Properties Inc与Aboitiz Equity Ventures Inc(AEV)签署了一份共享购买协议,获得了菲律宾最大的Western Union代理商、汇款网络公司Petnet Inc 51%的普通股份。

Petnet也被称为Pera HUB,在菲律宾拥有超过2800个销售点。它提供各种以现金为基础的服务,包括汇款、货币兑换和票据支付。

CitySaving通过收购利用Pera HUB广阔的零售网络,扩大与Petnet现有的贷款营销伙伴关系。

Philippine Savings Bank(PSBank)

PSBank是Metrobank Group的储蓄银行分支机构,它在2017年结束了最新的银行创新,提供无卡提款服务,重新设计了包括PayMe等新功能在内的移动应用程序,PayMe是菲律宾银行业首次推出类似功能。

PSBank的无卡取款让客户不使用ATM卡就可以方便、安全地从任何PSBank自动取款机取款,这样客户就能把提款卡留在家里。它还配备了多重身份验证,确保客户的帐户安全。

同时,PSBank 的PayMe还允许客户实时向其他PSBank移动应用用户发出汇款要求、收取汇款。

Rizal Commercial Banking Corp (RCBC)

去年1月,RCBC在菲律宾推出了第一款名为Cash Express的移动自动柜员机,使客户可以通过小型零售商店或sari -sari商店进行各种常规银行交易,给菲律宾人在管理财务方面给予更多便捷与灵活性。

它将其最新的服务称为"革命性的设施",客户可以选择在ATM机上进行银行交易,如提取现金、账单支付、转账、RCBC MyWallet应用重载、手机重载及余额查询。

RCBC将根据计划为潜在商家提供免费装配Cash Express,尽可能多地接触潜在客户。

每一套Cash Express包含一部装了SIM卡的智能手机、键盘、热敏打印机、市场宣传资料。RCBC还将为合作伙伴提供必要的培训和协助,有效促进完成每笔交易。这些合作伙伴也将拥有全天候客户支持服务。

RCBC运营与数字银行业务负责人玛格丽塔·洛佩兹表示,RCBC将继续推出新的产品和服务,为客户提供更高层次的便捷,提供更方便的银行业务,满足客户金融需求。

在2017年年中,RCBC的thriftbank Rizal Microbank与菲律宾金融科技创业公司、应收账款在线平台Acudeen合作。Acudeen为菲律宾中小企业及中小微企业提供发票和应收账款支持,Rizal Microbank向其投资600万美元。

为了支持菲律宾央行引入的监管沙箱倡议,RCBC最近与eCurrency Mint Limited合作,推出数字货币产品,为菲律宾提供可访问、可负担的数字金融服务。

Now seen by many as inevitable, the consolidation and cooperation between traditional banks and fintech players are becoming more frequent in the Philippines.

No less than the Philippine central bank or Banko Sentral ng Pilipinas (BSP) has constantly been urging traditional banks to “keep pace” with financial technology affirming that fintech products stand to help broaden financial inclusion in the country.

The Bankers Association of the Philippines (BAP) has in fact been working with its counterparts in the region like the ASEAN Bankers Association (ABA), and The Association of Banks of Singapore (ABS) to come up with initiatives that will boost banking connectivity and integrate fintech in order to improve financial services.

All associations are collaborating together through the ASEAN Financial Innovation Network (AFIN) that is applying the “industry sandbox platform” designed to enable financial institutions and fintech players to integrate, test and refine digital finance and inclusion solutions.

BSP last November launched the Philippine EFT System and Operations Network (PESONet), an electronic fund transfer (EFT) payments system that would allow individuals to digitally transfer funds to any bank in the network within the same banking day.

PESONet is the first automated clearing house (ACH) under the National Retail Payment System (NRPS). Through PESONet, businesses, the government, and individuals will be able to conveniently initiate electronic fund transfers and recurring payments from the sender’s accounts maintained in BSP supervised financial institution (BSFIs), such as banks and other non-bank electronic money issuers (NB EMIs), to corresponding recipient accounts in other BSFIs.

BSP noted last November that 33 BSFIs, which are comprised of universal, commercial, thrift and rural banks as well as NB EMIs, have signed up to participate in the PESONet.

Here’s how some of the leading traditional banks in the Philippines, namely The Bank of the Philippine Islands (BPI), BDO Unibank, Unionbank, PSBank, and Rizal Commercial Banking Corp (RCBC), have integrated fintech in their products and services since last year.

The Bank of the Philippine Islands

In an exclusive interaction with Fintechnews, BPI executive vice president for Enterprise Services Segment, Ramon Jocson, said through latest regulations like NRPS ― which requires all banks to open up their payment interfaces, technology, open APIs (application programming interfaces), smartphones and mobile devices adoption, ― the Philippines is seeing the dawn of “open banking” where disaggregation and rebundling of traditional bank processes are made possible by technology, like unbundling of KYC (Know-Your-Customer) functions from Loan Origination allows a bank to partner with fintechs to address a wider market.

“These developments augur well for Philippine banking as it allows banks and fintechs to address the unbanked segment,”

Jocson said.

“We have one of the highest if not the highest per capita of unbanked in Asia – estimates are around 43.5 million of adults in the Philippines as per Global Findex. Whereas the upper client segments in banking focus on investments and savings, the primary needs in the unbanked segment are to pay and borrow.”

BPI, he noted, views fintech companies as complementary partners in addressing not only the unbanked segment but also in deepening its relationships with existing clients.

“BPI plans to be an active participant in this [fintech] ecosystem where it will open up its facilities not only to fintechs for applications such as Loan Origination, Mortgage Finders, etc., but also to eCommerce Providers such as Zalora, Lazada, etc and Payment, eWallet providers like Gcash,”

Jocson added.

BPI through its strategic alliance with Philippine American Life and General Insurance Company (Philam Life) called BPI-Philam, has implemented last November a front-end automation meant to modernize insurance selling practices through the Interactive Point of Sale (iPoS), which it claims to be a first in the life insurance industry.

Every Bancassurance Sales Executive (BSE) is equipped with this technology to guide customers through the insurance process quickly and efficiently.

The company followed the iPoS with Interactive Client Assistance and Requirements eSubmission – (iCARE), an interactive iPad application which was engineered to aid BSEs in after-sales servicing. Through the app, customers can easily file for requests and other transactions regarding their policies with ease even offline. It also guides customers in telling them what necessary documents they need to submit at one point of the process.

BDO Unibank

The Philippines’ biggest bank BDO Unibank has partnered with Japan-based Seven Bank Ltd last May to make it easier for Filipinos in Japan to remit money to their loved ones in the Philippines using a mobile app. Seven Bank specializes in ATM services. Overseas Filipino Workers in Japan totaled 243,662 as of 2016.

The service created through the partnership complements BDO’s own remittance facility under its remittance brand, BDO Remit. With BDO Kabayan Savings, OFW beneficiaries can effortlessly receive and withdraw money sent from abroad.

There’s also the Cash Pick-up Anywhere where beneficiaries can claim money at more 8,000 locations nationwide including from the over 1,100 BDO branches; BDO Remit counters inside SM malls; rural banks and pawnshop partners.

In June 2017, BDO extended and expanded its relationship with Fiserv to upgrade to the latest version of the Signature core account processing platform and expand Managed Services from the US-based financial services technology solutions provider.

Signature provides a multicurrency, multichannel banking solution, offering a scalable environment for bank processing, providing automated customer relationship management, product design, transaction processing and financial management.

The latest version of Signature provides a real-time 24/7 capability, and creates a continuous delivery environment. This, combined with expansion of Managed Services, will be expected to allow BDO Unibank to respond to customer and market requirements quickly and frequently.

With Managed Services, Fiserv provides BDO Unibank an onsite team of resources in product knowledge and technology best practices.

Unionbank of the Philippines

Unionbank of the Philippines (UnionBank) last January was formally declared the first bank partner of Visa Inc for the latter’s bid to build a blockchain-based bank-to-bank (B2B) payments system.

Using blockchain, also called distributed electronic ledger technology, UnionBank targets to engage more customers to get their inputs on the “Ark”, which is the first bank branch in the country embracing the all-digital process for its clients.

Ana Maria Aboitiz-Delgado, deputy center head and chief user experience Officer of UnionBank, said it would enable UnionBank to develop the right environment for UnionBank customers in the community. She said UnionBank is collaborating with partners to make the Ark a great banking experience both for clients and nonclients of UnionBank.

And only last February, the local listed lender through its subsidiaries City Savings Bank Inc, and Union Properties Inc, signed a share purchase agreement (SPA) with Aboitiz Equity Ventures Inc (AEV) to acquire 51 perc ent of the common shares of transaction network Petnet Inc, the largest Western Union agent in the Philippines.

Also known as Pera HUB, Petnet has over 2,800 outlets nationwide. It offers a variety of cash-based services, including remittance, currency exchange and bills payment.

With the acquisition, CitySavings is tasked to take advantage of Pera HUB’s expansive retail network and expand its existing loans-marketing partnership with Petnet.

Philippine Savings Bank

Philippine Savings Bank (PSBank), the thrift banking arm of Metrobank Group, ended 2017 with its latest banking innovations, the Cardless Withdrawal and its redesigned mobile application packed with new functionalities such as PayMe – a first of its kind in the banking industry.

The PSBank Cardless Withdrawal allows clients to conveniently and securely withdraw cash from any PSBank ATM without using their ATM Card, giving them flexibility as they can now leave their ATM cards at home. It is also equipped with a multi-factor authentication process, assuring clients of their accounts’ security.

Meanwhile, the PSBank PayMe allows clients to request and collect funds from other PSBank Mobile App users real-time.

Rizal Commercial Banking Corp (RCBC)

RCBC last January launched the first mobile ATM in the Philippines called “Cash Express” that enables its customers to do various regular banking transactions even through mini retail stores or sari-sari stores, giving more Filipinos flexibility and accessibility when it comes to managing their finances.

The universal bank touted its latest service a “revolutionary facility” that gives customers the option to do bank transactions they would normally do over an ATM, such as cash withdrawals, bills payments, fund transfers, RCBC MyWallet reloading, mobile phone reloading and balance inquiries.

Under the planned service roll out, RCBC will offer cash express sales kits for free to prospective merchants in order to reach as many potential partners as possible.

Each Cash Express sales kit will contain a smart phone with sim, pin pad, thermal printer and marketing collaterals. RCBC will also provide partner merchants the necessary training and assistance in order to efficiently facilitate each transaction. Partner merchants will also have 24/7 access to customer support service.

RCBC Head for Operations and Digital Banking, Margarita Lopez said RCBC will continue to introduce new products and services that will provide customers a new level of convenience and ease to do banking and help them with their financial needs.

In mid-2017, RCBC’s thriftbank Rizal Microbank, partnered with Philippine-based fintech startup Acudeen, a creator of an online platform for receivables discounting. Rizal Microbank invested $6 million to finance the invoices and receivables to the startup’s network of small and medium enterprises (SMEs), as well as micro-SMEs (MSMEs) in the Philippines.

And in support of the regulatory sandbox initiative introduced by the BSP, RCBC has recently partnered with eCurrency Mint Limited (eCurrency) to launch its digital money product to deliver accessible and affordable digital financial services in the country.


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