携手金融科技公司,星展银行拓展印度市场业务 - 互联网金融门户 未央网

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携手金融科技公司,星展银行拓展印度市场业务

印度储备银行(后文简称RBI)从2013年开始允许外资银行在印度设立子公司,设立子公司将为企业削减大量在印业务扩张的限制,比如开设实体分支机构等等。

据了解,星展银行(DBS)有望成为首家在印设立子公司的外资银行,预计一两个月之内就会获得最终许可。

星展银行是新加坡资产规模最大的银行,而该行本次的目标就是通过数字渠道(如智能手机程序、人工智能聊天机器人等)获得印度的富裕与新兴富裕客户。

相比于原有的扩张模式,星展银行本次在印度选择的时通过金融科技企业来吸引用户。

具体来说就是,星展银行不会直接收购金融科技或者支付应用程序企业或其股权,而是选择与有关创企进行合作,获得更多客户资源。目前已经达成的合作方包括印度共享出行平台Ola和金融产品在线市场Paisabazaar。

 

DBS Bank, which may become the first foreign bank to set up an Indian subsidiary, plans to attract customers through fintech firms rather than spending much on physical infrastructure.

But the bank is not looking at buying strategic stake in such firms or payment apps in India at this point of time like it did in Singapore, chief executive Piyush Gupta told ET.

It has inked tie-ups with cabs aggregator Ola and financial products market place Paisabazaar in India and looks to take a few more on board for customer acquisition, deputy group head for consumer banking Pearlyn Phau said.

“We are open to exploring opportunities for strategic stakes in fintech companies,” Phau said. “But there’s no active plan at present.”

The bank has invested in Carousell, an online payment app in Singapore, to offer financial products and payment services on its platform in the sovereign city-state.

In India, it is busy in converting itself as a banking subsidiary, and is expecting the final licence from the Reserve Bank of India in a month or two to set up the wholly-owned unit.

RBI allowed foreign banks to set up subsidiaries in 2013. Operating as a subsidiary would remove the restrictions in business expansion in India including the one that pertains to opening of branches. As spending on physical infrastructure is costlier than digital mode of expansion, DBS Bank plans to take its branch count to merely 50 from 12 now over the next year. State Bank of India, India’s largest lender, has over 22,000 branches.

DBS, Singapore’s largest lender by assets, will be targeting India’s 36.5 crore affluent and emerging affluent customers through digital channels. At present, it has a skeletal consumer banking business in the country.

The bank plans to offer financial products mostly through smartphones as part of the digital journey.

“We started thinking of ourselves not as a bank, but as a fintech company,” Gupta said. “In India, 100% of our offerings will be through digital platforms.” He said the bank would use data for lending and cross-selling products and build front-to-back digital servicing model using artificial intelligence-enabled chatbot to minimise manual processing.


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