Rakuten Bank, Japan’s largest digital bank, provides comprehensive services through a smartphone app. Its in-house system development ensures quick improvements, cost savings, and a competitive advantage. By leveraging its Rakuten Group affiliation, the bank efficiently acquires and cross-sells to customers. Recent initiatives include Rakuten Bank’s China Smartphone Payment (UnionPay), which enables Japanese travelers to make cashless payments in China and earn Rakuten Points. A core part of the Rakuten Ecosystem, which integrates over 70 services around a loyalty-point system, promotes cross-referrals and strengthens customer loyalty within the group.
CTBC utilizes a hybrid cloud strategy to enhance flexibility, scalability, and security, integrating AI-driven STP and a no-code single sign-on (SSO) solution. Result: significant cost savings through digitization and automated account opening for most online services. As a leader in Taiwan’s credit card market, CTBC focuses on innovation, collaboration, and a tailored experience, offering co-branded cards aligned with diverse customer lifestyles, including the CTBC CPC cobranded card for a comprehensive driver’s payment ecosystem.
CTBC emphasizes a “super-personalized” experience by using real-time data for targeted push notifications and exclusive promotions. This transforms credit cards into smart service platforms, positioning CTBC at the forefront of digital payment evolution in Taiwan, with over 90% of services available online, demonstrating its dedication to digital innovation and providing user-friendly, secure, and efficient customer experiences.
Hokii digital banking with Taiwan Business Bank (TBB) prioritizes security, customer experience, design, and innovation, offering AI and big data-powered “five-heart” services, including account origination and lending. TBB serves three segments: enterprises (microenterprise e-loans, including green finance), Gen Y and Z (Hokii lifestyle banking), and Gen X (a senior-friendly app with enlarged text and SSO). TBB also offers i-Money, a voice assistant for bill payments. The bank also enhances engagement via in-app and integrated communications. The bank’s website offers full online banking, and e-See-Talk handles password resets.
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