With the help of the government, China’s cross-border e-commerce has become one of the most successful digital e-commerce ecosystems. This report explains how China has transitioned from being the factory of the world to have one of the most flourishing digital payments and cross-border e-commerce ecosystems.

Asia is one of the most significant trading regions in the world including the factory of the world, China. Payment systems, cultures, and regulatory systems are all diverse which makes having a European style SEPA challenging in Asia. What is the future of cross-border payments in Asia?

Cybercrime is now one of the most serious threats faced by capital markets. However, Asian capital markets have traditionally lagged their Western counterparts. In this report by Kapronasia, we analyse the current state of cybersecurity in the Asian capital markets, before discussing the potential cybersecurity strategies these markets could deploy.

Although China's insurance industry is hundreds of years old, it has only been during the last decade that we have seen significant growth. With the advent of digital, now the industry is moving in an entirely new direction.

Predictions are that digital payments will account for 20% of all Chinese retail purchases by 2020, a staggering amount and one that is challenging not only the banks, but China UnionPay and regulators themselves. The China Digital Payments 2016 report looks at how new business models, market entrants and regulations are rapidly transforming China’s gigantic payment industry.

The digital payments space in India had been evolving steadily in the last couple of years. However, the economy had a big bang moment when Prime Minister Modi announced the Demonetization drive on November 8, 2016. The stated intention was to reduce the level of money laundering and counterfeit currency in the economy, and to raise the level of transparency to ensure that the number of people paying income tax increased in line with rising incomes. It was indeed a commendable move for the Indian economy which exhibits high levels of corruption, money laundering and tax evasion. However, the implementation was found to be lacking and there have been questions over the level of preparation of the central bank, the Reserve Bank of India (RBI).

Investors and multinationals are increasingly looking towards Southeast Asia for the next trailblazers in e-commerce in the Asia-Pacific as growth in China and India slows. With this in mind, we present a report that provides an overview of the landscape, opportunities, and challenges that are prevalent in Southeast Asia and its e-commerce industry.

Most of the research into real-time payments has focused on potential new revenue streams and business models for banks to serve traditional retail and commercial customers. Although this research is valuable, it overlooks an essential segment of the population: the underbanked and financially excluded. Until now.

Kapronasia was in Singapore for INSEAD Alumni Association event in February 2015 and Zennon Kapron presented the attached slides on latest financial innovations in China’s financial industry and how they are disrupting the sector.

June 16 2016

Fintech in India

Fintech has the potential to completely change India's financial industry, but are banks and traditional vendors ready? Which fintech offerings are potentially the most disruptive? What is the role of India’s IT industry in strengthening the fintech ecosystem? The Fintech in India report explores key issues for banks and technology vendors and defines what the financial industry of the future will be.

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