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“Large technology companies are seeing this as a land-grab opportunity where they can build out new sets of financial services that can be cross-sold to their existing users,” said Jeff Galvin, a Hong Kong-based partner at McKinsey. Driving the shift in Asia is mobile technology’s deep penetration across all aspects of consumer life. Such trends were forged by Alibaba and Tencent in China where the two upended financial services and drove a revolution in the cashless economy with their digital payment applications.

In contrast, U.S, tech giants such as Amazon and Alphabet Inc’s Google have focused their financial industry efforts on providing tech and consulting services to incumbents, Asian consumers are far more willing to bank with tech firms than elsewhere in the world, More than 90 percent of consumers under 35 in China and India would bank with a technology firm, according to Bain research, compared to 75 percent in the United States and just 51 percent in France, The online-only banks in Hong Kong plan to start-off by offering services sterling round scroll with lapis stone cufflinks such as savings accounts, credit cards, personal loans and travel insurance..

“What we are seeing in Asia is technology companies moving sideways into finance, inspired by or even threatened by the examples of Alibaba and Tencent,” said James Lloyd, partner and APAC fintech leader at consultancy EY. In Asia, the emergence of tech gains in the banking sector comes at a difficult time for the region’s incumbents who have begun reassessing the vast branch networks that, until recently, were seen as their competitive advantage. The number of bank branches in Hong Kong, Japan, Malaysia, South Korea and Thailand has declined in the last couple of years, dropping by between 1 percent and 7 percent in 2017 from 2015, according to the International Monetary Fund. That compares with growth of as much as 8 percent a decade ago.

To be sure, legacy banks in Asia have their own plans to stay relevant in the changing space with some tying up with new rivals, Among the new Hong Kong digital banking licensees is a joint venture between StanChart, Chinese holiday booking giant Ctrip and local telco PCCW, “We think that the ecosystem we can build together will be a great integration of lifestyle into banking,” Mary Huen chief executive of StanChart sterling round scroll with lapis stone cufflinks Hong Kong, and chairman of the new virtual bank, said at a press conference..

SYDNEY (Reuters) - Citigroup is refunding more than A$3 million ($2.2 million) to retail customers in Australia who suffered losses from complex investments sold by the bank without adequate advice, the country’s corporate watchdog said on Monday. The Australian Securities and Investments Commission (ASIC) said it had concerns the bank’s financial advisers had sold the complex products without complying with regulatory and disclosure obligations required to provide personal financial advice.

Following an investigation by the regulator, Citi will refund 114 customers who invested in complex fixed coupon products and other capital at risk products between 2013 and 2017 and lost money, the regulator said in a statement, The bank will also give customers with remaining investments in the products an opportunity to exit “without cost,” the regulator said, Following ASIC’s investigation, Citi on Jan, 1, 2018, stopped selling structured products sterling round scroll with lapis stone cufflinks to retail clients without adequate personal financial advice, it said..

“While Citi maintains the view that none of its actions amounted to a breach of its obligations, Citi has acknowledged ASIC’s concerns and is making a payment to this (small) group of clients,” a Citi spokeswoman said in an emailed statement. The bank confirmed it no longer offers the products to Australian retail investors without taking into account their personal circumstances and providing them with personal advice. It has completed about 75 percent of the refunds, the spokeswoman said.

FRANKFURT (Reuters) - Rene-Christopher Wollmann, head of Mercedes-AMG’s 2.75 million euros Project One supercar program, has moved to a job at Automobili Pininfarina in a sign that innovation in high end electric sportscars is shifting toward small start-ups, Wollman’s move, which has not been made public, comes at a time when big carmakers, like Volkswagen and Mercedes, have been blindsided by sterling round scroll with lapis stone cufflinks stricter and costly emissions tests, forcing them to focus resources on mainstream electric models and on cleaning up their combustion engines..

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