Thanks for sharing//@DiAngel:

2022-09-08

I don't think DBS, UOB and OCBC should worry as they have their own strong base of loyal customers. I am one of them. 😇. Indirectly, these 3 major banks have been improving their services way before TrustBank came in the play.

No doubt, Trust is trying to attract customers with their annual fees waiver credit card and their co-operation with NTUC, I doubt consumers will be attracted to it. I am one of them 🤣🤣. I have NTUC plus card and annual fees waiver credit cards too. I am trying to hold fewer credit cards - currently 3; next year planning to have 2 only.

Trust is having free foreign transactions fee. That's the only plus point to me. But how frequent will I use this facility? 😏🤔 unless Tiger is able to accept their credit card for US stocks purchase then I will consider Trust. 🤭😊😅😂😇

@TigerEvents @MillionaireTigerwill Tiger accept Trust credit card for US stocks purchase? 😇😇

Come & comments : @MHh @Venus_M @Wayneqq @EthanShawn @xiaochoochoo @FrankieRed @kungpao @Ku9787 @KYHBKO @SR050321 @Furore @wywy @MyMelody @moliya @cozyli @AliceSam @sunflower19 @AdaT33 @klins3 @finde @ISSEY1413 @bernardtayet @muiee @SPOT_ON @RDPD富爸穷爸 @Kaixiang @snd @Steu @loti @maricel @rL @pekss @JoeLeong @mikeong @discreetx @DinoLim @Linda1127 @Jadenkho

GXS and Trust Digital Banks Have Launched: Should DBS, UOB and OCBC Worry?

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

mster
2022-09-08
mster
Allowing Credit card for purchasing stock is a compteting their own product - Margin. No? 🤔
ET77
2022-09-08
ET77
Different customers
Markiey
2022-09-08
Markiey
Ooo nice
SimonTan91
2022-09-08
SimonTan91
kk
SimonTan91
2022-09-08
SimonTan91
kk
HHLim
2022-09-08
HHLim
Ok

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I am one of them. 😇.&nbsp;Indirectly, these 3 major banks have been improving their services way before TrustBank came in the play.&nbsp;No doubt, Trust is trying to attract customers with their&nbsp;annual fees waiver credit card&nbsp;and their co-operation with NTUC, I doubt consumers will be attracted to it. I am one of them 🤣🤣. I have NTUC plus card and annual fees waiver credit cards too. I am trying to hold fewer credit cards - currently 3; next year planning to have 2 only.&nbsp;Trust is having free foreign transactions fee. That's the only plus point to me. But how frequent will I use this facility? 😏🤔 unless Tiger is able to accept their credit card for US stocks purchase then I will consider Trust. 🤭😊😅😂😇 <a href=\"https://ttm.financial/U/3527667667103859\">@TigerEvents</a><a href=\"https://ttm.financial/U/3527667618821228\">@MillionaireTiger</a>will Tiger accept Trust credit card for US stocks purchase? 😇😇Come &amp; comments : @MHh @Venus_M @Wayneqq @EthanShawn @xiaochoochoo @FrankieRed @kungpao @Ku9787 @KYHBKO @SR050321 @Furore @wywy @MyMelody @moliya @cozyli @AliceSam @sunflower19 @AdaT33 @klins3 @finde @ISSEY1413 @bernardtayet @muiee @SPOT_ON @RDPD富爸穷爸 @Kaixiang @snd @Steu @loti @maricel @rL @pekss @JoeLeong @mikeong @discreetx @DinoLim @Linda1127 @Jadenkho&nbsp; </body></html>","htmlText":"<html><head></head><body>\nThanks for sharing//<a href=\"https://laohu8.com/U/4100833454173050\">@DiAngel</a>:I don't think DBS, UOB and OCBC should worry as they have their own strong base of loyal customers. I am one of them. 😇.&nbsp;Indirectly, these 3 major banks have been improving their services way before TrustBank came in the play.&nbsp;No doubt, Trust is trying to attract customers with their&nbsp;annual fees waiver credit card&nbsp;and their co-operation with NTUC, I doubt consumers will be attracted to it. I am one of them 🤣🤣. I have NTUC plus card and annual fees waiver credit cards too. I am trying to hold fewer credit cards - currently 3; next year planning to have 2 only.&nbsp;Trust is having free foreign transactions fee. That's the only plus point to me. But how frequent will I use this facility? 😏🤔 unless Tiger is able to accept their credit card for US stocks purchase then I will consider Trust. 🤭😊😅😂😇 <a href=\"https://ttm.financial/U/3527667667103859\">@TigerEvents</a><a href=\"https://ttm.financial/U/3527667618821228\">@MillionaireTiger</a>will Tiger accept Trust credit card for US stocks purchase? 😇😇Come &amp; comments : @MHh @Venus_M @Wayneqq @EthanShawn @xiaochoochoo @FrankieRed @kungpao @Ku9787 @KYHBKO @SR050321 @Furore @wywy @MyMelody @moliya @cozyli @AliceSam @sunflower19 @AdaT33 @klins3 @finde @ISSEY1413 @bernardtayet @muiee @SPOT_ON @RDPD富爸穷爸 @Kaixiang @snd @Steu @loti @maricel @rL @pekss @JoeLeong @mikeong @discreetx @DinoLim @Linda1127 @Jadenkho&nbsp; </body></html>","text":"Thanks for sharing//@DiAngel: I don't think DBS, UOB and OCBC should worry as they have their own strong base of loyal customers. I am one of them. 😇. Indirectly, these 3 major banks have been improving their services way before TrustBank came in the play. No doubt, Trust is trying to attract customers with their annual fees waiver credit card and their co-operation with NTUC, I doubt consumers will be attracted to it. I am one of them 🤣🤣. I have NTUC plus card and annual fees waiver credit cards too. I am trying to hold fewer credit cards - currently 3; next year planning to have 2 only. Trust is having free foreign transactions fee. That's the only plus point to me. But how frequent will I use this facility? 😏🤔 unless Tiger is able to accept their credit card for US stocks purchase then I will consider Trust. 🤭😊😅😂😇 @TigerEvents@MillionaireTigerwill Tiger accept Trust credit card for US stocks purchase? 😇😇 Come & comments : @MHh @Venus_M @Wayneqq @EthanShawn @xiaochoochoo @FrankieRed @kungpao @Ku9787 @KYHBKO @SR050321 @Furore @wywy @MyMelody @moliya @cozyli @AliceSam @sunflower19 @AdaT33 @klins3 @finde @ISSEY1413 @bernardtayet @muiee @SPOT_ON @RDPD富爸穷爸 @Kaixiang @snd @Steu @loti @maricel @rL @pekss @JoeLeong @mikeong @discreetx @DinoLim @Linda1127 @Jadenkho","highlighted":1,"essential":1,"paper":1,"likeSize":31,"commentSize":34,"repostSize":0,"favoriteSize":0,"link":"https://ttm.financial/post/9938235666","repostId":1196956145,"repostType":4,"repost":{"id":"1196956145","kind":"news","pubTimestamp":1662608329,"share":"https://www.laohu8.com/m/news/1196956145?lang=&edition=full","pubTime":"2022-09-08 11:38","market":"us","language":"en","title":"GXS and Trust Digital Banks Have Launched: Should DBS, UOB and OCBC Worry?","url":"https://stock-news.laohu8.com/highlight/detail?id=1196956145","media":"smart investor","summary":"The wait is finally over.It has been nearly 21 months since the Monetary Authority of Singapore (MAS","content":"<html><head></head><body><img src=\"https://static.tigerbbs.com/599dc9c435dbd9303bef193451aefd5e\" tg-width=\"800\" tg-height=\"533\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/>The wait is finally over.It has been nearly 21 months since the Monetary Authority of Singapore (MAS) handed out fourdigital banking licencesto successful bidders.Two of the licences are digital full bank (DFB) licences and were clinched by a consortium made up of ride-hailing firm Grab(NASDAQ: GRAB) andblue-chiptelco Singtel(SGX: Z74).The other DFB licence was won by Sea Limited(NYSE: SE).Just this week, the Grab-Singtel digital bank, GXS Bank, launched its first savings product to a limited customer base.Not to be outdone, Standard Chartered Bank(LON: STAN) has partnered with Fairprice Group to launch their digital bank, Trust Bank, with savings accounts and credit card offerings for customers.With these launches, should the trio of local banks, namely DBS Group(SGX: D05), United Overseas Bank Ltd(SGX: U11), or UOB, and OCBC Ltd(SGX: O39), get worried?<h2>A slew of benefits</h2>GXS has the first-mover advantage, being the first digital bank to launch its offerings. Thus far, Sea Limited’s digital bank, Maribank, has yet to showcase its products.GXS’ savings account offers an interest rate of 0.08% accrued daily.However, customers can create up to eight “pockets” designed for specific saving goals, each of which earns 1.58% interest per annum, also accrued daily.These pockets are akin to a fixed deposit that offer more attractive interest rates to lock up funds for a specific period.However, the total deposit cap for both the savings account and pockets is just S$5,000.For Trust Bank, customers will enjoy an interest rate of 1% per annum on the first S$50,000 with NTUC Union members receiving an additional 0.4% interest on the same threshold of savings for making five eligibleVisa(NYSE: V) purchases using their Trust card.There is no minimum balance for the savings account and the credit card comes without annual fees, foreign transaction charges, cash advance fees or card replacement fees.Both digital banks are launching with a slew of benefits to attract customers to sign up and open accounts with them, hoping to gradually build up the scale needed to achieve profitability.<h2>The unbanked and under-banked</h2>The original intention for MAS to launch the digital bank licences was for the new players to target both the unbanked and under-banked.On this note, GXS Bank believes that it has a market potential of around three million customers in Singapore, implying that around half the population can be targeted as customers.As a start, GXS is targeting the underserved segments of the population such as gig workers, entrepreneurs, and fresh workers.Trust Bank, on the other hand, is focusing on a wider demographic that includes working adults who are Union members and shop for groceries regularly.More importantly, the winners of the bid have had to demonstrate a path to profitability in their proposals to the central bank.However, history has shown that digital banks have not fared well in developed markets such as Singapore.As an example, digital banks had launched in Hong Kong with 6% interest rates on their deposit accounts to entice customers, but these rates have since fallen as the banks are unable to sustain them.It’s questionable whether Singapore has sufficient numbers of under-served customers to enable each of these banks to achieve profitability.Commercial strategy consultancy Simon-Kucher also released sobering statistics on digital banks, also known as Neobanks.An analysis of 25 of the largest Neobanks in the world found that only two of them, or 4% of the cohort, had achieved profitability.<h2>The incumbents are no pushovers</h2>To make it even tougher for the newcomers, the incumbent banks are no slouches when it comes to digital offerings.DBS Group was named the world’s best digital bank and was also named the global winner in The Banker’s Innovation in Digital Banking Awards.Singapore’s largest lender has tapped on its technology infrastructure to facilitate digital payouts from the Singapore government during the pandemic, launched adigital exchangein late 2020, started a new blockchain payments joint venture, and has an artificial intelligence digital adviser NAV Planner.Last month, UOB launched a new digital banking app for SMEs (small and medium enterprises) to allow them to access a full suite of digital solutions.The local bank’s TMRW app is expected to acquire around 500,000 customers digitally by the end of this year.OCBC is the first bank to allow CPF account top-ups from outside the CPF website, and customers can make these contributions through its banking app or internet banking platform.All three banks have also recentlyupped their savings account ratesby raising the maximum interest rate tiers.<h2>Get Smart: No easy task for the digital banks</h2>The digital banks are launching with a bang by drumming up interest for their new deposit accounts and dangling attractive offers for customers.However, it remains to be seen if they can gain the traction that they hope for.It will be an uphill task to snare customers from the incumbents as they are no pushovers and will put up a strong fight.</body></html>","source":"lsy1602567310727","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; 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overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nGXS and Trust Digital Banks Have Launched: Should DBS, UOB and OCBC Worry?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-09-08 11:38 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://thesmartinvestor.com.sg/gxs-and-trust-digital-banks-have-launched-should-dbs-uob-and-ocbc-worry/>smart investor</a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\nThe wait is finally over.It has been nearly 21 months since the Monetary Authority of Singapore (MAS) handed out fourdigital banking licencesto successful bidders.Two of the licences are digital full ...\n\n<a href=\"https://thesmartinvestor.com.sg/gxs-and-trust-digital-banks-have-launched-should-dbs-uob-and-ocbc-worry/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SE":"Sea Ltd","GRAB":"Grab Holdings","O39.SI":"华侨银行","U11.SI":"大华银行","D05.SI":"星展集团控股","Z74.SI":"新电信"},"source_url":"https://thesmartinvestor.com.sg/gxs-and-trust-digital-banks-have-launched-should-dbs-uob-and-ocbc-worry/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1196956145","content_text":"The wait is finally over.It has been nearly 21 months since the Monetary Authority of Singapore (MAS) handed out fourdigital banking licencesto successful bidders.Two of the licences are digital full bank (DFB) licences and were clinched by a consortium made up of ride-hailing firm Grab(NASDAQ: GRAB) andblue-chiptelco Singtel(SGX: Z74).The other DFB licence was won by Sea Limited(NYSE: SE).Just this week, the Grab-Singtel digital bank, GXS Bank, launched its first savings product to a limited customer base.Not to be outdone, Standard Chartered Bank(LON: STAN) has partnered with Fairprice Group to launch their digital bank, Trust Bank, with savings accounts and credit card offerings for customers.With these launches, should the trio of local banks, namely DBS Group(SGX: D05), United Overseas Bank Ltd(SGX: U11), or UOB, and OCBC Ltd(SGX: O39), get worried?A slew of benefitsGXS has the first-mover advantage, being the first digital bank to launch its offerings. Thus far, Sea Limited’s digital bank, Maribank, has yet to showcase its products.GXS’ savings account offers an interest rate of 0.08% accrued daily.However, customers can create up to eight “pockets” designed for specific saving goals, each of which earns 1.58% interest per annum, also accrued daily.These pockets are akin to a fixed deposit that offer more attractive interest rates to lock up funds for a specific period.However, the total deposit cap for both the savings account and pockets is just S$5,000.For Trust Bank, customers will enjoy an interest rate of 1% per annum on the first S$50,000 with NTUC Union members receiving an additional 0.4% interest on the same threshold of savings for making five eligibleVisa(NYSE: V) purchases using their Trust card.There is no minimum balance for the savings account and the credit card comes without annual fees, foreign transaction charges, cash advance fees or card replacement fees.Both digital banks are launching with a slew of benefits to attract customers to sign up and open accounts with them, hoping to gradually build up the scale needed to achieve profitability.The unbanked and under-bankedThe original intention for MAS to launch the digital bank licences was for the new players to target both the unbanked and under-banked.On this note, GXS Bank believes that it has a market potential of around three million customers in Singapore, implying that around half the population can be targeted as customers.As a start, GXS is targeting the underserved segments of the population such as gig workers, entrepreneurs, and fresh workers.Trust Bank, on the other hand, is focusing on a wider demographic that includes working adults who are Union members and shop for groceries regularly.More importantly, the winners of the bid have had to demonstrate a path to profitability in their proposals to the central bank.However, history has shown that digital banks have not fared well in developed markets such as Singapore.As an example, digital banks had launched in Hong Kong with 6% interest rates on their deposit accounts to entice customers, but these rates have since fallen as the banks are unable to sustain them.It’s questionable whether Singapore has sufficient numbers of under-served customers to enable each of these banks to achieve profitability.Commercial strategy consultancy Simon-Kucher also released sobering statistics on digital banks, also known as Neobanks.An analysis of 25 of the largest Neobanks in the world found that only two of them, or 4% of the cohort, had achieved profitability.The incumbents are no pushoversTo make it even tougher for the newcomers, the incumbent banks are no slouches when it comes to digital offerings.DBS Group was named the world’s best digital bank and was also named the global winner in The Banker’s Innovation in Digital Banking Awards.Singapore’s largest lender has tapped on its technology infrastructure to facilitate digital payouts from the Singapore government during the pandemic, launched adigital exchangein late 2020, started a new blockchain payments joint venture, and has an artificial intelligence digital adviser NAV Planner.Last month, UOB launched a new digital banking app for SMEs (small and medium enterprises) to allow them to access a full suite of digital solutions.The local bank’s TMRW app is expected to acquire around 500,000 customers digitally by the end of this year.OCBC is the first bank to allow CPF account top-ups from outside the CPF website, and customers can make these contributions through its banking app or internet banking platform.All three banks have also recentlyupped their savings account ratesby raising the maximum interest rate tiers.Get Smart: No easy task for the digital banksThe digital banks are launching with a bang by drumming up interest for their new deposit accounts and dangling attractive offers for customers.However, it remains to be seen if they can gain the traction that they hope for.It will be an uphill task to snare customers from the incumbents as they are no pushovers and will put up a strong fight.","news_type":1},"isVote":1,"tweetType":1,"viewCount":896,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":1091,"xxTargetLangEnum":"ORIG"},"commentList":[{"id":103824174,"commentId":"103824174","gmtCreate":1662611522820,"gmtModify":1663258451026,"authorId":4102815868703010,"author":{"id":4102815868703010,"idStr":"4102815868703010","authorId":4102815868703010,"name":"mster","avatar":"https://community-static.tradeup.com/news/81a8fe18bd419696551df5320d8db477","vip":1,"crmLevel":7,"crmLevelSwitch":0,"individualDisplayBadges":[{"badgeId":"9427a906234c4b18a82ec3d7730b7fa8-1","templateUuid":"9427a906234c4b18a82ec3d7730b7fa8","name":"Star 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