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摩通:疫情推動內銀數字化服務 招商銀行(3968.HK)為領導者
格隆匯 10-06 12:12

摩根大通發表研究報告表示,內地銀行在銀行服務數字化方面取得顯著進展,通過提供金融服務來應對金融科技企業的競爭;其中招商銀行(3968.HK)為數字化的領導者和獲勝者,部分原因是其較低的存款成本以及強勁的金融產品銷售。平安銀行專注於擴大其移動銀行業務,提高其存款專營權的關鍵驅動力。而工行(1398.HK)近年來,移動銀行的競爭優勢一直在下滑。

該行表示,在13家上市國有股份制和股份制銀行的移動銀行用户和交易量中,在2015-19年度年複合增長率分別為21%和47%。該13間銀行繼續加強科技投資,於2019年總計1050億元人民幣,同比增長20%,相當於銀行年度收入的2.5%。每月活躍用户(MAU)在2月增長放緩,但由於新冠肺炎疫情,今年第二季度的強勁反彈,MAU按季增長9%,按年增長28%,推動數字化,並認為普羅大眾對移動銀行的更廣泛的接受和使用,從而在經濟活動水平恢復後,令MAU反彈。

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