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This year's TAB Global Excellence in Retail Financial Services Awards 2026 reveals three forces reshaping retail banking
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This year's TAB Global Excellence in Retail Financial Services Awards 2026 reveals three forces reshaping retail banking
Lin Yonghua, vice president and chief engineer at the Beijing Academy of Artificial Intelligence
The Future Banking Working Group (FBWG) invites members to an open dialogue session examining DCJPY as a live case study in tokenised deposit infrastructure.
As Rosie Rios, Paolo Ardoino, David Katz and Geoffrey Kendrick outline, the convergence of GENIUS, MiCA and Asia Pacific regulatory initiatives is recasting stablecoins from experimental instruments into bank-grade infrastructure that is beginning to reshape payments, liquidity, and cross-border finance.
As DeCurret DCP’s DCJPY network anchors domestic issuance and Partior enables cross-border movement, tokenised deposits are emerging as a new banking architecture shaped by interoperability, settlement, and scale.
Li Meng, professor at the Shanghai Institute of Microsystem and Information Technology at the Chinese Academy of Sciences explains how artificial intelligence and brain-computer interfaces are converging to shift innovation from scaling data to decoding brain signals through new model architectures and compounding data systems.
At The Asian Banker Summit 2026, Minister for Digital Gobind Singh Deo argued that Malaysia’s AI ambitions require more than investment attraction. They require governments and industries to change how they operate. The country’s third phase of MyDIGITAL is being built around that premise.
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At the opening plenary of The Asian Banker Summit 2026, Malaysia’s Deputy Minister of Finance Liew Chin Tong and former US House Financial Services Committee chairman Patrick McHenry framed a central challenge for banks: whether to become more active shapers of economic outcomes or risk being overtaken by faster-moving technological change.
At the Shanghai International AI Finance Summit 2026, Wang Kaijing of SenseTime discussed how AI-driven models enable banks to integrate structured and unstructured data to improve risk management and operational efficiency. Chak Wong, managing director at JP Morgan, explained why many AI initiatives fail, stressing the need for strong leadership, organisational alignment and domain knowledge.
At the Shanghai International AI Finance Summit 2026, Wang Kaijing of SenseTime discussed how AI-driven models enable banks to integrate structured and unstructured data to improve risk management and operational efficiency. Chak Wong, managing director at JP Morgan, explained why many AI initiatives fail, stressing the need for strong leadership, organisational alignment and domain knowledge.
Alex Sun, chief sustainability officer of Envision Group outlines how the convergence of AI and energy systems is reshaping economic stability, competitiveness, and capital deployment by turning variable renewables into reliable industrial power.
Li Meng, professor at the Shanghai Institute of Microsystem and Information Technology at the Chinese Academy of Sciences explains how artificial intelligence and brain-computer interfaces are converging to shift innovation from scaling data to decoding brain signals through new model architectures and compounding data systems.
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A correlation analysis across 100 global retail banks in FY25 finds a weak but statistically significant negative relationship between asset size and return on assets. Regional leaders demonstrate that specific business model choices, not balance sheet scale, drive superior profitability.
This year's TAB Global Excellence in Retail Financial Services Awards 2026 reveals three forces reshaping retail banking in ways that go beyond the interest rate cycle: the compression of spread-based income and the drive to diversify revenue; a fundamental reappraisal of the deposit franchise; and the deepening integration of artificial intelligence across banking operations and client engagement.
Top digital banks achieve profitability either through disciplined lending execution or by monetising customer ecosystems, not simply by scaling loan growth.
The top 10 digital banks by pre-tax profit leveraged scale advantages, yet growth varied widely, reflecting differences in strategies, market dynamics and operational priorities.
Chinese and US megabanks generate the largest absolute profits through scale and diversification, while emerging-market banks deliver higher — but more volatile — returns on equity.
China is building a multi rail financial system that supports industrial localisation, strengthens cross-border operations and positions banks at the centre of a new global operating model.
The Future Bank Council (FBC) convenes a briefing session on how AI agents are being deployed across financial institutions and their ecosystem partners.
The Future Banking Working Group (FBWG) invites members to an open dialogue session examining DCJPY as a live case study in tokenised deposit infrastructure.
The Future Banking Working Group (FBWG) invites you to our upcoming Open Dialogue Session: "How fintechs are reshaping SME lending", where we will explore the structural barriers for small and medium enterprises (SMEs) in accessing credit, navigating digital payments, and scaling across platforms and borders. As regulatory expectations rise and technology reshapes financial delivery, banks have opportunities to enhance how they serve this high-potential segment.
DeFi has matured from a niche concept into a viable alternative financial architecture, built on principles of automation, transparency, and resilience. Patrick Schueffel, professor at the Fribourg School of Management, highlights how DeFi challenges traditional finance by removing intermediaries and rebuilding trust through code.
For decades, traditional credit scoring has excluded billions in emerging economies. Christo Georgiev, CEO and founder of LenderLink, shares how new behavioural signals, AI models and institutional accountability are reshaping credit decisions and expanding financial access.
The Future Banking Working Group (FBWG) invites you to our upcoming Open Dialogue Session: "The Future of Banking with Tiravat Assavapokee and John Januszczak", where we will explore how digital assets, artificial intelligence and embedded ecosystems are shaping the future of finance in Southeast Asia.
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| Rank | Bank | Country |
|---|---|---|
| 25 | RBC | Canada |
| 20 | China Merchants Bank | China |
| 5 | JPMorgan Chase | USA |
| 61 | Commerzbank | Germany |
| 43 | ANZ | Australia |
| View Full Top 100 Index | ||
| Rank | Bank | Country |
|---|---|---|
| 1 | ICBC | China |
| 2 | ABC | China |
| 3 | CCB | China |
| 4 | BOC | China |
| 5 | JPMorgan Chase | USA |
| View Full Top 100 Index | ||
| Rank | Bank | Country |
|---|---|---|
| 1 | Nubank | Brazil |
| 2 | WeBank | China |
| 3 | MYBank | China |
| 4 | KakaoBank | South Korea |
| 5 | K-Bank | South Korea |
| View Full Top 100 Index | ||
| Rank | Bank | Country |
|---|---|---|
| 1 | Alipay | Global |
| 2 | Revolut | Global |
| 3 | Global | |
| 4 | Apple Pay | Global |
| 5 | Mercado Pago | Latin America |
| View Full Top 100 Index | ||
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Mai Kaneko leads international business and marketing at DeCurret DCP, a Japanese fintech firm operating a multi-bank network for tokenized deposit under the DCJPY framework. She oversees international expansion initiatives, bank-fintech partnerships and global go-to-market strategy. She holds a Master’s in International Relations from Georgetown University and a Bachelor’s in Economics from University of Tokyo.
Kinoshita has been involved in product development projects across a wide range of industries in Japan, including e-commerce, retail, banking, insurance, and manufacturing. He joined DeCurret DCP in 2024, where he has been engaged in the development of digital currency infrastructure. In addition to building the underlying infrastructure, he supports digital transformation (DX) initiatives associated with the adoption of digital currency solutions across various industries, and promotes projects aimed at enabling cross-border transactions.
Abhinav is currently based in Singapore and leads Client solutions and Sales for Partior. In this capacity, he oversees clients' journeys including commercial and central banks, from defining use cases to product integration. Before taking on this role, Abhinav gained extensive experience working with both global and local banks. He spearheaded transformative initiatives in Payments and Core Banking, requiring him to coordinate efforts across business units, technology teams, and regulatory bodies. Abhinav played a pivotal role in implementing Faster Payments projects throughout Asia, including notable projects like Singapore G3 Fast, Malaysia Duit Now, and Hong Kong FPS. Prior to his tenure in the banking sector, Abhinav served as a Payments Financial Services consultant to various banks and payment fintech companies such as ANZ, Deutsche Bank, and Bank of America. Originally from India, Abhinav holds an Engineering degree and a Postgraduate qualification in Machine Learning and Artificial Intelligence. He is also a dedicated father of two, and he enjoys spending his weekends playing tennis and cherishing moments with his family.
Sakae Hamasaki joined Sanwa Bank (currently MUFG Bank) in April 1993 and worked in corporate banking across five domestic locations. From 2006 onward, he gained extensive experience in the planning, development, and sales of payment-related services for corporate clients in Japan and overseas. He joined DeCurret DCP in 2022, where he has been leading initiatives to support banks in evaluating the adoption of tokenized deposits, as well as collaborating with overseas partners to build cross-border networks utilizing tokenized deposits.
Anouska Ladds is Executive Vice President of Commercial & New Payment Flows, Asia Pacific at Mastercard, based in Singapore. With over 17 years at Mastercard, she has held senior roles across sales, strategy, operations, market development, consultancy, and product development, spanning Asia Pacific, Europe, the Middle East, and Africa. Previously at Barclaycard, she specialised in strategy, customer experience, communications, and SME/acquiring businesses.
Johnson is a seasoned executive and data and AI leader with over 15 years of experience across the public and private sectors. He is currently Assistant Chief Executive at IMDA, where he helps shape Singapore’s digital future and advance the digital economy. He has held senior data and AI roles in regional banking and global consulting, and began his career in defence and critical infrastructure.
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