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CITIC TELECOM CPC > About Us > Target Customer of Virtual Banks (Chinese Version Only)
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2019-07-03

Target Customer of Virtual Banks (Chinese Version Only)

Media Coverage @ IT Square

虛擬銀行客源

上星期,香港通訊業聯會(CAHK)舉辦商業午餐,討論虛擬銀行及保安,並由中信國際電訊CPC贊助,羅兵咸永道(PwC),並由中信國際電訊CPC贊助。PwC金融服務合夥人Gary Ng,加上亞銀金融集團行政總裁Michael Leung探討虛擬銀行趨勢,又多家獲得牌照虛擬銀行出席。


羅兵咸永道曾助多家虛擬銀行向香港金融管理局取得牌照,Gary Ng對於虛擬銀行有一番研究,估計虛擬銀行會推出不同特色業務,金融服務更多元化。


虛擬銀行有不同定位,部分以前做私人貸款,亦有做保險、互聯網企業、網購、電訊、傳統銀行等。不過,虛擬銀行監管上與傳統銀行一樣,只不過並無分行。香港銀行牌照數目超過155家,短時間再增加8家虛擬銀行,競爭可想而知。


本港只有700多萬人口 ,如何再有市場容納新加入銀行,令人相當懷疑,傳統銀行亦開發網上銀行,但又有實體分行,加上只有香港永久居民,才能網上開設銀行戶口,所以虛擬銀行如何擴大市場,唔少人相當懷疑。


此外,遙距開戶不只是技術問題,還包括如何做好「認識你的客戶」(KYC)盡職審查,目前遙距開戶只限於本港永久性居民,限制虛擬銀行擴展空間。


虛擬銀行長遠發展,必須更大市場空間,最近嘅客源,當然係大灣區。內地已開始互聯網實名制,中信國際電訊CPC首席信息及創新總監Daniel Kwong指出,中國內地開放NCIIC平台,作實名制驗證API介面通道。技術上,虛擬銀行完全可驗證國內戶口持有人身份,進行遙距開戶KYC驗證。


雖然中國向外開放上述技術作不同用途,包括購買流動電話卡及火車票,不過至今為中國並不開放NCIIC予境外,開立銀行戶口。


中國嚴格限制國外,開立戶口作金融活動,仍有不少限制,所有除非中國放寬金融限制,否則虛擬銀行只能服務本地市場,市場空間會限制發展。雖然金管局表示,虛擬銀行會提供普惠金融服務,銀行唔係慈善機構,服務有錢人先至可取得盈利。


部分虛擬銀行亦由傳統銀行參與,目標係從創新取得經營銀行嘅靈感,其他則股東實力強大,所以亦唔擔心。


虛擬銀行開發API為主,以更與不同創新行業對接,通過手機與用戶互動,可以無遠弗屆,理論上方便隨時開戶,最有需要上述服務,可能係大灣區或者已經移居海外嘅香港人。

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