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Home > About Us > News Center > Target Customer of Virtual Banks (Chinese Version Only)

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Target Customer of Virtual Banks (Chinese Version Only)

Media Coverage @ IT Square

2019-07-03


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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