Today’s banking landscape is one shaped by technological advancements. Digitalisation, artificial intelligence, cloud computing and mobile banking are central to enhancing both customer experiences and operational efficiency. Simultaneously, it is a landscape shaped by broader societal changes. Geopolitical uncertainty, environmental sustainability, evolving data privacy and security regulations, and the changing nature of work and talent acquisition all play a part in moulding modern banking.

The six trends we’ve identified are:

• Hybrid/multi-cloud and AI
• Platform consolidation
• Leveraging open banking
• Mobilising talent
• Expanded threat landscape
• Preserving privacy

In the following pages, we will explore the trends from regional banking surveys and market analysis that are defining the present and future of banking in key APAC markets (Singapore, Hong Kong, Australia, Indonesia, Malaysia, Thailand, Vietnam, and the Philippines) and Japan, examining the different demands they place on banks looking to innovate and stay relevant.