Insights
Analysis and commentary from the H&B International team on the trends, developments, and regulatory shifts shaping financial services across Asia-Pacific.
Featured
Hong Kong's regulatory environment is undergoing a period of significant transformation. From the HKMA's Supervisory Policy Manual updates to the SFC's expanded oversight of virtual asset service providers, financial institutions face an increasingly complex compliance landscape. This article examines the key regulatory developments of 2026 and their practical implications for compliance and technology teams.
Open banking frameworks are maturing across Asia-Pacific, but implementation progress varies significantly by jurisdiction. We assess the current state of play in Hong Kong, Singapore, and Australia — and what it means for institutions planning their API strategy.
Traditional rule-based AML systems are struggling to keep pace with increasingly sophisticated financial crime. Machine learning-driven approaches offer significant advantages — but implementation requires careful consideration of model governance, explainability, and regulatory acceptance.
Core banking modernisation remains one of the most complex and high-stakes programmes a financial institution can undertake. This article sets out a structured framework for approaching legacy migration — from initial assessment through to parallel running and cutover.
A growing number of financial institutions have moved to automate their regulatory reporting workflows. We examine the approaches taken by early adopters, the benefits realised, and the implementation pitfalls to avoid.
Embedded finance is reshaping the competitive landscape for traditional financial institutions. As non-financial platforms integrate banking services, incumbents must decide whether to compete, partner, or enable — and the answer is rarely straightforward.
Financial institutions operating across Hong Kong, Singapore, and European markets face a complex web of data protection obligations. This article maps the key requirements and identifies the practical steps institutions can take to build a coherent cross-border data governance framework.
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