Summary
Digital transformation is reshaping the growth strategies of APAC banks, as they shift focus from traditional interest income to new digital adjacencies. This report examines how leading banks in Asia-Pacific are leveraging banking-as-a-service (BaaS), superapps, data monetization, buy now pay later (BNPL) solutions, and financial marketplaces to diversify revenue streams and enhance customer engagement. It explores the drivers behind this shift, including operational efficiency, customer experience, and the need to capture greater wallet share in a competitive digital economy. The report details the structure and opportunities of each digital adjacency, such as how BaaS enables banks to offer white-label products through API ecosystems, or how superapps integrate multiple services to boost user retention. It also investigates the role of open banking, embedded finance, and advanced analytics in supporting these models. Case studies from top regional banks and fintechs illustrate practical approaches to API banking, data-driven personalization, and secure digital platforms. Key questions addressed include: What are the most promising digital adjacencies for APAC banks? How are banks building and monetizing API ecosystems? What imperatives must banks meet to succeed with superapps, data monetization, BNPL, and marketplaces? How do open banking and embedded finance support these strategies? The report provides a comprehensive framework for banks and technology providers seeking to understand and capitalize on the evolving digital banking landscape in Asia-Pacific.
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