TOP TRENDS INCOMMERCIAL BANKING: 2020

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1. The Global Treasurer, ”Virtual account management and better banking experiences,” Tim Martin, August 13, 2018, https://www.theglobaltreasurer.com/2018/08/13/virtual-account-management-and-better-banking-experiences

2. Euromoney, “Treasury Non-Stop: Excitement builds for real-time,” July 2018, https://www.euromoney.com/Media/documents/euromoney/pdf/sponsored/Treasury%20non-stop%20excitement%20builds%20for%20real-time.pdf.

3. UNODC, “Money-Laundering and Globalization,” https://www.unodc.org/unodc/en/money-laundering/globalization.html, accessed October 20194. BusinessWire, “HSBC Partners with FinTech Platform NepFin to Bolster Lending Proposition for Middle Market Businesses,” February 26, 2019,

https://www.businesswire.com/news/home/20190226005222/en/HSBC-Partners-FinTech-Platform-NepFin-Bolster-Lending/

INTELLIGENT SOLUTIONS

MITIGATING RISK IN THE CHANGING LANDSCAPE

The ecosystem of the future will offer

corporations enhanced client experience

Blockchain incross-border trade

Virtual AccountManagement

Cloud-first digital transformation

Real-time payments ecosystem

Commercial banks are adoptingblockchain-based solutions to

simplify complex transnational trade settlement processes

Commercial banks are improving client experience

through VAM services that offer better cash

management and flexibility

More and more commercial banks are embracing real-time payments to manage cash and liquidity efficiently

Commercial banks are leveraging cloud

services to reduce operational and scalability costs

47.5% Corporate treasurers believe

real-time payments will highly impact

their department(2)

94% Banks said virtual accounts

solutions help them win new customers(1)

DEEP CUSTOMER INSIGHTS DATA-DRIVEN COMPLIANCE

Anti-money laundering compliance Cybersecurity

Artificial intelligence solutions help commercial banks review trade transactions and comply with

global AML regulatory requirements

Commercial banks are leveraging technologies such as biometrics,

blockchain, and artificial intelligence to bolster operational

security against cyberattacks

$$

US$ 800 Billion to

2 Trillion(3)Estimated annual money laundered (in current US$)

OPEN BANKING

Banks are partnering with FinTechs to build a new commercial banking ecosystem

DeveloperPortals

Access to SMEs

Commercial banks are buildingdeveloper portals to support

collaborative partnerships and broaden their portfolio of offerings

Banks are forging a strategic alliance with FinTechs to roll out

products and services for middle-market companies

In the United States, SMEs contribute US$ 7 trillion in annual revenue(4)

Open XEcosystem

Seamless exchange ofdata and resources

Expedited productinnovation

Improved experiencefor customers

OPEN X