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    Innovation

    Disrupting with purpose

    We innovate to unlock opportunities where it matters most for our clients and our communities.

Innovation is in our DNA

We have big ambitions for our business and for driving growth in our markets. That’s why we’re using technology to boost financial inclusion, and developing disruptive business models to address unmet client needs – including investing in products which challenge us.

Our track record ranges from the first ATM in Asia to AI and blockchain solutions that help companies seize on new opportunities in our markets. With the expertise of a bank and agility of our fintech partners, we innovate to unlock growth. It’s just one of the ways we’re here for good.

  • Partnering for scale

    We’re collaborating with an array of tech pioneers to help us achieve our ambitions.

  • New business models

    By fusing our capabilities with emerging tech, we create solutions to address unmet client needs.

  • Transforming our core

    We’re stepping up investment in our digital platforms to seize opportunities across our markets.

How do we make a difference?

As a leading network bank, our approach to innovation is global, drawing on diverse perspectives, expertise, partnerships, and capabilities to drive impact.

  • The future of fintech?

    Regulatory expertise can make large banks surprisingly nimble tech partners. Our CEO Bill Winters discusses the opportunity in a special in-conversation with 11:FS.

  • Podcast: Breaking Banks Asia

    Group Chief Executive Bill Winters joined the Breaking Banks podcast to discuss why he’s such a fan of fintechs, how we’re supporting digital assets, and future of AI in finance.

  • A woman uses a touch screen to check public transport times.

    Culture is key to transformation

    Our Chief Transformation, Technology & Operations Officer Roel Louwhoff discusses accelerating digital transformation and the role culture and technology play in shaping success.

Innovation in numbers

Our partnerships are just one way we support people to meet their ambitions, and serve the businesses who are the engines of prosperity and growth.

Build the future of banking

Innovation needs collaboration. So we’re always looking out for the brightest minds, as well as building the best tools for tomorrow’s banking.