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15-09-2017
創科創投基金

政府已於2017年9月15日推出「創科創投基金」。該計劃現正接受風險投資基金申請成為共同投資伙伴(截止日期:2018年1月15日)。簡介會將於2017年10月3日於香港科學園舉行,歡迎風險投資基金出席。

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16-07-2018
FICO: Australians prefer to get car loans online

A global survey on consumers’ automotive finance experience found a growing inclination for vehicle shoppers in Australia to apply for auto loans online. Forty-two percent of consumers in Australia and 40% of consumers in New Zealand indicated they would like to apply for their next automotive loan online.Sixty-six percent of respondents believe that convenience was the main reason for choosing an online channel for automotive loan applications; 52% say it allows them to easily compare shop across lenders; while 57% of consumers in Australia currently spend 30 minutes or more completing the loan financing process.Only the UK had more respondents who indicated preference for online at 48%.These results indicate a significant shift in channel preference for loans with the majority of consumers. Forty-five percent of respondents in Australia and 62% in New Zealand have applied for their most recent auto loans at dealerships.“Unlike the US, where seven in ten respondents would rather apply for their next loan at a dealership or through a visit to the bank or lending institution, Australian consumers are more open to the idea of digital financing,” said Paul Swyny, automotive lead in Australia for FICO. “Convenience, speed and ability to comparison shop across lenders were the top reasons given by consumers. Unlike other markets, auto dealerships and banks were not seen as having a pricing, security or convenience advantage in the Australian market.”When it came to time spent on the transaction, 57% of consumers in Australia currently spend 30 minutes or more completing the auto loan financing process.While this pales in comparison to countries like Mexico (65%), USA (62%) and Chile (60%), there is much room for improvement in terms of speed and efficiency.Consumers are very open to instant, pre-qualified offers to improve expediency. Only 17% of Australian consumers would not accept such an offer and may prefer instead to work through a traditional, full loan application process and credit check.“Predictive scoring analytics can help to ensure creditworthiness accuracy and reduce the manual underwriting that still takes place to complete a loan today. Optimization of deal structures can ensure an appealing offer is made to the consumer while ensuring profitability for the lender. Instant and accurate lending decisions will deliver a positive customer experience and grow the loan books of lenders,” added Swyny. Caption: Image from iStockPhoto/Kwangmoozaa

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15-07-2018
HK SFC fines CCBIC US$3M for incomplete due diligence

CCB International Capital becomes the latest IPO sponsor that gets reprimanded and fined by the Securities and Futures Commission in Hong Kong, after Citigroup Global Markets Asia and UBS earlier in the year.The SFC on Monday fined CCBIC HK$24 million (US$3.06 million) for failing its duty as a sponsor in the initial public offering application in Hong Kong of Fujian Dongya Aquatic Products.According to the regulator, CCBIC did not conduct all reasonable due diligence on Dongya before submitting the seafood firm’s application to be listed on the stock exchange’s main board in March 2014. Dongya finally did not list.EDITOR's CHOICE: Global banks embroiled in US$77 million Jobs-as-Bribes in AsiaWhile about 90% of Dongya’s turnover between 2011 to 2013 was derived from its sales to overseas customers, the investment bank did not complete the due diligence on the company’s customers agreements or interviewed some of these customers face-to-face, SFC.According to an SFC statement, the lack of proper customer due diligence includes:only 12 of 22 overseas customers were interviewed in face-to-face meetings and 11 of these 12 interviews were conducted in the presence of one or two Fujian Dongya representatives; eight of these 12 interviews were not conducted in the customers’ premises; and Ten customers were interviewed by telephone but there is no record as to why these customers could not attend face-to-face interviews.In addition, the SFC found that a member of CCB International Capital’s transaction team raised concerns about the genuineness of the signatures on the indemnity agreements and a review of agreements shows that some of them were signed by the same person on behalf of different customers.The SFC’s investigation also found that CCBIC did not keep a proper audit trail or written record of its due diligence work.“For example, CCBIC did not maintain records that could explain its decision of not completing the above-mentioned due diligence plan,” the regulator said in the statement.SFC said it took into consideration CCB International’s improvement on internal controls when it comes to disciplinary sanction, adding that it found “no evidence that the breaches and deficiencies identified above were deliberate, intentional or reckless” as the investment bank cooperated fully with investigators.Citigroup Global Markets was fined HK$57 million for failing in its duties as IPO sponsor to Real Gold Mining in May, while UBS was fined HK$119 million and suspended as an IPO sponsor for 18 months.First published on CFO Innovation Caption: Image from iStockPhoto/RapidEye

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13-07-2018
Snips to launch privacy-focused smart home AI assistant

AI startup Snips has revealed plans to launch a blockchain-powered AI voice assistant in Hong Kong that does not process any user data in the cloud

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13-07-2018
China tops the world in mobile payment adoption

More than three in four Chinese use mobile payment services, and the country has rapidly taken the lead in the era of mobile payment

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13-07-2018
MediaMath raises another $225M to accelerate expansion

MediaMath has announced an integrated set of initiatives designed to advance the next generation architecture for digital marketing. This includes investments in technology and people, as well as US$225 million (SG$306M) in new financing.Capital invested tops US$500MThe financing will provide strategic growth capital for MediaMath accelerate the expansion of the firm’s Demand Side Platform (“DSP”) and Data Management Platform (“DMP”) and will bring its total capital invested to over US$500 million.Key initiatives upon which MediaMath is currently executing include expanding its open identity stack and reengineering the infrastructure that connects consumer touchpoints. The later includes scaling activity in high growth channels such as connected television and digital out-of-home.MediaMath says it will also accelerate the broad adoption of artificial intelligence, which it sees as a prerequisite to driving real business outcomes with consumer respect at scale. It is understood that the company is working with IBM to infuse AI into real-time marketing decisions.“MediaMath is uniquely positioned to architect and deliver the idealized version of the marketing stack of the future for both brands and agencies,” said Darren Glatt, a partner at Searchlight Capital Partners which led this round of financing.“The marketing industry has reached a tipping point, with more than half of consumer time now spent on digitally connected devices, yet the challenges associated with connecting marketers with consumers to everyone’s benefit are still as palpable as ever,” said Joe Zawadzki, CEO of MediaMath.“We’re excited to have the people, products and partners to successfully deliver on the promise of making ‘marketing everyone truly loves’ – from consumers to advertisers to all participants in between.”Further reading:Getting programmatic advertising to work in AsiaMediaMath trains over 4,000 APAC marketers in programmaticCMOs need to own up to YouTube ad debacle Caption: Image credit: iStockphoto by Getty Images

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13-07-2018
CWHK Awards 2018: Powering next generation data centers

Schneider Electric Galaxy VM/VX offers scalable and flexible power protection

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13-07-2018
CWHK Awards 2018: Empowering businesses with interconnectivity

SUNeVision forms a mega data center network in the cloud age

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13-07-2018
Fitch: Reforms hamper Asian frontier banks’ growth

Asia's frontier markets are pushing ahead with banking sector reforms that should ultimately improve weak regulatory frameworks and strengthen banks' buffers against shocks. However, capital shortages, asset-quality problems and regulatory efforts to address these weaknesses are likely to constrain the growth of even stronger banks over the next two years, says Fitch Ratings.MongoliaMongolia has completed an asset-quality review, followed by a stress test, as of part its IMF arrangement, which should raise the comparability of banks' financial profiles after adjustments are formally booked into their end-June 2018 statements. New laws could further strengthen the authority of the regulator if consistently enforced. Moreover, the operating environment has become more supportive as economic growth has accelerated and government refinancing risks have declined.The transparency of the recapitalization process and NPL resolution will test the credibility of the reform process. Banking system asset quality remains weak, with a high reported NPL ratio of 8.2% at end-May 2018. Many NPL accounts have remained unresolved for some time. The government may inject capital into systemically important banks if they are unable to raise sufficient capital by end-2018. Fitch does not believe shortfall amounts would pose a significant funding challenge to the Mongolian sovereign if public funds are required.VietnamVietnam has scheduled Basel II implementation for 1 January 2020, which will further pressure local banks' already-thin capital buffers that were diminished by rapid lending growth. Fitch estimate Basel II will reduce banks' capital-adequacy ratios by up to 4pp, with some state-owned banks likely to fall short of minimum requirements.These challenges are balanced by upbeat economic conditions, which are supporting the efforts of some banks to reduce or write off bad debt. Under-reporting of asset quality issues remains widespread, reflecting how regulatory development has trailed economic progress. Nevertheless, the fall in major banks' weighted-average problem loan ratio to 5.0% in 2017, from 9.2% in 2014, indicates some progress.Sri LankaSri Lanka has moved faster than the other two markets in adopting international regulatory standards; it began implementing Basel III in 2017, and is scheduled to introduce IFRS9 in 2018. Fitch estimates some large banks will, in total, require an additional US$120 million of capital to meet full compliance by 2019. The shift to SLFRS 9 could add to capitalization pressure.Moreover, the country's banks are likely to face a more challenging operating environment than those in Mongolia and Vietnam, which could place modest pressure on ratings unless sufficient loss absorption buffers are maintained. Caption: Image from iStockPhoto/MikhailMishchenko

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12-07-2018
China shows the way in mobile payments

In China, with just a mobile phone in your hand, you can hop on the subway or bus, shop in a supermarket or convenience store, pay for needed supplies while on campus or settle a traffic fine via the mobile Quick Pass function.This is now part and parcel of the daily routine for many people in China.Today, mobile payments have seamlessly penetrated into every person's daily activities and has had a profound effect on their lives. All eyes are on China, as the world's most populous country has rapidly taken the lead into the era of mobile payment.Ahead of the rest of the worldA survey of 18,000 consumers across 23 countries and regions by Ipsos, a leading international market research firm, shows that 77% of all Chinese use mobile payment services, ranking the country first in the world. The penetration rate of mobile payment in the US and Japan has so far only reached 48% and 27% respectively.Given the size of the Chinese population, the difference is remarkable.Taking the daily movement of its population as an example, dramatic changes have been observed in the way Chinese commuters and travelers pay when they board a bus or subway or drive a car to get where they are going, all of which has been made possible by the popularity of mobile payments.Using UnionPay mobile payment to settle all fees that occur while in transit is now the commonly accepted way to get from point A to point B in more than 400 counties and cities across China, with the highest percentages of the population already doing so located in Shanghai, Guangzhou, Tianjin, Hangzhou, Fuzhou and Jinan.To cite Hubei province as just one example, car owners who have added their vehicle information to the UnionPay app and set up their UnionPay payment function as the default payment option can drive through any toll plaza along the highway without stopping, and the system will automatically recognize the license plate and submit the highway toll.Convenient mobile payment service for all payment scenariosWith the goal of improving the quality of life through service enhancements that benefit every person resident in China, a project to evidence the convenience of mobile payments under the aegis of China's central bank named the Mobile payment convenience demonstration project targets areas that are most likely to touch on every person's life, including what are referred to as the 10 major payment scenarios:Travel by bus or subway Food market and other local convenience shopping Restaurant dining Supermarket shopping  Use of public services Self-service vending machines  On-campus activities College or university cafeteria  Healthcare   Settlement of traffic finesConsumers can settle the payment quickly and efficiently as long as they use the UnionPay app, UnionPay mobile QuickPass or UnionPay QR code payment.Pages1 2 » last »

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12-07-2018
Marriott International, Alibaba Group trials facial recognition check-in

A joint venture between Alibaba Group and Marriott International is spearheading Marriott International’s facial recognition check-in pilot with Fliggy, Alibaba’s travel service platform.This announcement comes hot off the heels of the joint venture’s recent global rollout of the Post Post Pay (PPP) functionality and redesigned storefront on Fliggy, to continually elevate the travel experience for tech-savvy Chinese travelers.“We are excited to partner with the joint venture yet again to offer an innovative and convenient check-in alternative for Chinese travelers. Marriott International has a track record of embracing cutting-edge technology to create memorable experiences for guests,” highlighted Mr. Henry Lee, COO and managing director of Marriott International Greater China and Board Member of the Joint Venture.“With technology, our hotel associates can work more efficiently to do what they do best – delivering personalized service to our guests.”With Fliggy’s expertise in facial recognition technology and the joint venture’s hospitality insights, the pilot will kick off from July 2018 at two Marriott International properties in China – Hangzhou Marriott Hotel Qianjiang and Sanya Marriott Hotel Dadonghai Bay – with the goal of global rollout across Marriott International’s properties in the future.This move is set to position Marriott International as a pioneer global hospitality company to offer this seamless check-in experience for Chinese travelers.  The traditional hotel check-in process takes at least 3 minutes and even more during peak times with most of it spent on queuing. With the adoption of facial recognition technology, the check-in process can be completed in less than a minute.Chinese guests simply need to scan their IDs, take a photo and input contact details on a self-help machine. The intelligent device will then dispense room key cards after identities and booking information are verified.Through strategic findings from the joint venture, facial recognition check-in improves operational efficiencies.According to market research by consulting firm Ipsos, Chinese travelers have shown a strong interest in new technologies in hotels with over 60% showing their preference for facial recognition technology.Since the establishment of the joint venture in August 2017, Marriott International has benefited tremendously from the joint venture’s comprehensive matrix of digital travel solutions and consultancy services, including digital platform consulting and management, customized marketing, business intelligence; and service innovation.The Marriott storefront on Fliggy (marriottcn.fliggy.com) is now managed by the joint venture given its digital platform consulting and management expertise, and it is also a Chinese booking gateway with multi-faceted offerings in one platform.Guests can now access to approximately 6,000 hotels from across Marriott International’s global inventory of 30 brands and choose Li Yu certified hotels, presented in a Chinese traveler-friendly layout.As a firm that seeks to redefine the travel experience for Chinese travelers, the joint venture has also enabled a seamless booking experience by rolling out the Post Post Pay functionality at over 1,000 Marriott International hotels globally, in addition to enabling exclusive members-only rates through the storefront.Along with digital enhancements, Marriott International has also witnessed significant growth of over two million loyalty members as of June 2018. Enabled by the joint venture, members can now link their Marriott Rewards and Fliggy memberships through status matching, earn points and enjoy benefits from both programs.“We are proud to have a hand in supporting Marriott International to redefine the experience of Chinese travelers with innovative services,” said Mr. David Chai, CEO of the joint venture.“These accomplishments thus far are testament to our solid expertise of providing effective solutions and services across the entire journey of a traveler; and we look forward to continuing reinventing and showcasing our expertise.”Moving forward, the joint venture will continue its work on enhancing the storefront and linking the loyalty programs of Marriott International and those of the Alibaba ecosystem; allowing more Chinese consumers to enjoy personalized and VIP experiences. 

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12-07-2018
H3C appoints new Hong Kong and Macau leaders

H3C Technologies has promoted Philip Yu to the post of GM for Hong Kong and Macau and Henry Lam to deputy GM

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12-07-2018
Huawei extends connected vehicle partnership with Audi

Huawei and Audi China are expanding their collaboration on intelligent connected vehicles, initially focused on the Chinese market

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12-07-2018
CWHK Awards 2018: HKT scores for the 11th straight year

For data and telco services, it’s HKT once more

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12-07-2018
CWHK Awards 2018: Multifunctional copiers streamline workflow

Canon imageRUNNER ADVANCE copier improves business efficiency

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12-07-2018
OPINION: IoT and blockchain will digitize daily life

We cannot even imagine all models to use these two things together in the future

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CyberLink Vol.117 June 2018

Cyberport's Smart-Space 8 in Tsuen Wan is open for online application

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CyberLink Vol.116 May 2018

Message from CEO

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CyberLink Vol.115 March 2018

Check out the key drivers for the new economy at IES 2018

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