Digital Innovation: The Quantum Tectonic Shift: Digitally Rewiring the Banking Model

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Issue #145 (Nov - Dec 2025)
	Cover Story The Quantum Tectonic Shift: Digitally Rewiring the Banking Model Following the mobile banking revolution in the early 2000s, the digital advances driving new forms of wallets and currencies in the 2010s, and the new era of AI, data-driven insights, and Open Banking in the 2020s, banking is again on the edge of a revolution. Once confined to the realm of science fiction, quantum computing is rapidly evolving from theoretical possibility to technological reality.
	Thought Leaders Navigating the future: Challenges and Opportunities in the Digital Age As the Hong Kong Legislative Council representative for the finance sector, the Honourable Ronick CHAN Chun-ying, BBS, JP, explains the importance of facilitating interactions between the banking sector and the Hong Kong Government, promoting Hong Kong’s role as a financial superconnector, and explains why, in the age of rapid digitalisation, cultivating a future-ready workforce equipped with financial and technology skills is essential to maintain Hong Kong’s status as a leading international financial centre.
	Conference Highlight HKIB Annual Banking Conference 2025 Focused on Contemporary Topics Shaping the Future of Banking As the banking and finance sector continues to evolve at an unprecedented pace, under the theme “NextGen Banking: Adapting, Innovating, Thriving”, The Hong Kong Institute of Bankers (HKIB) Annual Conference explored new developments, emerging challenges, opportunities, and shed light on future trends. This summary provides an overview of the key takeaways and topical issues that were discussed at the event.
	Change Horizons Talent Capacity Building in an Evolving Banking Landscape With next-generation technology skills, banking knowledge, and specific soft skills expected to play a critical role in defining Hong Kong’s banking workforce needs over the next five years, the “Capacity Building for Future Banking 2026-2030” study provides a roadmap for talent development and identifies how addressing skill gaps requires comprehensive and collaborative reskilling, upskilling, and innovative talent attraction initiatives.
	GRC Corner Navigating the Legal Landscape of Insurance Premium Financing in Hong Kong Hong Kong’s financial services landscape is continuously evolving, presenting both opportunities and complexities. One such development is the emergence of insurance premium financing, which enables clients to leverage banking facilities to acquire insurance products.