AEON Credit Sees Hurdles In Digital Banking
AEON Credit Sees Hurdles In Digital Banking
AEON Credit Service is sees progress in digital banking initiatives despite the challenges in the sector, according to reports by Kenanga Investment Bank.
根据马来西亚肯昌投资银行的报告，尽管该板块面临挑战，AEON信贷服务的数字银行计划取得了进展。
Kenanga maintains its OUTPERFORM call on the stock with a GGM-derived Price-to-Book Value (PBV) target price of RM8.55, reflecting positive long-term prospects despite current hurdles. The investment bank kept its forecast unchanged, citing Aeon's robust fundamentals and strategic alignment with digital banking trends.
肯昌投资银行维持买入评级，目标价为RM8.55，评估来自于GGm的市净率（PBV）参考，反映出尽管当前面临困难，AEON信贷服务的长期前景积极。该投资银行保持其预测不变，称AEON信贷服务基础坚实，与数字银行趋势战略一致。
The bank reported that the digital banking arm, Aeon Bank, which is 50% owned, faces challenges in improving financial services access for underserved communities due to infrastructure limitations. Despite robust digital frameworks like facial recognition and e-KYC, outdated devices and a lack of access to basic banking facilities pose significant hurdles for many potential users.
该银行表示，AEON Bank数字银行部门拥有颇具竞争力的数字框架，如人脸识别和电子身份认证，但由于设施老旧和基础设施限制等问题，很难改善这些未得到服务的社区的金融服务。尽管如此，很多潜在用户也面临着缺乏银行设施的问题。
The report highlighted Aeon Bank's efforts to collaborate with regulators like Bank Negara to address these issues and develop solutions together.
However, the analysts noted that early adopters of digital banking products are likely to be more affluent customers, with credit assessment criteria favouring these users when financing products are launched.
该报告还强调了AEON银行与马来西亚中央银行等监管机构合作解决这些问题及共同制定解决方案的努力。
然而，分析师们指出，数字银行产品的早期拥有者可能更多是富有的客户，在推出金融产品时，信贷评估标准有利于这些用户。