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.
根據馬來西亞肯昌投資銀行的報告，儘管該板塊面臨挑戰，AEON信貸服務的數字銀行計劃取得了進展。
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.
肯昌投資銀行維持買入評級，目標價爲RM8.55，評估來自於GGm的市淨率（PBV）參考，反映出儘管當前面臨困難，AEON信貸服務的長期前景積極。該投資銀行保持其預測不變，稱AEON信貸服務基礎堅實，與數字銀行趨勢戰略一致。
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 Despite robust digital frameworks like facial recognition and e-KYC, outdated devices and a lack of access to basic banking facilities pose significant hurdles for many potential users.
該銀行表示，AEON Bank數字銀行部門擁有頗具競爭力的數字框架，如人臉識別和電子身份認證，但由於設施老舊和基礎設施限制等問題，很難改善這些未得到服務的社區的金融服務。儘管如此，很多潛在用戶也面臨着缺乏銀行設施的問題。
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.
該報告還強調了AEON銀行與馬來西亞中央銀行等監管機構合作解決這些問題及共同制定解決方案的努力。
然而，分析師們指出，數字銀行產品的早期擁有者可能更多是富有的客戶，在推出金融產品時，信貸評估標準有利於這些用戶。