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2022

  • report
  • consumer retail

BTIR 2.0 – Buy Term, Invest the Rest: The Case for Changing the Way Life Insurance and Investments are Bought in Hong Kong in the Age of Digital D2C Solutions

This thought leadership piece analyses the life insurance landscape in Hong Kong, particularly with regards to the state of whole life insurance plans in the face of the rise of an alternative approach, termed “Buy Term, Invest the Rest (‘BTIR’)”, how the rise of digital D2C players, such as virtual insurers and WealthTechs, has ushered in an even more robust BTIR 2.0 strategy, and the consequent impact on industry stakeholders, including insureds, insurers, agencies, wealth managers, and regulators.
See our findings
Quinlan-and-Associates-FavIcon 2

“Buy Term, Invest the Rest” could transform life insurance in Hong Kong, closing protection gap of HKD 6.9 trillion and delivering 6.8x higher returns than whole life

  • report
  • banking

Tailor-made: Hyper-personalising the Retail Banking Experience

This thought leadership report examines the current state of personalisation in the retail banking industry to identify key gaps in the user experience, the strategic and operational amendments required to hyper-personalise the customer journey, and the potential upside on offer.
See our findings

Hyper-personalisation can increase retail bank customer acquisition by 63% and monetisation by 94%

  • blog

WEB3 WEEKLY RECAP | 17-21 NOVEMBER 2025

  • blog

WEB3 WEEKLY RECAP | 10-14 NOVEMBER 2025

  • blog

WEB3 WEEKLY RECAP | 27-31 OCTOBER 2025

  • blog

WEB3 WEEKLY RECAP | 13-17 OCTOBER 2025

  • report
  • banking

From Experimentation to Adoption: Developing the Right Value Proposition for CBDCs in the Digital Money Race

This report explores the current state of CBDC exploration efforts by central banks across the globe. In particular, it looks at key barriers that are preventing CBDCs from moving beyond research / PoCs to full-scale implementation, including why those that have launched have been unable to gain meaningful traction. Drawing on lessons from both early CBDC adopters, as well as more widely adopted forms of digital money such as stablecoins and tokenised deposits, the paper outlines what it will take for the next generation of CBDCs to achieve widespread adoption.
See our findings
  • blog

WEB3 WEEKLY RECAP | 2 – 10 OCTOBER 2025

  • blog

WEB3 WEEKLY RECAP | 22-26 SEPTEMBER 2025

  • blog

WEB3 WEEKLY RECAP | 15-19 SEPTEMBER 2025

The Digital Revolution of the Insurance Industry

Speedy Sentoso

  • blog

WEB3 WEEKLY RECAP | 8-12 SEPTEMBER 2025

Virginia Yu

  • blog

WEB3 WEEKLY RECAP | 1-5 SEPTEMBER 2025

  • blog

WEB3 WEEKLY RECAP | 25-29 AUGUST 2025

Kira Kong

  • blog

WEB3 WEEKLY RECAP | 18-22 AUGUST 2025

  • blog

WEB3 WEEKLY RECAP | 11-15 AUGUST 2025

Hong Kong Outpaces Singapore in Wealth Tech Adoption

  • blog

WEB3 WEEKLY RECAP | 4-8 AUGUST 2025

  • blog

WEB3 WEEKLY RECAP | 28 JULY – 1 AUGUST 2025

  • blog

WEB3 WEEKLY RECAP | 21-25 JULY 2025

  • blog

WEB3 WEEKLY RECAP | 14-18 JULY 2025

  • blog

WEB3 WEEKLY RECAP | 5-11 JULY 2025

  • report
  • finTech

Hong Kong Digital Assets Outlook: Capitalising on Recent Legislative Developments

This report examines the rapidly evolving digital asset landscape in Hong Kong and how the city’s forward-leaning regulatory developments are creating opportunities for early movers.
See our findings

Wealthtech Gain Grounds in Singapore Amid Investor Dissatisfaction and Evolving Expectations

Digital solutions the way forward as financial institutions capitalise on wealth management opportunities in Hong Kong and Singapore: Study

Allfunds Asia and Quinlan & Associates today co-published a thought leadership report that examines the digital wealth management landscape in Hong Kong and Singapore and how financial institutions are leveraging WealthTech solutions to capture new market opportunities.
  • report
  • finTech

Rich Pickings: Unpacking the WealthTech Revolution in Hong Kong and Singapore

This report examines the broader wealth management opportunity in Hong Kong and Singapore, and how WealthTech solutions can address pain points across the customer journey. It also explores how financial institutions are going about their digitalisation efforts, with a deep-dive on how they are approaching working with B2B WealthTech vendors.
See our findings

High Performer Burnout Is REAL (No One Talks About This)

Corporate Training

  • report
  • finTech

Distributed Ledger Technology in the Financial Sector: A Study on the Opportunities and Challenges

This research paper explores the role of DLT in reshaping the financial sector, including its benefits and adoption challenges, brought to life with 10 real-world use cases. It also provides an overview of the HKMA’s initiatives to promote DLT adoption in Hong Kong.
See our findings
  • report
  • finTech

Adoption Practice Guide on Greentech in the Banking Sector

This Guide aims to provide practical insights and actionable measures for Authorized Institutions in Hong Kong to advance their net zero transition agendas by leveraging Greentech solutions, as well as a roadmap for integrating sustainability practices seamlessly into their operations.
See our findings

Stablecoin Seminar Feedback

Thank you for attending our seminar. Your feedback is valuable to us. This survey will take less than a minute to complete.

IDA Joint Seminar Registration Complete

IDA Joint Seminar

This seminar will examine the definition of stablecoin and explore its challenges and desired characteristics to promote real-world adoption. The following panel discussion will dive into its impacts on the market and regulatory landscapes.
  • report
  • finTech

Digital Money Snapshot: Understanding the Differences Between CBDCs, Stablecoins, and Tokenised Deposits

This report examines the differences between different types of digital money: CBDCs, stablecoins, and tokenised deposits
See our findings

Hong Kong banks hoard record piles of cash as economy sputters

How Blockchain is Reshaping Banking in Asia

  • report
  • transport

The Pulse of Mobility: A Review of Hong Kong’s Point-to-point Transportation System

In this report, we explore the challenges within Hong Kong's point-to-point (“Pt2Pt”) transport landscape and investigate the case for ridesharing platforms in Hong Kong. We also outline policy recommendations to optimise Hong Kong's taxi services and legalise ridesharing in the city.
See our findings
  • report
  • finTech

From Digital Currency to Legal Tender: The Role of Regulated Stablecoins in Driving Real-World Payments

This report examines the challenges facing many of today’s stablecoins and the potential of regulated, non-captive stablecoins to revolutionise global payments.
See our findings

Report shows that stablecoins will be crucial for advancing Hong Kong’s position as a leading Web3 hub. Regulations are the key to mass adoption.

In this joint report, we explore macro, cyclical, and structural drivers of the Web3 market and study the application of blockchain to real-world use cases.

Hong Kong SME’s funding gap at $21.7b

Quinlan & Associates consulting Hong Kong

Hong Kong Trade Finance & Cargo Service Financing Outlook

The Importance of Training for DLT Solution Activation

This training, titled ‘The Importance of Training for DLT Solution Activation’, is the last instalment of the HKMA’s Fintech Training Series and facilitated by Quinlan & Associates and KPMG.

The Importance of Training for DLT Solution Activation Feedback

Thank you for attending our training. Your feedback is valuable to us. This survey will take less than a minute to complete.

The Importance of Training for DLT Solution Activation Registration Complete

  • report
  • finTech

GenA.I. in the Financial Services Space

This paper discusses (1) the concept of GenA.I., (2) common adoption areas of GenA.I. solutions throughout the financial services industry, (3) key adoption / deployment considerations, (4) and suggested practices to address these considerations.
See our findings

Is Hong Kong’s Banking Sector on the Brink of a Revolution

  • report
  • finTech

A New Chain of Thought: Exploring the Building Blocks of the Next Digital Era

In this report, we explore the macro, cyclical, and structural growth drivers of the Web3 market, including how different organisations across a variety of industries are applying blockchain technology to real-world use cases.
See our findings

System Integration Training Feedback

Insurtech Seminar

Insurtech Seminar Registration Complete

Insurtech Seminar Feedback

Digital Banking Landscape of the region

eCOM joint webinar

This webinar aims to provide incumbent lenders with a fresh perspective on how to best put alternative data to use in delivering tangible economic value to their trade finance businesses, including capturing new opportunities in the long-underserviced cargo service financing space.
  • report
  • banking

Beyond Trade Finance

In this report, we examine the intricacies of the trade finance and cargo services ecosystem in Hong Kong and the broader Asia Pacific region, including the persistent credit gap and its underlying causes. We also explore the case for incumbent lenders to explore alternative data-driven lending solutions to bridge this credit gap.
See our findings

Training Series: Proof-of-Concept

Hosted by the Hong Kong Monetary Authority (HKMA) and facilitated by Quinlan & Associates and KPMG, this training, titled ‘The Roadmap to Successful Proof-of-Concept (TBD)’, aims to offer middle management professionals at financial institutions in Hong Kong with practical guidance on running a PoC process for Fintech deployment initiatives from inception to graduation. The session will cover the overall PoC process, outline elements to be tracked and reported throughout the journey, identify common challenges that may impede the transition to full implementation, and highlight key success factors for PoC initiatives.
Show more

2021

  • report
  • consumer retail

BTIR 2.0 – Buy Term, Invest the Rest: The Case for Changing the Way Life Insurance and Investments are Bought in Hong Kong in the Age of Digital D2C Solutions

This thought leadership piece analyses the life insurance landscape in Hong Kong, particularly with regards to the state of whole life insurance plans in the face of the rise of an alternative approach, termed “Buy Term, Invest the Rest (‘BTIR’)”, how the rise of digital D2C players, such as virtual insurers and WealthTechs, has ushered in an even more robust BTIR 2.0 strategy, and the consequent impact on industry stakeholders, including insureds, insurers, agencies, wealth managers, and regulators.
See our findings
Quinlan-and-Associates-FavIcon 2

“Buy Term, Invest the Rest” could transform life insurance in Hong Kong, closing protection gap of HKD 6.9 trillion and delivering 6.8x higher returns than whole life

  • report
  • banking

Tailor-made: Hyper-personalising the Retail Banking Experience

This thought leadership report examines the current state of personalisation in the retail banking industry to identify key gaps in the user experience, the strategic and operational amendments required to hyper-personalise the customer journey, and the potential upside on offer.
See our findings

Hyper-personalisation can increase retail bank customer acquisition by 63% and monetisation by 94%

  • blog

WEB3 WEEKLY RECAP | 17-21 NOVEMBER 2025

  • blog

WEB3 WEEKLY RECAP | 10-14 NOVEMBER 2025

  • blog

WEB3 WEEKLY RECAP | 27-31 OCTOBER 2025

  • blog

WEB3 WEEKLY RECAP | 13-17 OCTOBER 2025

  • report
  • banking

From Experimentation to Adoption: Developing the Right Value Proposition for CBDCs in the Digital Money Race

This report explores the current state of CBDC exploration efforts by central banks across the globe. In particular, it looks at key barriers that are preventing CBDCs from moving beyond research / PoCs to full-scale implementation, including why those that have launched have been unable to gain meaningful traction. Drawing on lessons from both early CBDC adopters, as well as more widely adopted forms of digital money such as stablecoins and tokenised deposits, the paper outlines what it will take for the next generation of CBDCs to achieve widespread adoption.
See our findings
  • blog

WEB3 WEEKLY RECAP | 2 – 10 OCTOBER 2025

  • blog

WEB3 WEEKLY RECAP | 22-26 SEPTEMBER 2025

  • blog

WEB3 WEEKLY RECAP | 15-19 SEPTEMBER 2025

The Digital Revolution of the Insurance Industry

Speedy Sentoso

  • blog

WEB3 WEEKLY RECAP | 8-12 SEPTEMBER 2025

Virginia Yu

  • blog

WEB3 WEEKLY RECAP | 1-5 SEPTEMBER 2025

  • blog

WEB3 WEEKLY RECAP | 25-29 AUGUST 2025

Kira Kong

  • blog

WEB3 WEEKLY RECAP | 18-22 AUGUST 2025

  • blog

WEB3 WEEKLY RECAP | 11-15 AUGUST 2025

Hong Kong Outpaces Singapore in Wealth Tech Adoption

  • blog

WEB3 WEEKLY RECAP | 4-8 AUGUST 2025

  • blog

WEB3 WEEKLY RECAP | 28 JULY – 1 AUGUST 2025

  • blog

WEB3 WEEKLY RECAP | 21-25 JULY 2025

  • blog

WEB3 WEEKLY RECAP | 14-18 JULY 2025

  • blog

WEB3 WEEKLY RECAP | 5-11 JULY 2025

  • report
  • finTech

Hong Kong Digital Assets Outlook: Capitalising on Recent Legislative Developments

This report examines the rapidly evolving digital asset landscape in Hong Kong and how the city’s forward-leaning regulatory developments are creating opportunities for early movers.
See our findings

Wealthtech Gain Grounds in Singapore Amid Investor Dissatisfaction and Evolving Expectations

Digital solutions the way forward as financial institutions capitalise on wealth management opportunities in Hong Kong and Singapore: Study

Allfunds Asia and Quinlan & Associates today co-published a thought leadership report that examines the digital wealth management landscape in Hong Kong and Singapore and how financial institutions are leveraging WealthTech solutions to capture new market opportunities.
  • report
  • finTech

Rich Pickings: Unpacking the WealthTech Revolution in Hong Kong and Singapore

This report examines the broader wealth management opportunity in Hong Kong and Singapore, and how WealthTech solutions can address pain points across the customer journey. It also explores how financial institutions are going about their digitalisation efforts, with a deep-dive on how they are approaching working with B2B WealthTech vendors.
See our findings

High Performer Burnout Is REAL (No One Talks About This)

Corporate Training

  • report
  • finTech

Distributed Ledger Technology in the Financial Sector: A Study on the Opportunities and Challenges

This research paper explores the role of DLT in reshaping the financial sector, including its benefits and adoption challenges, brought to life with 10 real-world use cases. It also provides an overview of the HKMA’s initiatives to promote DLT adoption in Hong Kong.
See our findings
  • report
  • finTech

Adoption Practice Guide on Greentech in the Banking Sector

This Guide aims to provide practical insights and actionable measures for Authorized Institutions in Hong Kong to advance their net zero transition agendas by leveraging Greentech solutions, as well as a roadmap for integrating sustainability practices seamlessly into their operations.
See our findings

Stablecoin Seminar Feedback

Thank you for attending our seminar. Your feedback is valuable to us. This survey will take less than a minute to complete.

IDA Joint Seminar Registration Complete

IDA Joint Seminar

This seminar will examine the definition of stablecoin and explore its challenges and desired characteristics to promote real-world adoption. The following panel discussion will dive into its impacts on the market and regulatory landscapes.
  • report
  • finTech

Digital Money Snapshot: Understanding the Differences Between CBDCs, Stablecoins, and Tokenised Deposits

This report examines the differences between different types of digital money: CBDCs, stablecoins, and tokenised deposits
See our findings

Hong Kong banks hoard record piles of cash as economy sputters

How Blockchain is Reshaping Banking in Asia

  • report
  • transport

The Pulse of Mobility: A Review of Hong Kong’s Point-to-point Transportation System

In this report, we explore the challenges within Hong Kong's point-to-point (“Pt2Pt”) transport landscape and investigate the case for ridesharing platforms in Hong Kong. We also outline policy recommendations to optimise Hong Kong's taxi services and legalise ridesharing in the city.
See our findings
  • report
  • finTech

From Digital Currency to Legal Tender: The Role of Regulated Stablecoins in Driving Real-World Payments

This report examines the challenges facing many of today’s stablecoins and the potential of regulated, non-captive stablecoins to revolutionise global payments.
See our findings

Report shows that stablecoins will be crucial for advancing Hong Kong’s position as a leading Web3 hub. Regulations are the key to mass adoption.

In this joint report, we explore macro, cyclical, and structural drivers of the Web3 market and study the application of blockchain to real-world use cases.

Hong Kong SME’s funding gap at $21.7b

Quinlan & Associates consulting Hong Kong

Hong Kong Trade Finance & Cargo Service Financing Outlook

The Importance of Training for DLT Solution Activation

This training, titled ‘The Importance of Training for DLT Solution Activation’, is the last instalment of the HKMA’s Fintech Training Series and facilitated by Quinlan & Associates and KPMG.

The Importance of Training for DLT Solution Activation Feedback

Thank you for attending our training. Your feedback is valuable to us. This survey will take less than a minute to complete.

The Importance of Training for DLT Solution Activation Registration Complete

  • report
  • finTech

GenA.I. in the Financial Services Space

This paper discusses (1) the concept of GenA.I., (2) common adoption areas of GenA.I. solutions throughout the financial services industry, (3) key adoption / deployment considerations, (4) and suggested practices to address these considerations.
See our findings

Is Hong Kong’s Banking Sector on the Brink of a Revolution

  • report
  • finTech

A New Chain of Thought: Exploring the Building Blocks of the Next Digital Era

In this report, we explore the macro, cyclical, and structural growth drivers of the Web3 market, including how different organisations across a variety of industries are applying blockchain technology to real-world use cases.
See our findings

System Integration Training Feedback

Insurtech Seminar

Insurtech Seminar Registration Complete

Insurtech Seminar Feedback

Digital Banking Landscape of the region

eCOM joint webinar

This webinar aims to provide incumbent lenders with a fresh perspective on how to best put alternative data to use in delivering tangible economic value to their trade finance businesses, including capturing new opportunities in the long-underserviced cargo service financing space.
  • report
  • banking

Beyond Trade Finance

In this report, we examine the intricacies of the trade finance and cargo services ecosystem in Hong Kong and the broader Asia Pacific region, including the persistent credit gap and its underlying causes. We also explore the case for incumbent lenders to explore alternative data-driven lending solutions to bridge this credit gap.
See our findings

Training Series: Proof-of-Concept

Hosted by the Hong Kong Monetary Authority (HKMA) and facilitated by Quinlan & Associates and KPMG, this training, titled ‘The Roadmap to Successful Proof-of-Concept (TBD)’, aims to offer middle management professionals at financial institutions in Hong Kong with practical guidance on running a PoC process for Fintech deployment initiatives from inception to graduation. The session will cover the overall PoC process, outline elements to be tracked and reported throughout the journey, identify common challenges that may impede the transition to full implementation, and highlight key success factors for PoC initiatives.
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  • Level 20, One International Finance Centre 1 Harbour View Street, Central
  • Hong Kong
  • +852 2618 5000

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