As Return on Equity (ROE) declines across the global banking sector, financial institutions must act decisively to modernize and remain competitive. With digital challengers reshaping the industry, banks need to leverage new technologies and business models to unlock growth and profitability.

This eBook explores strategic pathways for banks to navigate ROE challenges and drive profitable digital transformation.

• Understand the ROE challenge: Gain insights into the global and regional trends impacting banking profitability and why traditional approaches are no longer sufficient.

• Leverage open finance solutions: Explore how Banking-as-a-Service (BaaS), embedded finance, and digital banking can create new revenue streams and expand market reach.

• Modernize banking infrastructure: Discover how banks can adopt a dual-mode evolution strategy to modernize core systems incrementally, avoiding costly rip-and-replace approaches.

• Learn from real-world success stories: Examine case studies, including Standard Chartered’s partnership with Bukalapak, demonstrating how ecosystem collaborations drive measurable growth.

• Prepare for a digital-first future: Identify key transformation steps for banks and financial institutions to thrive in a competitive, customer-centric environment.

Co-authored by Audax, Synpulse, and AWS, this eBook provides banking leaders with a clear roadmap to turn today’s challenges into tomorrow’s opportunities. Download now to explore how banks can navigate declining ROE and achieve sustainable digital growth.