Adapting to Disruption: Contemporary Issues Shaping the Banking Landscape - Multi-Disciplines

In today’s rapidly evolving global landscape, businesses face a myriad of contemporary issues that can significantly impact their operations, reputation, and long-term sustainability.

By understanding these challenges proactively, bankers and lenders can position themselves for long-term success in a rapidly changing financial landscape.

Programme Outline

Learning Objectives

By the end of the programme, participants will be able to:

Distinguish between the Financial Crisis and Health Pandemic
Comprehend the relationship between Interest rate and Inflation
Analyse the role of US and its global policies
Comprehend the role of AI and its impact on business and banking
Demonstrate the future of automobile industry and consumer preference change

Programme Outline

Module 1 – Selected Contemporary Issues – How does affect the banks and the way business is being done

Module 1.1: The Financial Crisis of 2007–2009 and the COVID-19 Crisis of 2020
Overview of AI in banking, key applications (e.g., fraud detection, credit scoring, customer service automation)
Understanding responsible AI, concepts of fairness, accountability, and transparency
Importance of ethics in banking AI, building trust with customers and regulators
Case study, analysis of AI in credit scoring (example: controversies and biases in algorithm-based credit decisions)
Module 1.2 Interest Rate and Inflation
AI ethics frameworks, overview of principles (e.g., fairness, explainability, privacy)
Ethical dilemmas in AI, addressing data privacy, security, and accountability
Examples of ethical failures, notable cases (e.g., biased loan approvals, customer profiling in fintech)
Interactive exercise, identify ethical risks in a hypothetical AI-powered loan approval system
Module 1.3 Geopolitical Tension and Trade Wars
Building transparency in AI models, approaches to make AI decisions understandable
Explainability in banking applications, how transparency impacts customer trust and compliance
Case study, examining transparent AI in fraud detection (example: Citi’s AI-driven fraud monitoring)
Discussion, balancing technical complexity with the need for customer-facing transparency
Module 1.4 De-dollarization and BRICS
Key regulations impacting AI in financial services, PDPA, AI Act, and emerging standards
Compliance challenges, addressing regional and global regulatory requirements
Case study, impact of PDPA on AI-driven customer profiling in banks
Group activity, develop a checklist for regulatory compliance in an AI application
Module 1.5 The future of Artificial Intelligence (AI)
Types of bias in AI, data, algorithmic, and human biases and their impact
Approaches to mitigating bias, best practices in data selection, model training, and evaluation
Use case, bias in credit decisioning (example: U.S. bank facing scrutiny over algorithmic lending bias)
Interactive exercise, evaluate an AI model’s input data for potential biases
Module 1.6: Automobile Industry
Communicating AI decisions to customers, simplifying complex processes and ensuring clarity
Internal trust-building, training employees on responsible AI use and ethical standards
Case study, trust-building initiatives by financial institutions using AI (example: HSBC’s customer transparency policy)
Discussion, strategies for aligning AI practices with the bank’s mission and values

METHODOLOGY

PowerPoint presentations, videos, interactive activities, discussions, and case studies

Participant profile

Credit Analysts, Relationship/Wealth Managers with more than 3 years’ experience

Trainer

Dr. Lim Guan Chye

Director of Commercial Banking Training, Asian Banking School

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Dr. Lim Guan Chye

Director of Commercial Banking Training, Asian Banking School

Dr. Lim Guan Chye (GC) is the Director of Commercial Banking Training at the Asian Banking School. He is an author, speaker, facilitator, consultant and a HRD Corp accredited Trainer. He leads a team of trainers/consultants that deliver up-to-date customised as well as exam-based training programmes for the financial industry. GC is conversant in training programme content design and customisation for delivery and is responsible for designing programmes such the Certified Mortgage Advisor and a 29-day Commercial Banking Training Module.

He has 25 years of experience as a banker with several local and foreign banks in the capacity as Regional Manager and Branch Manager; and is well-versed with credit evaluation/assessment, banking operations, branch management, the legal aspects of banking and behavioural economics. GC also has worked for 10 years in group companies including a public listed company in various senior management capacities such as Finance Director and Group General Manager.

He is a Certified Credit Professional (CCP) awarded by IBBM in 2001 (now known as the Asian Institute of Chartered Bankers). GC holds a Degree in Economics (2nd Upper Honours) from the University of Malaya and a Doctorate in Business Administration (DBA) from the EU Business School, Geneva in 2019. GC obtained his Chartered Banker MBA (Merit) from Bangor University, Wales together with his Chartered Banker status awarded by the Chartered Banker Institute, Edinburgh in 2023.

He also completed the Cambridge Summer School Programme at the Judge Business School, University of Cambridge, as well as the Global Banking Leaders Programme at the Bayes Business School (formerly Cass), City, University of London. He is a life-long learner and is passionate about sharing his experiences in banking and business where he published his 2nd book entitled “The Quick Guide Series – About Business & Banking” in January 2021 and in 2024, he authored his 3rd book on “Business Credit & Lending” commissioned by the Asian Banking School.