CUSTOMER INSIGHT & GROWTH BANKING ......Efma-Accenture Customer Insight & Growth Banking Innovation Awards has once again brought projects, innovators, and institutions around the

BANKINGINNOVATIONAWARDS 201916 OCTOBER 2019, Paris

#BankAwards19 efma.com/innovations

CUSTOMER INSIGHT & GROWTH

BANKING INNOVATION AWARDS 2019 | 32 | BANKING INNOVATION AWARDS 2019

Contents A joint Efma and Accenture initiative ••••••••••••••••••••3

Event program ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••5

Judges 2019 ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••6

Voting process ••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••8

Award categories •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••11

Nominees •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••12

Submitting your innovations ••••••••••••••••••••••••••••••••••••28

Acknowledgements ••••••••••••••••••••••••••••••••••••••••••••••••••••••••29

About us •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• 30

Back for its 7th edition, the Efma-Accenture Customer Insight & Growth Banking Innovation Awards has once again brought projects, innovators, and institutions around the globe together to celebrate and reward the most innovative projects and initiatives in the retail banking arena.

For the past 7 years Efma and Accenture have been working hand-in-hand towards celebrating the very best in retail banking innovation. We would like to take this opportunity to thank you for helping us to recognize and reward the most ground-breaking projects and institutions.

An essential part of the program is the Innovation Portal:

www.efma.com/innovations

This portal showcases the most recent and relevant materials on innovation within retail financial services. Any bank can submit their latest innovations through this portal. Innovations can be searched by category, keyword, launch year, country, institution or award edition.

A joint Efma and Accenture initiative

2019 edition A record number of: 605 Innovations from 235 Institutions in 70 Countries


Evolution of the initiative

The initiative in numbers since 2013:

3356 innovations from

734 institutions in

97 countries

2093 participants (onsite & online)

Top 5 winning institutions since 2013:

1. mBank

2. Intesa Sanpaolo

3. DenizBank

4. Idea Bank

5. La Caixa

June 2013

Innovation Portal Launch

16 Oct2013

1st Banking Innovation

Awards Ceremony

April 2015

Innovation Portal V2

June 2017


28 Oct2015

1st Awards Live Webcast

Oct2019


Event program

16 October 2019, Paris

08:15 − 09:00 Registration and welcome coffee

09:00 − 09:10 2019 Customer Insight & Growth Banking Innovation Awards Ceremony Opening

Piercarlo Gera – Global Lead for Financial Services Customer Insight & Growth, AccentureVincent Bastid – Secretary General, Efma

09:10 − 09:30 Recent trends in Retail Banking presentation by Ambrogio Terrizzano

09:30 − 09:40 Introduction to the day – Lukas Dzuroska and Jim Marous

09:40 − 09:55 Analytics & Artificial Intelligence Award

09:55 − 10:10 Digital Marketing & Communication Award

10:10 − 10:25 Offering Innovation Award

10:25 − 11:25 Neobanks & Specialized Players – finalist pitches

11:25 − 11:55 Break & Voting

11:55 − 12:05 New portal launch

12:05 − 12:20 Phygital Distribution & Experience Award

12:20 − 12:35 Social, Sustainable & Responsible Banking Award

12:35 − 12:50 Workforce Experience Award

12:50 − 13:00 Winner Announcement – Neobanks & Specialized Players

13:00 − 13:15 Global Innovator Award

13:15 − 13:25 Banking Innovation Awards Ceremony closing

13:25 − 14:25 Buffet lunch


Alexis Jimenez Chief Strategy Officer at

Extractable

Bidyut Dumra Executive Director/ Head of

Innovation DBS

Birte Quitt Head of Group Retail Strategy Erste Group Bank

Brett Pitts BMO

Burak Sezercan Retail Banking Marketing

Division Head İşbank

Chris Gledhill CEO Secco

Christian Roland Head of Transformation-

FEVP Transformation Siam Commercial Bank

Christophe Langois CMO The FinTech Power 50

David Rasson Center of Expertise Lead

Innovation ING

Deepak Sharma Chief Digital Officer Kotak Mahindra Bank

Deniz Devrim Cengiz General Manager, Group

Chief Digital Officer

National Bank of Kuwait

Didier Richter Senior Vice President,

Head of Digital Banking BIL

Dinis Sebastian Dias Head of Digital as a Channel HSBC

Eddie Humphreys Head of Personal Market AIB

Francisco Venancio Head of Personal Market Bradesco

Frank Hsu SVP, Head of Business Strategy

Division CTBC Bank

Ishrath Aleem Vice President Learning &

Development Mashreq Bank

Juan Jiménez Vice President - Head of

Corporate and Investment

Banking Innovation

Santander Group

Line Munkholm Haukrogh SVP, Group Head of Customer

Engagement Digital Banking Danske Bank

Lotte Mansson Managing Director of Nykredit

Private Wealth Management

Nykredit

MarionaiVicens Director of Digital

Transformation and Innovation CaixaBank

MassimoiTessitore Head of Multichannel Intesa Sanpaolo

Pedro Sousa Cardoso Senior Managing Director,

Global Head Digital Commerce Standard Chartered

Sam Tanskul Managing Director Krungsri

Finnovate, Head of Innovation &

Fintech Krungsri Consumer

Krungsri Finnovate

Samira Khamlichi Chairman and CEO

Wafacash

Shekhar Krishnamurthy Head of Liabilities and Wealth

Management, Retail Banking

Emirates NBD

Sophie Guibaud Managing Director Europe Fidor

Sroka-Krzyżak Aleksandra Head of Strategy Department PKO Bank

Suporn Sunthornrohit First Senior Vice President Kasikornbank

Theodora Lau Founder, Speaker, Writer, and

Startup Advisor

Unconventional Ventures

Judges 2019The full list of the Customer Insight & Growth Banking Innovation Awards judges.


The awards process is based on the following steps:

Nominees

A shortlist of nominees for each category was identified by an Efma Committee after the submission deadline (9th September).

Vote

Efma members and non-members from financial institutions voted for the 7 standard categories (excluding the Global Innovator category) on the Innovation Portal.

To do so, they established a podium ranking of Gold, Silver, and Bronze, among the 9 nominees per category. A vote from an Efma member was considered as two votes from a non-member.

Each vote cast by an institution for its own innovation received 50% of the points normally attributed.

For the Global Innovator category, the winners are selected by the Awards Jury after a thorough review of the seven nominees.

Judging

Voters considered the following criteria:

• Originality: The uniqueness of the idea in the marketplace and its potential as a game changer

• Impact: The innovation’s capacity to generate a superior, long-term competitive edge and a significant return on investmen

• Universality: The innovation’s adaptability across different markets and countries

For the special Global Innovator category, an Innovation Awards Committee composed of banking executives and innovation specialists from all over the world evaluated the nominees.

Voting process

Key Dates

Submission deadline: 9 September

Voting started: 16 September

Voting ended: 23 September

Awards Ceremony: 16 October 2019 in Paris


Award categoriesAnalytics & Artificial Intelligence

Digital Marketing & Communication

Offering Innovation

Neobanks & Specialized Players

Phygital Distribution & Experience

Social, Sustainable & Responsible Banking

Workforce Experience

Special CategoryGlobal Innovator

Awards CeremonyThis year’s Awards Ceremony will be hosted by Jim Marous. One of the most influential people in banking and a top 5 Fintech Influencer to Follow, Jim Marous is an internationally recognized financial industry strategist, co-publisher of The Financial Brand and the owner and publisher of the Digital Banking Report. Marous advises on innovation, portfolio growth, customer experience, marketing strategies, channel distribution, and payments and digital transformation within the financial services industry.

As a sought-after industry speaker, author and recognized authority on disruption in the financial services industry, Marous has been featured by CNBC, CNN, The Wall Street Journal, New York Times, The Financial Times, The Economist, The American Banker, Accenture and Forbes and has spoken to audiences worldwide.

Marous has also advised the White House on banking policy, and is a regular contributor and guest host for the Breaking Banks radio show on Voice America. He can be followed on Twitter and LinkedIn.

EDITION HIGHLIGHT 2019: More than 600 submissions receieved - a record number!


NomineesAnalytics & Artificial Intelligence

Innovation: Robotic Process Automation Country: Turkey As part of Akbank’s far-reaching digital transformation programme, automating repetitive and rule-based business processes using a Robotic Process Automation tool under a comprehensive governance model, within various lines of business and applications.

Innovation: BPI AutoML - unlocking the power of Machine Learning Country: Portugal BPI AutoML is an end-to-end solution that empowers the processes of applying Machine Learning models to different concrete business targets.

Innovation: University Bradesco uses Augmented Reality and Virtual Reality for corporate learning Country: Brazil The first financial services organization to provide learning with the innovative technological resources of virtual and augmented reality.

Innovation: Chatbot Andi Country: Lebanon Personal Digital Assistant that answers customers’ queries instantaneously, guiding them through the bank’s comprehensive offerings, advising them on product eligibility, and helping determine when to visit the branch.

Innovation: CaixaBank chatbot with AI Country: Spain CaixaBank is offering its customers a new channel of communication based on Artificial Intelligence (WATSON/IBM). Customers can access bank information from any device, by text or voice, inside and outside of Apps

Innovation: Isbank’s “Maxi”- Personal Assistant Country: Turkey Maxi is an AI-powered personal assistant, developed with best-in-class technology, enabling users to interact with both voice and text to perform banking transactions, run advanced PFM queries with enriched graphics, and receive spending advice.

Innovation: SberEYE: see what used to be unnoticed Country: Russian Federation An innovative self-learning system based on computer vision technology, AI and GPS-monitoring. It will centralize visual identification and customer journey analysis at branches, to improve customer service, staff efficiency and increase the speed of decision-making

Innovation: Voice Assistant Oleg Country: Russian Federation Voice assistant Oleg will help customers to navigate within the Tinkoff ecosystem, making their lives easier and being a friend who is always there to help.

Innovation: FOCA (Financial Documents Corrective Analysis)Country: Turkey FOCA is an AI and value creation project that aims to support both decision/operational processes of corporate/commercial/SME sales and financial analysis departments by digitizing free format trial balance (T-balance) documents.


Innovation: Brexit Ready Check Country: Ireland The simple tool that helps Irish businesses prepare for Brexit with a personalized action plan – at the client’s preferred time on their channel of choice.

Innovation: Bradesco’s End-of-Year Campaign: Firefly Country: Brazil A Unique advertising campaign - for the first time in history, Brazil truly saw itself reflected in a 3D-animation and felt all the characters’ emotions.

Innovation: Tante Wadad (Auntie Wadad) Country: Lebanon BLOM BANK introduced Tante Wadad, a new digital banking expert, to promote the digital banking services that are available on eBLOM.

Innovation: Adobe Campaign Country: Spain This innovation enables the bank to use rich customer data to create, coordinate, and deliver dynamic campaigns that customers need, through the in- and out-bound channels that the bank offers applications.

Innovation: Online Banking & Sitecore Integration for Contextual Offers & Insights Country: United Arab Emirates This rule engine integrated with online banking utilizes real-time customer data to communicate the most relevant content in a contextual way, enabling continuous A/B tests and improvements based on customer engagement results.

Digital Marketing & CommunicationNominees

Innovation: Chatbot in action – innovate customer acquisition in a digital environment Country: Bulgaria This campaign took an unconventional approach to stimulate interaction with the bank, through a channel people love. The strong promotional incentives, presented in a fun and creative way, have raised digital marketing campaigns for banks in Bulgaria to a new level.

Innovation: friends in banks Country: Germany Friends in banks prioritizes what is most essential in banking: It’s the people doing it.

Innovation: Berlin and Hamburg OOH Campaign Country: Finland An out-of-home marketing campaign, envisioned by freelancers, to reach the freelance community.

Innovation: Visa Platinum Credit card (VPC) Relaunch Country: Singapore HSBC eschewed functional rebates to connect with Singaporean parents through an insightful and heartfelt social experiment film. They have relaunched their new cash rebate credit card as the card giving families the ultimate gift - quality time together.


Offering Innovation

Innovation: Mortgage Proposition for Self-Build Customers Country: Ireland An exciting new proposition to help our customers through the Self-Build process. By providing a specialist to advise at each stage of the build, we add value and remove stress.

Innovation: Pet-friendly banking account “Faithful Friends” Country: Italy A bank account with pet names for pet lovers, with a host of benefits for pet owners who want to manage their animal’s expenses.

Innovation: Live More, Bank Less – Instantaneous Banking Services Country: Hong Kong DBS Bank Hong Kong is enabling customers to “Live More, Bank Less” - through DBS Omni and Home360, our first-in-market mobile banking solutions that leverage API, Big Data and VR.

Innovation: Open Banking initiative: Portal MEI - solutions for the individual micro entrepreneur Country: Brazil As well as providing access to a whole suite of products and services, with the MEI Portal the micro-entrepreneur can rely on a full consultancy facility which can help with all stages of opening, developing, maintaining and growing a company.

Innovation: BMO QuickPay Country: Canada BMO QuickPay reinvents the way customers pay bills by allowing them to simply email their statements directly to BMO, enabling quick and easy payments with no app required.

Innovation: Global Loyalty Network (GLN) Country: South Korea Global Payment Hub that links the platforms of major financial institutions, retailers and loyalty point operators around the world to one unique global network, allowing users to freely pay and transfer digital assets to one another.

Innovation: Finstar® Openbanking Ecosystem Country: Switzerland First operational open banking ecosystem in Switzerland. Fintech partners can interact with bank customers via the APIs which allow HBL customers access to best-of-breed fintech solutions.

Innovation: K PLUS Market Country: Thailand Electronic platform service developed to serve sellers and buyers by providing a business matching facility. Artificial Intelligence enables selling, by selecting and offering specific items that a buyer will purchase, at the right time.

Innovation: KBC All-in-one Mobility Country: Belgium Our KBC Mobile app now lets you park at Q-park car parks without a ticket. All you have to do is link your number plate to the app. It’s as simple as that!

Nominees


Neobanks & Specialized Players

Innovation: Bank Integrator Country: South Africa By understanding the causal link between financial behavior and health risk through Discovery Bank’s Vitality Money program, Discovery can segment life insurance risks better than can be achieved through traditional pricing models.

Innovation: Efficient Scale Country: Germany Efficient Scale provides data-driven partner ecosystems as a SaaS solution, to generate risk free transaction business and monetize customers.

Innovation: Blockchain for Trade & Remittance Country: India Blockchain as an emerging technology has immense potential to simplify any document-intensive transaction and create a comprehensive ecosystem in the industry, with all stakeholders on a single platform

Innovation: illimity - The New Paradigm Bank Country: Italy illimity is a new paradigm bank specializing in three currently underserved markets in Italy (SMEs, Corporate NPL and Direct Banking). It uses the best IT and guarantees new levels of quality, service and efficiency - without ever losing the human connection.

Nominees

Innovation: A debit card and its mobile application that revolutionizes expense management Country: France manager.one revolutionizes the management of business expense reports through its debit card and mobile application, eliminating the need to chase after supporting documents and transfer refunds.

Innovation: Tyl by NatWest Country: United Kingdom Learn more about your business, connect with your customers and watch your business thrive, with a proposition that combines the best start-up features with the trust and legacy of an established bank.

Innovation: North Loop Country: USA The first global challenger bank for international students, and immigrants to the US. This digital bank allows these users to sign up for an account without a social security number.

Innovation: Fintech Open Platform for Growth Country: Spain The first developer portal of an incumbent bank with PSD2 APIs, non PSD2 APIs and TTP APIs with a subscription flavour powered by Debit2Go platform (partner Strategy).

Innovation: buddybank – UniCredit Group Country: Italy buddybank is the first conversational bank with a disruptive service model. Wherever they are, whenever they need it, customers can interact via chat with a human personal assistant, who is available 24/7, for banking services and lifestyle needs.


Phygital Distribution & Experience

Innovation: Transforming SMEs On-Boarding Country: Spain A new on-boarding for non-customer SMEs: digital, simpler, faster, more responsible and more efficient, leveraging new technologies (artificial intelligence, biometrics, etc.) with a customer-centric vision.

Innovation: Por un Gobierno Digital (For a digital government) Country: Mexico BBVA Mexico created an initiative to collaborate with the Government at the Federal, State and Municipal levels. This will help transform government financial processes, from physical to completely digital

Innovation: Facial recognition at CaixaBank ATMs Country: Spain Caixabank’s facial recognition project proved to be a solution for a more secure, faster and frictionless interaction with the ATM, allowing customers to withdraw cash with their face, without having to remember a PIN.

Innovation: Central Customer Service Country: Turkey Central Customer Service is a new business model to enhance customer experience for SME customers and provide room for RMs to focus on sales and marketing activities, instead of sales operations.

Innovation: Krungsri Digital Homeloan (Di-Sales & Krungsri Homeloan Connect) Country: Thailand Krungsri Digital Homeloan provides better customer experience in the mortgage journey using “Di-Sales” and connecting it with the home buying journey using “Krungsri Homeloan Connect”.

Innovation: Branch Transformation Country: United Arab Emirates The Mashreq Branch Transformation project was initiated to deliver seamless and superior customer experiences, with higher revenues and lower costs.

Innovation: Most Innovative Branch Offering - MSpace at Maybank Country: Singapore MSpace at Maybank is a new concept bank branch that breaks away from traditional banking and blends both new technology innovations and people centricity creating a breakthrough multi-sensory customer experience. A space created for the community, for learning and for discovery.

Innovation: Service for payment of state duties in a contactless way Country: Russian Federation Sberbank introduced a new service for payment that takes less than a minute and can be made anywhere, using any card and contactless technology on the phone.

Innovation: Sorted Country: South Africa Standard Bank’s digital platform encourages social engagement, financial health, education and skills development which simplifies the customer’s life.

Nominees


Social, Sustainable and Responsible Banking

Innovation: Together we make a difference Country: Lebanon Recyclables collection process, designed with best practices and optimization plans, across all branches, head offices, sister companies, as well as partners and clients. It consists of educating the community on how and what to recycle, and get them into the habit of recycling.

Innovation: Give & Go Country: Canada Give&Go is an automated donation experience that allows donors to complete a charitable transaction in seconds – no cash, app, e-transfer or strenuous online donation form required - simply tap, give and go.

Innovation: ClimateSeed Country: United Kingdom Created as a social enterprise by BNP Paribas, ClimateSeed is a digital voluntary carbon offsetting platform that helps connect organizations with tangible sustainable projects to cut carbon emissions and support the achievement of the UN Sustainable Development Goals.

Innovation: Benefits finder Country: Australia Benefits finder is a world-first banking solution, connecting customers in a targeted way with unclaimed third-party rebates and benefits, helping to put money back in the pockets of those who need it most.

Nominees

Innovation: DBS #RecycleMoreWasteLess – Mainstreaming a sustainable social movement Country: Singapore DBS’s innovation is by definition reinforcing DBS Bank’s commitment to sustainability and engaging a wider audience in a social movement by mainstreaming sustainability through music and comedy

Innovation: For Funding, a unique platform with two souls Country: Italy Intesa Sanpaolo, created ‘For Funding’, which merges both lending and donations projects into a unique platform

Innovation: AI emotional banking Country: Poland Through AI emotion recognition, PKO Bank Polski is able to measure smile time of employees and their customers in real time, to improve customer service and employee satisfaction.

Innovation: The Art Gap by Standard Chartered UAE Country: United Arab Emirates Passionate about equality and inclusion Standard Chartered Bank UAE created a platform for women all around the world to #NeverSettle for good enough, which helps to drive equality and create impact through tangible action by leveraging data and insights.

Innovation: Retail Financing Program Country: Philippines The Retailer Financing Program in partnership with TrueMoney Philippines, one of the largest Fintechs in Southeast Asia, is UnionBank’s implementation of a digital end-to-end solution to power micro working capital loans for Sari-Sari stores (neighborhood stores).


Workforce Experience

Innovation: Redesign of the end-to-end credit card customer journey via setting up, implementing and enabling full-scale, agile, and cross-functional change team Country: Russian Federation Through Ifa-bank innovation, a 2.5x growth in online credit card sales and a 50% reduction in customer acquisition cost, were realized in the first 9 months of its implementation.

Innovation: Smartphonisation – Alior Bank’s mobile way of working Country: Poland Alior Bank has equipped its employees’ safe smartphones with a preinstalled set of applications to move employees to the digital world and to enable digital transformation of the bank.

Innovation: Robot Ró - Team Robot for Back Office Country: Czech Republic Thanks to the application of automation tools, Robot Ro has become a member of the back-office teams and solves tasks faster and together with (human) worker

Innovation: Jobs Intelligence Maestro (JIM) Country: Singapore JIM, a digital technology and DBS’ virtual bank recruiter, shortlists suitable candidates, which will be reviewed and selected by recruiters for a face-to-face interview. The chatbot is also able to answer any job-related questions from the candidate.

Innovation: Talent Mining Country: Vietnam HR processes leveraging various technologies in one integrated process

Innovation: Me@Work Country: South Africa Me@Work enables the FNB HR strategy by delivering an employee-centric experience on the FNB Banking App, enabling mobile, and flexible work within the organization.

Innovation: Crowdsourced Internal Innovation Program Country: Hungary An application that takes every idea through an innovation process with the help of well-structured and predetermined decision points. It is suitable for collecting, selecting, and tracking the validation and prototype creation of ideas.

Innovation: Agile Infrastructure Transformation in a Centennial Credit Union in Brazil Country: Brazil Sicredi’s Infra Ágil Program objective is to transform Sicredi IT infrastructure and operations in a radical way by developing a product orientation in OPS Teams.

Innovation: FIRST Family Employee Application Country: Pakistan The First MicroFinance Bank Pakistan innovated a solution to digitize the end-to-end employee journey from job searching and on-boarding to resignation and settlement.

Nominees


Global Innovator Nominees Notes


Ilaf Aouida

Sally Azar

Vincent Bastid

Zuzana Belkova

Laura Bishop

Emanuela Cella

Jézabel Chave

Antonio Coppolecchia

Natalie De Freitas

Luca Gagliardi

Piercarlo Gera

Angeline Grandman

Giulio Griffa

Roanne Insley

Marc Knickerbocker

Maxime Martin

Mario Martinelli

Marion Menguy

Sophia Millan

Hannah Moisand

Géraldine Mondet

Silvia Pesaresi

Monika Petkute

Boris Plantier

Anna Quinn

Alessandro Secchi

Lucas Steedman

Ambrogio Terrizzano

Kevin Spangenberg

Melissa Volin

Efma and Accenture believe that the key to success in today’s challenging markets is to develop an innovation-committed DNA to be fostered by sharing successful experiences and new ideas.

There’s an open application process through which all financial institutions can contribute to the Innovation Portal by submitting their most innovative initiatives.

Submit your innovation to be considered for the Innovation of the Month and get a chance to be directly nominated for the 2020 Awards.

To learn more about the submission process, please contact:

General queries [email protected]

Boris Plantier Content Manager Efma Tel: +33 1 47 42 67 69 [email protected]

Hannah Moisand Head of Content & Strategic Partnerships Efma Tel: +33 1 47 42 67 70 [email protected]

Submitting your innovations

Acknowledgements


Accenture is a leading global professional services company, providing a broad range of services and solutions in strategy, consulting, digital, technology and operations. Combining unmatched experience and specialized skills across more than 40 industries and all business functions—underpinned by the world’s largest delivery network—Accenture works at the intersection of business and technology to help clients improve their performance and create sustainable value for their stakeholders. With 492,000 people serving clients in more than 120 countries, Accenture drives innovation to improve the way the world works and lives.

Accenture helps financial institutions transform their customer relationships through Accenture Customer Insight & Growth, a business service within Accenture’s Financial Services operating group, serving more than 100 institutions worldwide. Accenture’s Customer Insight & Growth for Financial Services combines Accenture’s deep industry knowledge in banking, insurance and wealth management with proven expertise in marketing, distribution and innovation. It blends Accenture’s management consulting, technology and outsourcing capabilities – including its assets and expertise in digital innovations, like analytics and mobile – to help institutions improve growth and cost management through better customer relationships.

www.accenture.com

About us

A global non-profit organisation established in 1971 by banks and insurance companies, Efma facilitates networking between decision-makers. It provides quality insights to help banks and insurance companies make the right decisions to foster innovation and drive their transformation. Over 3,300 brands in 130 countries are Efma members.

Headquarters in Paris. Offices in London, Brussels, Stockholm, Bratislava, Dubai, Milan, Montreal, Istanbul, Beijing, Tokyo and Singapore.

Learn more www.efma.com

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