Banking Reinvented Asian banking’s wake-up call: talking AI, trust, and ecosystems with Chinabank’s Doc Jay Sabido
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Dec 9, 2025 Delfin "Doc Jay" Sabido, Chief Innovation & Transformation Officer at China Bank, brings over 25 years of experience in driving digital transformation. He shares insights on how banks in Asia are responding to the digital revolution spurred by e-wallets and shifting consumer habits. Doc Jay discusses leveraging AI for operational efficiency and the importance of ecosystem partnerships in combating fraud. He emphasizes the need for tailored approaches in transformation, predicting significant advances in digital payments and AI adoption across the region.
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AI As The Next Massive Game Changer
- AI is the next massive game changer after the internet and mobile, and it's top of mind for bank leaders.
- Delfin “Doc Jay” Sabido expects AI to reshape banking broadly and drive major change in coming years.
Balance Speed With Trust And Choice
- Balance speed to market with strong fraud controls and clear customer communication when launching digital channels.
- Give customers choice over access settings and prioritize trust to retain high-value clients.
Wake-Up Call From E-Wallets And COVID
- China Bank experienced a wake-up call from COVID-era changes and rapid e-wallet growth like GCash, prompting app revamps.
- The bank moved quickly but prioritized safety because fraud and scams were rising during the transition.