SINGAPORE (Sept 3): All three local banks offer investors something different as they capture separate niches for themselves in geography, digitalisation and wealth management. Their geographies look decidedly different and all three have carved out segments in wealth management. There may be less differentiation in their digital strategies, as all three have set up innovation labs and are testing biometrics, artificial intelligence (AI), machine learning and, to an extent, distributed ledger technology. Cashless payments are now par for the course in any bank offering, as are e-wealth offerings.  

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