Combank Digital

The CitiDirect Commercial Banking platform has been created in close collaboration with CCB clients, and as a result offers an intuitive and seamless digital experience. Key features include access to data driven insights necessary to help inform decision making, efficient management of day-to-day banking interactions with Citi in one place. Clients can also digitally open accounts and request new products and services, extending our self-service features, which significantly enhances the experience for clients as they grow, and their needs evolve.

Our award-winning1 digital technology gives you the flexibility to access, track and manage your money on a range of devices - securely2 - wherever you are. From banking on the go on the CommBank app, to completing more complex tasks in NetBank and paying with your wearable or digital wallet, you can conveniently manage your day-to-day banking and payments online. Discover our how-to guides to help you with your online banking.

Combank Digital

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Ceba (see-bah) is our sophisticated chatbot trained to give you in-the-moment, digital support in the CommBank app. Not to be confused with our live chat, where you have an online conversation with one of our team.

Commercial Bank customers enjoy the convenience of self-registration for ComBank Digital, gaining instant access to a banking platform that is secured with industry-level security standards to provide a convenient, swift, and safe digital 24x7 365-day banking experience, wherever they are in the world.

Enhancing user convenience, ComBank Digital features a range of built-in options that allow users to customize their digital banking preferences on their own without the assistance of a bank agent. They can increase the security level of ComBank Digital by enabling biometric login access, device registration for secure login and device management, selection of alerts with One Time Passwords (OTPs) and setting up of alert delivery methods via push notifications.

Used by more than a million Commercial Bank customers, ComBank Digital offers the convenience of self-registration, providing instant access to a banking platform that is secured with industry-level security standards, and delivers a convenient, swift, and safe digital 247 365-day banking experience, to users anywhere in the world.

Enhancing user convenience, ComBank Digital features a range of built-in options that allow users to customise their digital banking preferences on their own without the assistance of a bank agent. They can increase the security level of ComBank Digital by enabling biometric login access, device registration for secure login and device management, selection of alerts with One Time Passwords (OTPs) and setting up of alert delivery methods via push notifications.

The bank upgraded its technology for the digital age, and developed a new mobile banking tool that it calls SCB Easy App. In addition, the bank helped nurture growth of a cashless society by developing a payment system using the Bank of Thailand's QR code system.

In the context of the development of digital finance, the complexity of the network formed by urban digital financial technology has been deepening. Based on Chinese city data from 2010 to 2019, this paper conducts a dynamic evaluation of urban digital financial technology through grey target theory and uses social network analysis methods to study the network structure characteristics of urban digital financial technology and its impact on commercial bank risks. The study found that the spatial network of urban digital financial technology shows a trend of complexity and closeness, developed cities occupy a central position in the network of digital financial technology linkages and are net spillovers of urban digital financial technology. Further research on the impact of urban digital financial network structure on commercial bank risk found that both the overall network structure of urban digital financial technology and individual network structure have a significant inhibiting effect on commercial bank risk. Therefore, this paper focuses on the balanced development of digital financial technology in cities, while seeking to further exert the demonstration role of developed cities and achieve the reduction of risk level of commercial banks through the increase of overall network density and the decrease of network efficiency and network hierarchy.

As the pioneer in digital banking service, OCB is the first bank in Vietnam to offer integrated omni-channel banking services, providing seamless transaction experiences for end users across all channels and devices. As a result, OCB was recognized by IMF as the Most Innovative Digital Bank Viet Nam 2018 and the Best New Omni Channel Platform.

The Bank of England has published a discussion paper which sets out its thoughts on new forms of digital money, including on the potential impact of introducing a Central Bank Digital Currency (CBDC) and systemic stablecoins on the current monetary system.

The Bank has produced an illustrative scenario in its paper setting out the potential implications of a migration from commercial bank deposits to a new form of digital money, be that a CBDC or systemic stablecoin.

Consumers may prefer digital money over traditional money for any number of reasons including both financial and non-financial. Under the scenario, it is assumed that around a fifth of all commercial bank retail deposits will migrate to new forms of digital money owing to non-financial factors such as its convenience and an increase in the current levels of trust and perceived safety.

Any migration of depositors to a new form of digital money would have an unavoidable impact on the deposits held with commercial banks. It is assumed in the example that banks would need to compete for deposits by offering higher interest rates, but that they would also need to adapt their balance sheets to deal with the resulting outflows. Banks are also assumed to seek to maintain (i) levels of lending, through mortgages, corporate loans and credit facilities, and (ii) liquidity positions, which will depend on their short-term liabilities and the high-quality liquid assets which they hold to meet their liabilities.

Monetary policy aims to maintain stability of prices for the goods and services consumed, and financial stability to avoid interruptions in the provision of financial services. Any new form of digital money which becomes widely used has the potential to impact both monetary policy and financial stability, as commercial banks, which are an important part of the economy, are themselves affected.

As we start to see new forms of digital money emerge, both in the UK and elsewhere, we may be in a position to further refine some of the variables and experience the real world impact to further inform current expectations within the financial sector.

Conceptually, CBDC would perform the same function as traditional fiat currency; each unit would act as a mode of payment, a store of value, and unit of account. However, each unit would be digital and issued exclusively by a central bank. These features distinguish CBDC from the traditional system in a number of ways. 2351a5e196