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  "documentTitle": "e-Conomy SEA 2021 Roaring 20s: The SEA Digital Decade",
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      "text": "Digibanks' opportunity lies in credit. They have access to proprietary consumer data and are in a position to capture share of underbanked via alternative credit decisioning.",
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      "text": "... while incumbents are building on inherent strengths to digitalise quickly. High net worth and affluent customers drive 60-80% of deposit balances... To stay competitive, leading established banks are investing heavily...",
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      "text": "Digibanks are starting to gain traction in SEA... New entrants are gradually gaining consumer trust, especially among young digital natives. SEA's digibanks aim to emulate peers in developed markets...",
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      "text": "Note: CASA = Current accounts and savings accounts. Source: Bain analysis",
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      "text": "Segment, % of total deposits, Likelihood of switching. High net worth, 40-50%, down arrow. Affluent, 20-30%, right arrow. Mass affluent, 15-25%, right arrow. Mass, 10-15%, up arrow. Unbanked, N/A, up arrow.",
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