Mox Bank, a virtual-only lender in Hong Kong, has said that the pandemic has created a new generation of virtual-savvy customers, and the crisis has opened up many new opportunities for digital financial services. Unlike other virtual banking propositions in Asia-Pacific, Mox aims to provide personalized banking services for each individual customer's life stages, offering savings and spending advice based on their goals. Before its beta launch, the bank conducted surveys with over 2,000 people to learn more about what they desire from a neobank. Mox's first project is launching Asia's first all-in-one numberless bank card in partnership with Mastercard, which can be accessed from the Mox banking app. Mox believes that despite the many retail banks available in Hong Kong, there is an underserved customer base, and it intends to fill the gaps in banking services that people need today. The bank's charm point is customer experience, which it differentiates from other virtual banks, as well as the partners it has to bring new ways of rewards and spending. Mox does not target a single generation or segment but aims to focus on providing personalized banking services for each individual customer's life stages.
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