Ineteresting facts on the Asian pick-up of Digital by consumers. Developing Asia and Northen Europe are best "testing grounds" for FinTech given the high adaptation of tech by consumers.
Since 2011, adoption of digital-banking services has soared across Asia. Consumers are turning to computers, smartphones, and tablets more often to do business with their banks, while visiting branches and calling service lines less frequently. In developed Asian markets, Internet banking is now near universal, and smartphone banking has grown more than threefold since 2011. In emerging Asian markets, the trend is similarly dynamic, with about a quarter of consumers using computers and smartphones for their banking. And despite some structural obstacles, we believe this surge will continue—and incumbents and market entrants alike should prepare for the consequences.
http://www.mckinsey.com/insights/financial_services/capitalizing_on_asias_digital-banking_boom