CTBC Financial Holding (CTBC Holding), a leader in digital banking transformation, AI-driven fraud prevention, and financial innovation, shared key insights at the Banking Summit Asia 2025, co-hosted by the Financial Times and The Banker. The event, held in Asia for the first time at the Four Seasons Hotel Hong Kong, brought together nearly 300 global financial leaders.
Representing Taiwan’s financial sector, Titan Chia, CIO of CTBC Holding, joined industry peers to discuss the future of digital financial services, cybersecurity, and customer trust. Chia highlighted CTBC’s cutting-edge use of artificial intelligence, big data analytics, and digital trust frameworks to secure customer assets while delivering seamless digital banking experiences.
A centerpiece of CTBC’s innovation is its AI SKYNET fraud prevention system, capable of analyzing nearly 300 risk factors within one second. By 2024, SKYNET had successfully blocked fraud attempts totaling nearly NT$2.8 billion, achieving an annual growth rate of 30%. In Q1 2025, fraud-related signals fell by 24% year-over-year, underscoring the system’s effectiveness in real-time risk detection.
To strengthen its fraud prevention ecosystem, CTBC Holding partners with telecom providers, LINE, Taiwan’s National Police Agency, and leading prosecutor offices. As convener of the Fintech Application Development working group, CTBC leads efforts to build a unified inter-bank safety net against financial fraud across Taiwan.
Globally, CTBC Bank’s overseas branches integrate advanced AI security systems, encryption technologies, and data compliance measures to meet international regulatory standards and combat cross-border fraud. Looking ahead, CTBC plans to develop a regional data lake using advanced anonymization and encryption tools to enhance secure data integration across markets.
Chia emphasized that digital trust, fraud prevention, and AI innovation form the foundation of future-ready finance. CTBC Holding is committed to deepening applications of AI, cloud computing, and cybersecurity solutions while working with international partners to promote sustainable digital banking and strengthen Asia’s financial resilience.
