Bangkitnya EMI (Lembaga Uang Elektronik) di Offshore

Agreed on the multi-currency holding benefit. It simplifies so much for international businesses. The main con I've encountered is the occasional lack of advanced lending or complex treasury services that banks offer.

The regulatory oversight is the key. While they're regulated, the perception of security might still be a hurdle for some clients compared to established banks with deposit insurance. Is that something you've had to address?

Definitely seeing the same trend. The speed and lower fees for cross-border transactions are a huge draw for our clients, especially those dealing with multiple currencies regularly.

I'm curious about the 'easier to onboard' part. While some EMIs might seem quicker, the due diligence for high-volume accounts can still be quite rigorous, perhaps even more so in certain jurisdictions.

Are you seeing any particular sectors or business types gravitating more towards EMIs? I've noticed a lot of e-commerce and digital service providers making the switch.