| Submitted by: Dah Sing Bank Limited |
A first for Hong Kong, the Express Money Card is an innovative personal finance service allowing customers to withdraw their loans from ATMs 24 hours a day. In addition, its fully automated revolving  instalment loan service is still the only one in Hong Kong to allow customers to re-borrow any amount just by using a touch-tone phone. |
Besides delivering customer benefits, the use of a fully automated loan process has substantially increased the Bank's competitive edge. It has also brought about significant productivity improvements in  branches, in the credit department and in other supporting departments. |
| "Wisely combines available IT tools to improve productivity ... generate high levels of customer satisfaction, acceptance and ease of use ." |
