The e-payments industry has experienced rapid growth in recent years, especially in Asia, driven in part by technology developments such as the high adoption of smart phones and the boom in e-commerce. The digital innovation of e-payments adoption and diffusion requires the creation and sustaining of an ecosystem. This case describes the e-payments ecosystems of China and Singapore which differ in their development trajectories as well as their resulting configuration, raising important issues for discussion regarding ecosystem design and evolution.

This case chronicles the evolution, challenges and actions taken by an integrated care telemedicine ecosystem comprising an acute hospital and nursing homes for the elderly. More generally, it describes the challenges faced by the keystone or hub organization in initiating and deploying a novel service that required the contributions and collaboration of diverse partners, many of whom were experiencing resource constraints, in the face of changing industry environment. It details the steps taken to deal with the challenges of getting wary partners with unequal resources and capabilities on board, levelling up skills, and putting in place technology and joint processes necessary for the delivery of a joint service. It demonstrates that the steps resulted in increased partner trust, improved levels of partner competency, increased service quality, and cost savings. The case can be used for courses in: (a) Information Systems, to examine the implementation of systems across multiple organizational partners in order to offer new services. (b) Platforms and ecosystems, particularly those focused on ecosystem evolution. (c) Healthcare, to discuss the development and deployment of integrated care initiatives.

This case chronicled the digital transformation of DBS Bank in seeking regional growth amidst a new digital era in the Asian banking industry. Led by its CEO, DBS invested heavily in technology and undertook radical changes to 'rewire' the entire enterprise for digital innovation. Key thrusts of its digital transformation strategy involved the revamp of its Technology and Operations organization, the development of scalable digital platforms, the leverage on technology to redesign the customer experience, and the internal incubation and external partnering in seeking new digital innovation. However, questions remain whether DBS has done enough to put digital at the heart of banking? What should be the next steps in their digital strategy? Where should the bank direct its technology investment dollars? How can DBS systematically assess the opportunities and threats of digital disruption in the banking industry and devise a set of possible strategic responses? How can DBS stay at the forefront of digital innovation to become the Asian Bank of Choice for the New Asia?

The e-payments landscape in Singapore was previously dominated by two major card issuers with non-interoperable cards. The Infocomm Development Authority launched an initiative to develop an innovative standard that would provide an interoperable platform in order to boost local micropayments and open up e-payment services for consumers. The result was a pioneering ISO standard - the Contactless e-Purse Application Standard (CEPAS). This open standard, with unique security and high-performance features, enabled multiple payment applications offered by different issuers to be on a single smart card, which consumers could use for bus, taxi, and rail transport, car park and road usage charges, and retail micropayments. The case examines the significant challenges and trade-offs in the development and deployment of this platform innovation - such as orchestrating the efforts of multiple stakeholders and balancing various stakeholders' legitimate interests; incentivising investment in supporting infrastructure and complementary innovations; as well as promoting the adoption and diffusion of the cards by consumers and merchants. The CEPAS platform was also being leveraged for the next generation of e-payment innovations, such as payments via Near Field Communication-enabled mobile phones.