Asia-Pacific Financial Markets Insights: Antoine Martin analyses the recent release of the Hong Kong Monetary Authority's (HKMA) Revised Guideline on Authorization of Virtual Banks. Hong Kong is one of the world's leading financial places, yet the city's banking offer is limited for many. This move by the HKMA creates a significant new potential from a financial services perspective, but there is more. The Revised Virtual Banks Guideline has several objectives. First, opening access to financial services to non-banks. Second, solving a market deficiency which so far has left many citizens un-banked. Third, pushing Hong Kong's Fintech policy a little further. Keep reading for more.