📱 How do you protect your funds in today&rsquo;s digital financial age, where scams evolve every day? 🤔 To address it, the Hong Kong Monetary Authority (HKMA) has launched the Money Safe service1 ! As one of the first 14 banks in Hong Kong to offer this service, ZA Bank provides an extra shield to your funds as your account&rsquo;s dedicated guardian! 🛡️
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🔒 What is Money Safe?
Money Safe is a fund protection service that prevents funds in bank accounts from being scammed or used without authorisation. Customers can transfer designated HKD savings into an exclusive savings sub-account (Money Safe Pot) in the ZA Bank App, and set this portion of funds as Protected Funds2. 💪🏻
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✨ 4 key features to keep your money safer:
📲 Easy lock via the App: You can easily activate protection in just a few steps via the ZA Bank App;
💰 Flexible amounts: You can deposit any HKD amount into the Money Safe Pot at any time with no minimum limit;
🛡️ Securely locked funds: Protected funds cannot be used for any transactions &mdash; withdrawals, transfers or other daily transactions, so your funds are inaccessible to others;
✅ Strict unlock process: To release protection, you must visit the ZA Bank office in person and undergo strict identity verification by bank staff, which takes security to the next level3 !
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⏳ 3 steps to activate Money Safe:
1. Open the ZA Bank App and tap the 'Deposit' &nbsp;&rarr; 2. Find and tap 'Money Safe' &rarr; 3. Enter the amount you want to protect, and read the Terms and Conditions. After confirming the deposit, your funds will be instantly locked up! 🔒
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💡 Tips: You can check the balance anytime in your Money Safe Pot after creating! Please ensure your savings account has a sufficient balance for other payments and daily needs. 🤗
  Money Safe &mdash; Lock up your funds and secure your deposits easily 👉 Open the ZA Bank App and try it now!
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ZA Bank Limited is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$800,000 per depositor.
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1. Money Safe service allows the customer to transfer funds from their designated ZA Bank account to a dedicated savings sub-account (the "Money Safe Pot"), designating these funds as protected funds (&ldquo;Protected Funds&rdquo;). The Protected Funds will be safeguarded by the Money Safe and cannot be used for any deductions or payments until you successfully release protection. <a style="color: #1890ff;" href="https://bank.za.group/agreement/html/en_US/1002069">T&amp;C</a> apply.
2. Protected Funds will not be used for any deductions or payment purposes, including but not limited to spending, funds transfer, eDDA, cash withdrawals, currency conversion, remittances, loan/facilities repayment, settling fees and charges, purchase of investment products, purchase of insurance products, and other account withdrawal or payment operations. <a style="color: #1890ff;" href="https://bank.za.group/agreement/html/en_US/1002069">T&amp;C</a> apply.&nbsp;
3. To release a specified amount of the Protected Funds, you need to select the amount to be released through the ZA Bank App and schedule an appointment to visit the ZA Bank office in person to complete the final confirmation, identity verification and related release procedures. This is a strict security check procedure, so please plan your time and fund usage in advance. If you are overseas or unable to visit the ZA Bank office to release the Money Safe protection for any reason, you will not have access to the deposits protected under Money Safe. ZA Bank shall not be liable for any delays in processing or executing your instructions or requests, or for refusing such instructions or requests. After releasing the Money Safe protection, your funds will no longer be under additional protection and may be accessed immediately. If you have any questions or notice any irregularities, please contact ZA Bank customer service promptly to ensure the safety of your funds. <a style="color: #1890ff;" href="https://bank.za.group/agreement/html/en_US/1002069">T&amp;C</a> apply.&nbsp;

ZA Bank Money Safe

 Money Safe launched! Protect your funds with full power 💪

【Rubber Duck】Back in 2013, a giant rubber duck floated into Hong Kong's harbour and became the talk of the town. It was the "Rubber Duck" artwork, created by Dutch artist Florentijn Hofman brought by creative brand AllRightsReserved (ARR). Now, ten years later, ARRbrings the Rubber Duck, with a buddy, back to Hong Kong again. This time, grown in size, the duo becomes DOUBLE DUCKS at the Central part of Victoria Harbour! 🥰 ZA Bank is proud to be one of the sponsors of the exhibition, bringing joy to the public this summer!
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ZA Bank is committed to the welfare of the community and actively engages with Hong Kongers through various events and channels, showcasing the human side of virtual banking. Like ARR and Hofman, ZA Bank hopes to spread warmth and love to people's hearts through the beloved image of the Rubber Duck. This article provides details about the "DOUBLE DUCKS" exhibition, including how to order the Hong Kong-exclusive DOUBLE DUCKS souvenir. It also explores the history of this artwork, Hofman's creative concept behind it, and a flashback to the previous exhibition of the Rubber Duck in Hong Kong. By the end of the article, you'll have everything you need to know about the Rubber Duck!😎
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Apart from spotting the Rubber Ducks in the wild, you can now also capture its image on the ZA Bank App! Simply participate in the &ldquo;Ducky Quest, Double Rewards1&rdquo; campaign and you will have a chance to win a limited edition DOUBLE DUCKS NFT and other exciting rewards! Want to win the DOUBLE DUCKS NFT? Don&rsquo;t miss out the event guide at the end of this article! 😎
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<h2>The Rubber Duck Returns with Acclaim in 2023! Details of the DOUBLE DUCKS Exhibition</h2>
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Starting from 10 June, 2023, the DOUBLE DUCKS will be held at Central part of Victoria Harbour. A decade later, the Rubber Duck has returned to Hong Kong after its last appearance! This time, the exhibition will showcase not just one, but two of them in the form of DOUBLE DUCKS!
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DOUBLE DUCKS is open to the public from June 10 onwards, with free admission. The exhibition period will depend on the weather, and the Rubber Ducks are expected to be on display for two weeks at Victoria Harbour. The exhibition location is near the Central and Western District Promenade (Central Section) and the nearby MTR Admiralty Station. According to our editorial team, the nearby Tamar Park is also a great spot to enjoy the cute poses of the Rubber Ducks!
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Sneak peek of DOUBLE DUCKS! 👇
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<h2>Rubber Duck&rsquo;s Origin</h2>
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The Rubber Duck first made its debut in the Netherlands in 2007 and has since travelled to many locations around the world, including Hong Kong, Australia, Belgium, Canada, Japan, Korea, Singapore, Taiwan, the United States, Brazil, and the UK. Its adorable appearance while floating on water has captured the hearts of people worldwide, making it a beloved artwork.
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The Rubber Duck is made up of over 200 PVC pieces, which have undergone a series of treatments to enhance durability and waterproofing. Its enormous size and vibrant yellow colour give the impression of an enlarged rubber duck toy. As the artwork is placed in different locations around the world, it creates a landscape that is both familiar and surreal.
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The Rubber Duck features an electric fan inside that can inflate the artwork anytime, ensuring its shape is maintained under windy or rainy weather. In addition, the fan enables the Rubber Duck to float on water, the artwork's most prominent feature. Artist Hofman adjusts the Rubber Duck's size based on different exhibition locations and environments, making each displayed Rubber Duck unique.
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<h2>Creative Concept Behind the Rubber Duck</h2>
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Hofman often uses toy animals as models to create oversized public sculptures. The inspiration for the Rubber Duck came from his desire to interrupt people's daily routines and surprise them with a playful and nostalgic "Yellow Duck" toy that evokes fond childhood memories.
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Hofman sees the Rubber Duck as a giant toy and himself as a giant baby who brings his toys to people all around the world. The Rubber Duck transcends borders and brings joy to people from all walks of life, which is the main reason for its immense popularity. His playful and whimsical approach to art has made the Rubber Duck a beloved artwork that has captured the hearts of people across the globe.
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<h2>The Rubber Duck&rsquo;s Arrival in Hong Kong: A 2013 Sensation</h2>
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From May to June 2013, the Rubber Duck made a splash at Victoria Harbour and docked in the waters off Tsim Sha Tsui, attracting over 8 million visitors. Designed specifically for Hong Kong by Hofman, the Rubber Duck stood at a towering 16.5 meters, making it the world's second-largest rubber duck art installation at the time. Notably, the Rubber Duck's "spine" was manufactured at a local shipyard in Hong Kong.
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The exhibition of the Rubber Duck in Hong Kong became a popular photo spot for both locals and tourists, bringing a light-hearted and joyful atmosphere to the city. At the same time, it also sparked public interest and appreciation for public art in Hong Kong. The Rubber Duck's presence in Victoria Harbour was a testament to the city's openness to creativity and innovation, as well as its ability to embrace art as a means of bringing people together.
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<h2>Differences Between the Rubber Ducks in DOUBLE DUCKS and the 2013 Version? Q&amp;A</h2>
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Q: How tall are the Rubber Ducks in DOUBLE DUCKS? 🐤
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A: The Rubber Ducks in DOUBLE DUCKS are 18 metres tall, 1.5metres more than the 2013 version!
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Q: So how tall exactly is 18 meters? 🤔
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A: They are as tall as a 7-story building! According to Hong Kong regulations, the height of a room in a building must be at least 2.5 meters, so the two Rubber Ducks stand at a height of 18 meters, which is even taller than a 7-story building!
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Q: Why is DOUBLE DUCKS exhibiting two Rubber Ducks this time? 🐤 🐤
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A: The inspiration for DOUBLE DUCKS came from the Chinese characters "囍" and "朋". The two Rubber Ducks will visit Hong Kong together, hoping to bring double the joy to the people of Hong Kong. The social distancing measures arose from the COVID-19 pandemic have significantly reduced human contact in the city, so the appearance of the two Rubber Ducks aims to reconnect people with each other once again.
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<h2>Securing the DOUBLE DUCKS Hong Kong-Exclusive Souvenirs</h2>
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In addition to the DOUBLE DUCKS exhibition with Hofman, AllRightsReserved also launched a collection of souvenirs, allowing everyone to bring home the adorable Rubber Ducks! The Hong Kong-exclusive DOUBLE DUCKS souvenirs include a limited release of 300 Rubber Duck bronze statues, handmade wooden Rubber Duck sculptures (already sold out), Rubber Duck vinyl and plush toys, and more. Some of the souvenirs also feature local Hong Kong characteristics, such as the Rubber Duck mahjong set, and the Rubber Duck ceramic tea set with blue and white porcelain pattern.
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All DOUBLE DUCKS souvenirs mentioned above can be purchased on the DDT Store website (<a href="https://ddtstore.com">https://ddtstore.com</a>). Customers can choose to have the souvenirs delivered or pick them up at the exhibition venue. It's worth noting that all DOUBLE DUCKS souvenirs are only available online and will not be sold on-site at the exhibition.
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<h2>Join ZA Bank and Participate in the Campaign, Win a DOBULE DUCKS NFT!</h2>
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Join the &ldquo;Ducky Quests, Double Rewards! 1&rdquo; Campaign from today until 26 June, and complete three simple quests to win a limited-edition DOUBLE DUCKS NFT and awesome Rewards! These NFTs belong to a special series depicting the DOUBLE DUCKS with Hong Kong Signature Icons, with 6 different local designs and amounting to 4200 in total. Even celebrities are scrambling to collect them! Don't miss out on these highly valuable collectibles, grab yours now while they last!
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A sneak peek of the NFT series 👇
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<img src="https://cdn.zaticdn.com/if/ipage/prd/data/image/9c8e32a2-eb00-41ca-829e-d0c7244fcce8/fcd486f0-610c-4cea-af9e-64bf7c0f95f8/6 Rubber Duck NFT.jpg" alt="" width="1280" height="720" />
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Still not a ZA Bank user? Download ZA Bank App now, follow 4 simple steps and you can open an account in as fast as 5 minutes! Press <a style="color: #169179;" href="https://za.onelink.me/Lq9l/r4k47fp3">here</a> for account opening details, and get your ZA Bank account now!
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1The Campaign Period of ZA Bank Limited (&ldquo;ZA Bank&rdquo;) Ducky Quests, Double Rewards Campaign (&ldquo;Campaign&rdquo;) is from 12th&nbsp;June 2023 to 26th&nbsp;June 2023 (both dates inclusive) (&ldquo;Campaign Period&rdquo;). Participants can participate in the Campaign by visiting the Ducky Quests, Double Rewards Campaign page on the ZA Bank App. Participants can redeem corresponding Rewards after completing each quest. Participants must complete the first quest before unlocking the second quest, and so on.&nbsp; The first 4,200 Participants who complete the quests and claim their Rewards will receive a DOUBLE DUCKS NFT Redemption Coupon and a 3.5% p.a. Time Deposit Rate-up Coupon; subsequent Participants who complete the quests and claim their Rewards will receive 3 MillionTix in June and a Global Transfer Cashback Coupon or a random Merchant Coupon. The Campaign is subject to its own <a href="https://bit.ly/3N81VBj">T&amp;Cs</a>.

ZA Bank is a sponsor of DOUBLE DUCKS: The Rubber Duck returns in 2023! 🥳

【ZA Bank】We're a sponsor of DOUBLE DUCKS: The Rubber Duck returns in 2023! 🥳

ZA Bank, together with two leading fund houses &ndash; Allianz Investment and Taikang Asset (Hong Kong), had earlier jointly organized the "2023 Investment Market Outlook and Opportunities" luncheon. We were honored to have two distinguished guests, Mr. Paul Fu, Director of Allianz Investment, who explained the 2023 US market outlook and Mr. Raymond Sze, Executive Director and Head of Product and Sales of Taikang Asset (Hong Kong), who provided information on the investment opportunities in various asset classes in 2023.
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During the event, Mr. Fu shared several US investment market trends 👀 and Mr. Sze also shared information on money market funds and the outlook for China and Hong Kong stock markets Here are some of the highlights they shared at the luncheon:
<h2> The US market outlook</h2>
 The consumer and the labor market remained resilient, and third-quarter and fourth-quarter corporate earnings were were not worse than feared in 2022. All these factors may help boost investor appetite for stocks and credit.
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The Fed may have a slower pace of rate increases, which may eventually peak in 2023.
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With the shift to an inflation-led regime (as opposed to a growth-led regime), it is considered that market conditions may become more conducive to relative-value positioning and multi-asset positioning.
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<h2>Money Market Funds and China &amp; Hong Kong Stock markets outlook</h2>
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The interest rate for money market funds is expected to remain high in 2023.
 The Hong Kong stock market is the most flexible Chinese stock market that benefits from the relaxation of epidemic prevention policies, and it is also the most beneficial market from policy shift in China.
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China's domestic policy shift is expected to drive continued recovery in 2023.
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More fantastic events are coming soon. Stay tuned for our updates!
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Source: Allianz Investment and Taikang Asset (Hong Kong) 
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Important risk statement
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Investment involves risks. The price of investment products may fluctuate or even become worthless. Past performance is not an indicator of future performance. Losses may be incurred rather than making a profit as a result of investment. This promotion material is for reference only and does not constitute and should not be regarded as any recommendation, offer or solicitation to purchase or sell any investment products. You should carefully and independently consider whether the investment products are suitable for you in light of your investment experience, objectives, financial position and risk profile. Independent professional advice should be obtained if necessary. Please read the relevant terms and conditions together with the offering document and risk disclosure statements of the investment product before making any investment decisions. This promotion material has not been reviewed by SFC or any regulatory authority in Hong Kong. ZA Bank is acting as your agent to handle the transaction. The investment product is provided by a third-party but not ZA Bank. In respect of eligible dispute (as defined in the terms of reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) out of the selling process or processing of the related transaction, ZA Bank will enter a Financial Dispute Resolution Scheme process with you. However, any disputes over the contractual terms of the product should be resolved directly between you and the third-party product issuer. The information, products and services available is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services available in the country or region where you are located or resident.

2023 Investment Market Outlook and Opportunities  

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As a ZA Card user, did you know that you&rsquo;re protected against theft, fraud and deception from the digital world? ZA Bank has made sure to include multiple levels of protection that you can use to fight back against fraudsters! 💪
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Check out the three features below on protecting your payments when you pay with ZA Card!
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<h2>Customise the settings for your card-not-present transactions! 💡</h2>
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Take charge of your safety through preventative measures! 🛡️
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Go to the ZA Bank App's ZA Card page, tap the &ldquo;Set limit&rdquo; button, and adjust your transaction limits on the &ldquo;Spending limit&rdquo; page! You can also turn off the function for card-not-present (&ldquo;CNP&rdquo;) transactions whenever you don&rsquo;t need to shop online.&nbsp; 🛍️ So from now on, whether you decide to buy books, electronics, or groceries online, you&rsquo;ll always be in control of your spending!&nbsp;
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<h2>ZA Verify &ndash; a security feature that looks out for your safety! 🕵️</h2>
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Stop for a moment! 🙊 Are you sure you want your transaction to go ahead?
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ZA Verify is a security feature from ZA Bank that protects you from suspicious transactions. If you want to proceed with a transaction, go to the ZA Bank App, approve the transaction, and then initiate it after the approval. However, if you don&rsquo;t approve, decline it, and your transaction will be protected! 😁
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<h2>Digital wallet first-time verification📱</h2>
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Are you linking your ZA Card with a digital wallet for the first time? We&rsquo;ve got you covered too! Linking up your ZA Card with digital wallets for the first time, such as Apple Pay or Google Pay, will trigger a notification that asks for verification via the ZA Bank App. ZA Verify will be triggered instead when you try to pay via a digital wallet without going through this step.&nbsp;&nbsp;&nbsp;
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We are committed more than ever to creating a secure and convenient experience for our users, especially when it comes to online spending. With ZA Bank by your side, you can keep your transactions and savings safer than before.
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So what are you waiting for? Go to the ZA Bank App and customise your level of protection now! 🏃
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