 As trade is liberalised with the integration in 2015, the need arises for ASEAN banking institutions to accommodate and expand their services to an intra-ASEAN market.Experts, however, have already forecast a shaky economic transition, especially for smaller players in the banking an d financial services industry.Two separate reports by Standard & Poor's (S&P) outline the challenges that ASEAN financial institutions face as they prepare for the 2020 banking integration.