Mox Bank, a virtual lender backed by Standard Chartered, has the best mobile banking app in Hong Kong and Asia but lags behind its Western peers, according to a study carried out by a management consultancy firm. Livi Bank, a virtual bank co-owned by Bank of China (Hong Kong), ranks second in the city, while Hang Seng Bank, a traditional lender that has aggressively promoted digital banking in recent years, takes the third spot. HSBC Hong Kong, the biggest lender in the city, came fourth in the list of more than 100 global mobile banking apps previewed by the Post….