Digitalisation and Value Creation

Robust, well-tested methodology based on customer behaviour Three behavioural criteria for "Digital customers" 1 Product purchase or segment upgrade via digital channels 2 More than 50% of financial OR transactions via digital channels 3 More than 50% of non-financial OR transactions via digital channels Add/delete payee For each customer, all associated income and all associated costs are completely and accurately attributed • • Account opening ¡Wealth DBS Remit • Pay bills online • Change personal details Customers must re-qualify on a rolling 12-month basis ☑DBS 6

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