Dennis Khoo, MD and Group Head of TMRW Digital Group, on the fundamental changes happening real-time in the banking industry. As digital banks look set to supplant the traditional banking model in SEA. Why? While banks traditionally gave high levels of service to a small pool of wealthy customers, today’s ubiquitous technology means the cost of giving personalised service has fallen significantly. Every smartphone user now has a personalised bank “branch” in their pocket. So how is digital engagement changing the face of personal finance in SEA?