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With the tagline ‘ Live more , bank less ’, DBS Bank ’ s transformational aims are clear : to make its processes as simple , secure and efficient as possible for its customers . In December 2016 , Forbes called DBS the ‘ Best Digital Bank in the World ’ and , in 2019 , Harvard Business Review named it in the top 10 most transformative companies in the world . Through a goal of ‘ making banking invisible ’, the company has adopted what it calls a startup mentality ; casting off traditional banking models in favour of integrating digital technology through all of its operations and applying customer centricity into every stage of their journeys . NOVEMBER 2019