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== Digital Leadership == DBS is widely regarded as '''the world’s best digital bank''' — transforming traditional banking into a seamless digital experience. '''Key Innovations:''' * '''DBS digibank App:''' AI-driven mobile platform with multi-currency features and instant loan services. * '''PayLah! App:''' Singapore’s leading peer-to-peer payments and lifestyle app. * '''AI and Data Analytics:''' Used for personalized recommendations and fraud prevention. * '''Cloud and API Banking:''' Enables fintech collaboration and open-banking ecosystems. * '''Digital Banking for SMEs:''' Simplified digital account opening and instant credit access. In 2023, DBS reported that over '''98% of its transactions''' were conducted digitally — a true reflection of '''“Banking Reinvented.”''' ----
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