TBA Board of Directors, TBA members, Members of ASEAN banking community, Distinguished guests, Ladies and gentlemen,
I am delighted to be here with you this morning, and I would like to thank TB-CERT for inviting me to speak at this event.
Technology and the internet have undeniably become integrated into our daily lives. Customers' behaviors continue to evolve and adapt to the technological progresses. In response, new technologies are developed to serve and accommodate customers' ever-evolving needs. A prime example is the invention of smartphone over a decade ago, which has completely transformed our ways of lives and increased people's connectivity to unprecedented levels. The banking industry, too, is undergoing massive digitalization, from the user-facing tools like mobile banking apps to back-end infrastructure and essentially everything in between. These developments are the key drivers behind the convenience and productivity that we all enjoy today.