Deeper. Broader. Smarter.

Through our digital strategy, DBS continues to deepen wallet share of consumer and institutional customers in our core markets of Singapore and Hong Kong.

Our relentless focus on digitalising the bank is paying off. It has been instrumental in helping us create new income streams and gain market share.

In a mature market like Singapore, this strategy has propelled us to top position in mortgages, auto loans, cards and bancassurance.


DBS PayLah!

DBS PayLah! is Singapore’s fastest-growing personal mobile wallet with more than 785,000 users. We were the first e-wallet in Singapore to enable QR code payments and now process more than 15,000 peer-to-peer transactions a day.

Acquiring wealth management customers online

37% of our new wealth management customers started their relationship with us online.

DBS iWealth

Our wealth management customers are the first in Singapore to be able to conduct banking transactions, manage their investment portfolio and trade from one single app.

Today, 92% of our equity transactions are done digitally. Of these, in the fourth quarter of 2017, 30% were done via the mobile phone.

POSB Smart Buddy

POSB Smart Buddy is the world’s first in-school wearable tech savings and payments programme. Since its official launch in August 2017, more than 30 schools have signed up for it.

World’s largest financial services application programming interface (API) platform

With over 180 APIs across more than 20 categories such as funds transfers, rewards, DBS PayLah! and real-time payments, DBS’ API platform counts as the world’s largest in the financial industry. Household names such as AIG, McDonald’s, MSIG and PropertyGuru have already plugged into it to develop solutions that help customers live more, bank less.

DBS Home360

The DBS Home360 app is the first app that introduced the power of virtual reality to the Hong Kong residential property market. It was developed in partnership with Century 21, one of Hong Kong’s largest realtors. Homebuyers are now able to get an affordability assessment on-the-go, while browsing shortlisted properties that DBS Home360 identifies. They can also make use of the virtual reality function and “tour” properties in the comfort of their own home.


SME online account opening

80% of our new SME customers in Singapore started their relationship with us digitally.

Online payments

We saw a 2.7 times increase in corporate Fast and Secure Transfers payments in 2017.

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Business Model

This section discusses our business model and provides details on how we use our resources and distribute value to our stakeholders.



This section provides information on our financials, 2017 priorities and performance by customer segments.