DBS

DBS has a universal bank model. It has the largest number of ATMs and branches in Singapore,
allowing it to leverage on its strength of deposits .

DBS also partners with university study unions such as NUS student union to educate students on
financial literacy while at the same time allowing DBS to market itself to the university population
and build customer relationship and loyalty . DBS also continuously invest on youth adult segment
by having DBS remix branch which offers consumers highly digitalise experience. The branch also
give a customer experience by having state of the art queue system where customers are notified of
their turn via sms catering to the needs of youth adults.

DBS also has a design your bank competition to gather

ideas and co-designed the ideal branch ,
allowing consumers to have a sense of ownership to the bank, which helps maintain
customer loyalty as they play an action role in their banking activties. The competition
resulted in the launch of DBS remix branches with both banking and high technology
social facilities

OCBC

OCBC provides a holistic banking approach in terms of its products, channels and brand
management. OCBC has Frank card which targets youth age 18-28 which do not have minimum
deposit to attract youth to deposit money. The Frank card integrates three products c ustomised
credit and debit card, saving account and tuition loan into one. There are also no issuance of
paper statements and cheque books

OCBC has branches that look more like retail stores, modelling the concept of a shopping
experience by giving customer time to browse products, explore and ask questions about financial
products and financials needs in a stylish , trendy environment.

OCBC has also strong social media presence. OCBC constantly interact with youth on social media by
updating in regards to promotion, financial advices and topics to discuss with students or youth
working adult. , allowing customers to engage in comments and feedbacks for the bank. This
interaction which also resonates with youth

UOB

UOB mobile banking

UOB provides a comprehensive suite of financial products matched to customers’ lifestyle needs. Its
customers can choose from a suite of retail deposits, loans, insurance, cards and investment
products to help them manage their money and finance important milestones.

UOB has launched a new completely paperless electronic account opening service at all of its
branches in Singapore which cuts down the amount of time customers spend opening a bank
account. Customers can now open personal accounts with UOB in just 15 minutes, a 25 per cent
reduction in the average time it takes to open an account. The changes were made as part of UOB’s
branch transformation programme which is focused

Each UOB service counter has been equipped with a new identification document scanner, signature
pad and biometric thumbprint device designed to make the account opening process easier. Using
this new technology, the customer’s identity card or passport information is scanned directly into
UOB’s system and the customer’s signature or thumbprint is captured electronically into the UOB
data base. Customers no longer need to sign hard copy application forms when they open new
accounts,

Citibank

One of Citibank delivery channels is having branches near mrt station with high traffic flow which is
also known as the transit branch concept, Citibank partnership with SMRT to set up to capture the
high traffic flow of mrt . By having branches near the mrt station, it allows convenient daily banking and
instant access for customers , bringing banking towards customers

Citibank ATMs can also be found at SMRT stations islandwide, which allows customer to enjoy access to their
accounts and perform banking transactions daily. It also has a shared ATM network with 6 Qualifying Full Banks
which are available at a selected list of over 125 ATMs in Singapore. Sharing ATMs with others banks is a
cheaper option than having it properity ATM