Arjay is a member of the five person founding team of the Digital Bank at DBS. A customer-driven innovator at heart, Arjay led the digital bank strategy, the innovation and customer insights work, and the market positioning leading to development and launch of digibank India. He created the now famous DBS slogan “Live More, Bank Less” and introduced and ran the first hackathons at DBS, collaborating with customers and startups to bring customer-endorsed, high potential ideas rapidly to market. He has overseen the introduction of the end-to-end data technology infrastructure for Digital Bank and is the architect of the culture change leading to a “Data First” Digital Bank, where all numbers are known to all members of the team, at all levels, every day, the ability to drill down and answer questions with data is open, and actions are informed by data. Arjay’s innovations have won three prestigious awards, and DBS Digital Bank overall has been named the World’s Best Digital Bank. Previously, Arjay led the regional team for DBS SME Banking. He has an MBA from Harvard Business School and has been in Singapore for 11 years.