Note:

Our assessment comprises of the following KPI per dimension

• Organisation: (1) Digital Platform Integration; (2) Degree of Group Finance/ledger Reconciliation; (3) Degree of Income stream attribution; (4) Operational Risk
• Financial performance: (1) Profitability; (2) Delta ROE; (3) Retail CIR
• Digital Customer: (1) Average digital user growth per month; (2) Percentage of eKYC customers onboarded; (3) Number of Digital Users per Full Time Employees; (4) Portion of total customer base that is digitally active; (5) Definition of “Digitally Active”; (6) average log in per user per month
• Digital Brand: (1) NPS; (2) Percentage of new-to-bank deposits that originated from digital channels
• Digital Sales: (1) Portion of retail sales that originated digitally; (2) Portion of Personal Loans that originated digitally; (3) Portion of Mutual Funds/Unit Trusts that originated digitally
• Open Banking Capabilities: (1) Number of clearly identifiable ecosystems; (2) Portion of frontline sales that have a digital workbench at hand
• Big Data: (3) Number of Areas that ML have been applied to; (2) Portion of retail business driven by AI/ML; (3)The status of setting up a data lake
• Operations Technology: (1) Percentage of retail banking transactions originating from mobile and internet banking; (2) Total number of RPAs deployed in retail banking; (3) Annual cost saving combined by RPAs; (4) Portion of all core systems that have been moved to the public cloud; (5) Current portion of all retail applications running on public cloud.