Traditional banks are facing unprecedented disruption from challenger banks today. So why aren’t more of them launching challenger banks of their own? Well, two high-profile examples – JP Morgan’s Finn and RBS’s Bo – were launched with much fanfare, but both shuttered after less than a year. In light of this, the success of TMRW digital bank by UOB, launched in Thailand in 2019 and Indonesia in 2020, is astonishing. Dr Dennis Khoo, who created TMRW, shares with us the thinking behind the design of this revolutionary undertaking. At every step of the way, he and his team went against established paradigms and bucked conventional wisdom to build ASEAN’s first digital bank. Filled with visionary analysis and on-the-ground guidance, Driving Digital Transformation demonstrates how this success can be replicated across all industries. For any leader or organisation starting on a major digital initiative, this book is a must-read. What makes this playbook particularly valuable is that it is written by Dennis Khoo, one of the sharpest minds in the industry. – Mary Huen, CEO, Standard Chartered Hong Kong

This short book details what a Christian can expect when they die. Taken from the details and promises of the Bible, a great comfort and encouragement can be drawn for those who lose a loved one and hope for those who are believers who are facing the end of life.

Leaders or Boards of Directors often believe the culture of their organization is in need of change. Sometimes the organizational culture is in need of change; other times it is not. In today's global marketplace, it is important for leadership to make the right decision. There are proven success steps leaders need to follow to bring about cultural changes in their organizations. This book provides the steps and questions for leaders to address relative to whether their organizations are in need of a change. It asks leaders to consider their leadership style, to look at what other organizations have done, to set goals and timeframes, the organization's vision and mission statements - all before making a final decision about whether there is a need for changing the culture. The importance of effective communications can make the difference in whether an organization succeeds in changing. Too often leaders believe providing information about how an organization is changing is the same as communicating how and why an organization is changing. Nothing is further from reality. Followers need to understand how organizational changes will affect them personally. Because many followers are not comfortable with change, conflicts often arise. This book discusses how organizational leaders can foresee and prevent some conflicts from happening and how to deal with the conflicts that do arise. Lastly, the book outlines the steps leaders need to follow to ensure a successful change in their organizations. Too often leaders do not outline a plan of action the leads to a successful change. Without a plan of action, leaders often don't stay the course, ensuring failure of the organization.

Leaders or Boards of Directors often believe the culture of their organization is in need of change. Sometimes the organizational culture is in need of change; other times it is not. In today's global marketplace, it is important for leadership to make the right decision. There are proven success steps leaders need to follow to bring about cultural changes in their organizations. This book provides the steps and questions for leaders to address relative to whether their organizations are in need of a change. It asks leaders to consider their leadership style, to look at what other organizations have done, to set goals and timeframes, the organization's vision and mission statements - all before making a final decision about whether there is a need for changing the culture. The importance of effective communications can make the difference in whether an organization succeeds in changing. Too often leaders believe providing information about how an organization is changing is the same as communicating how and why an organization is changing. Nothing is further from reality. Followers need to understand how organizational changes will affect them personally. Because many followers are not comfortable with change, conflicts often arise. This book discusses how organizational leaders can foresee and prevent some conflicts from happening and how to deal with the conflicts that do arise. Lastly, the book outlines the steps leaders need to follow to ensure a successful change in their organizations. Too often leaders do not outline a plan of action the leads to a successful change. Without a plan of action, leaders often don't stay the course, ensuring failure of the organization.

"DO THESE DEVOTIONS OR YOUR''RE GROUNDED" ---------------------------------------------------------- Dr. Dennis C. Smith With its plain talk and easy to follow message, this devotional will help teens to better understand how to live what they believe. Teens will discover.. **" DUDE! GOD LOVES YOU!" **" IS IT GOING TO BE FUN?" **" WHAT''S REALLY COOL?" ** "TOO BUSY.DUDE?" ** "THINK BEFORE YOU SIN!.," ..and more. After doing these devotions, teens will understand the importance of living out their faith in their world. DR.DENNIS C.SMITH, is the Senior Pastor of Citrus Road Community Church in Goodyear, Arizona.