At present, Singtel, Grab and Razer are studying the feasibility of applying for digital banking licence in Singapore.How can progressive regulation change the financial services landscape across the region? How will different regulators open up the sector to introduce new competition, and which countries are at the forefront of this trend in Asia? Venky Srinivasan, Group Vice President at Oracle Financial Services joins us to discuss what these new licenses will mean to Singapore, and also share some learning points from other parts of Asia Pacific.