The urgency for organizations to transform themselves in the face of technology-fueled disruption has been a key challenge in many industries. In the banking sector, incumbent players are dealing with the emergence of financial technology, or fintech, firms that threaten them in a range of business segments. In her keynote address at a ULI Singapore event, Tan Su Shan, managing director and group head, institutional banking, DBS, shared with the audience some insights and lessons learned from the journey so far.