2016年科技50强：大卫•格莱德希尔

银行能否认真地“致力于为客户创造快乐的银行体验”？星展银行（DBS Bank）正是这样描述其营销使命的。经过几年的努力，在大卫格莱德希尔,新加坡星展银行可能会交付on that promise. Gledhill, head of group technology and operations since joining DBS from JPMorgan Chase & Co. in 2008, is adding on to a well-laid foundation. In the Singapore home market alone, there are 2.5 million online and 1.25 million mobile customers, according to the 2015 annual report by DBS, which has 439 billion Singapore dollars ($324 billion) in assets. Now the focus is on enhancements like person-to-person payments and voice and fingerprint authentication to make transactions easier, safer and, Gledhill emphasizes, more fun. He has a vast geographical expanse in which to roll out innovations: 18 Asian markets served by 280 DBS branches. In April, DBS launched digibank, India’s first completely branchless and paperless mobile banking service; it uses Siri-like conversational technology, and customer authentication piggybacks on the national Aadhaar identification card. The digibank app in Singapore runs on Apple Watch as well as on smartphones that rely on fingerprint ID to let customers check their balances with a simple swipe. “Digibank brought together groundbreaking technology, from biometrics to artificial intelligence to dynamic security,” says Gledhill, 54. “Plans are in the pipeline to replicate this platform in other markets.” Digitization is not confined to consumer interactions. “DBS is applying analytics to better understand and serve our customers and employees, and to enhance our operations and risk surveillance,” says Gledhill, who oversees more than 5,000 of the bank’s 22,000-plus employees. “Analytic tools are also being used by DBS’s audit and global transaction services teams to swiftly identify potential errant behavior.” He adds that he is “hugely passionate about creating a fintechlike workforce that adopts the habits of digitally native companies.” Employees are encouraged to collaborate with start-ups in hackathons and can apply to join an incubation program, DBS HotSpot, for mentoring and potential seed funding. In 2015 more than 2,000 DBS employees participated in these initiatives, Gledhill says.

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