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1. Are the strategic responses by DBS to the threat of tech companies appropriate? Are they

effective? Comment. What else could DBS do?

2. What challenges do you think Piyush Gupta will face in steering the four-decade-old DBS

against, for instance, a four-year-old technology start-up? List and explain them.

3. Why does Piyush Gupta sound the alarm in the banking industry about his perception of the

threat posed by tech companies? If his perception of the threat was right, would it not be

better for him to work on it quietly to gain competitive advantage for DBS? Why would he

need to alert players in the industry to brace up for the threat and share with them what DBS

is doing to counter it?