DIGITAL transformation has hit countries around the globe. The Lion City is one of the world’s top hotbeds for technology and innovation today. In fact, Singapore accounted for a quarter of the nearly US$6 billion in capital invested in South-east Asia’s technology firms during the first half of this year. Specifically, fintech investments were found to have nearly quadrupled from a year ago to US$453 million in the first half of 2019, making Singapore the third-largest fintech market by funds in the Asia-Pacific.