# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"less serious, tense environment. Make it cosy"

Surveyee, 21

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"have more event to promote the outlet."

Surveyee, 23

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"More inviting signs outside"

Surveyee, 18

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"more branches nearer to residential areas"

Surveyee, 20

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"Games and cafes"

Surveyee, 17

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"Locate in a more convenient area for university students"

Surveyee, 22

# data[].attributes.body
The major criteria's that I considered when i ranked the banks was brand recognition, accessibility, and convenience of fund transfer online
Sze Woon, 20

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"Promote the purpose of the bank branch"

Surveyee, 19

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"Add in cafes"

Surveyee, 20

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"open more outlets elsewhere"

Surveyee, 21

# data[].attributes.body
I would like to see a banking app that is easy to use and comprehensive as well as aesthetically pleasing.

Surveyee, 19

# data[].attributes.body
I like the card designs on the OCBC frank, it makes me feel happy as it is unique.

Surveyee, 18

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"have more media coverage"

Surveyee, 20

# data[].attributes.body
I need to have a better picture of my finances.

Surveyee, 20

# data[].attributes.body
I need the bank to provide me with more incentives and rewards.

Surveyee, 19

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"have some sort of entertainment rewards posted near the bank."

Surveyee, 18

# data[].attributes.body
I need better interest rates on my deposits!

Surveyee, 21

# data[].attributes.body
I need a platform for me to hone my investment skills that is fun and interactive

Surveyee, 19

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"have some food area"

Surveyee, 17

# data[].attributes.body
I want to start investing but there are limited opportunities out there for me.
Surveyee, 19

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"Cubicles or private studying area in the bank"

Surveyee, 18

# data[].attributes.body
I want to be able to insure myself as well as my loved ones.

Surveyee, 20

# data[].attributes.body
I want to be able to fund my university education by myself.

Surveyee, 18

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"Have rewards more applicable to teenagers"

Surveyee, 19

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"It looks empty usually, a livelier atmosphere would make it more appealing."

Surveyee, 20

# data[].attributes.body
I feel more comfortable with having some form of human assistance when it comes to banking advisory.

Surveyee, 19

# data[].attributes.body
The product information online is often insufficient or hard to comprehend.

Surveyee, 20

# data[].attributes.body
I dont feel comfortable with sharing my personal information online.

Surveyee, 19

# data[].attributes.headline
What would encourage youth to visit OCBC Frank. 

# data[].attributes.subject
What would encourage youth to visit OCBC Frank. 

# data[].attributes.body
"have a student package"

Surveyee, 20

# data[].attributes.body
Other than an increase in interest rates, I wouldn't really consider switching banks as it is really a hassle
Sze Woon, 20

# data[].attributes.body
I would be enticed to switch banks if they offer me higher interest rates than what my current bank offers
Sze Woon, 20

# data[].attributes.headline
I spend mostly on Instagram, youtube. Probably about 6hours

# data[].attributes.subject
I spend mostly on Instagram, youtube. Probably about 6hours

# data[].attributes.body
Enkhlin, 19

# data[].attributes.body
YouTube. About 1 hour each day.

Instagram and Facebook. 5 min each.

Wanyue, 18

# data[].attributes.body
I need the bank to provide me with a comprehensive app that allows me to track and visualize my spending better and reward me for my expenses.

Clive, 19

# data[].attributes.body
I need a virtual platform for me to start practicing investing.

Clive, 19

# data[].attributes.headline
Cashless/cash: Cashless, simpler and faster. Withdrawing from DBS ATMs always have the longest queues and I am impatient.

# data[].attributes.subject
Cashless/cash: Cashless, simpler and faster. Withdrawing from DBS ATMs always have the longest queues and I am impatient.

# data[].attributes.body
Gillian, 20

# data[].attributes.body
Once a bank can offer me a better way to manage my finances, and reward me for my spending, I dont mind switching at all.

Gillian, 19

# data[].attributes.body
I do not see banks like OCBC much on Shopee compared to DBS, SC and UOB.

Gillian, 19

# data[].attributes.body
I am highly influenced by my friends and parents in making a decision with regards to which bank to use, social media does not really play a part.
Sze Woon, 20

# data[].attributes.headline
Additional goods and services: loans for overseas universities, a new house. 

# data[].attributes.subject
Additional goods and services: loans for overseas universities, a new house. 

# data[].attributes.body
Gillian, 20

# data[].attributes.body
Most of the time I am on Instagram, Youtube and Netflix. I spend more than 8 hours a day on those apps combined.

Gillian, 19

# data[].attributes.headline
Switching of banks: If they offered better loyalties and discount codes, then I might be inclined to give it a go.

# data[].attributes.subject
Switching of banks: If they offered better loyalties and discount codes, then I might be inclined to give it a go.

# data[].attributes.body
Gillian, 20

# data[].attributes.headline
"I would prefer doing everything online. "

# data[].attributes.subject
"I would prefer doing everything online. "

# data[].attributes.body
Felicia, 21

# data[].attributes.headline
"offer more promotions like for example 50 cents off when you pay using OCBC Paynow"

# data[].attributes.subject
"offer more promotions like for example 50 cents off when you pay using OCBC Paynow"

# data[].attributes.body
Felicia, 21

# data[].attributes.body
I started off with OCBC due to parents influence, but after I got my financial independence, I wanted to have control of an account outside of OCBC
Sze Woon, 20

# data[].attributes.body
The feeling I got when I first opened my bank account was Excited, as my parent's had no say in the things I could spend on. It was a good feeling of independence.
Gillian, 19

# data[].attributes.headline
Key standout characteristics: National prestige, top notch customer services, the staff were very reassuring. 

# data[].attributes.subject
Key standout characteristics: National prestige, top notch customer services, the staff were very reassuring. 

# data[].attributes.body
Gillian, 20

# data[].attributes.body
I get very satisfied and proud when I am able to fund my own hobbies and spend on things I like.

Gillian, 19

# data[].attributes.body
I find advertisements or telemarketing emails very annoying.

Gillian, 19

# data[].attributes.body
The accounts that I am currently using is set up by my parents when I was young, and my parents usually credit my pocket money to this existing account
Sze Woon, 20

# data[].attributes.body
If the brand that I use often is always consistent and gives me good service, I tend to be very loyal and stick to it

Gillian, 19

# data[].attributes.headline
External influence: My parents main accounts are with. As for friends, yes, we tend to just use all the same banks. Social media not so much, I haven’t really seen an ad about banks on my social media.

# data[].attributes.subject
External influence: My parents main accounts are with. As for friends, yes, we tend to just use all the same banks. Social media not so much, I haven’t really seen an ad about banks on my social media.

# data[].attributes.body
Gillian, 20

# data[].attributes.body
I need the bank to help me out with my financial planning especially after I graduate.

Gillian, 19

# data[].attributes.body
I need the bank to provide me with better discounts and rebates!

Gillian, 19

# data[].attributes.body
I find investments very interesting and its a good way to start building up a steady stream of passive income, I want to try it!
Gillian, 19

# data[].attributes.headline
Importance of brand image: Yes, bank would be benefiting the society and it makes me feel proud to be a consumer with them. 

# data[].attributes.subject
Importance of brand image: Yes, bank would be benefiting the society and it makes me feel proud to be a consumer with them. 

# data[].attributes.body
Gillian, 20

# data[].attributes.body
With regards to OCBC, I appreciate the effort on the aesthetics, but it does not really suit the preference of current youths, it is too childish for me personally
Sze Woon, 20

# data[].attributes.body
Sometimes I am not willing to change according to the trend.
Wanyue,18

# data[].attributes.body
My motivation would be to to save up for a graduation trip together with my buddies !
Clive, 19

# data[].attributes.body
My motivation is to get into a good university and be able to pay for it with my own savings.

Gillian, 19

# data[].attributes.body
I hope my bank app can provide me with a one-stop-solution to everything I need from financial planning to tracking expenses

Gillian, 19

# data[].attributes.body
Perhaps a way banks can help me manage my finances would be to send me a notification whenever I overspend
Sze Woon, 20

# data[].attributes.body
I like going cashless because its super fast and easy, plus I'm always late for classess so I need to pay for my food fast.

Gillian, 19

# data[].attributes.body
I do not really have a conscious habit of tracking my expenses and I would like some help on that
Sze Woon, 20

# data[].attributes.body
I like watching dramas, movies, listening to music, and playing games.
wanyue,18

# data[].attributes.body
I need something to help me organize all my expenses, because I tend to forget what I need to pay for sometimes

Gillian, 19

# data[].attributes.body
Hobbies: I like to swim from time to time and on days where I don’t feel like doing anything, I would be watching dramas or either Netflix. Sometimes I would order food.
Enkhlin, 19

# data[].attributes.body
When I look at the bank, I value Customer Service, Rewards and Brand Presence

Gillian, 19

# data[].attributes.headline
Key considerations in picking bank: widely used, feel more safe, it's convenient as peer-to-peer transfers are carried out more easily

# data[].attributes.subject
Key considerations in picking bank: widely used, feel more safe, it's convenient as peer-to-peer transfers are carried out more easily

# data[].attributes.body
Gillian, 20

# data[].attributes.headline
"I’m too lazy to think about the investments and I don’t have that much money "

# data[].attributes.subject
"I’m too lazy to think about the investments and I don’t have that much money "

# data[].attributes.body
Felicia, 21

# data[].attributes.body
I really enjoy my interactions with OCBC bank so far, they are quite helpful when I have issues with my card
Clive, 19

# data[].attributes.headline
Take charge of finance: Yes. Allowance given? Yes. I chose the bank (DBS) myself.

# data[].attributes.subject
Take charge of finance: Yes. Allowance given? Yes. I chose the bank (DBS) myself.

# data[].attributes.body
Gillian, 20

# data[].attributes.body
It is okay unless I have to take from my savings. So long as I don’t overspend my card that is for spending (cautious)
Wanyue, 18

# data[].attributes.body
I would love to have the banks to help me plan my finances better in the future of digital banking
Chu Ling, 19

# data[].attributes.headline
"I spend about 3 to 4 hours daily using it. I use Twitter and Instagram mainly." 

# data[].attributes.subject
"I spend about 3 to 4 hours daily using it. I use Twitter and Instagram mainly." 

# data[].attributes.body
Felicia, 21

# data[].attributes.body
I feel apprehensive when I visit the bank, they seem very daunting.

Clive, 19

# data[].attributes.headline
"I really like that OCBC banks allow you to transact in the physical ATM without your bank card and just with the OCBC mobile application"

# data[].attributes.subject
"I really like that OCBC banks allow you to transact in the physical ATM without your bank card and just with the OCBC mobile application"

# data[].attributes.body
Felicia, 21

# data[].attributes.body
I find telemarketing emails and messages very annoying. I tend to delete them anyway.

Clive, 19

# data[].attributes.body
I feel happy but at the same time it costly spending my allowance on my hobbies
Wanyue,18

# data[].attributes.headline
Spending habits: Bad habit of overspending sometimes. 

# data[].attributes.subject
Spending habits: Bad habit of overspending sometimes. 

# data[].attributes.body
Gillian, 20

# data[].attributes.body
I use Instagram and Youtube the most on a daily basis for 4-6 hours.
Clive, 19

# data[].attributes.body
Yes I would trust a bank's investment recommendations as they usually has a good grasp of financial happenings
Chu Ling, 21

# data[].attributes.body
I trust an Insurance agent more for insurance products as I feel like they have more expertise as opposed to the bank
Clive, 19

# data[].attributes.headline
Trend conscious: I think I’m quite trend conscious, but there are certain things where I tend to stick to what I’m used to and what I’ve grown to love over the years. 

# data[].attributes.subject
Trend conscious: I think I’m quite trend conscious, but there are certain things where I tend to stick to what I’m used to and what I’ve grown to love over the years. 

# data[].attributes.body
Gillian, 20

# data[].attributes.headline
" banks to give more rewards so that it motivates the customers to use their services"

# data[].attributes.subject
" banks to give more rewards so that it motivates the customers to use their services"

# data[].attributes.body
Felicia, 21

# data[].attributes.body
I do not engage in any form of investments due to the lack of knowledge and money
Chu Ling, 21

# data[].attributes.body
I lack the knowledge and capital to invest, but I would love to try it out!
Clive, 19

# data[].attributes.body
I prefer to be notified through text message as I rarely check my email
wanyue,18

# data[].attributes.body
I want the banks to make my transactions more seamless and innovative, and help me better visualize my expenses

Clive, 19

# data[].attributes.headline
"Savings are definitely essential as down the road, when I want to get married and buy a house, it would be of great help."

# data[].attributes.subject
"Savings are definitely essential as down the road, when I want to get married and buy a house, it would be of great help."

# data[].attributes.body
Kiara, 21

# data[].attributes.body
i trust traditional banks since it is more like human control, while staff tend to check more which can help to be more safe while digital banks, it is all machine and maybe it can be controlled by bad guys so the money flies away.
Wanyue,18

# data[].attributes.headline
Hobbies/interests: Online shopping, hanging out with my friends, watching movies, listening to music and cooking.

# data[].attributes.subject
Hobbies/interests: Online shopping, hanging out with my friends, watching movies, listening to music and cooking.

# data[].attributes.body
Gillian, 20

# data[].attributes.body
I trust traditional banks more as i am able to clarify my doubts through human-human interaction which reassures me. (instead of talking to a bot)
Chu Ling, 21

# data[].attributes.headline
"digital payment like paynow or paylah can also give like a point system reward too to incentivise people to adopt that." 

# data[].attributes.subject
"digital payment like paynow or paylah can also give like a point system reward too to incentivise people to adopt that." 

# data[].attributes.body
Felicia, 21

# data[].attributes.headline
" introduce online payment system to more places"

# data[].attributes.subject
" introduce online payment system to more places"

# data[].attributes.body
Felicia, 21

# data[].attributes.headline
"possibly offer a good reward system and maybe give free gifts like airpods pro or something when customers sign up for a new card"

# data[].attributes.subject
"possibly offer a good reward system and maybe give free gifts like airpods pro or something when customers sign up for a new card"

# data[].attributes.body
Kiara, 21

# data[].attributes.body
Digital Banking is convenient and accessible
Chu Ling, 21

# data[].attributes.body
Banks can give more promotions to current customers and offering me some key financial products it will let me stay there.
wanyue,18

# data[].attributes.body
I like Grab Pay because it rewards me on my spending so I feel enticed to keep using it
Clive, 19

# data[].attributes.body
Current Impression of OCBC
Good student loan rates
Chu Ling, 21