FYP GROUP 1 by Sophia Chen

FYP GROUP 1 by Sophia Chen https://padlet.com/sphcn02/okiqx8ym7sq3fi13 How do we drive greater engagement and revenue for banks amongst youths through digital channels? en-us 2020-05-11 00:31:30 UTC 2020-05-20 01:36:46 UTC hello@padlet.com https://padlet.net/icons/png/1f607.png https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563651714 "I don’t really know what kind of offers the banks provide. I just do the way I currently am doing since I have more than 1 card."

Enkhlin, 19

]]> 2020-05-11 01:05:56 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563651714 "Banks takes some time to get through their customer hotline, but still resolve the issue by end of the day" fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563655890
Kiara, 21]]> 2020-05-11 01:10:43 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563655890 "Do not have a habit of tracking my expenses or managing my finances at all" fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563656159
Kiara,21]]> 2020-05-11 01:11:01 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563656159 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563656255 My hobbies are Gymming and Shopping both online and offline, especially for fitness products

Clive, 19 ]]> 2020-05-11 01:11:08 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563656255 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563656884 DBS was when I hit the minimum age to open a card hence I went for it. For OCBC, at that point, there were offering free card designs so I just created a new card :>
Enkhlin, 19]]> 2020-05-11 01:11:52 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563656884 "Bad habit of constantly spending and would consider myself as a Shop Addict" fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563656904
Kiara, 21]]> 2020-05-11 01:11:53 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563656904 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563657076 I am a very systematic person, so I like to have a routine and stick to things that I am used to.
Clive, 19]]> 2020-05-11 01:12:06 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563657076 "Honestly I don't really have a habit of tracking my expenses. i think having a trackerthat can be accessed easily and easy to understand will help me." https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563657095
WeiChang, 21]]> 2020-05-11 01:12:08 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563657095 "$0 Annual Fee and Deposit Fee draws me closer in signing up for a bank" fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563657540
Kiara, 21]]> 2020-05-11 01:12:42 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563657540 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563657569 I am willing to spend money on my hobbies without hesitation, It makes me feel very happy and accomplished.

Clive, 19

]]> 2020-05-11 01:12:44 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563657569 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563657823 would change banks if they offer more benefits and higher rates is a bonus
Enkhlin,19 ]]> 2020-05-11 01:13:03 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563657823 "I think parents have the largest impact as they will help us set up an account when we are small and when we grow up we will most likely use that same account. friends can have an impact too as we will most likely trust our friends' opinions." https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563658040
WeiChang, 21

]]> 2020-05-11 01:13:17 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563658040 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563658526 The current insight reports are barely helpful, I feel indifferent towards it which is why I check it rarely.

Clive, 19

]]> 2020-05-11 01:13:52 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563658526 "I don’t think I would consider getting products and services at this age as I’m still young. Possibly in the future I’d definitely consider getting them (i.e. includes property loans and personal loans.)" fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563658757
Kiara,21]]> 2020-05-11 01:14:07 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563658757 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563659033 The Balances on the OCBC App takes very long to update, and because of that I feel confused as my balances is very misleading.

Clive, 19]]> 2020-05-11 01:14:31 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563659033 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563659475 Kind of lazy to find out about the investment plans, too troublesome and hard to keep track.
ENkhlin, 19

]]> 2020-05-11 01:15:03 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563659475 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563659540 My mum has the most influence when it comes to the bank I choose, she is the one that credits me my allowance each month.

Clive, 19]]> 2020-05-11 01:15:08 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563659540 "Since I shop a lot, it would entice me to switch banks if the bank offers a discount for my favourite shopping sites." fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563659613
Kiara,21]]> 2020-05-11 01:15:14 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563659613 "I would like to see traditional banks linking the bank account to an online/digital shopping platform similarly to grabpay" https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563659700
WeiChang, 21]]> 2020-05-11 01:15:19 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563659700 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563660293 I'm quite a neat freak, so I like to properly separate my savings and spending accounts. I have my savings under DBS because it gives me better interest rates!

Clive, 19]]> 2020-05-11 01:16:00 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563660293 "my lack of experience and I think it's too early to start investing. I feel that one should at least have a proper and sustainable income before starting to invest, this way if the investment fails you are still able to sustain yourself." https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563660757
WeiChang, 21

]]> 2020-05-11 01:16:31 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563660757 "Bank can have a function that automatically calculates and collates my daily expenses and gives me a monthly statement that is easy to understand and read. " fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563660951 Kiara, 21]]> 2020-05-11 01:16:43 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563660951 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563661216 I like the fact that OCBC has no fall below fee and minimum balance, because as a teenager I get anxious when they charge me especially on times where I am cash strapped.

Clive, 19]]> 2020-05-11 01:17:03 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563661216 "I think by providing exclusive and financial benefits that grows as you remain longer will help to remain loyal as a customer" https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563661353
WeiChang, 21

]]> 2020-05-11 01:17:12 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563661353 "Don’t see the need for me to go to the physical branch since most information can be found online." fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563661580 Kiara,21]]> 2020-05-11 01:17:28 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563661580 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563662297 I feel that it is good if banks are supporting charitable causes as more and more of my friends are beginning to stand for such causes as well. It will definitely create a positive brand image for the bank
Clive, 19]]> 2020-05-11 01:18:19 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563662297 "I do not particularly trust digital banks because looking at all the reported hacking cases, it does make me a little doubtful about my personal information being kept online. Something will never be guaranteed safe. " fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563662356 Kiara, 21]]> 2020-05-11 01:18:22 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563662356 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563663083 I just choose according to my guardian’s opinion, as she says it is quite secure when i chose the aforementioned bank
Wanyue, 18

]]> 2020-05-11 01:19:16 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563663083 "I think the phone applications created by the banks can be more user friendly and provides a way to consolidate the amount we spent on each sector." fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563663161 Hong Xun, 21]]> 2020-05-11 01:19:22 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563663161 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563663571 I would like to start saving up so that I can start to invest because I find it very interesting.

Clive, 19]]> 2020-05-11 01:19:53 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563663571 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563663947 My friends and family have influenced me to begin researching on how to start investing.

Clive, 19]]> 2020-05-11 01:20:20 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563663947 "Seeking new trends.... I like to try out newer things since they’re fresher and usually have like… improved functions or features." https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664115
Felicia, 21]]> 2020-05-11 01:20:31 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664115 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664188 Im actually pretty bad at managing my finances
Chuling, 21]]> 2020-05-11 01:20:36 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664188 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664261 They can speak Chinese fluently which can cater to customer needs.
Wanyue, 18

]]> 2020-05-11 01:20:41 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664261 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664449 I would want the bank to provide me with benefits and discounts on places that I spend most of my money on. For example the Gym.

Clive, 19]]> 2020-05-11 01:20:57 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664449 "Most probably a better interest rate on my deposits. As I am getting more out of my savings compared to the existing account that I have." fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664546 Hong Xun, 21]]> 2020-05-11 01:21:05 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664546 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664650 I would only get prdoucts if the bank gives more benefits
Wanyue,18]]> 2020-05-11 01:21:13 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664650 "I also don’t really look at my bank statements and all because the only thing that matters to me is the balance. However, if banks could do something with regards to this, I guess they could help us to classify the spendings. Like maybe a pie chart or something to show how many percent of my money is being spent on entertainment, commuting, food and others. At least this way it’s easier for lazy people like me to track my expenses if needed. " https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664893 Felicia, 21]]> 2020-05-11 01:21:29 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664893 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664906 I like to go cashless because I'm pretty impatient and using the scanner is super convenient, especially in school

Clive, 19]]> 2020-05-11 01:21:30 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563664906 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563665388 Within the bank app, there may be a function which allows you to decide how much u want to save and categorise your budget for each month. No punishment if I do not adhere to budget
Chuling, 21]]> 2020-05-11 01:22:00 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563665388 "Banks can implement an ATM machine that can withdraw money throughout all of the different banks without any transaction fees, so it would be more convenient for the users to withdraw cash as and when needed" fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563665554 Hong Xun, 21]]> 2020-05-11 01:22:12 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563665554 "I don’t really keep up to date with news, especially for like the banking industry" https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563665767
Felicia, 21]]> 2020-05-11 01:22:29 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563665767 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563665770 I need proper guidance on how to start investing safely, as I am scared of the risks involved.
Clive, 19]]> 2020-05-11 01:22:29 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563665770 "I guess the fact that many of my friends also use POSB kind of influenced my choice as well." https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666091
Felicia, 21]]> 2020-05-11 01:22:52 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666091 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666311 My spendings usually go to food. 40% (food) 10%(transport) 30% (Leisure) 20%(savings) respectively
Chuling, 21]]> 2020-05-11 01:23:09 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666311 "a bank’s image is rather important. Their act of services does kinda make them more humane and trustworthy. " https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666384
Felicia, 21]]> 2020-05-11 01:23:13 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666384 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666712 I need a safe platform to practice without all those technical jargons that I dont understand.
Clive, 19

]]> 2020-05-11 01:23:38 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666712 "Better interest rates -- I signed up with Standard Chartered because of the same reason" https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666785
Felicia,21 ]]> 2020-05-11 01:23:45 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666785 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666971 I get very frustrated when I have to pay for something in school with my ezlink card but I dont have enough balance and I cant top it up through my phone

Clive, 19]]> 2020-05-11 01:23:59 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666971 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666992 If I can buy concessions or top up on my app it would be nice. So I do not need to rush to the machine to buy it if I am hurrying to school.
Wanyue, 18]]> 2020-05-11 01:24:01 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563666992 "Definitely the ease of transferring money. I use POSB because DBS paylah is really widely used in my school and there’s like discounts also if we use that to pay. " https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563667092
Felicia, 21]]> 2020-05-11 01:24:08 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563667092 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563667432 Friends & parents plays a huge role in her decision making with regards to choosing a bank
Chuling, 21]]> 2020-05-11 01:24:34 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563667432 "I would prefer doing everything online. " https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563667504
Felicia, 21]]> 2020-05-11 01:24:40 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563667504 "More people are exposed to paynow from DBS than compared to OCBC" fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563668109 Hong Xun, 21]]> 2020-05-11 01:25:26 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563668109 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563668622 It will be more secure and automatic. It can automatically help me pay outstanding school fees if I have set an account / portion of my savings just for school fees(but just remember to inform me first). And maybe QRCode payment can be faster and more secure. ( for future of digital banking)

Wanyue,18]]> 2020-05-11 01:26:02 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563668622 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563668672 I usually use Paylah as most vendors in school accepts paylah. I usually like to go cashless]]> 2020-05-11 01:26:07 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563668672 "Would like the auto top up function that GrabPay wallet has so that we can we can control our savings by having a spending wallet instead of having one spending account and one savings account." fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669023 Hong Xun, 21]]> 2020-05-11 01:26:31 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669023 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669039 I would describe OCBC as Passionate, Youthful and Vibrant!

Clive, 19]]> 2020-05-11 01:26:31 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669039 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669395 My ranking of banks is based on the accessibility of banking facilities, (proximity of ATMs etc...)
Chu Ling, 21]]> 2020-05-11 01:26:56 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669395 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669621 I would want to have something whereby I can have a virtual consultation without having to visit a branch

Clive, 19]]> 2020-05-11 01:27:15 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669621 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669669 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]]> 2020-05-11 01:27:19 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669669 "I’d trust the insurance agent more because I have a direct contact with the agent rather than in a bank, there’s no personalized service" https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669739
Felicia, 21]]> 2020-05-11 01:27:23 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563669739 "offering loyalties will definitely help in maintaining customers" fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563670677 Hong Xun, 21]]> 2020-05-11 01:28:25 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563670677 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563670880 Current Impression of OCBC
Good student loan rates
Chu Ling, 21]]> 2020-05-11 01:28:39 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563670880 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563670885 I don’t know who to find to invest and currently market is not in a good condition, like it is not stable. It is challenging.
Wanyue,18]]> 2020-05-11 01:28:39 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563670885 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563671538 I like Grab Pay because it rewards me on my spending so I feel enticed to keep using it
Clive, 19]]> 2020-05-11 01:29:25 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563671538 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563671658 Banks can give more promotions to current customers and offering me some key financial products it will let me stay there.
wanyue,18]]> 2020-05-11 01:29:34 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563671658 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563671836 Digital Banking is convenient and accessible
Chu Ling, 21]]> 2020-05-11 01:29:45 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563671836 "possibly offer a good reward system and maybe give free gifts like airpods pro or something when customers sign up for a new card" fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563671869 Kiara, 21]]> 2020-05-11 01:29:48 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563671869 " introduce online payment system to more places" https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563672099
Felicia, 21]]> 2020-05-11 01:30:05 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563672099 "digital payment like paynow or paylah can also give like a point system reward too to incentivise people to adopt that." https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563672521
Felicia, 21]]> 2020-05-11 01:30:34 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563672521 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563672555 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]]> 2020-05-11 01:30:38 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563672555 Hobbies/interests: Online shopping, hanging out with my friends, watching movies, listening to music and cooking. guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563672934 Gillian, 20]]> 2020-05-11 01:31:06 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563672934 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563673031 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]]> 2020-05-11 01:31:14 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563673031 "Savings are definitely essential as down the road, when I want to get married and buy a house, it would be of great help." fifiliciouz99 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563673626 Kiara, 21]]> 2020-05-11 01:31:47 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563673626 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563673931 I want the banks to make my transactions more seamless and innovative, and help me better visualize my expenses

Clive, 19]]> 2020-05-11 01:32:11 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563673931 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674024 I prefer to be notified through text message as I rarely check my email
wanyue,18]]> 2020-05-11 01:32:16 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674024 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674382 I lack the knowledge and capital to invest, but I would love to try it out!
Clive, 19]]> 2020-05-11 01:32:45 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674382 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674617 I do not engage in any form of investments due to the lack of knowledge and money
Chu Ling, 21]]> 2020-05-11 01:33:01 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674617 " banks to give more rewards so that it motivates the customers to use their services" https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674652
Felicia, 21]]> 2020-05-11 01:33:04 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674652 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. guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674826 Gillian, 20

]]> 2020-05-11 01:33:17 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674826 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674902 I trust an Insurance agent more for insurance products as I feel like they have more expertise as opposed to the bank
Clive, 19]]> 2020-05-11 01:33:23 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563674902 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675164 Yes I would trust a bank's investment recommendations as they usually has a good grasp of financial happenings
Chu Ling, 21]]> 2020-05-11 01:33:43 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675164 Spending habits: Bad habit of overspending sometimes. guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675322 Gillian, 20]]> 2020-05-11 01:33:56 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675322 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675335 I use Instagram and Youtube the most on a daily basis for 4-6 hours.
Clive, 19]]> 2020-05-11 01:33:56 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675335 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675629 I feel happy but at the same time it costly spending my allowance on my hobbies
Wanyue,18]]> 2020-05-11 01:34:18 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675629 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675723 I find telemarketing emails and messages very annoying. I tend to delete them anyway.

Clive, 19]]> 2020-05-11 01:34:24 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675723 "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" https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675780
Felicia, 21]]> 2020-05-11 01:34:28 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563675780 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563676092 I feel apprehensive when I visit the bank, they seem very daunting.

Clive, 19]]> 2020-05-11 01:34:52 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563676092 "I spend about 3 to 4 hours daily using it. I use Twitter and Instagram mainly." https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563676244
Felicia, 21]]> 2020-05-11 01:35:03 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563676244 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563677132 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]]> 2020-05-11 01:36:05 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563677132 Take charge of finance: Yes. Allowance given? Yes. I chose the bank (DBS) myself. guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563677197 Gillian, 20]]> 2020-05-11 01:36:10 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563677197 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563677229 I really enjoy my interactions with OCBC bank so far, they are quite helpful when I have issues with my card
Clive, 19]]> 2020-05-11 01:36:12 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563677229 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563677370 I would love to have the banks to help me plan my finances better in the future of digital banking
Chu Ling, 19

]]> 2020-05-11 01:36:22 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563677370 "I’m too lazy to think about the investments and I don’t have that much money " https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563678128
Felicia, 21]]> 2020-05-11 01:37:14 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563678128 Key considerations in picking bank: widely used, feel more safe, it's convenient as peer-to-peer transfers are carried out more easily guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563678558 Gillian, 20]]> 2020-05-11 01:37:44 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563678558 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563678741 When I look at the bank, I value Customer Service, Rewards and Brand Presence

Gillian, 19]]> 2020-05-11 01:37:57 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563678741 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563679018 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]]> 2020-05-11 01:38:18 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563679018 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563679256 I need something to help me organize all my expenses, because I tend to forget what I need to pay for sometimes

Gillian, 19]]> 2020-05-11 01:38:34 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563679256 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563679486 I like watching dramas, movies, listening to music, and playing games.
wanyue,18]]> 2020-05-11 01:38:47 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563679486 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563679735 I do not really have a conscious habit of tracking my expenses and I would like some help on that
Sze Woon, 20]]> 2020-05-11 01:39:04 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563679735 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563679900 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]]> 2020-05-11 01:39:16 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563679900 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563680234 Perhaps a way banks can help me manage my finances would be to send me a notification whenever I overspend
Sze Woon, 20]]> 2020-05-11 01:39:40 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563680234 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563680370 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]]> 2020-05-11 01:39:50 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563680370 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563681458 My motivation is to get into a good university and be able to pay for it with my own savings.

Gillian, 19]]> 2020-05-11 01:40:54 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563681458 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563681745 My motivation would be to to save up for a graduation trip together with my buddies !
Clive, 19]]> 2020-05-11 01:41:16 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563681745 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563681867 Sometimes I am not willing to change according to the trend.
Wanyue,18]]> 2020-05-11 01:41:23 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563681867 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563682078 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]]> 2020-05-11 01:41:40 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563682078 Importance of brand image: Yes, bank would be benefiting the society and it makes me feel proud to be a consumer with them. guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563682175 Gillian, 20]]> 2020-05-11 01:41:46 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563682175 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563682332 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]]> 2020-05-11 01:41:58 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563682332 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563682976 I need the bank to provide me with better discounts and rebates!

Gillian, 19]]> 2020-05-11 01:42:44 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563682976 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563683225 I need the bank to help me out with my financial planning especially after I graduate.

Gillian, 19]]> 2020-05-11 01:43:01 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563683225 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. guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563683589 Gillian, 20]]> 2020-05-11 01:43:29 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563683589 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563683614 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 ]]> 2020-05-11 01:43:31 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563683614 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684005 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]]> 2020-05-11 01:44:01 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684005 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684059 I find advertisements or telemarketing emails very annoying.

Gillian, 19]]> 2020-05-11 01:44:05 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684059 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684413 I get very satisfied and proud when I am able to fund my own hobbies and spend on things I like.

Gillian, 19]]> 2020-05-11 01:44:33 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684413 Key standout characteristics: National prestige, top notch customer services, the staff were very reassuring. guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684586 Gillian, 20]]> 2020-05-11 01:44:47 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684586 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684783 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]]> 2020-05-11 01:45:02 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684783 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684884 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]]> 2020-05-11 01:45:10 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684884 "offer more promotions like for example 50 cents off when you pay using OCBC Paynow" https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684911
Felicia, 21]]> 2020-05-11 01:45:12 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563684911 "I would prefer doing everything online. " https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563685142
Felicia, 21]]> 2020-05-11 01:45:26 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563685142 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563685452 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]]> 2020-05-11 01:45:51 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563685452 Additional goods and services: loans for overseas universities, a new house. guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563685531 Gillian, 20]]> 2020-05-11 01:45:56 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563685531 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563686009 I do not see banks like OCBC much on Shopee compared to DBS, SC and UOB.

Gillian, 19]]> 2020-05-11 01:46:31 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563686009 Switching of banks: If they offered better loyalties and discount codes, then I might be inclined to give it a go. guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563686357 Gillian, 20]]> 2020-05-11 01:46:49 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563686357 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563686718 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]]> 2020-05-11 01:47:18 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563686718 Cashless/cash: Cashless, simpler and faster. Withdrawing from DBS ATMs always have the longest queues and I am impatient. guytanjh https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563686986 Gillian, 20]]> 2020-05-11 01:47:37 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563686986 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563687134 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]]> 2020-05-11 01:47:47 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563687134 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563687515 I need a virtual platform for me to start practicing investing.

Clive, 19]]> 2020-05-11 01:48:17 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563687515 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563692484 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]]> 2020-05-11 01:54:09 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563692484 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563695545 YouTube. About 1 hour each day.

Instagram and Facebook. 5 min each.

Wanyue, 18

]]> 2020-05-11 01:57:36 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563695545 I spend mostly on Instagram, youtube. Probably about 6hours https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563699453 Enkhlin, 19]]> 2020-05-11 02:02:21 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563699453 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563701661 I would be enticed to switch banks if they offer me higher interest rates than what my current bank offers
Sze Woon, 20]]> 2020-05-11 02:04:44 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563701661 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563702094 Other than an increase in interest rates, I wouldn't really consider switching banks as it is really a hassle
Sze Woon, 20

]]> 2020-05-11 02:05:17 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563702094 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563705024 "have a student package"

Surveyee, 20]]> 2020-05-11 02:07:59 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563705024 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563705186 I dont feel comfortable with sharing my personal information online.

Surveyee, 19]]> 2020-05-11 02:08:10 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563705186 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563706017 The product information online is often insufficient or hard to comprehend.

Surveyee, 20]]> 2020-05-11 02:09:09 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563706017 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563706490 I feel more comfortable with having some form of human assistance when it comes to banking advisory.

Surveyee, 19]]> 2020-05-11 02:09:41 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563706490 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563706688 "It looks empty usually, a livelier atmosphere would make it more appealing."

Surveyee, 20]]> 2020-05-11 02:09:55 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563706688 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563708247 "Have rewards more applicable to teenagers"

Surveyee, 19 ]]> 2020-05-11 02:11:35 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563708247 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563708305 I want to be able to fund my university education by myself.

Surveyee, 18]]> 2020-05-11 02:11:38 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563708305 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563708808 I want to be able to insure myself as well as my loved ones.

Surveyee, 20]]> 2020-05-11 02:12:10 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563708808 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563708893 "Cubicles or private studying area in the bank"

Surveyee, 18]]> 2020-05-11 02:12:16 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563708893 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563709171 I want to start investing but there are limited opportunities out there for me.
Surveyee, 19]]> 2020-05-11 02:12:38 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563709171 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563709419 "have some food area"

Surveyee, 17]]> 2020-05-11 02:12:57 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563709419 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563709569 I need a platform for me to hone my investment skills that is fun and interactive

Surveyee, 19]]> 2020-05-11 02:13:08 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563709569 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563710310 I need better interest rates on my deposits!

Surveyee, 21]]> 2020-05-11 02:13:45 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563710310 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563710428 "have some sort of entertainment rewards posted near the bank."

Surveyee, 18]]> 2020-05-11 02:13:53 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563710428 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563710548 I need the bank to provide me with more incentives and rewards.

Surveyee, 19]]> 2020-05-11 02:14:03 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563710548 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563710831 I need to have a better picture of my finances.

Surveyee, 20]]> 2020-05-11 02:14:26 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563710831 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563711071 "have more media coverage"

Surveyee, 20]]> 2020-05-11 02:14:44 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563711071 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563711147 I like the card designs on the OCBC frank, it makes me feel happy as it is unique.

Surveyee, 18]]> 2020-05-11 02:14:50 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563711147 sphcn02 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563711683 I would like to see a banking app that is easy to use and comprehensive as well as aesthetically pleasing.

Surveyee, 19]]> 2020-05-11 02:15:29 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563711683 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563711987 "open more outlets elsewhere"

Surveyee, 21]]> 2020-05-11 02:15:54 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563711987 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563712313 "Add in cafes"

Surveyee, 20]]> 2020-05-11 02:16:16 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563712313 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563712660 "Promote the purpose of the bank branch"

Surveyee, 19]]> 2020-05-11 02:16:40 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563712660 https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563712868 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]]> 2020-05-11 02:16:57 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563712868 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563713301 "Locate in a more convenient area for university students"

Surveyee, 22]]> 2020-05-11 02:17:30 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563713301 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563714711 "Games and cafes"

Surveyee, 17]]> 2020-05-11 02:19:08 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563714711 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563716525 "more branches nearer to residential areas"

Surveyee, 20]]> 2020-05-11 02:21:06 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563716525 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563718268 "More inviting signs outside"

Surveyee, 18]]> 2020-05-11 02:22:38 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563718268 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563720447 "have more event to promote the outlet."

Surveyee, 23]]> 2020-05-11 02:25:03 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563720447 What would encourage youth to visit OCBC Frank. https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563723246 "less serious, tense environment. Make it cosy"

Surveyee, 21]]> 2020-05-11 02:27:57 UTC https://padlet.com/sphcn02/okiqx8ym7sq3fi13/wish/563723246