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(Disruptor)!,, -… ··....?,, - ‘ vs ’.? DBS? JP?. ‘?’ ‘2025 ’. vs.? 3,,..,, (,, ).,,.. (), () (). ‘ ’..,,.,,,., AI., N,. ‘?’,.! 3.0 4.0 2019 6 ‘’.,.. 1 (ECD) 6 ‘ ’......, ‘ 1.0’, ‘ 2.0’, ‘ 3.0’. 3.0.., ‘ 4.0’. DBS CEO. “ ‘... ’2025 ‘. IT, FinTech(Finance Technology ).. ―22 1.. ‘×AI’. ―30 ‘’. ‘ ’. IT.,,, SNS,, AI, IoT, RPA ( ),,...,,,. DNA. ‘ ’. ―99,..? (…),.. ―128~129.,,. (…) ‘ ’... (…).. ‘ ’, ‘ ’. ‘ ( ) ’. ‘ ’. ―192~194.,.,.,, 3 ().,.,. ―298?..,.. ‘ ’ ‘ ’.... DBS. ―302