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      "text": "The next stage in SCB's journey to reinvention is to become a \"fintech business group\"—a technology company that provides customer-centric services, including banking.",
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      "text": "Consider Siam Commercial Bank (SCB). The SCB Transformation Program focused on developing the company's technology infrastructure and capabilities to create the foundation for SCB to become a digital bank. The company replaced legacy applications and migrated to a new cloud-based data lake. A digital factory was set up to develop the bank's app and new digital stack. This enabled the bank to grow its digital app user base to more than 13 million users in 2022, up from 2.5 million prior to the transformation program.",
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      "text": "Restructured into a new entity, SCBx, the firm intends to leverage its customer base across platforms to expand its reach to 200 million people. The company is investing in new technologies, including blockchain, metaverse and Web 3.0.",
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      "text": "While many executives acknowledge that technology plays a critical role in reinvention, the ability to use technology as an execution enabler is a differentiating characteristic of Reinventors. Our survey found 39% of Reinventors say technology is a significant enabler in executing their reinvention, compared with just 21% of Transformers and 3% of Optimizers (see Figure 8).",
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