Nearly two years on, digital banks in Singapore remain unprofitable. What will it take for them to succeed? SINGAPORE: In 2022, Mr Christopher How put his name down on a waiting list for a savings account offered by a new digital bank in town. Curious about the new offering – formed in an unlikely partnership between ride-hailing giant Grab and telco Singtel – Mr How was intrigued by GXS bank. He was impressed when he finally got hold of an account – the app had a sleek interface, was more user-