During the 2025 AI & Innovation Forum Global Finance spoke with Nimish Panchmatia, Chief Data & Transformation Officer at DBS, who shared deep insights into the bank’s long-term AI journey — and what it truly takes to turn artificial intelligence into real business value. Nimish discusses DBS’s mission to become an AI-enabled bank with a heart. He describes how the bank applies AI responsibly and humanely — always prioritising the experience of customers, employees, and stakeholders.