Dr Dennis Khoo

Managing Partner
allDigitalfuture LLP

IBF Distinguished Fellow (2012)

Wealth Management

"As a firm believer in continuous learning and lifelong skills development, I think it is important for finance practitioners to keep their knowledge and skills current with industry and regulatory developments. IBF is committed to helping practitioners continue to develop professionally and plays a vital role in maintaining standards of excellence in the local financial sector."


Dennis is an accomplished digital business leader and speaker in innovation and leadership. Armed with dual experience in Information Technology and Banking, he has a unique advantage in developing and executing strategies for the transformation of businesses in a digital world.

Dennis was a senior banker who had previously run billion dollar businesses as head of consumer bank for Standard Chartered Bank and UOB in Singapore. He was responsible for many of the innovations in the consumer banking industry in Singapore, such as e$aver, XtraSaver (Winner of Asian Banker Best Deposit Linked account in 2007), Retail Bonds, Step-up time deposit, Pay-Any-Card (Winner of Asian Banker Best Payment Product in 2011), 15% Dining Cashback everywhere, 2-day Mortgage Service Guarantee, UOB Income Builder, One Account and UOB Mighty App.

A digital bank pioneer in ASEAN, Dennis was global head of TMRW Digital Group (UOB’s Millennial digital bank), where he was responsible for the strategy, growth and delivery of the TMRW Digital Bank. The first TMRW Digital Bank ( www.tmrwbyuob.com ) went live in Thailand in 2019, and the second in Indonesia in 2020. TMRW won Global Finance Most Innovative Digital Bank in Asia Pacific in 2019. Dennis also led the joint venture initiatives into Fintechs like Avatec.ai and VUI Pte Ltd as part of the ecosystem to support the growth of TMRW.

Dennis was previously CEO-Designate in one of the consortiums bidding for the digital bank wholesale licence in Singapore.

Dennis is a WABC (Worldwide Association of Business Coaches) Registered Corporate Coach, a certified Gallup Strengths coach, and accredited in Harrison Assessment Employee Development. Dennis has mentored and coached many successful executives in his long career.

Dennis is a sought after lecturer and trainer, and is involved in the LYT program at the NUS School of Business MBA and the Enterprise Leadership Training for SMEs in collaboration with NUS and the LinHart Group. He has also taught the Corporate Strategy course for the NUS MBA program as adjunct Professor.

Dennis holds a degree in Engineering and a Masters in Business Administration from the National University of Singapore. He also has a Masters in Business Research and a PhD in Business Administration from the University of Western Australia. Dennis was awarded a Doctor of Philosophy for his work in international business which broke new ground in the understanding that firm specific advantages drive performance and internationalisation is a moderating factor and not a driver of firm performance.