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Singapore's biggest liberalisation of its banking sector in two decades seeks to enable online-only banks that can operate at lower costs and therefore offer different services than those of incumbents including DBS Group and OCBC. This is necessitating bidders to team up to combine banking know-how, consumer facing technology expertise and deep pockets. Many firms are locked in last-minute negotiations to meet the year-end deadline for bidding, said the sources who were not authorised to speak to the media.

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Although we're both based in London, the chances of us meeting by other means were slim

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