My opinion about PBB is that it holds onto the old school mentality and has never fully embrace digital transformation at its best.

This is particularly demonstrated from their mobile app as they are unwilling to put in more effort on improving the app to capture younger generations market. Look at Maybank, yes they are not that effective via OTC at some branches but they are smart to know it’s a digital era in which banking can be done easily via a mobile app. Come on PBB, learn from your competitors.

Initially thought of buying on the dip like now but their old generation business model got me to think twice before cashing in again.