Meet Dr. Dennis Khoo -
Dr. Dennis Khoo

Dr. Dennis Khoo

MD and Group Head of TMRW Digital Group United Overseas Bank Limited (UOB)


Dr. Dennis Khoo is responsible for the strategy, growth, and delivery of the TMRW digital group in UOB's footprint. This includes the TMRW Digital Bank, Joint-Ventures like and VUI Pte Ltd to build ecosystems to support the growth of TMRW.

Dennis is the chief architect and business owner of UOB’s Millennial digital bank TMRW (, pronounced Tomorrow) in ASEAN, with the first bank launched in Thailand, and a second coming soon.

Dennis is an accomplished senior consumer banker and speaker in innovation and leadership. He has the advantage of experience in both Information Technology and Banking, which provides a unique vantage point in crafting a banking strategy for a digital world.

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 Ph.D. in Business Administration from the University of Western Australia.

He was formerly Head of the Group Retail transformation office, where he drove transformational initiatives across the retail bank in Customer Experience, Wealth Productivity, Business Banking, and Private Banking and Digital Bank and Banking.

Dennis has been responsible for many of the innovations in the consumer banking industry in Singapore, such as e$aver, XtraSaver, Retail Bonds, Step-up TD, Pay-Any-Card, Breakthrough marketing campaigns like 15% Dining cashback everywhere, 2-day Mortgage Service Guarantee, UOB Income Builder, One Account, Mighty App, Next day online credit card service guarantee, Winner of Asian Banker best deposit linked account, Winner of Global Finance best online bank, etc.

Dennis is a keen student of Leadership, Innovation, and Strategy, and has participated in many discussions, panels and talks on these subject matters. Dennis is a certified Gallup Strengths Coach and was awarded the IBF Distinguished Fellow Award in 2012. The IBF Distinguished Fellow is the epitome of professional status and the highest certification mark for a financial practitioner in Singapore under the IBF Standards.

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