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Melvyn Low
Group Chief Strategy & Transformation Officer
OCBC
Mr Melvyn Low was appointed Group Chief Strategy and Transformation Officer on 10 November 2025. In this role, he drives the OCBC Group’s long-term strategic roadmap, focusing on futureproofing the Group’s businesses and identifying new growth engines. Concurrently, Mr Low oversees the Global Transaction Banking business globally, a role he has held since 2018.
He is an industry veteran with more than 30 years of experience and has held senior positions in cash management, trade and securities services in regional and global banks. In the Singapore banking industry, he serves as the Co-Chair of the Digital Standing Committee for the Association of Banks in Singapore and Chairman of the Permanent Committee for Cooperation in Finance, Investment, Trade and Technology for the ASEAN Bankers Association. He also represents the Bank as a board member of Network for Electronic Transfers (Singapore) and the Singapore Trade Data Exchange (SGTraDex).
Mr Low is an IBF Distinguished Fellow and holds a Master of Business Administration from the University of British Columbia, Canada.
Speaking at SFF 2026
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1:30–2:10pmWed 18 NovFutureMatters StageHall 5, Singapore EXPOPremium
Technology Rewiring
How Can Agentic AI Create a Commercial and Competitive Advantage?
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Himal MakwanaGlobal Head of Corporate & AI StrategyFIS
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Melvyn LowGroup Chief Strategy & Transformation OfficerOCBC
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Derrick GohGroup Chief Operating OfficerDBS
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Pat PatelChief Executive Officer, USA, LATAM, Middle East & Africa; Co-CEO, GFTN ConnectionsGlobal Finance & Technology Network (GFTN)Moderator
About this session
As AI capabilities become more widely available, financial institutions face a harder question: what will make their use of the technology difficult to replicate? Access to models alone offers little assurance of lasting differentiation.
Where can agentic AI generate additional revenue, improve pricing or make previously uneconomical services viable? Does advantage come from proprietary data, distribution, partnerships or the ability to redesign a business proposition?
This conversation examines which strategic choices could create defensible value, and what evidence would justify committing capital to them. -
