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Singapore's biggest liberalization 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 authorized to speak to the media.

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Here are the top 9 Christmas Eve dinners.

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Mr Cheo is the son of Cheo Tong Choon, the chairman of a company selling edible oils including palm oil, Mewah International. His older sister is socialite and businesswoman Arissa Cheo, who was married to Taiwanese superstar Vanness Wu, from whom she obtained a divorce in Mr Cheo is well-known for having dated Taiwanese pop diva Elva Hsiao in However, the pair went their separate ways the following year.

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