core issue in frank by ocbc singapore case study In 2010, Jin Kang Zwicky, the vice president of Oversea-Chinese Banking Corporation Limited (OCBC Bank)s Experience Design & Group Customer Experience division, and her team conducted ethnographical studies to understand the concerns of millennials students to young working adults. They applied design thinking methodology to the banks processes to uncover the underlying needs of the banks customers. Their aim was to design user-centred services to help millennials become confident and capable of making strong financial decisions (Paperny, 2015). The outcome of the research and prototyping exercise was FRANK by OCBC designed with core values of delivering simple, stylish and meaningful banking experience..