Juthatip Sutticherchart has been an executive in the banking industry with over 28 years of work experience in the U.S., Singapore, Hong Kong, and Thailand. With an extensive client coverage background, she is a Ph.D. candidate in Management at the College of Management, Mahidol University, focusing on understanding the factors that influence both corporate and consumer acceptance of digital banking tools. She is exploring how banks can effectively integrate new technologies to enhance their competitiveness. She aims to provide actionable insights that will help banking institutions navigate the challenges of digital transformation and improve their service delivery in an increasingly tech-driven environment.