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When will Singapore DFB (Digital Full Bank) operators start their retail operations?

Anyone knows when will DFB (Digital Full Bank) operators start their retail operations after being awarded the DFB licenses by the MAS (Monetary Authority of Singapore) on 4th December 2020?

Right now, we only know that the DFB was awarded to:

A consortium comprising Grab Holding Inc. and Singapore Telecommunications Ltd.
An entity wholly-owned by Sea Ltd.

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