The DBS Bank prioritizes the "Business Modularity" Stage and is situated at the highest Enterprise Maturity level. This shows how adaptable and capable the company is of providing the intended value to customers at the appropriate time and place. As new services and products are developed, DBS Bank's adaptable IT infrastructure makes it simple to launch them. Enabling each subsection to function or be modified independently entails disassembling intricate systems. Modular architecture, which enables the bank to swiftly add new features and enhance functionality without completely overhauling the application, is a good example of the approach utilized in DBS Bank's mobile banking app.