Trust Bank reached profitability about 3.5 years after launching in September 2022. CEO Dwaipayan Sadhu credits three things: tackling customer inertia, a legacy-free tech platform, and a referral engine that brings in 70% of new customers. When Trust Bank announced its entry into Singapore’s banking scene four years ago, the key question was clear: how could a new player possibly carve out a profitable niche? Less than four years later, Trust has provided a decisive answer. "We launched the bank in September 2022. We announced our profitability earlier this year. That's around 3.5 years after we started," shares Dwaipayan Sadhu, CEO of Trust Bank. "If you look at the global digital banks, this mainly puts us among the top few in terms of the speed of getting to this milestone." For Dwaipayan, who has led Trust since its founding, this achievement is proof of a robust, repeatable model designed to achieve an ambitious goal....