SINGAPORE - Shinhan Financial Group Chairman Cho Yong-byoung has vowed to revamp his firm’s business model and create an innovative platform to win a “digital battle” triggered by fintech and other technologies. He believes that a digital strategy - putting services “online and mobile” - will be key to the fate of Shinhan because it will not only help the group protect its leadership in the Korean market but also provide an impetus for its expansion drive in Asia.