and no strategy without execution. Speed: Speed is the only variable separating winners and losers in the final match. Never-ending Change: Existence requires continuous change. Diverse yet United: Top-level organizations are built upon diverse elements working together in tandem. Digital Transformation Hyundai Card “Digital Hyundai Card” is a service provided through smartphone application offering customers with a more convenient and secure way to use a credit card. Digital Hyundai Card Project The Lock service allows users to shut down their card function whenever they want, with a swipe on the credit card app. Limit, on the other hand, can be used to set credit limits for certain time periods. The Virtual Card Numbers prevent card identity theft online by providing users with a set of numbers that can replace the customers’ actual credit card information online. The PayShot makes online shopping easier by simplifying the payment process. Shoppers only need to log into one of seven different online shopping malls when using their Hyundai cards. Chameleon allows the user to have multiple Hyundai cards on one card and select the card with benefits of his choice in Hyundai card application. Buddy is an AI chatbot service that offers real-time counselling on inquiries about Hyundai card. OverseaTranfer is Hyundai card members can wire money to the Hyundai card payment account without registering a bank account number by paying only KRW 3,000 of remittance fee per transaction. Hyundai Card App 3.0 Hyundai Card app 3.0, launched after its renewal, has been designed to maximize user convenience by offering information optimized for respective users. The app is equipped with a "Dual Home" structure, which divides the user's favorite menus into two categories. "Account Home" has adopted a highly legible interface, allowing users to browse their card spending data at a glance, whereas "Content Home" comes up with varied content deemed to be interesting for users after artificial intelligence analyzes their tastes and patterns. Hyundai Card Spending Care by Personetics Hyundai Card deployed an AI-based digital service jointly developed with Personetics, an Israeli fintech company. The developed feature added to the Hyundai Card smartphone app analyzes each customer’s credit card transactions and offers near-real time personalized and proactive spending insights. Branding Space Branding Vinyl & Plastic by Hyundai Card, opened in June 2016, located in Itaewon in Seoul, Korea, boasts curated collections of over 20,000 vinyl LPs and CDs, covering a wide variety of