"We checked for the nearest ATM (automated teller machine) to withdraw cash, thinking that it was just digital services being down, but we reached the machine only to find out that we couldn't withdraw cash either." While Ms Nazrana had just enough to foot the bill using the limited funds in her emergency Oversea-Chinese Banking Corporation (OCBC) bank account, her date came to a grinding halt as the couple could not access their funds in their DBS accounts. "The recent service disruption has definitely changed my opinion on the reliability of e-payments, especially DBS because this is not the first time I've encountered such a disruption from the company," she added.