Blog category
Finance
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Think Like a CEO
Studying how the world's top executives make decisions, you start to notice patterns that have very little to do with industry, company size, or technology stack. What stands…
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Modern Enterprise Risk Management
Risk management in large financial institutions has long been treated as a defensive discipline—something designed to prevent failure rather than enable success. Yet in an…
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Codes, convergence, and where real boards go beyond the rulebook
Corporate governance has evolved from a niche academic topic to a mainstream discipline that shapes how companies create value, manage risk, and earn investor trust. Behind…
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Transparency, Governance and What It Means for a New IPO
Transparency in governance is one of the most defining signals of corporate maturity, especially for companies preparing to enter the public markets. As organisations approach…
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Understanding Corporate Governance in a Changing World
Corporate governance has evolved into one of the most important disciplines in modern organisational life. At its core, governance defines how power is exercised, how decisions…
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Why corporate governance was slow to evolve
Corporate governance is a familiar phrase today, but its rise was surprisingly slow. Although the underlying ideas were understood as early as 1932, when Berle and Means…
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A Letter to Fresh Graduate
Stepping out of university and into the working world can feel like stepping into fog. The path ahead is unclear, rejections feel personal, the job market seems harsh, and…
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Tokenising Money Market Funds — the quiet revolution in short-term cash management
The tokenisation of money market funds (MMFs) has shifted from speculative pilots to a strategic transformation led by the world’s largest asset managers. Firms like BlackRock…
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Why Networking Is an Important Investment for an Enterprise Architect
In the world of enterprise architecture, we often speak in terms of systems, integrations, dependencies, and capabilities. Yet the most defining architecture we build throughout…
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Solve the legacy challenge for banks in ASEAN
Southeast Asia’s banks are at a pivotal juncture, transitioning from decades-old legacy cores to modern platforms built for the digital age. Most banks in the region still run…
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Why It Is So Hard to Sell Core Banking Systems
Convincing a bank to replace its core banking system should be easy in theory. After all, the promise is huge: a safer, more reliable, and compliant engine that could save banks…
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Why Most Businesses Don’t Qualify for Venture Capital Funding
Recently I had dinner with a friend, and she mentioned that she wants to start her own business. I shared my experience that there are really two types of startups: one is the…
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How to Develop Breakthrough Core Banking Products and Services
Banks must develop major innovations to prosper, but they don’t know how to. Many still try to build them with an old producer model. In that model, vendors publish roadmaps…
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Regulatory Frameworks for Core Banking Systems in Southeast Asia
Core banking system vendors entering Southeast Asian markets must navigate a complex web of banking regulations and technology risk guidelines. Each country – Singapore, Vietnam…
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Core Banking Systems Market in China - Vendors, SIs, and Trends
China’s core banking system market is undergoing rapid modernization, driven by the need for internet-scale performance (to support platforms like WeChat Pay and Alipay) and…
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Analysis of Core Banking Market in Australia and New Zealand
The core banking software market in Australia is sizable and expanding at a healthy clip. In 2024, Australia’s core banking software market was about US$480 million, and it is…
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Thailand’s Core Banking Market Trends and Outlook
Thailand’s banking sector is undergoing rapid digital transformation, driving growth in core banking software investments. Core banking software refers to the back-end systems…
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Change Yourself to Become a Better Decision-Maker
In April 2025, the global financial markets were rocked by a sharp and sudden downturn. The S&P 500 plunged nearly 5%—its worst single-day drop in years—while the Dow Jones…
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Lessons from the Smoot-Hawley Act of 1930
As we enter 2025, President Trump's renewed embrace of tariffs has once again sparked fears of economic turmoil. His administration's latest tariff measures—imposing duties as…
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Lessons from Nixon's Shock and Stagflation
In 2025, investors face significant uncertainty due to President Trump's aggressive and unpredictable tariff policies. With tariffs imposed on major trading partners such as…
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The Psychology of Booms, Busts, and the Hardwired Nature of Followers
The cyclical nature of economic booms and busts is well-documented throughout history. Despite repeated lessons, markets continue to experience periods of irrational exuberance…
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Impact of Donald Trump’s Tariff Policy on the Phillips Curve
The Phillips Curve is one of the most fundamental concepts in macroeconomics, illustrating the inverse relationship between inflation and unemployment. Named after economist A.W…
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Impact of Donald Trump's 2025 Tariff Policy on the IS-LM Model
The IS-LM (Investment-Savings & Liquidity preference-Money supply) model is a fundamental macroeconomic tool used to analyze the interaction between the goods market and the…
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The CANSLIM Method for Stock Screening
The CANSLIM method, developed by William O'Neil, is a powerful stock screening and investing strategy designed to identify high-growth stocks before they make significant moves.…
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The Power of Financial Freedom
Many of life’s challenges can be resolved with sufficient financial resources. If you have enough assets, quitting a job that no longer serves you should not be a concern. For…
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Balancing Cybersecurity and User Experience - A Practical Guide for Businesses
In today's digital landscape, businesses are increasingly aware of the critical importance of cybersecurity. Protecting customer data, ensuring compliance, and managing…
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The Role of Cybersecurity in Digital Transformation - Building, Buying, and Balancing Value vs. Cost
As organizations accelerate their digital transformation journeys, cybersecurity has moved from a supporting role to a critical pillar of success. Digital transformation…
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Embracing Failure - The Pathway to Success
“Losing billions of dollars is no big deal.” At first glance, this statement might seem shocking, but it holds a powerful truth about the relationship between risk, failure, and…
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Understanding Data Governance in the Digital Age
In today's rapidly evolving digital landscape, data has emerged as a critical asset for organizations. However, managing this asset effectively requires a structured approach…
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Identifying the Risks Organizations Face - Key Considerations for Risk Governance
In today’s dynamic business environment, risk management is essential for an organization's long-term success. Companies must be equipped to identify, assess, and manage risks…
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Crafting a Balanced Governance Strategy for a Growing Fintech Startup
In the dynamic world of fintech, a purpose-driven governance strategy is essential to uphold an organization’s mission and values while scaling. This involves creating…
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Insights into China's Digital Transformation and Innovation
During my recent study trip to Hangzhou, I had the opportunity to visit several prominent Chinese companies, gaining valuable insights into their innovation practices, strategic…
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The Power of Storytelling in Digital Business Case Development
In today’s fast-paced digital landscape, CxOs are often tasked with justifying large investments in technology to decision-makers. Yet, many struggle to effectively convey the…
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Navigating the Future of Business in the Digital Age
In the fast-evolving landscape of digital transformation, governance is no longer confined to traditional structures. The concept of Digital Governance emerges as a critical…
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Navigating Uncertainty in Digital Transformation
In today's fast-paced and ever-changing business landscape, digital transformation is not just a trend—it's a necessity. However, embarking on a digital transformation journey…
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Enforcing Kubernetes Policies with Gatekeeper
In the rapidly evolving world of cloud-native environments, maintaining security and compliance is paramount. Kubernetes, the leading container orchestration platform, provides…
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The Fundamentals of Support Vector Machines
Support Vector Machines (SVMs) are a fundamental tool in machine learning, renowned for their effectiveness in classification tasks. They can handle linear and nonlinear data…
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Building an RNN with LSTM for Stock Prediction
In this blog post, we will explore the process of building a Recurrent Neural Network (RNN) with Long Short-Term Memory (LSTM) layers to predict the stock price of Nvidia using…
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The Importance of Data Privacy
In an era where the digital landscape is evolving at an unprecedented pace, businesses must continually adapt to maintain a competitive edge. One critical aspect of this…
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The Augmented Dickey—Fuller (ADF) Test for Stationarity
Stationarity is a fundamental concept in statistical analysis and machine learning, particularly when dealing with time series data. In simple terms, a time series is stationary…
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My Journey in Digital Transformation Consulting for the Banking Industry
In the ever-evolving world of banking, digital transformation isn't just an option; it's a necessity. My career as a Solution Architect has centered on guiding top-tier banks…
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ISO 20022 - the Global Standard for Financial Messaging
In the rapidly evolving world of financial technology, the need for standardized and efficient communication between institutions has never been more critical. Enter ISO 20022…
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Navigating the New Landscape of PCI DSS Version 4.0
PCI DSS (Payment Card Industry Data Security Standard) version 4.0, introduced as the latest update to the security standards for card payments, marks a significant leap forward…
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Go To Market (GTM) Strategy
In this blog post, I am writing to compare the Go-to-Market (GTM) strategies of two organizations in the banking industry: the Development Bank of Singapore (DBS) as an…
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Designing Effective Application Architecture for Ethereum
As the world of blockchain technology continues to evolve, Ethereum remains at the forefront, offering a versatile platform for building decentralized applications (DApps). One…
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Zero Knowledge Proofs (zk-SNARKs) - Unveiling the Math Behind DeFi
In the rapidly evolving landscape of blockchain technology, innovations continue to emerge that reshape industries and redefine possibilities. One such innovation that's making…
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Understanding ERC20 Tokens - the Backbone of Fungible Tokens on Ethereum
In the world of blockchain and cryptocurrencies, tokens play a crucial role in representing various assets and functionalities. One popular type of token is the ERC20 token…
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How to Transform Your Idea into an Investment by Crafting an Irresistible Pitch
In the fast-paced world of entrepreneurship, having a groundbreaking idea is only the first step toward building a successful business. To transform that idea into a viable…
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Think and Grow Rich - Book Review
The book I'm going to review is "Think and Grow Rich," written by Napoleon Hill. Reading this book in public might be a bit awkward, not because it's poorly written, but because…
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Product Strategy Recommendations
I recently completed an online course where I learned the frameworks and concepts needed to create compelling and memorable product experiences. I chose to apply this knowledge…
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FinTech Security and Regulation Suggestions
I'd like to offer suggestions for how authorities should handle the application of Virtual Banking in Singapore's financial industry. Given the highly regulated nature of…
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FinTech Security and Regulation
As a FinTech consultant, I am conducting a study on the security and regulation of virtual banking in the US financial sector. The federal and state governments in the United…
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FinTech - Digital Banking Overview and Market Research
In the Asia-Pacific region, large banks face challenges from emerging digital banks. The adoption of digital banking is growing globally, fueled by changing customer…
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Business Strategy Recommendations
I recently took an online course called "Section4 Strategy Sprint." After learning about the strategies that define the most valuable firms worldwide, I am applying this…
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The Lost Message
One night, a WhatsApp message lit up my screen, jolting me awake. Assuming it was an emergency, I was surprised to find that it was just a girl saying hi. "How's life, Victor?"…
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Jobs to Be Done
I'm sure you've experienced this while shopping online. You find a product at an attractive price and decide to purchase it, using internet banking for the payment. However, an…
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Strive for Efficiency and Economy
Given that our society prioritizes efficiency and economy, you're able to read this essay. As national productivity improves, we can dedicate more time to hobbies. Otherwise, we…
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What Money Cannot Buy
"Money isn't everything, but everything needs money," my mother would often say when I was a child. How true is this adage? This principle served as the bedrock of my financial…
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MiFID II — What Is the Impact and What Opportunities Exist for Investors?
MiFID II aims to bring greater transparency and protection for investors across the financial markets. It introduces enhanced protections for all types of investors, from retail…
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What is Blockchain and How is It Used?
Many of my friends have been asking about the emergence of the blockchain revolution. According to recent news, four of the world's largest banks have teamed up to develop a new…
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