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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 frameworks for decision-making, risk management, accountability, and stakeholder engagement. For startups operating in the sustainability space, building robust governance is crucial for safeguarding their reputation, ensuring compliance with evolving regulations, and enhancing transparency in operations and impact reporting.

Purpose of a Governance Strategy

A flexible yet robust governance strategy supports growth while aligning with the company’s mission to drive positive environmental and social impacts. Key objectives include:

1. Guiding Ethical Decision-Making: Align business practices with the company’s goal of contributing positively to the environment and society.
2. Ensuring Regulatory Compliance: Keep up with local and international sustainability and data protection regulations.
3. Supporting Strategic Growth: Implement agile decision-making processes that enable rapid expansion, product innovation, and cross-border partnerships.
4. Enhancing Transparency and Accountability: Establish mechanisms for impact tracking, reporting, and verification to communicate outcomes accurately.
5. Mitigating Risks: Identify and manage operational, reputational, and legal risks when scaling into new markets.

Governance Structure & Committees

An effective governance structure should include a diverse board with expertise in venture capital, sustainability, technology, and financial management. Key committees can include:

• Audit & Risk Committee: Focuses on financial integrity and managing project-related risks.
• Sustainability & Ethics Committee: Ensures alignment with ESG goals and oversees ethics in impact reporting.
• Technology & Innovation Committee: Oversees technology integration, platform integrity, and security.

Core committees might comprise:

• Executive Steering Committee: Focuses on strategy and vision.
• Risk & Compliance Committee: Manages regulatory and ESG compliance.
• Impact Advisory Board: Provides sustainability oversight.

Key Governance Focus Areas

1. Strategy & Growth: Align governance to support operational growth while maintaining the integrity of sustainability initiatives.
2. Risk & Compliance: Establish a robust framework to manage risks related to project authenticity, regulatory compliance, and impact reporting.
3. Impact Validation: Use data-backed verification of impact claims through independent reviews and audits.

Adopting a Balanced Governance Approach

• Governance Policies: Focus on compliance-driven, scalable policies that adapt to key regulations like GDPR and ESG standards.
• Ethical Guidelines: Promote transparency, integrity, and accountability in all business operations.
• Impact Assurance: Implement third-party verification to validate sustainability claims.
• Governance Processes: Avoid excessive bureaucracy while maximizing impact, with monthly strategic reviews and agile decision-making to adapt to new opportunities.
• Data & Impact Reporting: Ensure real-time transparency to build credibility with partners, investors, and customers.

Justification for the Governance Approach

The governance strategy balances financial goals with customer satisfaction, internal process efficiency, and organizational learning. Key justifications for this approach include:

• Balanced Focus: A balanced scorecard approach helps address both financial objectives and customer-centric goals.
• Risk Management: Implement governance structures focusing on risk oversight to comply with regulations and build investor confidence.
• Agility: Design governance to support rapid decision-making while maintaining essential checks and balances.
• Stakeholder Engagement: Include independent, non-executive directors to ensure diverse perspectives, reducing the risk of governance being controlled by specific shareholders.
• Scalability: The model is adaptable for startups and can scale as operations expand.
• Flexibility: Avoid "over-governance" that could hinder innovation.
• Transparency: Build trust with investors and customers through open, credible communication.

S.I.M.P.L.E. Framework: The Foundation of Effective Governance

The governance strategy can be summarized using the S.I.M.P.L.E. Framework:

• Sustaining: Maintain transparency and accountability as the company grows.
• Innovative: Enable quick pivots and adaptive strategies for market changes.
• Mindful: Keep the company’s mission and values at the forefront of decision-making.
• Purposeful: Drive towards meaningful impacts on society and the environment.
• Legitimate: Ensure all claims and operations are backed by verified data and compliance with regulations.
• Empowering: Foster a culture of accountability and enable stakeholders to participate in strategic growth.

Conclusion

A balanced and adaptable governance strategy is vital for fintech startups aiming for rapid growth while maintaining their mission-driven approach. It ensures transparency, compliance, and ethical practices without stifling innovation. By balancing oversight with agility, organizations can successfully navigate the complexities of today’s business environment and achieve sustained growth.

打造充實又有意義嘅職業生涯

女士們先生們，歡迎返嚟我哋嘅頻道！今日，我有一個嘅話題要同大家分享——點樣建立一個充實又有意義嘅職業生涯。

今次呢，係來自哈佛商業評論嘅 HBR Work Smart 系列嗰本超級啟發人心嘅書——《經驗、機會與職業發展》。我哋會探討裡面嘅關鍵見解同實用建議，幫你駕馭職業道路上面嘅崎嶇。準備好未？即刻開始啦！

第一步：自我評估。

認識自己係非常重要嘅。書中強調需要深度自省，以發現你嘅價值觀、激情同目標。我哋唔係淨係講技能，仲有揸住你向前行嘅動力同你堅守嘅原則。築好呢個堅實嘅基礎，可以幫你為做出充實嘅職業選擇鋪平道路。

跟住，我哋講下職業靈活性。線性嘅職業道路早已唔再適用。

書中引入咗一個創新概念——「職業組合」，即係一個技能、經驗同角色嘅多元化集合。透過擁抱適應性並承諾持續學習，隨著機會同個人興趣嘅發展，你可以靈活轉變。呢個唔單止係關於生存，而係要喺不斷變化嘅職業環境中蓬勃發展。

有意識嘅職業建設係絕對關鍵嘅。

書中提供咗制定慎重選擇嘅策略，例如挑戰性任務，讓你拓展專業知識，並有效利用你嘅職業網絡。呢啲有意識嘅步驟可以幫助你實現最終嘅職業目標。

冇一個職業係無障礙嘅。

書中提供咗應對職業變動，處理困難同事同保持工作心理健康嘅實用建議。彈性同堅韌被強調為必要嘅素質。挑戰唔係路障，而係成長同學習嘅機會。

最後，呢本書充滿實用指導。

從真實故事到專家建議同可操作步驟，呢個資源幫助你做出可以即時融入你嘅職業規劃嘅明智決策。

總結一下，《經驗、機會與職業發展》唔單止係一本指南——係一個完整嘅工具包，幫你打造一個唔單滿足財務需求，仲深度契合你嘅個人價值觀同抱負嘅職業生涯。

強力提示？認識自我評估嘅重要性，擁抱職業靈活性，有意識咁規劃行動，以堅韌克服挑戰，同埋應用實用嘅建議。咁樣，你就可以開創出一條充實且以成長為導向嘅職業道路。

多謝你哋嘅收睇，祝你哋嘅職業旅程滿載而歸！如果覺得呢個視頻有啟發，唔好唔記得點贊、分享同訂閱更多職業建設嘅技巧同建議。

下次見！

為成長中的金融科技初創公司打造平衡的治理策略

在快速變化的金融科技領域，一個以目標為導向的治理策略至關重要，因為它能在擴展的同時維護組織的使命與價值觀。這需要創建一個決策框架，包括風險管理、問責機制以及利益相關者的參與。對於以可持續性為核心的初創企業來說，構建健全的治理結構對於保護聲譽、確保遵守不斷變化的法規，以及提高運營和影響報告的透明度是至關重要的。

治理策略的目標

一個靈活且健全的治理策略能在支持公司增長的同時，與推動正面環境和社會影響的使命保持一致。其主要目標包括： 1. 指導道德決策： 將商業實踐與公司對環境和社會的正面貢獻目標對齊。 2. 確保合規性： 跟進本地和國際的可持續性及數據保護法規。 3. 支持戰略增長： 實施靈活的決策過程，以支持快速擴展、產品創新和跨境合作。 4. 提升透明度和問責制： 建立影響追踪、報告和驗證機制，準確傳遞成果。 5. 風險管理： 識別和管理在新市場擴展中的運營、聲譽和法律風險。

治理結構與委員會

有效的治理結構應包括一個具備風險投資、可持續性、技術及財務管理專長的多元化董事會。關鍵的委員會包括： - 審計與風險委員會： 聚焦於財務完整性及項目相關風險管理。 - 可持續性與道德委員會： 確保與環境、社會和治理（ESG）目標的一致性，並監督影響報告的道德性。 - 技術與創新委員會： 監督技術整合、平台完整性及安全性。

核心委員會可能包括： - 執行指導委員會： 專注於戰略與願景。 - 風險與合規委員會： 管理法規與ESG合規性。 - 影響諮詢委員會： 提供可持續性的監督。

治理的重點領域

1. 戰略與增長： 調整治理以支持運營增長，同時保持可持續性倡議的完整性。
2. 風險與合規： 建立健全的框架以管理項目真實性、法規合規性及影響報告相關的風險。
3. 影響驗證： 通過獨立審查和審計來使用數據支持的影響驗證。

採用平衡的治理方法

• 治理政策： 專注於適應主要法規（如GDPR和ESG標準）的合規驅動且可擴展的政策。
• 道德準則： 在所有業務運營中推廣透明性、完整性與問責制。
• 影響保證： 實施第三方驗證以驗證可持續性聲明。
• 治理流程： 避免過多的官僚作風，並以月度戰略審查和靈活決策為基礎，抓住新機會。
• 數據與影響報告： 確保實時透明性以建立與合作夥伴、投資者及客戶的信任。

治理方法的合理性

該治理策略在財務目標、客戶滿意度、內部流程效率和組織學習之間取得平衡。其關鍵合理性包括： - 平衡重點： 平衡計分卡方法有助於同時解決財務目標和以客戶為中心的目標。 - 風險管理： 通過專注於風險監督的治理結構來遵守法規並建立投資者信心。 - 靈活性： 設計治理以支持快速決策，同時保持必要的制衡。 - 利益相關者參與： 包括獨立的非執行董事以確保多樣化觀點，降低治理被特定股東控制的風險。 - 可擴展性： 該模型適用於初創公司，並能隨著業務擴展進行調整。 - 靈活性： 避免過度治理以免阻礙創新。 - 透明度： 通過公開、可信的溝通與投資者和客戶建立信任。

S.I.M.P.L.E. 框架：有效治理的基礎

該治理策略可用 S.I.M.P.L.E. 框架進行總結： - Sustaining（持續）： 在公司增長過程中保持透明和問責制。 - Innovative（創新）： 針對市場變化快速調整策略。 - Mindful（專注）： 在決策中始終將公司的使命和價值觀放在首位。 - Purposeful（有目標）： 對社會和環境產生有意義的影響。 - Legitimate（合法性）： 確保所有聲明和運營均以經過驗證的數據和法規合規性為基礎。 - Empowering（賦權）： 培養問責文化，並讓利益相關者參與戰略增長。

結論

一個平衡且靈活的治理策略對於致力於快速增長的金融科技初創公司至關重要，能夠確保透明性、合規性和道德實踐，而不阻礙創新。通過在監督與靈活性之間取得平衡，企業能成功應對當今商業環境的複雜性，並實現可持續增長。

如何喺變化快速嘅世界中茁壯成長

大家好，歡迎回到我哋嘅頻道！今日我哋要同大家深入探討一本好有趣嘅書，呢本書為我哋提供咗一種新嘅視角，講俾我哋知點樣喺呢個變化好快嘅世界中茁壯成長。呢本書嘅書名係《個人時代 - 不能只是去做 重點是你「想」點樣做！》，作者係宋吉永。英文書名可以翻譯成《The Personal Age - It's Not Just About Doing; It's About How You Want to Do It!》。相信我，真係一本好吸引嘅書。

喺呢個以個人為中心嘅時代，個人品牌同埋獨特貢獻變得好重要。等我哋一齊嚟剖析一下呢本引人深思嘅書入面嘅幾個關鍵見解。

我哋而家生活喺一個個人時代，一個越來越圍繞個人為中心嘅社會。喺呢個環境下，你嘅個人品牌同埋獨特貢獻變得非常重要。但係呢，唔係淨係要做多啲嘢，而係要有意識、有策略咁去諗我哋為乜嘢、同埋點樣行動。

世界正以前所未有嘅速度變化，舊有嘅工作同社會模式都被顛覆晒。呢本書強調咗具備前瞻性思維同適應能力嘅關鍵重要性。

其中一個重要收穫就係個人品牌嘅重要性。你嘅獨特技能、經驗同觀點係你最有價值嘅資產。培養強大嘅個人品牌比你喺呢個愈發擁擠同競爭激烈嘅社會中脫穎而出。

由於技術進步同社會變遷，工作的本質都發生咗巨大變化。傳統嘅工作角色被重新定義。想要茁壯成長，我哋必須擁抱持續學習同適應嘅心態。

呢意味着我哋唔僅要喺當前領域中表現出色，仲要熟練掌握同利用新技術同方法。

宋吉永仲強調咗將理性方法同個人經驗結合嘅必要性。呢種協同作用使我哋可以做出同我哋目標同價值觀一致嘅明智抉擇。

通過批判同策略性思考，我哋可以規劃一條成功又充實嘅道路。

我哋要問自己：我哋如何利用自己嘅獨特優勢對世界作出有意義嘅貢獻？我哋可以利用咩嘅數據同見解嚟指導我哋嘅行動？我哋如何喺變革面前保持適應性同韌性？

呢啲都係我哋喺前進過程中必須思考嘅問題。

總而言之，《個人時代 - 不能只是去做 重點是你「想」點樣做！》鼓勵我哋超越僅僅行動，走向有意識、策略性同深思熟慮地同世界互動。

通過專注於個人品牌，適應技術同社會變遷，並將理性同個人經驗結合，我哋可以構建一個成功且充實嘅生活。

喺今日結束之前，讓我哋記住，喺呢個個人時代，唔僅係我哋做咩，而係我哋點樣做同為乜嘢而做。我哋嘅意識同策略性思考將會成為指引我哋駕馭現代世界複雜性嘅明燈。

多謝大家收睇！如果你覺得呢段影片對你有啟發，記得俾個讚同訂閱我哋嘅頻道，攞更多類似嘅內容。下次再見，保持有意識，繼續茁壯成長！

通向財務自由之路

大家好呀！歡迎返嚟我哋個頻道，我哋會深入探討財務自由同智慧理財嘅話題。今日我哋要探討一個非常合適而且對我哋財務健康好重要嘅話題——點樣通過被動收入嚟實現財務獨立。呢個靈感來自Rachel Richards嘅深度書籍《被動收入、積極退休》（Passive Income, Aggressive Retirement）。

咁，Rachel Richards嘅信息精髓係咩呢？其實可以用一句話嚟講：多元化係關鍵。係呀，朋友哋，淨係靠傳統退休儲蓄嘅日子已經過咗。不如創造多種收入來源，咁樣可以畀你更穩固嘅財務基礎。

Rachel列舉咗好多種被動收入來源，例如係房地產投資、股息股票、在線業務同版稅。最正嘅係，佢話你其實唔需要成為專家先可以開始。只要將投資分散去唔同來源，你就可以有效減少風險，增強你嘅財務穩定性。

但Rachel唔單止講呢啲。佢仲分享咗自己實現財務獨立嘅個人經歷，仲有好多實用嘅節儉建議。係呀，量入為出好重要。呢個簡單原則係任何成功財務策略嘅基石。通過最小化唔必要嘅開支，你可以釋放更多嘅資金去投資你嘅被動收入項目。

而家，講下計劃同教育。財務獨立唔係一夜之間可以達成嘅。呢樣需要周密嘅計劃同持續學習嘅承諾。呢段旅程要求我哋主動管理投資，不斷睇市場趨勢，適應金融環境嘅變化。

Rachel本書最引人注目嘅係佢激勵人心嘅語氣。佢話畀我哋聽，財務獨立唔係遙不可及嘅夢想，唔係淨係屬於少數人。無論你而家嘅就業狀況或者財務情況如何，建立被動收入來源係可以實現嘅目標。只要有正確嘅心態同工具，你就可以開始鋪設通向積極同早期退休嘅道路。

總結一下，《被動收入、積極退休》係一本激勵同實用嘅指南。佢挑戰傳統嘅退休計劃，同時提供咗通向財務獨立嘅路線圖，其基礎係多元化、節儉同持續學習。喺我哋導航自己嘅財務旅程時，記住分散風險、明智管理生活方式同保持對投資選擇嘅教育嘅重要性。

多謝大家收睇！記得畀個讚、訂閱我哋嘅頻道，咁樣你就唔會錯過任何更新。希望你嘅財務自由之路繁榮而充實。下次見啦，繼續投資你嘅未來啦！

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 challenges, and the rapidly evolving business landscape in China. The fourth day of the trip was particularly insightful as it provided a comprehensive understanding of how Chinese companies are navigating the digital transformation journey across various industries.

Geely Holding Group Co., Ltd.: Pioneering the Future of Mobility

Our visit to Geely Holding Group was eye-opening, showcasing how a traditional car manufacturer is transitioning into a tech-driven mobility company. Established in 1986, Geely entered the automotive industry in 1998 and has since evolved into a global player with a diversified brand portfolio, including Geely Auto, Lynk & Co, Zeekr, and Volvo Cars. Their emphasis on sustainable technologies, electric vehicles (EVs), and autonomous driving signifies a bold shift toward a future where car ownership may decline, giving way to shared mobility services.

Key Takeaways:

• Innovation Leadership: Geely is pioneering the transition from gasoline-powered vehicles to electric, hybrid, and methanol-powered models. They are not just adapting to market trends but are setting them, particularly in autonomous driving and in-house chip development with their proprietary StarEagle chip.
• People and Culture: The company has established universities to address talent shortages and is actively engaged in corporate social responsibility (CSR) initiatives, like the Blue Guardian Project. This reflects Geely's dedication to cultivating an ecosystem that fosters innovation and social impact.
• Future of Mobility: A major highlight was Geely's belief that the future of car ownership will transform into car-sharing services. This shift in focus will not only change their customer base from individual consumers to service providers but will also require a different approach to product development and marketing.

My reflection on Geely's approach underscores the importance of adaptability and foresight in the automotive industry. As the market evolves, so must the strategies companies use to remain competitive and relevant.

Anheng Information Technology Co., Ltd.: Shaping the Future of Cybersecurity

Our next stop was Anheng Information Technology (DAS-Security), a leading cybersecurity firm in China. DAS provides a wide range of solutions, including cloud security, penetration testing, and AI-driven security operations. They hold a substantial market share in government cybersecurity within China, emphasizing the critical role of cybersecurity in the digital age.

Key Takeaways:

• AI-Driven Security: DAS employs artificial intelligence to reduce alarm noise, streamline threat detection, and enable smart decision-making. Their AI-based Heng-Nao Security Large Model is particularly effective in identifying weak-feature attacks, a testament to their technological prowess.
• Market Challenges: Despite its domestic success, DAS faces significant hurdles in expanding internationally. Regulatory compliance, market perception, and competition with established US-based cybersecurity providers are key obstacles to their global ambitions.
• Customized Solutions: DAS's emphasis on customizing solutions based on deep client engagement, particularly for government and enterprise clients in China, highlights their customer-centric approach. This strategy is crucial in a market where security needs vary significantly across different sectors.

This visit brought to light the complexity of cybersecurity in a global context. As companies like DAS strive to expand internationally, they must navigate diverse regulatory environments and overcome market skepticism, particularly concerning data privacy and the quality of Chinese products.

New H3C Technologies Co., Ltd.: Enabling Digital Transformation

H3C Technologies impressed us with its global leadership in digital solutions and infrastructure. Originally a joint venture between Huawei and 3Com, H3C has become a key player in AI-driven solutions, digital infrastructure, and smart technologies. Their "AI in all" strategy underscores the central role artificial intelligence plays in their product offerings.

Key Takeaways:

• AI-Driven Solutions: H3C integrates AI into various aspects of their products, from smart factory solutions that use robotics and high-resolution CCTV for live monitoring to smart classrooms equipped with AI-driven technologies. Their focus on AI-driven digital infrastructure demonstrates how AI is becoming the backbone of digital transformation.
• Brand Awareness: A significant challenge H3C faces is building brand awareness in markets like Singapore. To expand globally without relying on third-party vendors, H3C must establish its value chain and provide direct customer support outside China.
• People Practices: H3C fosters a highly innovative workforce, encouraging employees to adopt a "Navigator" mindset that emphasizes continuous learning, innovation, and customer-centricity. This cultural approach reinforces the company's commitment to shaping the digital future.

H3C's journey illustrates the importance of aligning technological innovation with strategic market expansion. For companies seeking to compete globally, having a clear value proposition and direct engagement with customers is vital.

Hangzhou Qulian Technology Co., Ltd.: Revolutionizing Data Management with Blockchain

Our final company visit was to Hangzhou Qulian Technology, a leading blockchain technology provider in China. Qulian specializes in developing enterprise-level blockchain platforms for industries such as finance, supply chain, and smart cities.

Key Takeaways:

• Blockchain Solutions: Qulian's blockchain platforms enable secure, decentralized data management, improving transparency, efficiency, and trust in various digital ecosystems. Their innovative use cases in finance and supply chain management highlight the transformative potential of blockchain technology.
• Challenges: Despite the promise of blockchain, Qulian faces challenges related to scalability, performance, and regulatory uncertainties. Overcoming industry skepticism and educating stakeholders about the benefits of blockchain are essential for widespread adoption.
• Government Alignment: The company's close relationship with the Chinese government facilitates navigating complex regulatory landscapes. However, it also raises questions about how such an approach might translate to other regions like Singapore.

This visit reaffirmed blockchain's potential to revolutionize various industries. However, for companies like Qulian, the journey toward global adoption will require careful navigation of regulatory environments, technological challenges, and market perceptions.

Final Reflections

The study trip to Hangzhou provided an in-depth understanding of how Chinese companies are driving innovation and tackling the challenges of digital transformation. Geely, DAS-Security, H3C Technologies, and Qulian Technology each represent different facets of this transformation—from mobility and cybersecurity to digital infrastructure and blockchain.

A common thread across these companies is their emphasis on in-house technology development, strategic partnerships, and the need to adapt to changing market dynamics. These insights highlight that in a rapidly evolving business landscape, agility, technological innovation, and customer-centric strategies are key to success.

The experiences and learning points from this trip will undoubtedly influence my perspective on digital transformation and how companies can strategically position themselves in a competitive global market.

探索大腦學習秘訣

"嘿，大家好，歡迎返嚟我嘅頻道！今次，我哋會探討一個好有趣又好重要嘅話題——我哋嘅大腦點樣學習嘢。我哋會深入研究斯塔尼斯拉斯·德哈內嗰本書《我們如何學習：為什麼大腦比任何機器都學得更好……目前為止》嘅見解。如果你對高效學習有興趣，想揭開背後嘅神經科學，咁就繼續睇落去，呢條影片就係為你準備嘅！

首先，講吓注意力。可以將注意力睇成學習嘅閘門。我哋嘅大腦需要專注喺特定嘅信息上，同時過濾啲干擾。斯塔尼斯拉斯·德哈內指出，我哋喺完全投入到某項任務或者主題時，學嘢會特別好。

咁，我哋應該喺教育環境中點樣用呢個道理呢？例如，動態節奏和多感官參與呢啲技巧，可以大大提升注意力。對於教育者嚟講，關鍵係要開發啲策略，能夠抓住並維持學生嘅注意力。學習應該係充滿活力同吸引人嘅！

第二個要素係積極參與。學習唔係純粹被動咁吸收信息，而係要積極參與其中。德哈內強調咗以問題為基礎嘅學習、動手活動同互動討論嘅力量。

不如想像一下，一個學生唔再只係信息嘅接受者，而係積極參與者，不斷探索、質疑和發現。咁樣嘅學習方式，可以激發佢哋對知識嘅好奇心，同深入理解所學到嘅材料。

接住，就係錯誤反饋。學習嘅一個重要部分係接受錯誤。德哈內強調咗建設性反饋循環嘅重要性。錯誤應該被視為成長嘅機會，而唔係失敗。

創造一個錯誤唔再被恐懼，而係被欣然接受成為掌握知識嘅墊腳石嘅學習環境，可以培養韌性同對學習嘅積極態度。

最後一個要素係鞏固——將短期成果轉變為長期知識嘅過程。根據德哈內嘅說法，呢個過程係包括反复練習同睡眠喺強化同抽象學習信息中嘅關鍵作用。

持續嘅練習，加上充足嘅休息，確保學習成為我哋認知工具箱嘅一部分。呢個提醒咗我哋，有時休息同努力工作同樣重要。

所以，通過將呢四個學習支柱——注意力、積極參與、錯誤反饋同鞏固——融入我哋嘅教育實踐中，我哋可以改變我哋教導同學習方式。德哈內嘅見解提供咗一個強有力嘅藍圖，使我哋嘅教學方法同大腦嘅自然傾向對齊。

讓我哋憧憬一個充滿活力嘅教室，錯誤被慶祝，注意力被巧妙引導，同尊重睡眠作為學習過程一部分嘅教育系統。呢個唔係一個夢想，而係一個可以實現嘅現實。一起嚟創造一個最佳學習嘅環境。

多謝大家今日收睇！如果你覺得呢條影片有幫助，唔好忘記點贊、訂閱同打開通知鈴鐺，了解更多有關學習科學嘅見解。下次見！"

中國數位轉型與創新見解

在我最近前往杭州的學習之旅中，我有機會參訪多家中國知名企業，深入了解他們的創新實踐、策略挑戰以及中國快速發展的商業環境。旅程的第四天特別具有啟發性，讓我全面了解中國企業如何在各行業中推動數位轉型之旅。

吉利控股集團有限公司：引領未來移動出行

我們對吉利控股集團的參訪令人耳目一新，展示了一家傳統汽車製造商如何轉型為科技驅動的移動出行公司。吉利成立於1986年，於1998年進入汽車行業，並自此發展為擁有多元品牌組合的全球化企業，包括吉利汽車、領克、極氪和沃爾沃汽車。他們對可持續技術、電動汽車（EV）和自動駕駛的重視，表明其朝著未來發展的重大轉變，其中汽車所有權可能下降，共享出行服務將成為趨勢。

主要收穫：

• 創新領導力：吉利在從燃油車向電動車、混合動力車和甲醇動力車型的轉型中處於領先地位。他們不僅適應市場趨勢，還在自動駕駛和內部芯片開發（如自主研發的StarEagle芯片）方面引領潮流。
• 人才與文化：公司通過建立大學來解決人才短缺問題，並積極參與企業社會責任（CSR）活動，例如「藍色守護計畫」，彰顯吉利對培育創新和社會影響力生態系統的承諾。
• 移動出行未來：吉利認為未來的汽車所有權將轉變為汽車共享服務。這一轉變不僅改變了其客戶群，從個人消費者轉向服務提供商，還需要採用不同的產品開發和行銷策略。

我對吉利模式的反思強調了適應能力和前瞻性在汽車行業中的重要性。隨著市場的發展，公司也必須調整策略以保持競爭力和相關性。

安恒信息技術股份有限公司：塑造網路安全的未來

接下來，我們參訪了中國領先的網路安全公司安恒信息技術（DAS-Security）。該公司提供包括雲安全、滲透測試以及AI驅動的安全運營等多種解決方案，並在中國政府網路安全市場中佔有重要份額，凸顯了網路安全在數位時代的重要性。

主要收穫：

• AI驅動安全：DAS利用人工智慧減少警報噪音、簡化威脅檢測並實現智能決策。他們基於AI的「衡腦安全大模型」在識別弱特徵攻擊方面表現出色，彰顯其技術實力。
• 市場挑戰：儘管在國內取得成功，DAS在國際擴展方面面臨顯著困難。合規性、市場認知以及與美國知名網路安全供應商的競爭是其全球化的主要障礙。
• 定制化解決方案：DAS強調通過深入客戶參與來定制解決方案，尤其針對中國的政府和企業客戶，這一策略在需求差異顯著的市場中至關重要。

此參訪揭示了全球網路安全的複雜性。像DAS這樣的公司在擴展國際業務時，必須應對多樣化的法規環境並克服市場對數據隱私和中國產品質量的懷疑。

新華三技術有限公司：推動數位轉型

新華三技術展示了其在數位解決方案與基礎設施領域的全球領導地位。原為華為與3Com的合資公司，新華三已成為人工智慧解決方案、數位基礎設施和智能技術的關鍵角色。他們的「AI萬物」戰略突顯了人工智慧在其產品中的核心角色。

主要收穫：

• AI驅動解決方案：新華三將人工智慧整合到其產品的各個方面，從使用機器人和高清閉路電視進行實時監控的智能工廠解決方案到配備AI技術的智慧課堂。他們對AI驅動數位基礎設施的專注表明人工智慧正成為數位轉型的基石。
• 品牌意識：在新加坡等市場建立品牌知名度是一項重大挑戰。為了在全球擴展中不依賴第三方供應商，新華三必須建立自己的價值鏈，並在中國以外提供直接客戶支持。
• 人才實踐：新華三鼓勵員工採用「導航員」心態，強調持續學習、創新和以客戶為中心。這種文化方法加強了公司對塑造數位未來的承諾。

新華三的發展歷程說明了將技術創新與市場擴展戰略對齊的重要性。對於尋求全球競爭的公司而言，擁有清晰的價值主張並與客戶直接互動至關重要。

杭州趣鏈科技有限公司：利用區塊鏈重塑數據管理

我們的最後一站是杭州趣鏈科技，一家中國領先的區塊鏈技術供應商。趣鏈專注於為金融、供應鏈和智慧城市等行業開發企業級區塊鏈平台。

主要收穫：

• 區塊鏈解決方案：趣鏈的區塊鏈平台實現了安全、分散的數據管理，提升了各數位生態系統的透明度、效率和信任。他們在金融和供應鏈管理中的創新應用突顯了區塊鏈技術的變革潛力。
• 挑戰：儘管區塊鏈的潛力巨大，趣鏈仍面臨與擴展性、性能以及法規不確定性相關的挑戰。克服行業的懷疑並教育利益相關者有助於區塊鏈的廣泛採用。
• 政府合作：公司與中國政府的緊密合作有助於應對複雜的法規環境。然而，這種方式在其他地區（如新加坡）是否有效尚待觀察。

此訪問再次證實了區塊鏈在改變多個行業方面的潛力。然而，像趣鏈這樣的公司要實現全球採用，還需要謹慎應對法規環境、技術挑戰以及市場認知問題。

最後反思

杭州的學習之旅深入探討了中國企業如何推動創新並應對數位轉型的挑戰。吉利、安恒、新華三和趣鏈分別代表了這一轉型的不同面向——從移動出行和網路安全到數位基礎設施和區塊鏈。

這些公司的共同特點是強調內部技術開發、策略性合作夥伴關係，以及適應不斷變化的市場動態的必要性。這些見解表明，在快速變化的商業環境中，靈活性、技術創新和以客戶為中心的策略是成功的關鍵。

從這次旅行中獲得的經驗與學習點，無疑會影響我對數位轉型的觀點，以及公司如何在競爭激烈的全球市場中戰略性地定位自己。

Reflection on Study Trip to Hangzhou

The recent study trip to Hangzhou provided an invaluable opportunity to explore innovative practices in technology and retail. It was fascinating to witness the thriving ecosystem of tech companies and their efforts in digital transformation, risk management, and e-commerce. Two companies stood out during this trip: Tongdun Holdings and Yowant (Yaowang). Each company showcased its unique approach to integrating cutting-edge technologies into their business models, highlighting key lessons in risk management, customer engagement, and leveraging digital platforms for growth.

Exploring Tongdun Holdings: A Leader in Risk Control and Decision-Making Solutions

Tongdun Holdings impressed us with its use of big data and AI in providing intelligent risk control and decision-making solutions. Founded in 2013, Tongdun has grown to serve over 10,000 customers worldwide, specializing in areas like fraud detection, credit risk assessment, and anti-money laundering. One of my key takeaways was how the company blends advanced technology with a startup mentality, constantly pushing for innovation with a sense of urgency.

One notable aspect of Tongdun’s approach is its credit scoring models. These models use data points such as loan history, payment behavior, and even social credit to assess individual creditworthiness. Moreover, their risk scoring models incorporate user behavior, device characteristics, and geolocation data to detect and prevent fraud in real-time. The company’s ability to adapt its solutions for various markets, taking into account geopolitical and economic factors, was particularly insightful.

The emphasis on people practices stood out as a critical factor in their success. Despite challenges in hiring talent that combines technical expertise, language proficiency, and cultural fit, Tongdun invests heavily in internal talent development. Their commitment to agile methodology and bi-weekly iterations enables rapid deployment and improvement of solutions, especially in their SaaS and API-based products. This adaptability is crucial in an industry where fraudsters are constantly evolving, and staying ahead is key to maintaining a competitive edge.

From the visit, a key learning point was the difference in business culture between B2B and B2C companies. B2B businesses, like Tongdun, require relationships with government officials and banking clients, whereas B2C companies can be more casual and iterate faster. Embracing change and reorganizing structures based on business demands are key to their leadership style.

Yowant: Blending Online and Offline Commerce

The visit to Yowant (Yaowang) was equally enlightening, providing a glimpse into the future of retail. As a global leader in social e-commerce, Yowant connects international brands with influential KOLs (Key Opinion Leaders) and celebrities to drive engagement and sales. The company’s innovative business model revolves around a live streaming ecosystem, allowing brands and influencers to promote products 24/7.

One of the most intriguing aspects of Yowant’s model is its ability to merge the online and offline retail experience. The Yowant X27 Theme Park in Hangzhou is a unique 24/7 consumer complex that allows influencers to livestream, while visitors can explore various brands in a beautifully decorated setting. This integration of "digital-reality" experiences creates a win-win situation for both the brands and the influencers. During our visit, we observed how influencers could select products they wish to promote in their livestreams, offering a level of flexibility and creative autonomy that traditional retail models cannot match.

However, it was also evident that this model comes with its challenges. Despite the innovative approach, the physical mall suffered from low foot traffic, primarily due to its remote location. This highlights the delicate balance between the online shopping trend and the in-person experience, especially in a market where consumers primarily make purchases online but seek experiences during their offline visits.

My key takeaway from this visit is that Yowant's model represents the future of retail, combining online streaming with offline experiences. While it may not be directly applicable to markets like Singapore due to space constraints, it has the potential to disrupt traditional retail businesses. For example, live streaming furniture assembly could revolutionize businesses like IKEA, merging the convenience of online shopping with the immersive in-person experience.

Key Learnings from the Trip

Reflecting on this study trip, several key lessons stood out:

1. Embrace Change: Both companies demonstrated the importance of embracing changes in technology and market dynamics. Tongdun constantly innovates to stay ahead of fraudsters, while Yowant adapts to the latest trends in e-commerce and influencer marketing.

2. Focus on Talent: Tongdun's struggle to find talent that combines technical skills, cultural fit, and international language proficiency underscores the global challenge of building high-performing teams in tech-driven industries.

3. Customer-Centric Approaches: A customer-first mindset was evident in both companies. Tongdun's real-time risk detection solutions and Yowant's flexible live streaming environment cater to evolving customer needs, demonstrating the importance of agility in today's market.

4. Blending Online and Offline Experiences: Yowant's innovative approach to blending online live streaming with offline experiences offers a glimpse into the future of retail, where creating engaging experiences for consumers is just as crucial as the products themselves.

Overall, the Hangzhou study trip was an eye-opening experience, providing insights into the intersection of technology, commerce, and customer engagement. It reinforced the notion that innovation, adaptability, and a focus on customer needs are essential for thriving in the fast-paced digital economy.

課本冇講嘅人生技能：情商、自我認知同韌性

嗨，大家好！歡迎上嚟我哋嘅頻道。今日我哋要深入探討一個好多人成日諗嘅話題——啲學校冇教我哋嘅嘢。我哋都好熟悉平日學校裏面學數學、科學同埋歷史嗰啲科目，雖然呢啲嘢好重要，但佢哋唔一定可以幫我哋應付現實生活嘅複雜性。不過唔使擔心，我哋喺度幫你填補呢個空隙！

最近我發現咗一本好正嘅書，叫《学校没教的事》（What They Forgot to Teach You at School），係由The School of Life出版嘅。呢本書就係教我哋點樣喺呢個經常令人手忙腳亂嘅世界裏面實現個人滿足同埋幸福嘅一份寶貴資源。依家等我哋逐步了解下。

首先係情商！試下諗下，如果情商同閱讀同寫作一樣喺學校咁受重視，咁會唔會改變我哋嘅一生呢？

（畫面切換到一個人管理情緒、建立健康關係、輕鬆應對生活挑戰嘅動畫）

情商係關於有效管理我哋嘅情緒同理解我哋嘅心理需求。呢本書教我哋點樣用成熟嘅態度去應對生活中嘅起落。諗下，如果你知道你可以應付生活中嘅任何挑戰，咁會令你有幾安心啊！情商唔只係一個花巧嘅術語，而係個人同職業成功嘅關鍵技能。

跟住，我哋講下實用技能。學校可能教咗我哋代數，但佢哋有冇教過我哋點樣報稅或者做職業決策呢？

呢本書提供咗管理財務、應付職場挑戰同埋處理日常壓力嘅課程，呢啲壓力有時真係令人不堪重負。呢啲都係必不可少嘅工具，佢哋使我哋可以優雅咁處理生活中嘅實際問題。

依家，講吓自我認識。了解我哋自己——我哋嘅價值觀、優勢同埋弱點——會帶我哋走向一條更加真誠嘅生活之旅。

通過認識真實嘅自己，我哋可以做出同我哋核心價值觀相符嘅決策。呢個會帶來更加大嘅滿足感同埋幸福感。了解自己唔只係自我改進，更加係關於真誠同有意義地過生活。

最後，呢本書探討咗韌性。生活充滿咗失敗、挫折同情感創傷，但我哋對呢啲挑戰嘅反應決定咗我哋前進嘅道路。

韌性係指每次跌倒後可以更加堅強咁站起來。佢培養咗內心嘅力量，讓我哋可以以積極嘅態度去應對生活嘅考驗。

總而言之，《学校没教的事》結合咗傳統學術教育同埋實用智慧。佢唔單止準備我哋去成功，仲讓我哋茁壯成長，畀我哋必要嘅工具去過上一個平衡而有意義嘅生活。

所以，等我哋一起將呢啲課程融入我哋嘅生活。優先考慮情商、實用技能、自我認知同埋韌性。呢啲係支持我哋追求充實同幸福生活嘅支柱。

多謝大家收睇！如果你覺得呢條片對你有幫助，請俾個like、訂閱我哋嘅頻道，仲有記得撳個鐘仔去接收更多呢啲內容。喺下面留言話俾我哋聽你嘅諗法。你希望喺學校學到啲乜嘢？等我哋開始對話啦！下次見，保重同繼續成長啦。