Estonia stands at the forefront of healthcare innovation, exemplifying a digital-first approach that has transformed its national health system. With nearly all healthcare services digitalised, Estonians benefit from secure, comprehensive access to their medical records. By leveraging robust infrastructure, data-driven insights, and one of the world’s largest biobanks, Estonia has become a model for personalised, predictive healthcare solutions. 

Estonia has set a groundbreaking example in digitalising healthcare, with 99 per cent of its healthcare system implemented digitally. Since 2008, when the government opened the Estonian National Health Information System (HIS), all healthcare operations across the nation have been stored within this system, ensuring patients’ health data is securely protected.

The system covers visit summaries, treatment plans, prescription medicine, referrals, diagnostics, analyses, dental records, medical procedures, discharge details, information about vaccinations, and a log-book overview, allowing patients to see who has accessed their data.  

All previously mentioned activities are digitalised, including an e-prescription system and a medical digital image bank. Estonia has designed its system with an opt-out model, meaning the patient has full access to their medical data and can control who sees it. As citizens own their health data, they have the right to question officials about viewing it for appropriate purposes. Patient records are only accessible to the healthcare professionals directly involved in their care. 

How does Estonia have the ability to build the world’s most advanced digital society? 

Estonia has a digital-first approach — all of our nationally provided services are digitally run and connected through central systems, allowing Estonian citizens to access them digitally, regardless of their location. Since 2001, the government has been developing X-road, a distributed data exchange layer for registers and information systems.

It is the backbone of e-Estonia, enabling Estonia’s public and private sector information systems to link and operate seamlessly. As a result, 99 per cent of public services are accessible online, 24/7.  

Also Read: How home-based care is changing the face of the health sector

The success of digital nation lies on the strong infrastructure Estonia has built, which supports different sectors — health, finance, education, defence, industry, environment, energy, and more. To support business growth, attract new entities and bring in new talent, Estonia launched the e-residency program in 2014 — being the first digital nation for global citizens.

Estonian unicorns also support the growth of new digital services, such as the remote verification system for notaries launched in 2020 in partnership with Veriff to securely enable remote authentication. The only thing not yet digitalised in Estonia is filing for a divorce, although it is likely to soon shift to a digital format as well. 

Technological advancements in Estonian Healthtech 

Estonia has made significant advancements in telemedicine, personalised medicine, and data-driven healthcare. Various telemedicine solutions are being used to reach patients in remote areas to provide equal and timely access to healthcare services.  

Estonia has one of the largest population-based biobanks in the world, consisting of the data of more than 200 000+ individuals, which is more than 20 per cent of adult population. This valuable resource enables the development of precision medicine solutions tailored to individuals’ genetic needs.

The primary goal is to design patient-centric systems by using genome data for predictive analysis, based on secondary data usage. In June 2024, Estonia launched My Gene Portal for genome donors, offering personalised genome information related to specific diseases, medication suitability and genetic background. 

Artificial intelligence (AI) is also gaining large interest in the field of Estonian healthtech, with companies exploring AI-driven diagnostics and treatment recommendations. The government actively supports the adoption of new AI technologies to streamline processes and improve diagnostic accuracy.

Also Read: How I nurtured and scaled a mental health ecosystem during the pandemic

Key trends in Estonia focus on the use of AI in clinical decision support systems, early detection of cancerous cells in the human body, elderly care solutions that help predict and enhance safety in environments like hospitals, antiviral drug discovery platforms, mental health support tools, and more. 

Future plans for Healthtech 

Estonia’s healthtech ecosystem is focusing on integrating AI and machine learning, particularly in preventive care and early diagnosis. There is a strong interest in developing solutions that predict emerging health risks, enabling more proactive management of the growing number of multimorbid conditions. This is closely linked to using genetic information for predictive activities’ secondary data applications. 

Another priority is enhancing cross-border healthcare collaboration. Estonia has already established partnerships with 13 EU countries to exchange e-prescriptions, with a broader focus on cross-border health data sharing. This initiative was launched in 2017 by European countries to sustainably facilitate health data exchange across Europe.

The aim is to strengthen regional hub, e.g. Tehnopol HealthTech activities to foster healthtech innovation that benefits from the collective expertise and resources of multiple nations. 

Additionally, cybersecurity in healthcare is a top priority. As healthcare becomes increasingly digitalised, so do the risks of data breaches and cyber-attacks. In 2023, according to one of the top telecommunication providers, Estonia experienced a 2600 per cent surge in cyber-attacks compared to the previous half year, with healthcare being the second most targeted sector.

In response, we need to actively design, implement and integrate safe and secure systems. Estonia is investing heavily in secure digital infrastructure to protect patient data, while also exploring new ways to safeguard health technology solutions against emerging cyber threats. 

Conclusion 

Estonia’s healthtech ecosystem serves as a model for how digital innovation can transform healthcare. With strong government support, a commitment to data-driven solutions, and a clear vision for the future, Estonia has reached the top of global healthtech advancements.

The country’s focus on AI, personalised medicine, and international collaboration provides a solid foundation for developing the next generation of healthcare technologies and alleviating healthcare challenges.  

While technology cannot replace healthcare professionals, it can effectively support them in precision medicine, clinical decision-making, diagnosis and treatment, leaving the final judgement for the healthcare professional. This support helps to save valuable time and also lives across the globe. 

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Singapore’s iconic public housing flats, enduring symbols of unity, are undergoing pivotal changes for greater inclusivity and equity. But Prime Minister Lee Hsien Loong’s recent National Day Rally also touched on another vision: We need to empower more Singaporeans to build our digital domain to forge our economic future.

For most Singaporeans, investing in a Housing and Development Board (HDB) flat is tantamount to securing a financial safety net for retirement, a means of owning an appreciating asset class, and a stake in the long-term future of the nation.

In our globalised, capital-driven economy, it’s evident that salaries often lag the gains seen in capital investments. From 2017 to 2022, the median monthly household income of employed resident households saw a real increase of just 0.6 per cent per annum.

However, a silver lining exists for Singaporeans: around 90 per cent are property owners, and around 80 per cent own their HDB flats. Their HDB properties, appreciating in tandem with the nation’s economic growth, stand as robust assets that bolster their financial security.

Furthermore, their appreciation isn’t solely a product of market dynamics. Government initiatives, such as the introduction of new amenities, MRT line extensions, and other developments, amplify their worth.

When juxtaposed against skyrocketing real estate prices in other major cities, Singaporeans are assured of access to these flats that hover on average at around only 4.5 times the median annual income. This isn’t merely an economic transaction; it symbolises a reciprocal pact between the state and its citizens, built by the government on land owned by the government.

Also Read: Why the growing UHNI population in Singapore is good news for Indian startup ecosystem

At this year’s National Day Rally, Prime Minister Lee Hsien Loong announced the next evolution in Singapore’s public housing system: a new classification framework making access to HDBs more equitable, fair, and integrated with prime locations across the city-state. This resonates deeply with many Singaporeans because, more than bricks and mortar, it’s a cherished piece of the Singaporean social compact.

But while our homes anchor us, they’re just a chapter in our larger, unfolding Singapore story. Another one is unfolding – one that’s written in code, not concrete.

A new playbook for talents to build Singapore’s digital domain

The rapid digitisation of the world is not a distant headline; it’s Singapore’s new heartland. The World Bank notes that the digital economy contributes over 15 per cent to the global GDP, growing at a rate 2.5 times faster than the physical economy in the past decade.

Additionally, the World Economic Forum anticipates that, with the swift digital transformation of the global economy, around 70 per cent of the new value in the upcoming decade will stem from digital platform business models. While we’ve made great strides in physical infrastructure, our next task is to bridge digital divides.

Singapore’s Communications and Information Minister Josephine Teo underscored that, even amidst global political uncertainties and the lingering effects of the pandemic, technology remains a cornerstone of economic growth. She further highlights the rising demand for tech-savvy professionals not just in traditional tech areas but also in sectors like banking, hospitality, supply chain, and retail.

As Singapore becomes a digital economy, this talent gap becomes more critical. With both local businesses and government bodies ramping up their digital initiatives, the need for skilled tech professionals is more pronounced than ever.

In tandem with his speech about augmenting Singapore’s HDB policy, PM Lee spoke about opportunities and challenges in the digital domain, emphasising at the National Day Rally that while technology offers new opportunities, it also presents the potential risk of job displacement due to AI and automation.

He acknowledged the difficulties many may encounter when trying to reskill and transition to new professions, especially amidst financial burdens and familial obligations. In response, the government intends to roll out short-term financial aid for those seeking to upskill after layoffs, he announced. So, what might these career transition paths look like?

In April 2021, Temasek, in strategic partnership with UST, established Temus, a digital transformation services firm to help public and private sector organisations become ready to thrive in an AI and digitally-driven future.

Temus’ flagship digital career conversion program, Step IT Up, has successfully ‘placed and trained’ two successful cohorts. Launched last year, Step IT Up’s training not only imparts technical competencies but also paves the way for good career advancement.

Imagine individuals who just a few months prior had no formal background in IT transforming into proficient software developers and digital business analysts within merely three to four months.

The growing anticipation for Step IT Up’s forthcoming third batch speaks volumes about the initiative’s profound influence on Singapore’s broader effort to help more people have a stake in the nation’s digital future. Since its inception, approximately 40 graduates – affectionately dubbed in the firm as ‘Temus Transformers’ – have benefited from Step IT Up.

Among them are brothers Christopher and Eric Tan. While Christopher formerly practised optometry, Eric was engaged as an offshore marine research engineer. Their simultaneous enrolment in the program was serendipitous.

At 38, Christopher, having previously supported his siblings’ university education, found Step IT Up the perfect avenue to realise his aspiration of transitioning to a tech-centric role, one that not only offered a competitive stipend but also assured a permanent coding position post-completion. Presently, the siblings are contributing to distinct projects within the insurance and healthcare domains.

Another notable alumnus is Soh Wen Ming, a Berklee College of Music graduate, who transitioned from being a session musician and seasoned operations manager to exploring the tech realm. As a father to two young children, Wen Ming perceived the expansive growth opportunities in tech, as undeterred by the potential challenges of switching careers midway.

During his graduation, he was honoured with a class award, a recognition of his embodiment of core values centred around collaboration and empowerment. After graduation, Wen Ming became a key member of Temus’ low-code team, making impactful contributions to major Singapore-based enterprises, such as Starhub.

Also Read: Singapore’s food services in 2023: Trends, challenges & opportunities

Today, Temus Transformers are at the forefront of solving technical challenges, steering digital projects for Temus’ clientele across diverse sectors, from environmental intelligence to digital telcos PE investments to insurance and healthcare. But the central appeal of Step IT Up lies in its ethos of inclusivity: Whether you’re a platform delivery rider or a chef, there’s room for you in Singapore’s digital future.

Onward as one Singapore, in both bricks and bytes

In a recent podcast, Professor Karim Lakhani, co-founder and chair of Harvard’s Digital, Data, and Design (D^3) Institute, along with Srijay Ghosh, a founding member of Temus, delved into the essence of a genuinely digital company.

They described it as “digital to the core” and “human on the edge,” emphasising fully automated processes powered by digital machines, all of which are conceptualised, programmed, and governed by humans.

As the push for digital transformation intensifies, it’s essential to remember the value of staying “human on the edge.” At this critical juncture in Singapore’s history, a dual narrative emerges. One highlights our unwavering commitment to enduring values, reinforcing pillars such as public housing that have been our society’s bedrock. Concurrently, we need to boldly prepare and empower locals to lead Singapore’s digital journey, ensuring wider participation in our digital workforce.

Having a stake in building Singapore’s digital future isn’t just for a select group of tech trailblazers or policymakers. Taking Singapore forward is a shared mission involving employers, individuals, and the government. Echoing PM Lee’s clarion call, let us remember that every Singaporean holds a key role in moulding our digital domain and unlocking value in our economic and societal future.

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This article was first published on September 5, 2023

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Saad Ahmed, Head of Asia Pacific at Gemini, says Southeast Asia’s (SEA) digital asset landscape offers diverse opportunities shaped by unique regulatory frameworks and use cases.

Unlike the US’s unified market, SEA is a collection of distinct ecosystems. Singapore stands out with clear regulations and a sophisticated investor base that integrates digital assets into portfolios. In contrast, stablecoins are popular in the Philippines as a hedge against inflation, while Vietnam thrives as a hub for gaming and GameFi innovation.

Gemini’s focus in the region is on enabling access to these evolving opportunities. “Whether it’s meme tokens, gaming tokens, or AI tokens, Gemini provides the infrastructure to support the community,” Ahmed explains.

Operating primarily in Singapore, which holds in-principle regulatory approval, Gemini benefits from established payment systems that ease user onboarding and trading. However, inconsistent regional regulations pose challenges, particularly in markets lacking local payment rails, such as the Philippines and Vietnam.

As a result, Gemini’s growth outside Singapore relies on organic user discovery rather than targeted marketing. Despite this, the platform attracts users across the region, including from Taiwan, Hong Kong, and Australia.

Also Read: Embracing AI and cryptocurrency: Is Hong Kong too ambitious?

In an interview with e27, Ahmed discussed Gemini’s milestones in Singapore and what the company has in store for SEA.

The following is an edited excerpt of the conversation.

How do you approach the different regulatory frameworks in the countries in which Gemini operate?

To be fair, it is a challenge, right? Unlike Europe, where there is one regulatory framework.

In a market like Asia, there are two things [that you need]: Number one, clarity around regulation. I think that makes it much easier for us to operate, having clear ground rules on what exchanges need to do or what any Web3 firm needs to do.

Number two, there are differences in nuance in what the regulations in each market apply. It is a challenge, not just for us but for the industry as a whole. That means we need to really pick and choose our focus markets which is exactly what we are doing in Singapore.

Gemini has been able to build a strong ecosystem here in Singapore. We are actually figuring out an expansion to other parts of the region, and we will be able to share more about that in due time.

As a player in this industry, do you have any aspirations about where regulation and policy should be headed?

If I had a magic wand, I would want consistent regulation across all markets. This would make it easier for global players to operate. We would not have to set up operations in specific countries and comply with just that particular market or customise products for one set of users here and another set there.

If governments and regulators across the region could come up with one regulatory framework, I think that would be much better for the industry and ecosystem as a whole.

Also Read: Institutional players set sights on crypto: What lies ahead?

In the past year, traditional banks are finally embracing digital assets. What are your thoughts about this trend?

What has happened over the last year has been a significant shift in how digital assets are perceived by the traditional finance industry. And I think the catalyst for some of that would have been the Bitcoin ETF approval [by SEC] in January.

You have players such as BlackRock and corporations that have been around for decades entering the space, and it lends credibility to the asset class. It means the asset classes are here to stay.

It is much more compelling as an asset class for them to stand behind, and with their relationships and power, I think we will see this asset class continue to grow.

The other thing that has happened with ETFs is that there used to be a more complex undertaking for financial institutions. They had to find an exchange or an OTC desk where they would buy the asset. Then, they had to find a way to custody the asset, but that has changed.

How exactly does Gemini work with the different players in this ecosystem to build a healthy and robust ecosystem for digital assets?

Our primary business in Singapore is the exchange.

We have relationships with market makers and trading firms that trade on our exchange. We also have a huge retail community that trades on the exchange. We work with financial institutions and banks providing the on- and off-ramps to our customers. What we have not done enough in the past, but we are starting to change, is to work with builders and list projects with a lot more velocity than we have previously.

There have been some challenges with that, but now that is changing. You might have seen that we listed three new tokens last week. This week, we are going to list another.

Also Read: Cross-chain interoperability: The key to unlocking crypto’s true potential

We will continue to engage with the community of builders here to determine what they are building and how we can list them on the exchange to give them access to our customer base. Obviously, they have to go through the due diligence and assessment process to ensure that the projects we are listing are the kinds of projects that we want our customers to have access to.

So, after all these years in Singapore, what are the most important milestones that Gemini has achieved?

From the time we started out, we obviously have had ups and downs,, as any crypto firm would. At the end of the day, the market cycle drives a lot of the momentum for a company like ours.

However, my personal focus over the last year has been threefold. Number one would be building a leadership team for Asia, which we did not have before. In the last six months or so, we brought on a new head of compliance, a general counsel, a head of consumer growth, a head of strategy, a head of institutional sales, a head of trading and then, folks on the marketing team. So, that has been something that I have focused on: to build a core leadership team here that is going to help build a strong foundation for us to grow in the rest of Asia.

The second has been international expansion. Due to historical reasons, a lot of our business is concentrated in Singapore. But over the last few months, we have been identifying the markets that we want to enter. We are establishing and incorporating entities in a couple of new markets as we speak.

Lastly, one of my other objectives was to make sure we are driving our licensing process forward. You might have seen the announcement, we received our in-principle approval from the MAS, and we are confident that we will be able to drive towards a license from the MAS within the next few months.

Also Read: Banking meets digital assets: Coinbase’s take on Southeast Asia’s thriving crypto landscape

Given the regulatory limitations on marketing your platform in Singapore, are you going to use a new approach for your upcoming initiatives?

In Singapore, we have started looking at other ways of engaging customers that we can do within the regulatory guidelines. This includes hosting events with customers and engaging our VIP customers by having account managers, reaching out to customers and figuring out how we can help them.

We are exercising our growth muscle in those areas within the constraints that we have to work within. But in some of the new markets we are launching, we do not have some of those restrictions, and we will be able to consider doing more ATL or performance marketing in those markets.

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Image Credit: Gemini

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Piyush Gupta, the former managing director of Peak XV Partners (formerly Sequoia Capital), has started a new investment firm, Kenro Capital. The firm will specialise in secondary transactions, facilitating the exchange of shares between investors without introducing new capital or issuing additional shares.

Kenro Capital, co-founded by Gupta and Norbert Fernandes, a seasoned private equity professional with experience at Temasek, IvyCap Ventures, and TR Capital, aims to target growth companies in India and Southeast Asia.

The firm plans to deploy US$20-30 million per investment, with flexibility for larger amounts through co-investment opportunities.

Kenro Capital aims to acquire minority stakes in growth-stage companies across diverse sectors that have achieved revenue scale, are profitable or nearing profitability, and possess key attributes positioning them for a potential public listing within 2 to 3 years of investment.

Also Read: Partior adds Deutsche Bank as strategic investor in US$80M fundraise

Leveraging its industry expertise and strong relationships with founders and venture capital funds, the firm provides liquidity solutions to stakeholders in late-stage, venture-backed companies.

Gupta highlighted a secondary market opportunity exceeding US$100 billion in India from venture-backed companies, noting that 2023 recorded a milestone US$13.5 billion in secondary transactions, up from US$9.1 billion in 2022.

“We are bridging a critical gap in the market to provide liquidity solutions to stakeholders. With impressive growth in venture capital in India and Southeast Asia over the past 15 years, VCs are focused on increasing the pace of distributions to their limited partners and that’s where Kenro Capital will play a key role,” said Gupta.

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Image credit: Piyush Gupta

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How often do startups come up with a business plan only to find themselves in a tough spot, thinking, “I should have researched more!”? 

In today’s age, skipping on any kind of market intelligence can deal serious blows to brand perception. According to Deloitte, companies that embrace a customer-centric approach are 60% more profitable than those that don’t.

Investing in market research isn’t just a nice-to-have; it’s a must-have for startups aiming for sustainable growth. By dedicating time and resources to understanding their target market, validating business ideas, identifying and analysing competition, and spotting emerging trends, startups can make strategic decisions that foster growth and profitability. 

Market research can help mitigate risks, optimise strategies, and increase the chances of success in a competitive landscape.

Market research is more than just identifying trends

In the past, it would take ages to painstakingly gather all insights from focus groups or do interviews on the streets to understand the market landscape. Startups often relied on limited data and anecdotal evidence to come up with a survey, risking costly misjudgments. 

Gone are the days of fragmented processes and delayed insights. Things have changed now in 2024. Businesses can easily access always-on audience data that deliver a wealth of insights and conduct entire research projects on a single, unified platform — from survey design and scripting to distribution, fieldwork, and real-time analysis. This empowers organisations to monitor responses instantly across various quotas and distribution segments, enabling agile decision-making and strategic pivots based on real-time consumer sentiments.

As we navigate this new era of market intelligence, companies that leverage these advanced tools will undoubtedly gain a competitive edge, transforming raw data into actionable insights with unprecedented speed and precision. For example, if you’re a startup developing a new fitness app, data intelligence could reveal valuable insights.

You might discover a rising trend in at-home workouts, learn the times when users typically exercise, understand how much they’re willing to invest in their health, and analyse their behaviour patterns. This insight could influence the app’s features, marketing strategy, and even pricing model.

Market research goes beyond just identifying trends. It also helps in understanding market size, potential growth, and segmentation. Startups can pinpoint niche markets that are underserved or identify broader market opportunities that are ripe for disruption.

It’s all about blending audience intelligence with market trends

Knowing your audience is only the beginning. The next step is to combine this understanding with broader market research to validate and refine your business idea.

Also Read: New research report: The nexus between elite university education and startup funding

With comprehensive real-time audience intelligence, startups can gather demographic and psychographic data to better understand their consumers’ interests, behaviours, and economic context. For example, demographic data on age, wealth, and lifestyle preferences can highlight key opportunities and limitations for reaching potential customers.

Beyond understanding who your audience is, it’s vital to answer important market questions:

• Demand: Is there a desire for your product or service?
• Market size: How many people would be interested in what you’re offering?
• Economic indicators: What is the income range and employment rate in your target market?
• Location: Where do your customers live, and how far can your business reach?
• Market saturation: How many similar products or services already exist?

By blending audience intelligence with these broader economic insights, startups can make informed, data-driven decisions that reduce risks and improve their chances of success.

Risks of product failure are much lower

Innovation is the lifeblood of startups, and data intelligence plays a pivotal role in driving product development. With proper market research, you’re creating a feedback loop on understanding what consumers want, what they don’t like, and what they’re willing to pay for. 

This information is golden for startups who need to constantly refine their products and developing features that address real customer pain points.

Market research helps leaps and bounds when testing product concepts and prototypes before a full-scale launch. You save time and most importantly upfront costs. Startups can gather feedback from focus groups or conduct surveys to gauge consumer reactions. 

This iterative process minimises the risk of product failure and ensures that the final product aligns with market demands.

Pricing is a critical element for startups

Pricing is a critical element for startups, influencing both profitability and market positioning. 

For instance, if you’re a fitness app startup, begin by analysing competitor pricing and conducting targeted customer surveys. This research will help determine how much your target audience is willing to pay (e.g., THB299 (US$8.25) per month) based on your unique selling points and the value your subscription offers.

Tools such as competitive analysis platforms and market research reports can provide real-time insights, helping startups adjust their pricing to stay competitive and appeal to their target audience. 

This data-driven approach ensures that pricing decisions are informed and strategically aligned with market demands.

Finding up-to-date information

The biggest issue with most startups is finding relevant and up-to-date information which can be tough depending on the industry or target market. 

Startups often face the challenge of accessing reliable data sources, especially when operating in niche or rapidly changing markets. 

Traditional market research methods, such as surveys and focus groups, can be time-consuming and may not always capture the latest trends. 

Also Read: Effective marketing strategies to win over Gen Z for your startup

To overcome this, startups can leverage digital tools like AI survey assistants and platforms that provide real-time insights. From social media analytics to industry reports, and AI-powered data platforms – a combination of this can provide valuable, up-to-date information, enabling startups to make informed decisions swiftly. 

This proactive approach not only helps in staying ahead of the competition but also in anticipating market shifts and customer needs effectively.

A startup that’s data-driven

In today’s fast-paced and ever-changing business environment, startups cannot afford to fly blind. Data intelligence is super important if startups want to make informed and strategic decisions. 

Traditional market research methods frequently struggle with scalability and speed, often failing to effectively connect with decision-makers.

If you are a thriving startup, you need to actively track your customer sentiments. This can be achieved by getting access to a centralised dashboard featuring market research tools, methodologies, and advanced processes designed to extract actionable insights from a unified, reliable source. 

This is the only approach to excel in 2024 as it guarantees that you as a business can stay agile and responsive, capable of navigating rapid changes and seizing emerging opportunities effectively.

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