Artificial Intelligence (AI) is revolutionising industries, driving efficiency, automation, and better decision-making. But for many businesses—especially SMEs and enterprises—AI adoption remains a daunting challenge. Where do you start? How do you identify the right AI use case that aligns with your business needs?

This is exactly what Ian Jianliang Low, Head of AI Lab Programme at Prudential PLC, will be tackling in his exclusive workshop, “Identifying the right AI use sase: Turning business challenges into AI opportunities” at Flux Series: AI Leaders Summit 2025.

Why AI adoption feels difficult

Everyone is talking about AI, but for businesses looking to integrate it effectively, there are real barriers:

• High implementation costs make AI seem out of reach for smaller enterprises
• Lack of expertise means businesses struggle to find the right talent to drive AI transformation.
• Unclear ROI makes decision-makers hesitant about investing in AI.

For AI to work for your business, you need a clear, actionable approach—one that starts with identifying the right use case. Not every AI solution is a good fit, and businesses that fail to align AI capabilities with their actual challenges risk wasting time, money, and resources.

Also read: Can autonomous delivery vehicles handle the chaos of real roads?

What this workshop will teach you

This interactive workshop at Flux Series is designed to help businesses cut through the complexity of AI adoption and build a roadmap that works. Here’s what you can expect to learn:

• How to identify high-impact AI use cases – Learn how to recognise which business problems AI can effectively solve.
• A structured framework for AI adoption – Understand a step-by-step approach to evaluating AI opportunities.
• Matching business challenges to AI solutions – Develop the ability to align your company’s pain points with practical AI applications.
• Building an AI implementation roadmap – Walk away with a strategy that ensures AI delivers tangible business results.

Who Should Attend?

This session is for professionals who are serious about integrating AI into their business but need guidance on where to begin. It’s ideal for:

• Business leaders who want to drive AI transformation in their companies
• Innovation and strategy professionals working on digital transformation
• IT and operations managers responsible for AI deployment
• AI and data science teams looking to create business-aligned AI projects

Why this workshop is a must-attend

AI is not just for big tech companies. SMEs and enterprises can and should use AI to enhance operations, make data-driven decisions, and scale growth. But without a clear use case, AI projects often fail before they even begin. This workshop will provide a proven approach to selecting and implementing AI in a way that delivers real business value.

Led by Ian Jianliang Low, who has extensive experience leading AI-driven business strategies, this session will provide attendees with a practical, no-nonsense roadmap to AI adoption.

Also read: Leveling the playing field: Oracle NetSuite on AI’s role for SMEs

Meet the workshop lead: Ian Jianliang Low

Ian Jianliang Low is a lifelong problem solver, entrepreneur, and innovation leader who thrives at the intersection of design thinking, AI, and business transformation. From selling secondhand toys as a child to co-founding Reactor and building Trabble, an AI-driven SaaS platform, his journey has been fuelled by curiosity, creativity, and a passion for impact.

With global experience spanning startups, venture capital, and corporate innovation, Ian now spearheads the Prudential AI Lab Programme, where he turns ideas into action, develops AI-powered solutions, and drives AI adoption across the organisation.

Be Part of the AI Revolution

The AI wave is here, and businesses that embrace it will gain a competitive edge. If you’ve been wondering how to start your AI journey—or how to make AI work for your business—then this workshop is for you.

Join Flux Series: AI Leaders Summit 2025 and be part of the conversation shaping the future of AI adoption.

Secure your seat now at 50% off Starter Pass and take the first step toward making AI work for your business

 

–

Image credits: Kindel Media

The post Beyond the hype: Identifying AI opportunities for businesses appeared first on e27.

There is a whirlwind of events shaping the financial landscape on March 7, 2025. Today’s developments—ranging from tariff flip-flops to monetary policy shifts and the intriguing evolution of cryptocurrency as a national asset—offer a fascinating glimpse into the interconnected forces driving risk sentiment worldwide. The question posed to me is to offer my point of view on this complex tapestry of economic and political threads, and I’m eager to dive in with a detailed, human perspective grounded in facts and careful analysis.

Let’s start with the tariff saga that’s once again grabbing headlines. President Donald Trump’s decision to pause tariffs on Canadian and Mexican goods covered by the USMCA is a notable twist in his administration’s trade policy. This move, announced just days after imposing steep 25 per cent tariffs on most imports from these North American neighbours, reflects a pattern of unpredictability that’s keeping markets on edge.

The initial levies sparked swift retaliation from Canada, Mexico, and even China, igniting fears of a broader trade war. US equity markets felt the heat, with the S&P 500 sliding 1.8 per cent and the Nasdaq dropping 2.6 per cent as investors grappled with the uncertainty. The tech sector, in particular, seems to be bearing the brunt, not just from tariff jitters but also from disappointing guidance that’s failed to match the sky-high expectations set by Wall Street.

Add to that the intensifying global race in artificial intelligence—where US tech giants face stiffer competition from abroad—and it’s no surprise that risk appetite is faltering.

From my perspective, Trump’s tariff strategy is a double-edged sword. On one hand, it’s a bold attempt to flex American economic muscle and address trade imbalances, a cornerstone of his political brand. The pause on USMCA-compliant goods suggests a pragmatic nod to the importance of North American trade ties, perhaps in response to pressure from domestic industries reliant on these supply chains.

Yet, the broader market reaction—US stocks erasing post-election gains and Asian equities following suit—underscores the fragility of investor confidence. The whipsaw effect of these policy shifts is palpable, and I can’t help but wonder if this unpredictability is eroding the very economic stability Trump aims to bolster.

Businesses crave certainty to plan investments, and this rollercoaster approach risks stunting growth rather than spurring it. The International Monetary Fund’s warning of a “significant adverse economic impact” on Canada and Mexico if these tariffs persist only amplifies the stakes.

Also Read: Global economic shake-up: Bitcoin hits US$90K, German bonds slide

Turning to the bond market, the Treasury yield movements offer another layer of insight. The 10-year Treasury yield ticked up 3 basis points to 4.29 per cent, signalling lingering concerns about inflation and the fiscal implications of Trump’s policies. Meanwhile, the 2-year yield dipped slightly to 3.97 per cent, hinting at expectations of a more cautious Federal Reserve stance in the near term.

The narrowing yield curve is something I’ve been watching closely—it’s a classic indicator of economic unease, suggesting investors are bracing for slower growth ahead. The US Dollar Index’s fourth consecutive day of decline, its longest losing streak since September, further reflects a market reassessing the greenback’s strength amid this turbulence. For me, this currency softness ties directly to the tariff uncertainty; if trade partners retaliate and global demand shifts, the dollar’s dominance could face a real test.

Commodities, too, are telling a story of cautious recalibration. Gold, often a haven in times of strife, eased 0.1 per cent as higher Treasury yields and profit-taking tempered its allure. Brent crude, hovering just above US$70 per barrel with a modest 0.2 per cent gain, seems stuck in a holding pattern, caught between geopolitical tensions and lackluster demand signals. I see these muted movements as a sign that traders are waiting for clearer cues—perhaps tonight’s nonfarm payrolls data will provide the spark they need to take a firmer stance.

The European Central Bank’s decision to cut its deposit rate by 25 basis points to 2.50 per cent was hardly a surprise, but its messaging caught my attention. Describing monetary policy as “becoming meaningfully less restrictive” feels like a deliberate signal to markets that the ECB is ready to support a sluggish Eurozone economy.

The EUR/USD’s brief flirtation with a four-month high of 1.0854 before settling at 1.0784 suggests traders are still digesting the implications. European equities closing flat tells me there’s no euphoria here—just a steady, wait-and-see approach as the continent navigates its own challenges, including potential spillovers from US trade policies.

In Asia, the narrative shifts to wages and monetary policy, with Japan’s labor unions demanding a 4.5 per cent base pay rise for 2025—the highest in 32 years. This is a big deal. Inflation has clearly taken root, and workers are pushing back, which strengthens the case for the Bank of Japan to tighten policy further. I’ve long argued that Japan’s decades-long battle with deflation might finally be turning a corner, and this wage hike demand is a concrete step in that direction.

Asian equity indices, however, are a mixed bag, with Japan’s shares tumbling nearly two per cent while Chinese stocks retreat from a four-year high. The shadow of US tariff uncertainty looms large here, and I suspect regional markets will remain jittery until Trump’s trade stance crystallises.

Also Read: Global markets steady as PCE data softens, Trump names Bitcoin in strategic reserve

Then there’s the cryptocurrency angle, which has injected a wild card into this already volatile mix. Bitcoin’s four per cent drop to US$86,000 after Trump’s executive order on a strategic reserve disappointed markets is a fascinating subplot. The order, paired with a stockpile of digital assets like XRP, Ether, SOL, and ADA, marks a historic acknowledgment of crypto’s role in national strategy.

But the caveat from White House crypto czar David Sacks—that no taxpayer funds will be used to buy these assets, relying instead on forfeiture proceedings—dashed hopes of a government-led buying spree. I find this pragmatic yet underwhelming. It’s a symbolic win for crypto advocates, but without active accumulation, the immediate market impact is limited. The slump in Bitcoin and other tokens reflects that reality.

South Korea’s response to this US move adds another dimension. At a seminar hosted by the Democratic Party, experts urged the country to integrate Bitcoin into its national reserves and issue a won-backed stablecoin. This isn’t just financial strategy—it’s geopolitical positioning. With the US, Switzerland, and Japan already advancing crypto adoption, South Korea risks falling behind if it doesn’t act.

The timing is critical, too, with a potential snap presidential election looming if President Yoon Suk Yeol’s impeachment holds. I see this as a smart play: a Bitcoin reserve could diversify South Korea’s assets and bolster economic resilience, while a stablecoin could enhance its digital finance ecosystem. The global momentum is undeniable—Switzerland’s “Crypto Valley” and Japan’s yen-backed stablecoins are proof—and South Korea’s tech-savvy economy is well-suited to join the fray.

So, what’s my overarching take? We’re in a moment of profound transition. Geopolitical uncertainty, driven by Trump’s tariff dance and crypto ambitions, is clashing with traditional economic signals like yields, wages, and central bank moves. Markets are understandably skittish, and risk sentiment is likely to stay volatile until there’s more clarity—perhaps from tonight’s payrolls data or Trump’s upcoming White House Crypto Summit.

Personally, I’m skeptical of tariff-heavy policies delivering long-term gains; the collateral damage to trade partners and domestic confidence could outweigh the benefits. On crypto, I’m cautiously optimistic—governments embracing digital assets is a game-changer, but execution matters more than intent. For now, I’ll keep my eyes peeled and my notebook ready, because this story is far from over.

The post Global markets in flux: Trump’s tariff pause and bitcoin reserve shake sentiment appeared first on e27.

A recent study conducted by Filipino startup Packworks, in collaboration with the Philippine Institute for Development Studies (PIDS), underscores the critical role of sari-sari stores in fostering empowerment among Filipina entrepreneurs.

These small neighbourhood shops, which supply daily essentials to 94 per cent of Filipinos, function as more than just retail outlets. They serve as platforms for psychological, social, and economic empowerment for women micro-entrepreneurs, contributing significantly to inclusive growth.

Findings from the PIDS Discussion Paper Series No. 2024-50, titled Gender, Microentrepreneurship, Human Flourishing: Exploring the Experiences of Women Sari-Sari Store Owners toward Inclusive Growth, reveal that operating a sari-sari store provides women with a strong sense of self-confidence, purpose, and motivation.

Many women identify as entrepreneurs or business owners, taking pride in their ability to contribute to their families and communities. This self-perception fosters independence and fulfilment, reinforcing their social standing.

Beyond personal growth, sari-sari store owners benefit from enhanced social status within their communities. These micro-businesses act as community hubs, fostering relationships and social cohesion.

Women store owners often experience increased support from their families, further strengthening their role in the local economy. These findings align with Packworks’ previous research, which highlights that 75 per cent of owners are women, underscoring their influence in the country’s retail and social fabric.

Also Read: Global markets in flux: Trump’s tariff pause and bitcoin reserve shake sentiment

Additionally, many women micro-entrepreneurs demonstrate transformational leadership qualities, fostering self-reliance and agency within their communities. They serve as role models for others, showing that financial independence and personal growth are achievable even within a micro-business setting.

Barriers to economic empowerment

Despite their strong presence in the micro-retail sector, economic empowerment remains a challenge for many women sari-sari store owners.

Access to capital is a significant barrier, with many relying on personal savings, family loans, or informal lending schemes that often have high interest rates. A lack of awareness about formal micro-loan options further exacerbates the issue, limiting their ability to expand and sustain their businesses.

Addressing these financial hurdles requires improved access to formal microfinance solutions. Some initiatives, such as Packworks’ collaboration with Cebuana Lhuillier and 1Sari Finance Corp, have begun to bridge this gap by offering microfinancing solutions tailored to sari-sari stores. However, broader efforts are needed to ensure that women entrepreneurs can access sustainable financial support.

Political empowerment among owners remains ambiguous. Most women entrepreneurs have minimal engagement with the government, with interactions primarily limited to business registration and elections. However, the study indicates a willingness among these women to participate more actively in government-led business support programmes if they were more accessible and better communicated.

An information gap persists regarding government intervention programmes designed to support women micro-entrepreneurs. While various financial and skills development initiatives exist, many sari-sari store owners remain unaware of them.

Bridging this gap through targeted awareness campaigns and outreach efforts could enhance their ability to leverage available resources for business growth.

Also Read: Beyond the hype: Identifying AI opportunities for businesses

The role of technology

Technology plays an increasing role in enabling women sari-sari store owners to overcome traditional barriers. Packworks, a social enterprise working with approximately 200,000 sari-sari stores, utilises big data to help these micro-entrepreneurs make data-driven decisions and leverage market trends more effectively.

Other digital innovations further enhance the capabilities of women store owners. BanKo, a subsidiary of the Bank of the Philippine Islands, has introduced the e’Nay app, which connects sari-sari stores with supermarkets, delivery services, and banks.

Similarly, the Tindahan Mo e-Level Up Mo programme—led by the Department of Trade and Industry (DTI) in collaboration with the Philippine Association of Stores and Carinderia Owners (PASCO), Hapinoy, and GCash—focuses on improving digital literacy among micro-retailers.

E-commerce platforms also present opportunities for market expansion. The E-Taas ang Pinay MSMEs Campaign, backed by the United States Agency for International Development (USAID), DTI, and the National Confederation of Cooperatives (NATCCO), aims to equip women entrepreneurs with the skills needed to access online marketplaces such as Shopee, Lazada, and Facebook.

While this initiative targets micro, small, and medium enterprises (MSMEs) broadly, it highlights the growing importance of digital platforms in empowering sari-sari store owners.

—

Image Credit: JR Padlan on Unsplash

The post More than just corner shops: How sari-sari empower Filipina entrepreneurs appeared first on e27.

SmartSolar, a Vietnam-based energy-tech startup, has obtained US$1.85 million in a seed funding round jointly led by Picus Capital and 2degrees.

Iterative also participated.

SmartSolar aims to increase the adoption of rooftop solar systems among small and medium-sized businesses (SMEs) in Southeast Asia.

Also Read: An investor’s outlook on solar energy in emerging Asia

Despite the region’s abundant sunshine, only about 5 per cent of rooftops have solar panels, compared to countries like Germany, which have significantly higher adoption rates.

Within six months of its launch, SmartSolar claims to have installed almost 1MWp of capacity across numerous businesses in Vietnam and is rapidly expanding throughout the region.

Many business owners are concerned about rising electricity bills but lack the knowledge or confidence to invest in solar technology. Few banks in Southeast Asia are willing to provide loans for small-scale solar installations, and those that do often have lengthy approval processes and high interest rates.

SmartSolar addresses these challenges by offering solar systems with no upfront costs, fast approvals, and a customer-friendly approach. The company shares the savings from solar energy with its customers, ensuring mutual benefit.

Abhijay Thacker, Senior Vice President at Picus Capital, expressed enthusiasm for SmartSolar’s approach to providing clean and inexpensive power in Southeast Asia, believing it can generate significant value for customers and the environment.

Also Read: Swedish firm Trine backs Vietnamese solar energy startup Stride

Soren Wiberg Holm, Venture Lead at 2degrees, noted the surging local demand, favourable conditions, and strong policy support in Vietnam, considering the market for solar energy to be at a turning point. He also emphasised that SmartSolar is directly tackling a significant barrier to solar adoption among SMEs: access to upfront capital.

In June 2024, Stride, another Vietnamese solar energy company, secured US$3 million in a debt financing facility from the Swedish solar investment platform Trine to expand its capacity to fund customers’ clean-energy installations in partnership with local installers.

The post SmartSolar lands US$1.85M to help SMEs cut energy costs with solar power appeared first on e27.

(A slightly unhinged founder’s vision statement)

I’ve always believed that the future is worn, not just witnessed.

Maybe that belief started back when I was slinging yachts and convincing rich people to buy floating mansions out of the Acronis office. Maybe it solidified when I strapped a literal toaster to my head in the early VR days, running around looking like a Marge Simpson who let her hair loose one too many times.

Now?

Now I’m galloping into the next technological frontier, cowboy hat firmly planted, building AI wearables that make your so-called “smart glasses” look like a couple of cyborg lenses duct-taped together.

And why do I have to pay so darn much too?

But hold onto your cowboy hats, because we’re not just stopping at fancy glasses. We’re partnering with a secret Singaporean space company (yes, secret, because real innovation happens before the press releases) to meld satellite data with AI-powered POV (point-of-view) wearables.

Think: real-time geospatial intelligence, AI-enhanced mapping, and augmented satellite insights on-demand.

The wild (tech) west of AI wearables + satellite data

AI + satellite data = God mode for reality

Imagine wearing AI glasses that don’t just enhance what’s in front of you, they pull real-time insights from space.

• Walking through a city? Get instant structural integrity scans of buildings, see where traffic is forming before it happens.
• Working in agriculture? Get crop health insights from a combo of satellite imaging + AI-powered environmental scanning on your morning stroll.
• Disaster response? Our AI-powered wearables will integrate live satellite feeds, terrain analytics, and predictive models for first responders.
• Defense and security? POV glasses that sync satellite positioning with AI-driven geospatial overlays for real-time tactical intelligence.
• POV data-as-a-service? Training AI models for robotics, accessibility tech, and industry application.

Private AI networks that don’t spy on you (looking at you, big tech )

We’re building AI wearables with private, secure AI-driven analytics that don’t sell your data to the highest bidder.

Ugh, you know what is better?

• Enterprise dashboards: Custom, industry-specific intelligence feeds for logistics, security, and urban planning.
• Anonymised data processing: No big-brother surveillance nonsense. Just pure AI-enhanced insights processed on-device.
• Live risk assessments: Our AI models will analyse satellite and POV data in real time, detecting environmental risks, supply chain disruptions, and infrastructure weaknesses as they happen.

Also Read: Short runway, big dreams: Strategies for startups when growth outpaces funding

R&D: The cowboy code meets deep tech

We’re not just putting a new screen on your face. We’re not, really we are not. We’re looking at herding geospatial AI into uncharted territory. What we would like to do:

• Joint R&D with a Singaporean space lab to develop never-before-seen geospatial AI applications.
• Smart city integrations: Real-time mapping, terrain analysis, and energy efficiency tracking via AI glasses with our POV data.
• Pioneering new Earth observation models: Because why stop at seeing the world when you can remap it from orbit?

Why this partnership changes everything

By collaborating with Singapore’s most cutting-edge space innovators, we’re not just building another Metaverse company. (Did that word die yet?) We’re making Singapore the leader in AI-powered spatial intelligence. An industry-defining move that unlocks new revenue streams across geospatial analytics, wearables, robotics and defense-grade satellite monitoring.

We’re taking AI glasses from “Hey, that’s a cool party trick. Too bad that AI isn’t allowed in Singapore” to “Holy cow, this is a battlefield-grade intelligence engine that fits on my face.”

And yes, I’ll absolutely be demoing this while rocking my cowboy hat, reminiscing about my toaster-on-head days, and gearing up for the future of wearable tech that actually does something useful.

And we need space to do this here on earth.

It won’t happen overnight.

Building the future takes time, just like training a Paris 2020 Olympic Gymnast from age 12 in Singapore straight out of Toa Payoh.

But our slightly unhinged, ridiculously ambitious team is all geared up and ready to roll.

Let’s make history.

And look damn good doing it.

—

Editor’s note: e27 aims to foster thought leadership by publishing views from the community. Share your opinion by submitting an article, video, podcast, or infographic.

Join us on Instagram, Facebook, X, and LinkedIn to stay connected.

Image credit: Canva Pro

The post Riding into the future with cowboy hats, AI and wearables appeared first on e27.

Same thing. I’ve been closely following the whirlwind of events that unfolded on Wednesday, March 6, 2025.

The global risk sentiment has undeniably taken a turn for the better, and the epicentre of this shift is Europe—specifically Germany—where an audacious fiscal proposal has sent shockwaves through the markets. German bunds, typically seen as the bedrock of stability in European fixed-income markets, are on track for their worst sell-off since 1990.

This isn’t just a blip; it’s a seismic event driven by Chancellor Friedrich Merz’s bold pledge to channel hundreds of billions of euros into defense and infrastructure, with a “whatever it takes” stance that echoes Mario Draghi’s famous 2012 vow to save the euro. The sheer scale of this proposal has caught market participants off guard, and the upside surprise has fueled a mix of optimism and unease.

Let’s unpack what’s happening in Europe first. The German bund sell-off reflects a dramatic repricing of risk. Yields on 10-year bunds spiked to 2.69 per cent, a level that signals investors are demanding higher returns to hold German debt amid this unprecedented fiscal expansion. The debt brake—Germany’s constitutional limit on borrowing—seems to have been tossed out the window, a move that’s both a departure from Berlin’s long-standing fiscal prudence and a gamble on future growth.

Posts on X suggest bond vigilantes, those hawkish investors who punish profligate governments with higher yields, are already circling, sensing fragility rather than strength in this shift. Yet, the equity markets are telling a different story. The MSCI Europe index climbed 0.8 per cent, buoyed by the prospect of massive government spending lifting economic activity.

The euro, too, has flexed its muscles, with EUR/USD soaring to a high of 1.0796 before settling at 1.0790—a robust 1.56 per cent gain. This currency surge reflects confidence in Europe’s economic prospects, at least for now, though the spectre of inflation and debt sustainability looms large.

Across the Atlantic, the US markets are enjoying a reprieve of their own, thanks to President Trump’s decision to delay automotive tariffs on Canada and Mexico by a month. This move, coupled with hints of exemptions for certain agricultural products, has dialed back fears of an all-out trade war that had been simmering since Trump’s re-election.

It’s a pragmatic step—autos and agriculture are deeply integrated across North America, and tariffs would’ve hit US consumers as much as they’d hurt exporters in Canada and Mexico. European carmakers, already reeling from earlier tariff threats, saw their shares stabilise, though the damage from Tuesday’s sell-off lingers. On the data front, the ISM Services Index came in stronger than expected, with a notable uptick in employment growth.

In my opinion, this is a reassuring signal that the US economy isn’t teetering on the edge of recession, though all eyes are now on Friday’s payrolls report for confirmation. The MSCI US index rose 1.1 per cent, with the Materials sector leading the charge at 2.8 per cent, likely reflecting optimism about infrastructure spending and industrial demand.

Also Read: Shifting sands: How trade fears and crypto hopes are redefining markets

Bond markets in the US are also stirring. The 10-year Treasury yield climbed 7 basis points to 4.28 per cent, while the 2-year yield ticked up nearly 5 basis points to 4.00 per cent. This steepening yield curve suggests investors are betting on stronger growth and, potentially, stickier inflation down the road.

Commodities, meanwhile, are a mixed bag. Gold eked out a 0.1 per cent gain, propped up by a softer dollar, but Brent crude slid 2.5 per cent for a third straight session. OPEC+’s plan to ramp up output in April is weighing on oil prices, despite the improving risk sentiment elsewhere. It’s a reminder that not every corner of the market is riding the same wave of optimism.

Turning to Asia, China’s National People’s Congress (NPC) has set an ambitious 5 per cent growth target for 2025, a number that’s raised eyebrows and sparked hopes of more stimulus. The Hang Seng Index in Hong Kong surged 2.8 per cent on Wednesday and looks poised for further gains today, Thursday, March 6.

Asian equity indices are mostly in the green, reflecting a broader appetite for risk. China’s policymakers seem determined to turn the tide after years of economic headwinds, and markets are lapping it up—for now. Whether Beijing can deliver remains an open question, but the mood is unmistakably upbeat. US equity index futures, however, are pointing to a softer open, suggesting some profit-taking or caution after Wednesday’s rally.

Then there’s the crypto saga, which is grabbing headlines of its own. Bitcoin staged a remarkable 8 per cent surge, reclaiming the US$90,000 level after dipping below US$80,000 just five days ago. This rollercoaster ride is fuelled by speculation around Trump’s rumoured US crypto reserve plan—a bold idea that’s got the market buzzing. Technical indicators like the Directional Movement Index (DMI) and Ichimoku Cloud are flashing bullish signals, hinting that buyers are firmly in the driver’s seat.

The US$100,000 mark is tantalisingly close, but volatility is Bitcoin’s middle name, and the upcoming White House Crypto Summit could either propel it higher or spark a pullback. Speaking of the summit, Cardano’s Charles Hoskinson found himself snubbed from the invite list, though he’s brushing it off, claiming he’s still a behind-the-scenes player in shaping US crypto policy.

Michael Saylor, meanwhile, is doubling down on Bitcoin as the “only neutral asset” for a US reserve, dismissing XRP as a mere digital token. Ethereum, too, is on the mend, climbing from its US$2,000 support zone and eyeing a break above US$2,350. A rising channel on the hourly chart suggests momentum is building, but resistance at US$2,275 and $2,350 will test its mettle.

Also Read: Global markets steady as PCE data softens, Trump names Bitcoin in strategic reserve

So, what’s my take on all this? I’m struck by the sheer pace of these developments. Europe’s fiscal gambit is a game-changer—Germany’s shift from fiscal hawk to big spender could jolt the continent out of its economic doldrums, but it’s a high-stakes bet. The bund sell-off is a warning shot; if yields keep climbing, borrowing costs could choke off the very growth Merz is chasing.

Yet, the equity rally and euro’s strength suggest markets are willing to give it a chance. In the US, Trump’s tariff delay is a savvy move—it buys time and cools trade tensions, though it’s hardly a resolution. The economy looks resilient, but the payrolls report will be the real tell. Asia’s optimism hinges on China’s ability to follow through, and crypto’s wild ride is a microcosm of the broader risk-on mood.

If I had to pick a standout, it’s Germany’s bold pivot. It’s shaking up Europe in a way we haven’t seen in decades, and the ripple effects—higher yields, a stronger euro, buoyant stocks—could redefine the region’s role in the global economy. But risks abound: inflation, debt overload, and geopolitical uncertainty could derail this fragile recovery. For now, though, the world’s investors are riding the wave, and it’s one heck of a story to watch unfold.

The post Global economic shake-up: Bitcoin hits US$90K, German bonds slide appeared first on e27.

India’s fintech giant Razorpay has announced its expansion into Singapore, marking its second market in Southeast Asia. The company aims to enhance the country’s digital payments ecosystem by offering AI-powered, cost-efficient, and scalable payment solutions to businesses.

Singapore has emerged as a global payments hub, but small and medium-sized enterprises (SMEs) face challenges such as high transaction fees and fragmented payment systems. Cross-border transactions currently incur charges of four to six per cent per transaction, limiting business scalability.

Razorpay’s entry into the market seeks to address these issues by reducing transaction fees by 30-40 per cent and improving access to real-time payments.

Razorpay’s platform in Singapore will include several innovations tailored to the needs of local businesses:

– Multi-currency transactions and Real-Time Payments (RTPs)
– Agentic-AI toolkit
– RAY – AI concierge for payments
– Magic Checkout
– Expanded payment options

As part of its launch strategy, Razorpay is collaborating with banks, financial institutions, and regulators to ensure compliance with Singapore’s financial framework. The company’s suite of services, including payment gateways, cross-border transaction solutions, and real-time financial analytics, is now available to businesses in Singapore.

Also Read: How fintech is disrupting the Southeast Asian payments market

Shashank Kumar, Managing Director and Co-founder of Razorpay highlighted the strategic significance of this expansion. “As one of the most advanced digital economies, Singapore is an ideal market for our next phase of growth. Our AI-driven payments suite, including Agentic-AI and RAY, will redefine financial operations, offering seamless transactions and intelligent automation to enhance business efficiency,” he said.

Angad Dhindsa, Razorpay’s Southeast Asia Head, emphasised the importance of cross-border payments for Singaporean businesses. “With 30-50 per cent of online payments being cross-border, SMEs need cost-effective solutions that empower them to transact globally. Leveraging our expertise from India and Malaysia, we aim to provide seamless financial operations and real-time settlements for businesses in Singapore.”

At the launch event, Dhindsa outlined the company’s user acquisition strategy, which includes partnerships, word-of-mouth referrals, technological innovation, and collaborations with Indian businesses expanding into Singapore.

Razorpay has a global workforce of 3,000 employees, 60 of whom are based in Malaysia and 10 in Singapore. The company is actively expanding its team in Singapore as part of its commitment to strengthening the local digital payments ecosystem.

With Singapore’s continued push towards a cashless economy, Razorpay’s expansion signals increased competition and innovation in the digital payments sector. As businesses seek more efficient cross-border transaction solutions, the company’s AI-driven approach positions it as a key player in Singapore’s evolving financial landscape.

—

Image Credit: Razorpay

The post Razorpay expands into Singapore, addressing cross-border payment challenges appeared first on e27.

e27 has been nurturing a supportive ecosystem for entrepreneurs since its inception. Our Contributor Programme offers a platform for sharing unique insights.

As part of our ‘Contributor Spotlight’ series, we shine a spotlight on an outstanding contributor and dive into the vastness of their knowledge and expertise.

In this episode, we feature Kevin Shepherdson, CEO and Founder of Straits Interactive, a data privacy solutions provider in ASEAN. Recently recognised as one of Singapore’s top 10 generative AI startup leaders for 2025, Shepherdson is also the author of 99 Privacy Breaches to Beware of and a Fellow in Information Privacy (FIP). With extensive experience consulting for over 50 multinational companies, he is an authorised regional trainer for privacy certification and corporate governance courses at IAPP, Singapore Management University (SMU), and Open Compliance Ethics Group (OCEG).

Thoughts, goals, and journey

After a successful career in senior management at Creative, Sun Microsystems, and Oracle, Shepherdson sought a mid-career shift to pursue more meaningful and impactful work. During a one-year break, he was approached by Savills’ Managing Director to help address Singapore’s 2013 Do-Not-Call (DNC) registry compliance challenge.

This led to the creation of SpiderGate, a Do-Not-Call management solution that quickly gained traction among real estate and insurance firms, surpassing revenue expectations and generating over a million dollars in its first year. This success introduced him to privacy and data protection, laying the foundation for Straits Interactive. The company pioneered a blended model of training, consulting, and software solutions, achieving double-digit growth. During the COVID-19 pandemic, it pivoted from compliance to broader AI and data governance solutions.

Shepherdson said, “By 2023, the launch of ChatGPT revealed the transformative power of Generative AI. We partnered with Microsoft and Rackspace Technologies to introduce the industry’s first AI-powered Data Protection Officer Assistant. Our digital transformation efforts leveraging Gen AI earned us the Most Promising and Outstanding Startup Award in Singapore’s first National Startup award (ACE) .

Today, Straits Interactive has expanded further, offering Generative AI Capability-as-a-Service (CaaS), enabling non-technical professionals to build and deploy AI chatbots, tools, and tutors securely and effectively. The Generative AI landscape is largely driven by developers and data scientists, yet the majority of professionals (trainers, consultants, and entrepreneurs) lack technical expertise to leverage it effectively.” 

Shepherdson aims to bridge the gap in Generative AI, making it accessible, practical, and secure for businesses, educators, and professionals worldwide. His goal is to empower them to harness AI’s full potential effectively.

With expertise in data protection and data governance, he authored 99 Privacy Breaches to Beware of and has designed over 20 courses covering these areas, as well as Generative AI—focusing on its value, risks, and constraints. He is currently pursuing a Doctorate in Business Administration, specialising in Generative AI.

Also Read: A recap of e27 Contributor Programme’s noteworthy offerings in 2024

Speaking about the growing adoption of Generative AI, Shepherdson said, “With the rise of Generative AI, we are seeing a significant uptick in interest from business professionals, including those from public agencies. A growing number of non-technical professionals with domain expertise are eager to leverage Generative AI to enhance productivity and learning, signalling a major shift in AI adoption beyond traditional developers and data scientists.

Additionally, organisations are increasingly looking to integrate Generative AI with their internal data while addressing concerns about security, privacy, and compliance. A common trend we’re observing is that many organisations are using off-the-shelf AI tools (e.g., Microsoft Copilot) in a generic manner. Now, they are exploring the development of custom AI solutions tailored to their specific needs.

The emergence of DeepSeek and other open-source LLMs is further disrupting the AI landscape, making AI adoption more cost-effective and accessible. As a result, demand for expertise in prompt engineering has surged—our prompt engineering classes are consistently fully booked, and we leverage our Capabara platform to empower professionals in this area. This trend underscores the broader shift towards AI democratisation, where organisations and professionals across industries are moving from passive AI consumption to actively building and customising AI tools.” 

The driving force

Shepherdson is a valuable and active member of our contributor community, sharing his vast insights with the broader ecosystem. He said, “I’m passionate about bridging the gap between technology and business professionals, and being an e27 contributor allows me to share practical insights, demystify AI for businesses, and engage with fellow entrepreneurs. Through this, I hope to drive responsible, sustainable AI transformation and empower startups and enterprises to adopt and scale AI effectively.”

“e27 plays a crucial role in Singapore’s startup ecosystem, serving as a vital platform for entrepreneurs, investors, and innovators to connect, learn, and grow. As a founder working in AI governance and Generative AI adoption, I see e27 as an essential bridge between emerging technology and real-world business applications. Many startups struggle with responsible AI implementation, commercialisation, and ecosystem partnerships, and e27’s community-driven approach fosters the collaboration and thought leadership needed to tackle these challenges,” he added. 

Advice for budding thought leaders

Based on his experience in senior leadership positions and writing for various technology publications, Shepherdson advises aspiring thought leaders to focus on three key areas. He said:

• Engage regularly with stakeholders and the media

To establish yourself as a trusted industry voice, make it a habit to engage with your stakeholders—whether they are clients, partners, or industry peers. If opportunities arise, interact with the media (yes, I know it can be nerve-racking), but remember that thought leadership is more than just promoting your products and services. Instead, educate and provide value by sharing industry insights, trends, and expert opinions.

By doing this, you position yourself as a go-to expert, and when the media or organisations need an industry voice, they will think of you first.

• Participate in industry events and panel discussions

One of the most effective ways to build credibility is by actively participating in industry events, conferences, and panel discussions (I know it is time consuming). These platforms allow you to: share your expertise in a public forum, engage in meaningful conversations with industry leaders, and gain visibility and recognition for your insights.

Additionally, be generous with your knowledge (I know a few of my competitors — especially consultants and legal firms will charge for giving professional advice). Offer guidance and advice to those who seek it without expecting immediate returns. Thought leaders give before they receive, and by providing genuine value, you build long-term credibility and influence.

• Leverage Generative AI for communication—but thoughtfully

Generative AI can be a powerful tool to help structure your key points, refine messaging, and enhance your communication. However, never rely passively on AI-generated responses. Instead, use it as an idea-generation tool to: organise and articulate your thoughts more effectively, validate your insights with additional perspectives, and fine-tune the clarity and impact of your message.

According to Shepherdson, authenticity is key; thought leaders should share their own expertise and insights, not just AI-generated content, to build credibility and impact.

Also Read: Celebrating community-driven growth: Top 27 contributors of 2024

Juggling too many things?

According to Shepherdson, staying updated in the industry requires continuous learning and active engagement with emerging trends. He ensures this by designing new courses that cover the latest developments, pushing himself to stay deeply connected with industry shifts. His dedication to lifelong learning was recognised with Singapore’s SkillsFuture Fellowship, awarded by the President, honouring individuals who consistently upskill, mentor, and contribute to knowledge sharing.

As the leader of a Generative AI capability platform, Shepherdson is immersed in AI daily, collaborating with developers, consultants, and industry experts. Through extensive research, experiments, and real-world applications, he explores how Generative AI can drive innovation across sectors. National-level prompt design competitions have further exposed him to how learning institutions and SMEs are integrating AI to enhance productivity and education.

He also highlights the value of social media and podcasts in staying informed. Engaging with relevant videos or discussions helps professionals leverage AI-driven content recommendations, ensuring they remain up to date with industry advancements.

Take a look at his articles here for more information and perspectives on his expertise.

—

Are you ready to join a vibrant community of entrepreneurs and industry experts? Do you have insights, experiences, and knowledge to share?

Join the e27 Contributor Programme and become a valuable voice in our ecosystem.

The post Kevin Shepherdson: Transforming data privacy and AI governance in ASEAN appeared first on e27.

Environmental impact and governance have emerged as central factors in digital infrastructure decision-making, with a substantial proportion of IT leaders prioritising sustainability.

According to the 2024 Digital Infrastructure Report by Colt, 38 per cent of IT decision-makers report that environmental and governance factors drive all strategic decisions, while another 36 per cent acknowledge their influence.

This growing emphasis reflects the increasing role of Chief Information Officers (CIOs) and senior IT leaders in shaping corporate sustainability strategies, with 71 per cent having a direct role and nearly a quarter (24 per cent) owning their company’s entire strategy.

AI as a key enabler of sustainability

Artificial intelligence (AI) is playing an integral role in advancing sustainability strategies, with 22 per cent of CIOs stating that AI actively facilitates their environmental impact and governance initiatives.

A further 42 per cent recognise AI as having a modest influence, highlighting its growing integration into corporate sustainability efforts.

However, AI’s impact is not uniform across regions and industries; for example, 36 per cent of CIOs in Hong Kong view AI as a facilitator of sustainability, compared to just 13 per cent in Italy. The education sector reports a 38 per cent adoption rate, while in government and local government, this figure drops to 11 per cent.

Also Read: Cloud, community, and cost-Savings: GCS’s triple play for startup success

1. AI-driven capabilities for carbon reduction

One of AI’s most significant contributions to sustainability is its role in reducing carbon emissions. Tools powered by the technology are helping businesses optimise energy efficiency by enabling intelligent infrastructure management.

Generative AI, cited by 24 per cent of respondents, is particularly relevant in this space, as organisations increasingly rely on smart systems to manage energy consumption in response to growing digital service demands.

2. Network-as-a-Service (NaaS) and optimised resource use

A major way AI supports sustainability is through its facilitation of Network-as-a-Service (NaaS) features. The report finds that 58 per cent of CIOs credit AI with enabling on-demand network capabilities.

NaaS plays a crucial role in carbon reduction by allowing organisations to use only the bandwidth they need, minimising unnecessary power consumption. This model contrasts with traditional network infrastructure, which often results in excess capacity and wasted energy.

3. Strengthening security and supplier evaluation

Security enhancements driven by AI are another contributing factor to sustainability. Some 61 per cent of CIOs report that AI has facilitated investment in improved security infrastructure. While security improvements may not have an immediately apparent link to sustainability, optimised cybersecurity reduces disruptions that could lead to increased energy use.

AI also assists businesses in evaluating their suppliers, with 60 per cent of CIOs leveraging insights to reassess vendor partnerships. This capability allows organisations to select environmentally conscious suppliers, reinforcing the broader push towards sustainability within the digital infrastructure.

4. Improving data quality for sustainability reporting

Accurate data collection and reporting are crucial for tracking sustainability efforts, and AI is playing a pivotal role in this domain.

According to the report, 59 per cent of CIOs state that AI has improved data quality for environmental impact assessments and governance reporting. This enhanced data accuracy enables organisations to measure their progress effectively, refine their sustainability strategies, and ensure compliance with regulatory standards.

Moreover, improved reporting is instrumental in addressing Scope 3 emissions, which cover indirect emissions associated with supply chains and business operations.

Also Read: 1337 Ventures backs Arus Oil to drive Malaysia’s waste-to-energy revolution

Addressing AI’s own environmental impact

While AI is a valuable tool for advancing sustainability goals, its energy-intensive nature presents challenges. The report acknowledges that the rapid adoption is contributing to increased carbon emissions, underscoring the need for organisations to adopt sustainable practices.

As AI models become more complex and require greater computational power, companies must balance the benefits of efficiency with the environmental costs of maintaining large-scale AI operations.

Recognising the environmental implications of AI, network providers are offering guidance to CIOs on minimising related carbon emissions. The report highlights that 22 per cent of CIOs have received advice from their network providers regarding AI’s environmental impact, while 21 per cent are actively seeking such insights.

This collaboration between IT decision-makers and service providers is crucial in developing more energy-efficient AI solutions and aligning digital infrastructure with sustainability objectives.

AI is increasingly influencing corporate sustainability strategies, enabling more efficient resource management, enhancing data quality, and facilitating environmentally conscious decision-making. However, the disparity in adoption across different regions and industries suggests that its role in sustainability will continue to evolve.

As businesses seek to harness AI for sustainability gains, they must also address their growing energy demands and environmental footprint. By adopting strategic implementations and collaborating with network providers, organisations can maximise its potential while mitigating its associated challenges, ultimately contributing to a more sustainable digital infrastructure landscape.

—

Image Credit: Procreator Global UI UX Design Agency on Unsplash

The post AI is reshaping digital infrastructure for a sustainable future, but disparity in adoption persists appeared first on e27.

As I sit down to unpack the whirlwind of events shaping global markets on March 5, 2025, it’s hard not to feel the weight of uncertainty pressing down on us all. The headlines are buzzing with escalating trade tensions, bold economic proposals, and a crypto landscape that’s both thrilling and divisive. Let’s dive into this market wrap and explore what’s driving these shifts, what the data tells us, and where I think this rollercoaster might take us next.

The big story dominating the financial world right now is the trade standoff sparked by US President Trump’s decision to slap 25 per cent tariffs on goods from Canada and Mexico, alongside an additional 10 per cent on China. True to his campaign rhetoric, Trump has followed through, and the fallout has been swift.

Canada and China didn’t waste a moment, hitting back with their own retaliatory tariffs, while Mexico’s president has promised to join the fray by Sunday. The result? Global equities took a beating, with the MSCI US index dropping 1.2 per cent, dragged down by a bruising 3.5 per cent plunge in financials. It’s a grim picture, and you can almost feel the collective sigh from Wall Street as fears of a full-blown trade war loom large.

But here’s where it gets interesting. After the US markets closed, Commerce Secretary Lutnick dropped a hint that talks with Canada and Mexico might yield a compromise. That’s a lifeline for markets desperate for some stability, though I’m skeptical about how quickly this can be resolved.

Tariffs aren’t just numbers—they’re bargaining chips in a high-stakes game, and unwinding them could take time. Still, the mere suggestion of a deal nudged US equity futures upward, hinting at a brighter open today. My take? This feels like a temporary breather rather than a resolution. Trade wars don’t end with a single press conference—they fester, and I’d wager we’re in for more volatility before clarity emerges.

Also Read: How is open-source collaboration empowering Asia’s fastest growing markets?

Over in the bond market, the reaction was equally telling. The benchmark 10-year Treasury yield climbed over 3 basis points to 4.21 per cent, reversing an earlier dip, while the 2-year yield slipped 3 basis points to 3.94 per cent. This widening gap—known as a steepening yield curve—screams uncertainty to me.

Investors seem to be betting on inflation from tariffs pushing up long-term yields, while the drop in short-term yields suggests some are seeking safety or anticipating a slowdown. It’s a classic push-and-pull, and I can’t help but think it reflects a market grappling with mixed signals.

Shifting gears to Europe, Germany’s conservatives and Social Democrats have unveiled a jaw-dropping plan: a 500 billion euro fund for infrastructure and a rewrite of borrowing rules to ramp up defense spending. It’s a bold move, and the markets loved it—the EUR/USD shot up to 1.0627 overnight. Other European currencies like the Swiss franc, British pound, Norwegian krone, and Swedish krona followed suit, flexing their muscles as the US Dollar Index stumbled 0.9 per cent to 105.49.

This feels like Europe seizing a moment to assert itself amid global chaos, and I’m impressed by the ambition. If Germany pulls this off, it could spark a ripple effect, boosting infrastructure and jobs while shoring up defenses—a win-win that might just give the eurozone an edge.

Meanwhile, commodities are painting a different picture. Brent crude slipped 0.8 per cent to below US$70 a barrel, the lowest since last October, thanks to OPEC+ signalling output hikes in April. That’s a supply glut waiting to happen, and with trade tensions clouding demand, I’m not surprised oil’s taking a hit.

Gold, on the other hand, rose 0.7 per cent, buoyed by a weaker dollar and its timeless appeal as a safe haven. It’s a tale of two commodities—one sinking under practical pressures, the other shining as a hedge against the unknown. I’d argue gold’s climb is a sign that, despite some optimism, fear still lingers in the market’s underbelly.

Across the Pacific, China’s National People’s Congress kicked off with a gutsy 5 per cent growth target for 2025, tariffs be damned. Investors are laser-focused on spending plans, especially around AI, which could be a game-changer for China’s tech sector.

Asian equity indices mostly rose in early trading, and with Trump set to address Congress today, all eyes are on what he’ll say about trade and beyond. My gut tells me China’s playing a long game here—pushing growth while quietly adapting to external pressures. That 5 per cent target might be ambitious, but if they lean into AI and innovation, it’s not out of reach.

Now, let’s talk crypto, because this is where things get wild. Vietnam’s Prime Minister Pham Minh Chinh has ordered a legal framework for digital assets, with a draft due this month. It’s a big deal—right now, cryptos like Bitcoin and Ethereum exist in a legal no-man’s-land there, forcing businesses to register in places like Singapore or the US.

A clear rulebook could unleash a wave of activity, and I’m excited to see Vietnam stepping up. Indonesia’s crypto scene is already on fire, with transactions soaring to 44.07 trillion rupiah (US$2.68 billion) in January 2025—a 104.31 per cent jump from last year. With 1,396 assets tradable as of February, it’s clear Southeast Asia is becoming a crypto hotspot.

Also Read: From crypto euphoria to economic unease: A world on edge in March 2025

Hong Kong’s not sitting idle either. On February 19, its Securities and Future Commission rolled out the ASPIRe Framework—five pillars and 12 initiatives to grow and secure its virtual asset industry. It’s a smart play to cement Hong Kong’s status as a financial innovation hub, and I’d bet it’ll draw in more players. But the real crypto drama is brewing in Washington.

Trump’s pushing for a strategic cryptocurrency reserve, originally pitched as a way to use seized assets like the US’s US$16.4 billion in Bitcoin and US$400 million in other tokens. The twist? He now wants XRP, SOL, and ADA included—tokens the US doesn’t even hold yet.

That’s sparked a firestorm, with critics crying foul over government meddling in markets and supporters cheering a bold embrace of crypto. Personally, I’m torn. It’s a visionary idea, but buying those tokens could spike prices and invite accusations of favoritism. The logistics alone are a nightmare—how do you stockpile volatile assets without distorting the market?

Stepping back, what strikes me most is the sheer breadth of these developments. Trade tensions are shaking equities and bonds, Europe’s flexing fiscal muscle, and Asia’s charging ahead with crypto and growth targets. The data backs this up: the MSCI US down 1.2 per cent, EUR/USD at 1.0627, Indonesia’s crypto boom, Brent at US$70—all pieces of a puzzle showing a world in transition.

My view? We’re at a tipping point. Trade wars could drag us down, but compromises and innovation—like Germany’s fund or Asia’s crypto push—offer hope. The US crypto reserve is a wild card; if executed poorly, it could backfire, but done right, it might signal a new era for digital assets.

I think markets will stay jittery until trade talks clarify—watch Canada and Mexico closely. Europe’s plans could stabilise things if they deliver, and Asia’s crypto momentum might just steal the spotlight. Trump’s speech today could set the tone, but I wouldn’t hold my breath for miracles. This is a marathon, not a sprint, and as a journalist digging into the facts, I’d say buckle up—we’re in for a ride that’s as unpredictable as it is fascinating.

—

Editor’s note: e27 aims to foster thought leadership by publishing views from the community. Share your opinion by submitting an article, video, podcast, or infographic.

Join us on Instagram, Facebook, X, and LinkedIn to stay connected.

Image credit: DALL-E

The post Shifting sands: How trade fears and crypto hopes are redefining markets appeared first on e27.