In the fast-paced world of technology and startups, successful entrepreneurship demands a unique blend of tenacity, expertise, and strategic thinking. As founders and entrepreneurs, it is imperative to equip ourselves with proven knowledge and actionable insights that set us apart in this dynamic landscape.

This article delves into invaluable strategies and expert advice to help you build a solid foundation, secure funding, execute effective marketing campaigns, and scale your startup. Prepare to embark on a journey of entrepreneurial mastery in the ever-evolving tech sphere.

Begin with a strong market understanding

The bedrock of a thriving startup lies in identifying and validating market needs and problems. Rigorous market research and comprehensive analysis empower entrepreneurs to unearth lucrative opportunities that align with their vision and expertise.

Crafting a meticulous business plan is a strategic compass encompassing crucial elements such as goals, target market, competitive analysis, financial projections, and growth strategies. Just as an architect’s blueprint guides the construction of a masterpiece, a well-crafted business plan paves the way for a successful entrepreneurial journey.

Assemble a dream team

No entrepreneurial endeavour can reach its zenith without a cohesive and talented team. The process begins by handpicking passionate individuals who not only complement the founder’s strengths but also possess the specific expertise required for the venture.

The alchemy of talent, shared vision, and diversity in skills fuels collaboration, innovation, and a relentless pursuit of excellence. Cultivating a positive company culture establishes an environment where team members are motivated and inspired to contribute their best.

Have a clear fundraising strategy

In the nascent stages, bootstrapping becomes a viable strategy for entrepreneurs to maintain control and retain equity. Personal savings, loans, and support from family and friends act as the fuel to ignite their entrepreneurial journey.

Also Read: How business leaders can utilise generative AI in employee communications

However, for startups poised for significant growth, venturing into the realm of securing funding becomes essential. Crafting a compelling pitch deck supported by comprehensive market research and financial projections is pivotal in attracting venture capitalists.

Engaging with specialised investors who have a profound understanding of the industry and showcasing a unique value proposition, untapped market potential, and a scalable business model can elevate the chances of securing crucial capital.

In the quest for financial backing, entrepreneurs should also explore alternative funding sources. Angel investors, crowdfunding platforms, and government grants provide supplementary avenues for entrepreneurs to tap into. Each source possesses its own unique set of requirements and potential benefits. Adapting their approach to align with these funding sources not only expands the opportunities but also diversifies the financial backing, reducing reliance on a single channel.

Be clear about your brand message

In the ever-competitive tech sphere, successful marketing and branding strategies are paramount to stand out from the crowd. Precise and meticulous targeting takes centre stage as entrepreneurs define their ideal customers through the creation of comprehensive buyer personas and meticulous market segmentation. Understanding the needs, pain points, and aspirations of the target audience empowers entrepreneurs to tailor their products or service effectively, optimising their chances of success.

Crafting a compelling brand identity forms the cornerstone of a winning marketing strategy. A diligent investment of time and resources in developing a strong and memorable brand is a non-negotiable step. From a captivating logo to consistent branding across all touchpoints, an effective brand identity resonates deeply with the audience. Apple’s iconic branding, synonymous with simplicity and elegance, stands as a testament to the profound impact a well-crafted brand can have on consumer perception and loyalty.

Harnessing the power of digital marketing

In the digital age, entrepreneurs possess a treasure trove of marketing channels to amplify their reach. Through social media, content marketing, search engine optimisation (SEO), and targeted email campaigns, entrepreneurs can create engaging and relevant content that establishes a strong online presence. The versatility and potential of digital marketing lie in its ability to drive organic traffic, foster customer engagement, and cultivate brand awareness.

Also Read: Dear tech startups, it’s never too early for PR!

Scaling your startup

As entrepreneurs navigate the scaling phase, the ultimate key to success lies in prioritising customer satisfaction and success. By providing exceptional customer service, actively gathering feedback, and continuously iterating and improving their product or service based on customer needs, entrepreneurs forge strong bonds with their customer base. These satisfied customers become brand advocates, spreading positive word-of-mouth referrals and fueling organic growth.

Strategic partnerships are another vital component of scaling a startup. Collaborating with complementary businesses or strategic allies can unlock new markets, expand reach, and provide access to additional resources and expertise. Seek out partnerships that offer mutual benefits, enhancing both parties’ growth trajectories.

Innovation and adaptability are indispensable qualities for entrepreneurs in the tech sphere. The landscape is constantly evolving, and staying ahead of the curve requires a culture of innovation within the organisation. Encourage employees to think creatively, embrace calculated risks, and foster an environment that nurtures and rewards bold ideas.

Conclusion

Mastering entrepreneurship in the tech sphere is an exhilarating and challenging endeavour. By building a strong foundation rooted in market understanding, assembling a stellar team, and securing adequate funding, entrepreneurs can position themselves for success.

As startups scale, prioritising customer success and forging strategic partnerships become the cornerstones of sustainable growth. In the ever-evolving tech sphere, embracing innovation and adaptability ensures that entrepreneurs stay one step ahead.

As you embark on your entrepreneurial journey, remember that perseverance, resilience, and a growth mindset are key attributes of successful founders. Continuously seek knowledge, learn from both successes and failures and surround yourself with mentors and peers who can guide and inspire you.

The path may be challenging, but with the right strategies and a passion for innovation, you can thrive in the exciting world of entrepreneurship and make a lasting impact in the tech sphere.

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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

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This article was first published on May 29, 2023

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Financial stress is a silent productivity killer that affects employees worldwide. According to the VISA Earned Wage Access 2022 survey, 84 per cent of employees experience financial stress, often resulting in borrowing at high-interest rates and reduced productivity.

Employers can now break this cycle with Earned Wage Access (EWA), an innovative solution that provides employees with on-demand access to their earned wages anytime, anywhere. Paywatch is a financial services company that offers EWA in Malaysia and South Korea and is at the forefront of this trend in Asia.

Empowering employees with flexible payroll

EWA, also known as flexible payroll, allows employees to access their earned wages without incurring any interest or fees. The global EWA market is predicted to reach US$20 billion by 2027, and Paywatch is leading the way towards financial inclusivity in Asia.

What sets Paywatch apart from other EWA solutions is that it is the only bank-backed and regulator-approved EWA solution in Asia, which ensures fair pricing and consumer protection. By working with banks, Paywatch provides employees with access to financial services from these institutions.

Also Read: Why earned wage access is the future of pay

Productivity boost for employers

Paywatch is dedicated to creating a sustainable workforce while reducing rehiring fees for employers. By providing EWA, employers can give their employees the financial security they need to be empowered and perform at their best without worrying about their long-term financial health.

Kai Zen Au, Managing Director at Kenny Hills Hospitality Group, said, “If we can remove some of the financial pressures that employees face in their daily lives, it allows them to be more productive and happier at work. Paywatch helps them just be a little bit more happy, mindful, and present at work, which obviously increases productivity.”

The success of Paywatch’s EWA has been proven to improve employee retention rates for both SMEs and MNCs in Malaysia. Businesses have reported reduced turnover rates of up to 75 per cent, resulting in saving over US$500,000 in annual rehiring fees.

Real-life user story: Stand under EWA umbrella

At Paywatch, they understand that life is not always sunshine and rainbows, but EWA acts like an umbrella providing a safety net for employees during tough times.

For Mohd, a lorry driver in Malaysia, Paywatch’s EWA solution came in handy during a family emergency. “There was an emergency to go back to my hometown when my mother-in-law wasn’t well,” he shared. “With Paywatch’s EWA solution, I was able to access my earned wages instantly without having to borrow money from anyone else.”

By providing financial flexibility and stability through EWA, Paywatch is helping employees to manage their finances better, deal with emergencies, and avoid high-interest loans.

More than a financial service

“EWA is more than a financial service; it’s a force for positive change.”

Paywatch’s commitment to providing convenient, accessible financial services has earned them the trust of large brands such as KFC, Pizza Hut, and Lotus’s, as well as growing brands like Kenny Hills Bakers and BilaBila Mart.

Also Read: Malaysian earned wage access startup Paywatch bags US$9M for Philippines, HK expansion

In just two years, Paywatch’s EWA solution has achieved rapid growth, serving more than 200,000 employees globally and processing over US$1,200,000 in monthly wages through its app. Paywatch has set the foundation for its expansion throughout Southeast Asia in 2023, with recent initiatives including a Shariah-Compliant endorsement in Malaysia, a digital partnership with VISA, and bank partnerships in Indonesia and the Philippines.

Looking towards a financially inclusive tomorrow

Paywatch’s commitment to transforming the landscape of employee benefits is positively impacting both employees and employers. With their EWA solutions, Paywatch is not only taking care of the financial health of employees but also creating a sustainable and fulfilled workforce.

As we move towards a future that values employee well-being, Paywatch is leading the way towards a financially inclusive tomorrow.

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This article was first published on June 9, 2023

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Artificial intelligence (AI) is transforming the banking industry, revolutionising numerous sectors incredibly. ChatGPT, an OpenAI-developed generative pre-trained transformer language model, is one well-known AI technology that has attracted much attention.

ChatGPT and the debate

However, some argue that implementing AI in banking may lead to job losses and decreased personalised customer service. While ChatGPT and other AI technologies bring both opportunities and challenges to the banking industry, it is essential for banks and financial institutions to carefully evaluate their potential impact and effectively incorporate them into their operations and service offerings.

Generative AI, including ChatGPT, has notably contributed to the banking sector, particularly commercial lending. It has revolutionised lending processes by automating certain tasks and enabling faster and simpler lending decisions. However, as with any technological advancement, it also introduces new challenges.

One concern is the increased potential for sophisticated fraud, such as creating phoney images or false information. Large banks have already taken measures to address these concerns by banning the internal use of ChatGPT to ensure data privacy, cybersecurity, and system access.

Moreover, the rise of generative AI has sparked anxiety about replacing human employees in creative and cognitive roles. While AI tools like ChatGPT can significantly streamline processes, it is crucial to recognise that they lack empathy and emotional intelligence, essential for successful deals and customer interactions. Human expertise, experience, and emotional intelligence still play a significant role in credit assessment, loan management, and other crucial banking functions.

ChatGPT in commercial lending: Streamlining processes and driving Efficiency

To fully capitalise on the potential benefits of generative AI in commercial lending, lenders need to address these concerns and find ways to integrate AI tools harmoniously with their human workforce.

Generative AI can serve as a valuable asset in identifying problems early, assessing creditworthiness, detecting fraud, generating products, providing feedback on credit applications, and making financial analysis and forecasting decisions. It is important to view it as an addition to human knowledge, not a replacement.

ChatGPT, specifically designed as a chatbot for fintech, offers tremendous potential for commercial lenders to streamline their processes and enhance customer experiences. ChatGPT can produce responses to user inputs and questions that resemble those of a human by utilising sophisticated machine learning algorithms.

Also Read: Is ChatGPT a great invention or is it being ‘hyped’?

This makes it possible for programs to generate content, translate languages, and respond to inquiries. Clear and concise prompts, providing context, and understanding the model’s limitations are crucial for effectively utilising ChatGPT to its fullest potential. In addition to its language capabilities, ChatGPT can be integrated with other technologies, such as voice assistants and chatbots, to create seamless and personalised customer interactions.

With its ability to continuously learn and adapt to new data, ChatGPT has the potential to revolutionise how businesses interact with their customers. However, companies must prioritise transparency and ethical considerations when implementing AI technologies like ChatGPT.

Ensuring user data is protected, and the model is not perpetuating harmful biases is essential for building customer trust. ChatGPT is a powerful tool for enhancing customer experiences and improving business operations through intelligent automation.

It is important to note that ChatGPT should be part of a larger decision-making process and should not be relied upon solely. Evaluating ChatGPT’s results in the context of other information and expert opinions is necessary to ensure accurate and informed decisions.

Additionally, staying updated on ChatGPT and other AI technologies is crucial, as new use cases and applications may emerge, offering even greater value to users.

The potential benefits of ChatGPT in the financial services industry are substantial. By processing vast amounts of data and providing personalised financial advice and support, AI tools like ChatGPT have the power to revolutionise the banking industry.

It is projected that by 2025, the AI market in banking will exceed US$20 billion. Experts predict that chatbots and AI-powered virtual assistants, like ChatGPT, will significantly impact the expansion of the financial industry. These powerful tools offer customers a personalised and seamless experience while saving financial institutions significant money.

Chatbots and virtual assistants have already become popular features in the banking industry, allowing customers to access information and complete transactions through a simple conversation easily. With AI technology constantly improving, these chatbots will become even more sophisticated, able to handle complex inquiries and offer personalised financial advice.

In addition to improving the customer experience, AI-powered chatbots can help financial institutions reduce costs by automating routine tasks such as account balance inquiries and fraud detection. As the demand for these services continues to grow, we can expect to see more financial institutions adopt AI-powered chatbots and virtual assistants to stay competitive in the market.

With projections showing exponential growth in the AI market for banking, it’s clear that these technologies are here to stay and will continue to shape the industry’s future for years to come.

Some of the key benefits of ChatGPT include personalised customer service, assistance in decision-making, and automation. It can deliver real-time assistance, leading to higher customer satisfaction, lower churn rates, and increased loyalty. Financial advisors and investment managers can leverage ChatGPT to make informed decisions about clients’ portfolios, considering risk tolerance, investment goals, and market trends.

ChatGPT’s automation capabilities can streamline processes such as account opening and onboarding, reducing manual labour and increasing efficiency. The platform’s personalised customer service can enhance the client experience by providing tailored recommendations and solutions to meet individual needs.

With ChatGPT, financial institutions can offer a seamless and modernised approach to wealth management that caters to the demands of today’s digital-savvy consumers. By leveraging cutting-edge technology like artificial intelligence and natural language processing, ChatGPT can help financial advisors and investment managers stay ahead of the curve in an ever-evolving industry.

Also Read: Adapting to automation: Embracing no-code platforms for job security

Ultimately, ChatGPT is poised to revolutionise how financial institutions interact with their clients by providing a comprehensive solution combining automation, personalisation, and informed decision-making.

Addressing concerns and maximising the potential of AI

The applications of ChatGPT in the banking industry are diverse, including customer service, investment advice, portfolio management, risk management, compliance, insurance underwriting, and content generation for marketing and advertising.

By harnessing the power of AI, financial institutions can unlock new possibilities and improve various aspects of their operations. ChatGPT can assist banks in delivering personalised customer service by analysing customer data and providing tailored solutions to their needs.

It can also provide investment advice by analysing market trends and predicting future market movements. Portfolio management can be improved by using ChatGPT to monitor investments and make real-time adjustments based on market changes.

Using AI to recognise potential risks and proactively mitigate them can improve risk management. Using ChatGPT to keep track of regulatory changes and update policies as necessary can ensure compliance.

Insurance underwriting can be streamlined using AI to assess risk factors and determine appropriate coverage levels. Finally, ChatGPT can also generate content for marketing and advertising purposes, helping financial institutions reach their target audience more effectively.

Overall, the applications of ChatGPT in the banking industry are vast, and its potential benefits are significant for both financial institutions and their customers.

It is imperative to acknowledge that ChatGPT and other AI technologies have limitations and challenges. One of the most significant concerns is the possibility of bias in the data and algorithms utilised by ChatGPT, which can result in unfair or inaccurate outcomes.

Addressing this issue requires close monitoring and scrutiny of the training data, ensuring complete transparency and clarity regarding the algorithms and models used, and implementing robust security measures to safeguard against data breaches and other security risks.

At OpenAI, the usage and sharing of ChatGPT’s model are strictly regulated to ensure a helpful, fair, and safe experience for all users. Any content involving hate speech, discrimination, pornography, urging violence or illegal behaviour, or the unauthorised sharing of personal information is forbidden.

Their policies are strictly followed through human oversight of generated content and using filters and algorithms to identify and delete inappropriate content. They assure us they always maintain a positive and secure user environment.

So finally, to sum it all up, ChatGPT and other AI technologies hold immense potential for the banking industry. By effectively integrating generative AI into their processes and systems, banks can enhance efficiency, improve customer experiences, and unlock new growth opportunities.

However, banks and financial institutions must address concerns related to data privacy, cybersecurity, bias, and ethical considerations. AI should be viewed as a complement to human expertise and experience, and banks must find ways to leverage both AI tools and their human workforce harmoniously. By doing so, banks can navigate the evolving landscape of AI and position themselves for success in the digital banking era.

Final thoughts

AI has the potential to revolutionise the banking industry, enabling banks to streamline operations, reduce costs, and improve customer experiences. However, it is important to recognise that AI does not replace human intelligence and judgment. Instead, banks should view AI as a tool to augment their human workforce and enhance their capabilities.

This requires a strategic approach integrating AI into existing processes and workflows while investing in employee training and development programs. By doing so, banks can create a culture of innovation and collaboration that enables them to stay ahead of the curve in an increasingly competitive market.

Ultimately, the key to success in the digital era of banking will be finding the right balance between AI and human expertise, leveraging both to deliver superior value to customers while also driving operational efficiency and growth.

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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 our e27 Telegram group, FB community, or like the e27 Facebook page

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This article was first published on May 30, 2023

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For marketing to be more than just a blur of micro-interactions, brands must confront the paradox that speed alone doesn’t guarantee acceptance. If I were starting over, here’s how I’d approach the profession.

Twenty years ago, when I started my career as a brand analyst, marketing moved at a vastly different pace. Back then, a single minute might have sufficed for sending an email, returning a phone call, or preparing the next print campaign. Social media platforms were either nascent or non-existent, and artificial intelligence was little more than an intriguing concept in academic papers. 

Today, that same 60 seconds powers an entire marketing ecosystem — 200 million emails sent worldwide, 700 hours of video uploaded to YouTube. And by the time you’ve finished reading this sentence — one minute — it has all happened again.

AI-driven campaigns now personalise messages in real time, contributing to a digital advertising spend of US$700 billion, which now accounts for 73 per cent of total ad revenue. Programmatic advertising — where machines handle auction-based ad placements — dominates 90 per cent of digital display ads.

This is not just a question of scale; it is also one of speed and sophistication. Short-form video platforms like TikTok, YouTube Shorts, and Instagram Reels claim 70 per cent higher engagement than long-form video, and 73 per cent of Gen Z consumers discover new brands first through social media. 

In many ways, marketing has never been more efficient — content marketing can produce three times more leads than traditional outbound approaches like cold calling, often at 62 per cent lower cost. Yet amid these statistical triumphs, a vital question lingers: does greater efficiency translate to true effectiveness? The short answer is, not always. 

Acceleration vs acceptance

Metrics of digital trust reveal a more complex reality — only 50 per cent of US consumers trust the brands they engage with online. Meanwhile, traditional media still commands significantly higher credibility, with print advertising at 82 per cent trust, television at 80 per cent, direct mail at 76 per cent, and radio at 71 per cent.

Closer to home, the Edelman Trust Barometer highlights a similar divide. Despite the ubiquity of social media in Singapore, concerns over data privacy and misinformation persist, with trust levels hovering at just 37 per cent. In contrast, traditional media enjoys a far stronger standing, with 67 per cent trust — well above the global average of 62 per cent .

Amid the digital cacophony, brand trust has become a rare quality. For marketing to be more than just a flurry of micro-interactions, brands must confront a crucial paradox: acceleration alone does not guarantee acceptance. In fact, to truly thrive in this era of relentless speed, we may need to slow down — to go far, not just fast.

Also Read: Preparing for the unexpected: Succession planning and legal considerations for startup founders

Going further with social intelligence, cultural capital and a builder’s mindset

First, no matter how many data points we analyse or channels we leverage, the most sophisticated campaigns can still fall short without one crucial element: social intelligence. This is the ability to read human contexts, empathise with diverse perspectives, and align technology with real, lived experiences.

Ironically, it is exactly this “slower,” more observant approach — listening before broadcasting, observing before optimising — that builds the trust that technology alone cannot supply.

Secondly, if I could rebuild my circle of competence from the ground-up, I would devote more hours to studying history, economics, and linguistics — disciplines that illuminate how societies evolve and interact. Technology does not exist in a vacuum; it is launched into cultures shaped by centuries of tradition, policy decisions, and linguistic conventions.

By studying the broader context into which a product or campaign enters, marketers can better predict how it will be received or why it might fail to resonate. In a digital race for share of voice, context — not just content — truly is king.

Thirdly, marketers are often told, “We don’t make products; we tell stories.” While that may have been true for an earlier era, the democratisation of digital tools now empowers even non-technical marketers to engage directly in design and engineering fundamentals.

Today’s brand custodians must speak the language of wireframes, user journeys, data dashboards and code repositories, enough to collaborate meaningfully with low-code developers and UX designers. When marketers have a hand at building the brand experience from inception, they can ensure brand storytelling truly remains coherent across platforms.

How to think about your career in marketing 

Given these reflections, how should you approach your own path as an aspiring marketing professional? Here are three general principles that I subscribe to:

• Long-termism over quick wins

When people ask whether investing in team members is “worth it” if they might leave, I always recall the saying: The greater danger is not training them and having them stay. For young professionals entering the marketing industry, the reverse is also true.

The real challenge isn’t just chasing quick wins, seeking immediate gratification, or job-hopping in pursuit of rapid advancement. It’s about building a reputation and carrying yourself in a way that makes you a worthwhile investment—one that employers like me recognise as invaluable.

Also Read: Hiring for your startup: The 5 key attributes of entrepreneur archetypes

• A purpose larger than self

Man’s search for meaning is ultimately a yearning for significance, not just success. True significance comes from being part of something larger than yourself – whether it’s a cause, a purpose, or a mission. Choose an employer not just as a place to work, but as a platform, a giant on whose shoulders you can stand to contribute to something greater.

I was fortunate to lead communications and public affairs for Asia Pacific at Tableau Software (now part of Salesforce) where we helped more people across the region see and understand data. At PSB Academy, Asia’s leading private education group, we championed greater access to quality education for those overlooked by the mainstream system.

Now, at Temus, a homegrown digital services start-up, I’m part of a leadership team building a tech multinational enterprise that Singapore might proudly call our own, one that also creates digital opportunities for locals with no prior IT background through our novel tech career conversion program, Step IT Up Singapore. Recruitment for the program’s next intake starts later this month. Remember that whatever path you choose, anchor yourself to work that matters. 

• Know-who wins

Someone at my parent firm, Temasek Holdings once shared, “Knowledge is great, know-how is better, but know-who is best.” Meritocracy should reward competence, but in reality, relationships extend your professional reach and open new doors. That said, whether it is forging alliances with industry peers or connecting with mentors who have walked your path, recognise that your network is a tangible reflection of your merit – people believe in you enough to partner with you. 

“Compete with the Immortals!”

David Ogilvy, a founding father of modern advertising, famously said, “In the modern world of business, it is useless to be a creative, original thinker unless you can also sell what you create.”

In that spirit, bridging the gap between academia and industry comes down to application — build a portfolio, volunteer for causes that matter to you, and pursue internships that stretch your abilities. Surround yourself with people who challenge you — professors, mentors, colleagues — and as Ogilvy himself put it, “compete with the immortals!”

By approaching a career in marketing with social intelligence, cultural capital, and a builder’s mindset, I hope that you’ll position yourself not just to keep pace with change, but to add to a purposeful profession that effectively shapes it.

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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.

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There’s something about a legacy company that people love to write off.

Too big. Too slow. Too corporate.

But I’ve got a different take.

Old titans?

They don’t just fade away. They adapt.

They evolve. And when they decide to move, they don’t walk, they steamroll.

There’s a tech giant in town, one that spent decades building the infrastructure that powers the world. It dominated enterprise computing. It scaled AI before half of these startups even existed. It watched trends come and go, but now?

Now, it’s watching the next revolution unfold.

And it’s not about to sit this one out.

The future isn’t in servers, it’s in space

It’s in your hands and you can see right through it.

For years, tech has been shifting.

AI isn’t trapped in the cloud anymore.

It’s happening in real-time, on the edge. AI glasses aren’t just a gimmick. They’re about to be the most powerful interface we’ve ever seen. And data? The smartest players aren’t sending it to someone else’s server.

They’re keeping it locked down, running private AI models that no one else can touch.

That’s where this old titan comes in. It’s been quietly assembling something big. Not just another AR headset. Not just another AI chip. But a system. An entire ecosystem where AI, wearables, and real-time geospatial intelligence collide.

This isn’t just about slapping a screen on your face and calling it the future. This is about turning AI glasses into something that actually works for business, security, defense, and the people who need data without Big Tech watching over their shoulder.

The plan: AI-powered wearables, space intelligence, and total control over your data

It starts with edge AI—powerful, local processing that doesn’t rely on the cloud.

It layers in real-time satellite data, feeding critical intelligence straight into the hands (and eyes) of the people who need it most.

The visually impaired.

Also Read: Are retail malls dead? Time for big tech to disrupt landlords at their own game

And it locks it all down with private, enterprise-grade security, so companies aren’t handing over their most valuable asset—their data—to the highest bidder.

Most companies are too busy chasing the next hype cycle. This one is building the future from the ground up.

The big question: Can a legacy titan win in the new world?

There’s an entire generation of tech founders who think history started in 2010. They build their entire business on third-party infrastructure, outsource their core tech, and call themselves pioneers. Meanwhile, the companies they write off?

They’ve been here the whole time. Owning the patents, building the hardware, running the backbone of the internet. And when they decide to move?

It’s not a pivot. It’s a takeover.

So, the next time you hear someone say, “That company is old. They’re not relevant anymore,” pay attention. Because if they’re still around after decades of disruption?

They’re not weak.

They’re patient.

And they’re about to make their next move.

Can you guess who it is?

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In rural Japan, entire neighbourhoods stand frozen in time. Their wooden sidings bear the damage of years of neglect. These abandoned homes, or akiya, are more than vacant structures—they reflect Japan’s architectural heritage, shaped by generations of craftsmanship. Yet, with rural depopulation accelerating and property information scattered across fragmented systems, many of these homes remain overlooked and eventually crumble or are destroyed.

It’s not that there’s no interest in akiya. Foreign buyers are increasingly drawn to Japan’s rural charm and traditional architecture. Property listings on major real estate platforms show a steady rise in inquiries from overseas, with buyers looking for affordable countryside retreats.

Traditional kominka offers craftsmanship and design principles that are rare in modern construction. Features like tatami flooring, shoji screens, and no-nail interlocking wooden beams highlight Japan’s respect for natural materials and spatial harmony. These homes are a tangible link to the country’s history.

Yet, despite their cultural significance, Japanese buyers typically avoid akiya. Many prefer new homes due to cultural attitudes toward used properties. Renovation costs and legal complexities further deter local interest. Additionally, younger generations moving to cities have little incentive to maintain rural homes that they may never live in. As a result, an estimated nine million homes sit empty, with projections that this number could reach 15 million by 2030.

Akiya2.0 recognises that foreign buyers may be a timely spearhead in the movement to stop these properties from falling into disrepair. However, the process of acquiring and restoring akiya is anything but straightforward.

The scale of the technical challenge

Japan’s decentralised property management system creates inconsistencies in how akiya data is stored and shared. The country has 47 prefectures and 1,718 municipalities, each with its own listing process. Some use PDFs, others maintain simple websites, and many rely on completely independent and sometimes “not at all logical” data structures.

Also Read: Lewis Ng replaces Hari V. Krishnan as PropertyGuru CEO

Traditional data aggregation approaches struggle with this fragmentation. Listings exist in multiple formats, requiring customised solutions to extract, standardise, and organise them into a structured framework. Web scraping alone falls short, given the diversity of data sources. The challenge isn’t just technical—it requires understanding how different regions handle property records.

Language barriers further complicate access. Property listings, legal paperwork, and negotiations are conducted almost entirely in Japanese. Translating documents isn’t just about language; it’s about legal nuances and cultural differences that make direct machine translation unreliable.

To address these challenges, Akiya2.0 has developed a legally compliant data acquisition system. Instead of relying on unreliable shortcuts, we’ve engineered specialised crawlers to interface directly with each municipality’s data structures. Our platform also simplifies translation, making traditional homes more accessible.

Early results have been promising. In our first 12 target prefectures, our methods have uncovered a broader range of listings than many established platforms. Many of these properties had been difficult to find through conventional searches. While not every listing is complete, each one adds to a growing pool of restoration opportunities.

Innovation for future impact

Our work extends beyond current listings. We are helping to shape how property technology evolves. The custom algorithms we’ve built to handle multiple listing formats—ranging from PDFs to web tables—are generating a structured reference dataset that can then be parsed by regular filtering routines, or which provide a standardised data set for upcoming AI agents.

Japan’s real estate databases lack standardisation, with irregular update cycles and inconsistent record formats. Our system dynamically adapts, processing updates, removals, and additions while maintaining data integrity. Future plans include integrating municipal data with tax records, ownership logs, and zoning laws. This would enhance transparency, helping buyers assess a property’s status, renovation costs, and legal constraints upfront.

Also Read: Building the future: Up-skilling and empowerment in India’s real estate boom

Beyond transactions, structured datasets have applications in real estate analytics, predictive modelling, and urban planning. By converting analog records into machine-readable formats, we improve vacancy tracking and market analysis. AI-driven models can identify trends in property abandonment, forecast vacancy rates, and optimise revitalisation strategies. Many have asked when such predictive functionality will become available—while not yet fully operational, this goal is very much a work in progress at Akiya2.0.

A mission beyond real estate

Restoring an akiya affects more than just the owner. For buyers, it means acquiring a piece of Japan’s history. For local towns, each revitalised home helps stabilise neighbourhoods and encourages economic activity. On a larger scale, preserving these properties helps maintain Japan’s architectural identity for future generations.

Every restored akiya contributes to broader cultural preservation. While challenges remain, the potential for revitalisation is clear. Communities benefit, and architectural traditions are maintained.

At a time when urbanisation often overshadows tradition, these homes offer a rare intersection of past and future. They demonstrate that connection and community still exist in overlooked places. More importantly, they show how technology can help bridge history with those who will preserve it. Technology isn’t just about innovation—it’s also a tool for ensuring that physical pieces of our past continue to be lived in and cared for.

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In today’s hyper-connected world, citizens expect public services to be as seamless as private sector experiences. Whether it’s accessing healthcare remotely, engaging with government agencies, or navigating multilingual communication, real-time solutions are no longer optional; they are essential.

Singapore is ahead of the curve, The Digital for Life movement, for instance, has benefitted over 400,000 Singaporeans by equipping them with essential digital skills to thrive in a connected world. This digital evolution is not just about implementing new technologies, but about redefining how citizens engage with government service in real time.

However, equipping citizens with digital skills is only part of the equation. Public services must also evolve to provide real-time, seamless interactions that match these advancements—where instant access to government services, AI-driven support, and multilingual communication become the new standard.

A truly citizen-centric approach goes beyond digitisation; it ensures that government services are seamlessly integrated into daily life, making interactions with public agencies more responsive and effective. One of the key enablers of this transformation is real-time communication (RTC), a technology that facilitates instant, high-quality interactions between citizens and government entities.

Singapore’s Smart Nation initiative has redefined how public services cater to its diverse population. From telemedicine reducing unnecessary hospital visits, AI medical assistant to multilingual translation breaking language barriers, real-time communication (RTC) technology has been the invisible backbone of this transformation.

Enhancing RTC solutions for Singapore citizen service

While Singaporeans have made remarkable strides in addressing RTC challenges through initiatives such as improved connectivity and secure digital frameworks, gaps still remain in ensuring seamless real-time communication for diverse needs.

Low-latency video and voice technology is revolutionising how public services communicate with citizens, ensuring seamless, real-time interactions. In healthcare, AI-powered virtual doctors are expanding access to medical consultations, enabling citizens to receive timely support regardless of their location. By integrating AI-driven diagnostics with real-time doctor-patient interactions, these solutions enhance medical accessibility, particularly for underserved communities.

Also Read: Top 5 strategies on how startup founders can drive healthy, rapid growth in an uncertain economy

Ensuring these interactions remain smooth and effective requires robust technological support. Advanced solutions such as AI-powered noise suppression, speech-to-text (STT), text-to-speech(TTS) and multilingual translation help eliminate communication barriers, making telehealth services more inclusive and efficient. Real-time communication platforms, like those enabling ultra-low latency video and voice capabilities, ensure clear doctor-patient conversations, regardless of language or background noise.

AI-powered RTC is redefining how citizens interact with essential services. The next evolution is not just seamless communication, but proactive, AI-driven solutions that anticipate needs before they arise.

For AI-driven citizen services to be truly inclusive, real-time interaction technologies must be scalable, secure, and context-aware. Innovations in low-latency video, AI-powered speech recognition, and multilingual translation are bridging communication gaps in healthcare, education, and even public services. Companies specialising in RTC, such as Agora, are enabling these advancements by building the next generation of intelligent, seamless interactions.

Beyond essential services, real-time communication is also reshaping public spaces, ensuring citizens can engage with digital services in dynamic and meaningful ways. Libraries, for example, are evolving into interactive digital hubs, leveraging AI-powered tools to make knowledge more accessible and engaging. Initiatives like the National Library Board’s (NLB) LAB25 reimagine public learning spaces through immersive technologies, bridging the gap between digital advancements and public knowledge.

Also Read: The human touch endures: Why AI won’t replace all blue-collar jobs

The future of digital libraries relies on ultra-low latency communication between humans and AI, ensuring seamless, high-quality interactions in AR/VR applications. These technologies enable immersive library experiences where users can interact with AI-driven content or explore archives in virtual reality.

For digital services to evolve, they must prioritise seamless and immersive experiences that go beyond traditional interactions. AR/VR-driven solutions can transform libraries and public spaces from static information hubs into dynamic, interactive environments that enhance how people learn, connect, and experience culture in real-time.

The future of citizen-centric digital services

As Singapore continues refining its Smart Nation vision, RTC will play an even greater role in shaping the future of citizen-government interactions. By prioritising accessibility and leveraging cutting-edge RTC innovations, Singapore continues to set a global benchmark for citizen-first digital governance.

As AI-powered RTC evolves, the real challenge will be moving beyond accessibility to creating truly adaptive, citizen-first experiences. The future of digital governance will not just be about providing services—it will be about anticipating citizen needs in real time, ensuring that technology strengthens inclusivity, trust, and public engagement.

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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 courtesy of the author.

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Startup team, assemble! It’s time to tap into a performance hack that’s been under our noses all along — our body clocks. Dr. Till Roenneberg’s groundbreaking research on chronotypes doesn’t just apply to individuals; it’s a gold mine for team dynamics as well.

The chronotype spectrum: Your team’s internal timetable

Think of your team as a band, each member with a unique rhythm contributing to a collective symphony. Here’s how it plays out:

• Larks: Your morning maestros, ready to tackle the world before most hit snooze.
• Owls: Your night-time ninjas, brainstorming and building while the city sleeps.
• Third birds: The adaptable core, peaking with the sun high in the sky.

The team chronotype zone: When collective genius peaks

Harnessing your team’s chronotype zones means you’re setting the stage for collaborative fireworks when everyone’s at their cognitive best.

• Mapping out the team’s chronotype: Chart out each team member’s chronotype. It’s like knowing who’s a sprinter or a marathoner and planning the relay race to perfection.
• Syncing schedules for synergy: Align your collective tasks — like brainstorming sessions and sprints — during overlapping chronotype zones. You’re looking for that sweet spot when larks are still soaring, and third birds have joined the flight.
• Respecting the rhythms: Honour your owls’ late-night sparks. If larks are early birds, let them catch those worms. Then, pass the baton to your owls, who are just hitting their stride.
• Individual tasks in personal prime time: Empower team members to dive into deep work during their own chronotype zones. They’ll produce better quality work in less time.
• Cross-chronotype collaboration: Foster a culture where larks and owls can leave notes for each other. When one’s day ends, the other’s begins, creating a 24-hour cycle of productivity.

Tactical team breaks: The ultradian rhythm strategy

Every 90-120 minutes, our brains naturally seek rest. Respect these ultradian rhythms. Encourage short, restorative breaks to prevent burnout and keep the team sharp.

Also Read: How and why you should embrace neurodiversity at the workplace

• Brain-friendly breaks: Promote activities that dial down the mental load. Meditation, stretching, or a communal laugh can rejuvenate the mind.
• The power of the pulse: The pulse works with breaks. A concentrated work session followed by a collective breather can sustain momentum and foster team unity.

The startup advantage: Agile chronotype

In the startup world, agility is everything. By embracing the diversity of chronotypes, you can operate around the clock without burning out any single member.

• Asynchronous workflows: Create systems that thrive on staggered schedules. This way, work continues to flow, and handoffs are seamless.
• Chronotype-conscious meetings: Schedule full team meet-ups when everyone is likely to be in their chronotype zone, ensuring engagement and energy are high.
• Open communication channels: Keep a clear line for updates and handovers. Tools like Slack or Asana can be your best friends here.

Why this matters for your startup team

In the push to innovate and disrupt, your team’s well-being and peak performance are non-negotiable. Chronotyping isn’t just about personal productivity; it’s about optimising the entire team’s output without sacrificing work-life harmony.

Putting it into practice

Start with a team chronotype workshop. Get to know each other’s rhythms and plan your workflows accordingly. Experiment, iterate, and find your collective groove.

The bottom line

Embracing your team’s chronotypes means you’re not just working hard; you’re working smart, in harmony with the natural rhythms of human performance. This could be your startup’s edge in the competitive arena. It’s a strategy that respects individuality while capitalising on collaboration.

So, are you ready to turn your team into a well-oiled machine tuned to the rhythm of success? Let the power of chronotypes lead the way to your startup’s symphony of peak performance.

—

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 our e27 Telegram group, FB community, or like the e27 Facebook page

Image credit: Canva

This article was first published on November 14, 2023

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I like to think of networking, connecting, or meeting new people as me finding my energy circles. I’m curating a circle of people who either:

• Think like me
• Have learnings and ideas that I can bounce off with
• Have done something I have, or am looking to do in the future

Being a connector is essentially gathering everyone you know who falls into one or many of those buckets as you, bringing them together and letting more like-minded folks meet each other.

We find our people, and then we build our tribe. But this is often easier said than done.

As a self-proclaimed extroverted introvert, there are times when these interactions are second nature to me and other times when I assume a different persona to be more effective. Sometimes I end up in extended seasons of introspection, or even question the boundaries between my personal and professional life.

It’s a balancing act. Let’s dig into all that.

The post How this introvert started a community of women investors in SEA appeared first on e27.

Dear reader,

Sea Limited’s latest financial results paint a picture of strong growth and profitability, but a closer look reveals a more complex story.

Shopee’s GMV surpassed US$100 billion, yet its Q4 growth rate lagged behind the full-year average—potentially signalling a slowdown.

Meanwhile, SeaMoney is expanding aggressively, but soaring marketing expenses and rising credit risks could impact margins. Even Garena, with a resurgence in bookings, is struggling to drive higher user spending.

As Sea positions itself for sustained growth, its ability to balance expansion with financial discipline will be critical.

Investors and industry watchers will be keeping a close eye on how the company navigates these challenges in the months ahead.

Sainul,
Editor.
—

NEWS & VIEWS

Sea Limited’s 2024 results: A deep dive beyond the headlines
While Sea’s Q4 and full-year 2024 results present a picture of growth and profitability, a detailed analysis reveals potential challenges and strategic shifts.

Airwallex acquires Vietnam-based CTIN Pay
The deal aims to strengthen Airwallex’s licensing footprint across key Asia-Pacific markets, including Australia, Singapore, Hong Kong, Malaysia, New Zealand, mainland China, and Japan.

Malaysian proptech firm LiveIn acquires RedDoorz’s rental brand
KoolKost is a long-term accommodation brand in Indonesia that serves long-term travellers, students, and workers with budget-friendly accommodations | The acquisition includes 27 properties across six cities.

Oyo sets US$126.5M profit for FY26 after G6 Hospitality deal
G6 Hospitality operates Motel 6 and Studio 6 in the US | The company estimates G6 Hospitality will contribute US$72.46M to its EBITDA, helping raise Oyo’s combined EBITDA to US$230M.

SmartSolar lands US$1.85M to help SMEs cut energy costs with solar power
Lead investors are Picus Capital and 2degrees | Within six months of its launch, SmartSolar claims to have installed almost 1MWp of capacity across numerous businesses in Vietnam.

Indian cross-border payment firm Razorpay expands into Singapore
Razorpay’s platform in Singapore will include several innovations tailored to the needs of local businesses, including multi-currency transactions and real-time payments, AI toolkit, and AI concierge for payments.

East Ventures, Temasek Foundation launch CIIC 2025 to boost climate tech innovation
CIIC offers a total prize pool of US$620K for piloting solutions to tackle ecological challenges and mitigate the impacts of climate change.

1337 Ventures backs Arus Oil to drive Malaysia’s waste-to-energy revolution
The startup provides convenience solutions for households, F&B, and hoteliers to recycle their UCO waste | It claims to have collected over 2M kilograms of UCO across the Klang Valley.

Funding Societies, Boss Boleh to help Malaysian SMEs overcome financing, admin challenges
Startups and SMEs that have been operational for less than a year can access digital term or invoice financing supported by Funding Societies.

AI for SMEs: Indonesia and Google partner on Gemini Academy
Integrating AI into business strategies will provide SMEs with valuable insights into market trends and consumer preferences.

Cortical Labs unveils CL1: The world’s first commercial biological computer
CL1 aims to enhance drug discovery and testing, improve personalised medicine, and aid in early disease detection.

Peak XV investor departs after 9 years
Shraeyansh Thakur indicated his intention to pursue an entrepreneurial venture, though specifics remain unclear | Thakur joined in 2015, working with startups like Meesho, CARS24, and Unacademy.

FEATURES & INTERVIEWS

Bridging the gender gap in GenAI learning: Strategies to get more women involved
Encouraging more women to pursue GenAI education requires coordinated efforts from educators, businesses, and governments.

Regulating AI in Asia Pacific: Can companies keep up?
Research suggests that firms pioneering responsible artificial intelligence could see an 18% increase in AI-related revenue.

Driving the future: How Auve Tech’s autonomous shuttles are reshaping urban mobility
Looking ahead, Estonia-based Auve Tech is set to launch a renewed shuttle model with enhanced autonomous capabilities.

AI is reshaping digital infrastructure for a sustainable future, but disparity in adoption persists
By adopting strategic AI implementations, organisations can maximise AI’s potential while mitigating its associated challenges.

FROM THE ARCHIVES

How to kill a startup in one move
Startup founders should own the sales process early to stay connected to customer insights and drive growth before scaling.

A startup founder lives on the ‘Edge Of Tomorrow’
The article compares startup founders’ challenges to those in the movie, emphasising persistence and learning from failure.

VC deal-breakers: How anti-dilution clauses could sink your startup
Every term sheet is negotiable, and it’s in your best interest to seek legal counsel to ensure your startup’s future remains secure.

Preparing for the unexpected: Succession planning and legal considerations for startup founders
Consult your startup lawyer to ensure succession clauses are properly incorporated and aligned with your startup’s needs.

Why inclusive hiring matters for a startup ecosystem
A truly inclusive workplace is one where Persons with Intellectual Disabilities (PWIDs) are able to learn, thrive and be respected.

Beyond growth: Why succession planning matters for startups
Implementing a robust succession plan helps startups maintain a talent pipeline, retain institutional knowledge, and ensure seamless transitions.

‘Step Zero Before the Hustle’: The psychology of entrepreneurial success
The book explores the psychology of entrepreneurial success, offering insights to build confidence, resilience, and essential startup skills.

Governing your startup: What founders can learn from politics and vice versa
It would benefit the startup community to look at itself not only as a niche business ecosystem but as one woven into the fabric of society.

Breaking down geography-based salary for your global teams
Geography-based pay comprises many complex factors, which is why it is crucial to acknowledge various approaches to implement these policies.

Cracking the code: Decoding 4 myths in Indonesia’s startup realm
This article highlights four common misconceptions that founders might have that can either make or break a startup.

Cultural intelligence (CQ): The key to unlocking success in global workspaces
CQ is the cornerstone of this ability, helping us lead, connect, and collaborate with people who bring diverse perspectives to our teams.

Our workplaces have changed a lot recently: Now here is the problem
The concept of work is blurring, it may seem like a minor issue, but it’s just the tip of the iceberg as we herald in the new normal.

Enhancing employee well-being and retention in Southeast Asian businesses
The success of any organisation in Southeast Asia relies on its ability to effectively support and engage its employees.

With AI comes huge reputational risks: How businesses can navigate the ChatGPT era
Navigating the benefits of AI technology requires balancing its advantages with the need to mitigate reputational risks.

Building a resilient sales team: Lessons from the trenches
This article covers building a sustainable sales culture through people-first leadership and long-term growth strategies.

THOUGHT LEADERSHIP

Big moves in Singapore space finance 2025
The space industry is poised to reach a trillion dollars—Singapore is ensuring it leads, not watches from the sidelines.

Can autonomous delivery vehicles handle the chaos of real roads?
The logistics sector is advancing toward a future where autonomous delivery is both feasible and optimised for diverse roads and weather.

Pakistan’s carbon market: A new opportunity for startups and SMEs
Pakistan’s involvement in the world carbon market offers an opportunity for economic growth as well as an environmental one.

Riding into the future with cowboy hats, AI and wearables
We’re making Singapore a leader in AI spatial intelligence, unlocking new revenue in geospatial analytics, wearables, and robotics.

Global economic shake-up: Bitcoin hits US$90K, German bonds slide
Germany’s bold fiscal pivot is shaking global markets, driving bond sell-offs, equity rallies, and a stronger euro amid shifting risk sentiment.

The post Ecosystem Roundup: Sea Limited’s 2024 results unpacked | Airwallex acquires CTIN Pay | LiveIn buys RedDoorz rental brand appeared first on e27.