Starting a new company comes with a steep learning curve. Statistically, nearly 90 per cent of startups fail, and about two in ten businesses collapse in their first year. These sobering figures highlight why it’s critical for aspiring founders, startup accelerators, and tech entrepreneurs to understand the mistakes first-time founders make.

By learning from common startup mistakes and steering clear of them, new businesses can increase their chances of success. In practice, many industry experts note that the mistakes first-time founders make tend to cluster around areas like market misjudgment, funding, and team building. For example, ignoring market risk is the single biggest reason companies fail.

We’ll explore why poor market research, weak financial discipline, team and product issues, and other flaws rank among the biggest mistakes entrepreneurs make, and how they translate into startup mistakes to avoid. For aspiring entrepreneurs, understanding the biggest mistakes first-time founders make — by learning from insights like these — can greatly increase their chances of success.

Market and product mistakes

One of the biggest mistakes is skipping market validation. Entrepreneurs assume their idea will sell without verifying demand, instead of taking the time to validate your idea with real customers. Building a product that “no one wants” is a classic first-time founder mistake. Not doing enough customer research is one of the startup mistakes; Ryan Carrigan of moveBuddha notes that many new owners “underestimate how competitive their market can be” when they skip research.

Founders should identify a clear customer need and test assumptions early. Ignoring early user feedback is one of the startup mistakes to avoid since continuous customer input is key to finding product-market fit. Just understanding the competitive landscape and listening to prospects helps new startups avoid costly mistakes.

Planning, strategy, and execution mistakes

Not planning is another big mistake. Many first-time founders dive into execution without setting clear goals or a roadmap. Pursuing “vague business goals” is “one of the biggest mistakes new business owners can make. Without defined objectives, teams can drift and waste resources.

Launching without a business plan is a critical oversight — without a business plan it’s much harder to know what to do next. Founders should write even a rough plan to outline their vision, target market and key milestones. This discipline helps avoid strategic mistakes; in essence it highlights which startup mistakes to avoid early on.

Financial management mistakes

Money makes or breaks a startup. Poor financial management is the number one culprit in early failures. Review42 reports that 82 per cent of failed startups didn’t manage their cash flow properly. For example, mismanaging cash flow is often cited as one of the biggest mistakes entrepreneurs make early on.

Common mistakes include underestimating runway, overspending on fixed costs (office space or salaries) or neglecting basic bookkeeping. The number one reason businesses fail is running out of money. Founders must build conservative budgets, track burn rate and secure enough funding or reserves to weather slow periods. In short, budgeting and smart spending are startup mistakes to avoid — without them even a great idea will run out of steam.

Team and hiring mistakes

The people you work with matter a lot. Team issues are one of the mistakes first-time founders make. Data shows nearly a quarter of startup failures are due to poor team fit or culture.

Common mistakes include hiring too fast — for example, taking the first candidate who says yes — or not defining roles clearly. Hiring too fast usually backfires: inexperienced hires or cultural mismatches can kill productivity and morale.For example, poor hiring practices are one of the biggest mistakes entrepreneurs make because the wrong team can derail execution. Founders should hire deliberately, focusing on needed skills and shared values.

Avoid nepotism or hiring unvetted acquaintances is one of the startup mistakes to avoid; a thoughtful hiring process and clear role definition are key. Advisors or mentors can help fill in the blind spots. Overall building a strong well matched team is key to avoiding early mistakes.

Advice, feedback, and adaptation mistakes

Where founders get advice and how they adapt based on feedback can create pitfalls. Taking well-meaning but ill-informed advice is dangerous. First-timers will hear lots of opinions, but few apply universally. Founders should be skeptical of tips from friends and family who lack startup experience. Instead, founders should consult seasoned entrepreneurs or industry mentors. Equally, ignoring customer feedback is a fatal error.

“Embracing feedback and continuous iteration is the best way to prevent rookie errors.” — Joseph Chukwube, founder of StartUp Growth Guide.

For example, treating every suggestion as gospel is one of the biggest mistakes entrepreneurs make, because it can lead a startup down the wrong path. Skipping early user interviews or dismissing beta tester input is a startup mistake to avoid; continuous customer input is essential for refining the product. In short, balancing advice with market data helps avoid making mistakes.

Growth and scaling mistakes

Getting the pace of growth right is tricky. Many new founders swing to the extremes. Growing too fast — by ramping up hiring or expenses prematurely — can collapse a startup if systems aren’t ready. Expanding headcount or burn rate faster than revenue can cause serious cash shortages. Conversely, some teams grow too slowly, delaying product launch or market expansion until momentum is lost.

A related pitfall is ignoring marketing: underestimating long-term marketing expenses is one of the biggest mistakes entrepreneurs make”, since even the best product needs promotion. Founders should scale in step with demand, building processes for each stage. Staying flexible — and pivoting when needed — is key. Failing to pivot is not a failure; it’s resilience”. In practice, recognising these hazards helps new teams identify which startup mistakes to avoid and prepares them to scale responsibly.

Founder burnout and personal mistakes

Many oversights come from personal strain and mindset. First-time founders work crazy hours, thinking that hustle solves everything. But research shows productivity plummets beyond a certain point. Beyond about 50 hours a week, extra effort yields minimal return. Chronic overwork leads to burnout, bad decisions and health issues.

Likewise personal biases or overconfidence can introduce errors. For example skipping rest or ignoring work-life balance is a common startup mistake that leads to burnout and bad decisions. Founders should schedule downtime, delegate effectively and maintain perspective. Avoiding burnout and arrogance is one of the startup mistakes to avoid; a clear mind and balanced life help good judgment.

Conclusion

The biggest mistakes first-time founders make are simple: underestimating the market, not planning and mismanaging resources. By knowing these common mistakes new founders can avoid them. Key takeaways are to validate assumptions with real users, write a basic business plan, budget carefully, hire wisely and be flexible.

Learning from past failures is priceless. Ultimately turning mistakes into lessons gives first-time founders an advantage: by knowing what mistakes entrepreneurs make and following the advice, many of the early mistakes become stepping stones. For aspiring founders just knowing what to avoid can make all the difference in building a strong startup.

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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.

This episode features Sebastian Tai Jian Haw, a digital and e-commerce strategist with 13+ years of experience driving growth at Abbott, Mettler-Toledo, and Lazada.

He mentors students through GMI and supports talent development in the e-commerce industry, helping young professionals navigate digital careers with confidence. With deep expertise in B2B, marketplaces, and transformation, he also joined the Antler Cohort to validate an AI-enabled engagement platform for the pharma sector and expand his startup knowledge.

Sebastian joined our contributor community in June and has been actively contributing since. Over the past quarter, his writing has explored themes across startup leadership, digital transformation, and the health and medtech sectors in Southeast Asia. With a cross-disciplinary background, he brings a practical and thoughtful lens to some of the region’s most dynamic challenges.

In the sections below, he reflects on his journey, the lessons he’s learned, and what keeps her going.

How I got here

I once left a steady company for a faster track and a bigger role. On paper, it looked like a bold career move. Six months later, the startup shut down.

That experience didn’t break me, it refined me.

I stopped chasing titles and started pursuing alignment. Every step since has been more intentional, more grounded, and more human.

If I had to explain my work to a kid

I help people and companies become better versions of themselves.

Imagine if your favourite toy shop knew exactly what made you happy and surprised you with it. I help businesses create that kind of experience for their customers.

I also support individuals who feel stuck. Some need help getting strong again, like in gym class. Others just need someone to remind them of their value.

My job is to help people grow: in work, in life, and in confidence.

Lessons learned along the way

I used to think success meant moving up. Now I know it’s about moving forward. Sometimes that means sideways. Sometimes through.

My path has taken me from food science to restaurant trainee, to high-growth roles in e-commerce and digital transformation, to startup validation, and even personal training.

Reinvention isn’t the backup plan anymore. It’s the real plan.

Also Read: The power of automation: How Sabrina ‘Princessa’ Wang uses AI to create time for what matters most

What more people should notice

We often glorify disruption and overlook relevance.

While exploring a startup idea at Antler, I focused on how pharma brands could better engage doctors in underserved markets. It wasn’t flashy, but it was real.

The real opportunity often lies in solving unglamorous yet deeply important problems. The kind that rarely make headlines but quietly change lives.

Why I write

I’ve mentored students and young professionals, and I’ve seen how isolating it can feel to be in the middle of change. Writing became a way to pass the torch and offer the kind of clarity I once needed.

I usually write when something I’ve lived through keeps echoing in my mind. That is when I know it is no longer just for me.

My advice for aspiring thought leaders

Speak from experience, not performance. The most powerful messages come from real moments, not rehearsed lines.

Whether I am mentoring, coaching, or leading teams, I have learned that clarity, honesty, and purpose connect more than polish ever will. Say it like it matters, because to someone, it will.

What drives my curiosity

I’m fascinated by what makes people begin again. Whether it’s someone returning to the gym, rebuilding after burnout, or chasing a dream that scares them, I’m drawn to the quiet, private moment when they choose not to give up. That is the kind of strength I never stop learning from.

Influences that shaped me

Michelle Obama taught me to lead with honesty. James Clear sharpened how I think about habits and momentum. Percy Jackson, yes, the teen demigod, reminded me that even unlikely heroes have a place, and that strength often begins with self-doubt.

My late mother-in-law showed me that dignity does not ask for attention. My parents modelled persistence without needing praise. And my four cats have taught me the value of stillness, boundaries, and knowing when to walk away.

Take a look at Sebastian’s articles here for more insights and perspectives on his expertise.

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In this fireside chat at Echelon Singapore 2025, Nicko Widjaja of BRI Ventures explored the evolution of Indonesia’s startup ecosystem. The conversation, moderated by Michael Smith of Oracle, traced key phases, from the B2C boom to the disruptions of COVID-19 to the ongoing challenges, such as fraud.

Widjaja emphasised the importance of healthy valuation practices and warned against the “zero-sum game” mindset that fuels inflated valuations. He contrasted the Silicon Valley model with State Ventures’ strategic approach, which is focused on market access rather than rapid exits.

The discussion highlighted a pivot toward AI and blockchain technologies, signalling a shift from traditional IPOs to tokenisation and Web3 frameworks. Governance and due diligence were underscored as critical foundations for sustainable innovation. The session concluded with a call for recalibrated investment norms that reflect regional realities and a maturing ecosystem.

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Singapore has emerged as the Silicon Valley of Southeast Asia.

With its robust intellectual property (IP) framework, tax incentives, global connectivity, and pro-innovation governance, it offers fertile ground for AI-driven startups aiming to commercialise intangible assets.

Whether you’re building large-scale machine learning models or developing proprietary algorithms and digital services, Singapore’s legal and economic infrastructure provides strategic advantages for scaling and protecting your ideas.

Startups today don’t just compete on product; they compete on ideas. And in the AI space, ideas are intangible, complex, and highly replicable—making IP protection not a legal formality but a competitive moat.

Singapore understands this nuance deeply. That’s why its positioning as a launchpad for AI ventures is not just about capital or connectivity, but about building systems that help protect, monetise, and export innovation.

Launching an AI startup in Singapore: Six IP essentials

• Incorporate in Singapore and conduct R&D locally

Why it matters: Incorporation unlocks access to the Enterprise Innovation Scheme (EIS), IP Development Incentive (IDI), and other IP-focused tax relief.

Action: Create a Singapore entity or partner with accelerators like SGInnovate to root operations in a jurisdiction known for digital IP strength.

This isn’t just about tax efficiency. By anchoring R&D in Singapore, startups can also access top-tier talent from local universities, plug into tech-driven public sector pilots, and join ecosystems where regulators are actively co-developing frameworks with innovators.

• Secure IP early via IPOS digital services

Why it matters: Protecting algorithms, data models, and training datasets is essential for valuation.

Action: Use IPOS Digital Hub to file patents, trademarks, and copyrights efficiently. Fast-track options include the Accelerated Initiative for Artificial Intelligence (AI2) and FinTech patent routes.

Also Read: Singapore ranks second globally in AI readiness, leading Asia Pacific

Most AI founders underestimate the value of early-stage IP filings. But even provisional applications—particularly for unique datasets or training processes—can later become cornerstones of valuation during funding rounds or acquisitions. Filing early also signals seriousness to investors who increasingly scrutinise IP defensibility.

• Design an IP strategy that enables monetisation

Why it matters: Beyond protection, IP can serve as a growth lever through licensing, franchising, and collaborations.

Action: Leverage IP Business Clinics the IP Office of Singapore to translate your portfolio into revenue channels. Singapore supports cross-border IP flows and commercialisation.

Founders should stop thinking of IP as a shield and start thinking of it as an engine. Licensing your APIs, white-labelling your algorithms, or bundling services under a patent portfolio can create recurring revenue streams. Some of the most enduring AI companies aren’t the ones that scale fastest, but those that convert IP into compounding income.

• Build a defensive IP perimeter

Why it matters: IP litigation can derail early growth. Strong protections upfront mitigate future disputes.

Action: Utilise border enforcement programs and register with Singapore Customs. For high-stakes issues, the World Intellectual Property Organisation’s Arbitration Centre (WIPO) and the Singapore International Commercial Court (SICC) provide resolution pathways.

In AI, the risk isn’t just copycats—it’s data leakage, training model misuse, and competitive espionage. A defensive perimeter isn’t just patents; it includes NDAs, employee IP clauses, and operational hygiene. Singapore’s ecosystem allows founders to harden their startups early, avoiding expensive litigation down the line.

• Expand internationally through treaties

Why it matters: If your AI product has global ambitions, Singapore’s participation in WIPO, the Paris Convention, and Patent Cooperation Treaty (PCT) means streamlined international protection.

Action: Singapore is a member of WIPO, the Paris Convention, and the PCT. File once via PCT to enter multiple markets.

Singapore’s alignment with international IP treaties isn’t just bureaucratic—it provides AI companies with first-mover advantage in fast-growing emerging markets across Asia, the Middle East, and beyond. Global ambitions must be matched by global protections, and Singapore offers that runway.

• Tap public support for IP-heavy innovation

Why it matters: Government grants reduce capital risk during R&D and go-to-market.

Action: Apply for grants under Startup SG Tech and EDB’s R&D incentives. Monitor IPOS and EnterpriseSG for tech pilot calls and IP acceleration programs.

Don’t just chase VCs. Singapore’s public sector often acts as the first believer—providing both credibility and early capital. For AI companies building foundational infrastructure, this can mean the difference between surviving the valley of death or scaling with confidence.

The AI lab: A Singapore case study

As AI adoption accelerates across industries, the recent collaboration between the Singapore Government, Nanyang Polytechnic (NYP), and Kokua Technologies to launch a dedicated AI Lab signals a shift toward more applied, sector-specific experimentation.

By focusing on use cases like live video commerce and cross-border payments, the lab reflects a growing recognition that AI innovation doesn’t just happen in research papers — it happens when public institutions and private players align to test ideas in-market.

Also Read: AI is changing work in Singapore — Confidence is the missing link

Such initiatives offer more than infrastructure. They create pathways for startups to validate products, access IP expertise, and tap into talent networks — all critical to turning prototypes into scalable solutions.

This initiative also reflects a larger trend: the convergence of IP development, use-case testing, and AI productisation within a single, state-supported sandbox. Such labs serve as safe zones where startups can prototype with institutional partners, validate ideas, and generate valuable IP—before entering the market.

Final thoughts: Innovation needs infrastructure

Singapore’s IP frameworks aren’t just defensive, they’re catalytic. When combined with its grants, treaties, and digital governance, the country becomes a natural launchpad for AI solutions destined for global markets.

As AI models become commoditised, differentiation will come from proprietary data, problem-specific applications, and intelligent distribution. All of which hinge on one thing: well-protected, scalable IP. Singapore’s playbook doesn’t just support this reality—it accelerates it.

For founders with ideas to protect and scale, Singapore doesn’t just welcome innovation, it knows how to safeguard 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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An estimated five per cent of the global adult population suffers from metabolic dysfunction-associated steatohepatitis (MASH), a progressive form of fatty liver disease that often goes undetected until it’s too late. MASH (formerly known as nonalcoholic steatohepatitis or NASH), is the advanced stage of what used to be known as metabolic dysfunction-associated steatotic liver disease (MASLD, formerly known as non-alcoholic fatty liver disease), which is caused by fat buildup in the liver that leads to inflammation and scarring — and if left untreated, it can quietly progress to cirrhosis, liver failure, or even cancer.

Despite its severity, over 90 per cent of MASH cases are undiagnosed. Not because the condition is rare, but because it rarely causes symptoms early on. As a result, MASH has become one of the largest undetected health burdens, costing over US$125 billion in the United States alone annually, with that figure projected to double by 2040.

This is not just a clinical issue. It’s an infrastructure issue. We’ve lacked the tools to screen early, easily, and at scale. But that’s beginning to change.

You can’t treat what you can’t find

For years, the field of liver disease faced a frustrating paradox: growing prevalence, but limited treatment options. That’s no longer the case. After decades of stalled progress, the first FDA-approved drug for MASH arrived in 2024. Five more therapies are expected within the next three years.

This is a watershed moment — but it comes with a new challenge. Treatment is no longer the bottleneck. Diagnostics is.

You can’t prescribe these new therapies if you don’t know who needs them. Yet today, MASH is diagnosed through inaccurate tests, costly imaging, or worse, liver biopsies — invasive procedures that are painful, expensive, and inaccessible for routine use. More than 50 million Americans already meet the criteria for screening, yet there’s no scalable way to identify them.

To unlock the potential of these new treatments, we need to reimagine how — and where — diagnosis happens.

Also Read: Decoding digital preferences: A glimpse into the future of health tech ecosystem in SEA

The AI opportunity in diagnostics

Recent advances in AI and genomics are finally giving us the tools to tackle MASH detection at scale. One of the most promising approaches is liquid biopsy — analysing biomarkers in blood to identify early molecular signs of disease. When paired with machine learning models, this allows us to capture complex biological signals without relying on invasive or expensive procedures like liver biopsies or MR elastography.

This kind of AI-powered screening could fundamentally shift how we approach chronic liver disease — making detection earlier, more accurate, and more affordable. If we want to intervene before irreversible damage occurs, tools like these need to become part of routine clinical workflows.

Why teams matter in diagnostic innovation

Progress in diagnostics doesn’t happen in isolation. It builds on decades of work in genomics, clinical research, and computational biology. Some of the most meaningful advances in this space have come from cross-disciplinary teams — researchers, engineers, and clinicians working side by side to ensure new technologies serve real-world needs.

This collaboration is especially critical in liver disease, where the biology is nuanced and early signals are often subtle. Partnering closely with hepatologists and researchers ensures that emerging diagnostic tools are not just accurate in the lab, but useful in the clinic.

Why early-stage capital matters

Breakthroughs in diagnostics often come from new entrants — startups willing to take on high technical risk in exchange for meaningful clinical impact. But getting from concept to clinic requires more than science. It requires conviction from investors who understand the long timelines and regulatory hurdles in healthcare innovation.

Early-stage funds with a focus on deep tech and biotech can play a catalytic role here — helping young companies refine their direction, access expert networks, and stay focused on patient outcomes over short-term optics. In fields like liver disease, where diagnostic innovation is urgently needed, this kind of early backing isn’t just helpful. It’s essential.

From detection to full care pathway

While the current focus is on screening, the opportunity in diagnostics doesn’t stop there. The same technologies that flag patients early could also help tailor treatments — supporting therapy selection, monitoring disease progression, and eventually enabling companion diagnostics (CDx) that match the right patient to the right therapy.

Building high-quality, deeply annotated datasets will also be critical. With better data, we can accelerate drug development not only for MASH, but for other diseases with similar diagnostic challenges.

Also Read: The most-funded healthtech startups in Southeast Asia: A decade in review

It’s the same strategy we’ve seen transform oncology: precision diagnostics fuelling targeted therapies. Now, that same precision is coming to liver disease — deliberately, from day one.

A future where diagnostics are foundational

At its core, the mission is simple: make preventative diagnostics as routine and reliable as getting your blood pressure checked.

Because the truth is, the science is here. The therapies are here. But until we make early detection easy, accessible, and scalable, most patients won’t benefit.

AI won’t replace doctors. But it can help them find disease earlier and provide clinically actionable insights — and give patients a fighting chance before symptoms ever show up.

That’s not a moonshot. That’s just good medicine.

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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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Unlimited paid time off (PTO) appeals to startup owners because it shows your team you trust them to manage their time responsibly. Instead of tracking hours, you focus on results and well-being, which helps build loyalty and drive performance.

More businesses across Asia are exploring this approach as they compete to attract and keep talented people in a dynamic market. Offering true flexibility sends a clear message that your company values its people, and that can set you apart.

Common challenges startups face with unlimited PTO

Unlimited PTO sounds like the perfect perk, but implementing it isn’t always easy. If you’re not careful, this well-meaning policy can create confusion, stress and operational headaches.

• Unclear expectations around usage

When you offer unlimited PTO, your organisation may struggle to determine what “reasonable” time off means. Without clear guidelines, some employees might take less leave than they need. Meanwhile, others could take more, leading to friction across teams. This is especially tricky in Southeast Asia, where workers are used to around 10 days off a year — much less than the 20 or more common in European countries. Setting expectations early makes unlimited leave work for everyone.

• Perceived inequity between team members

With unlimited PTO, your high-performance or junior staff might hesitate to take time off because they don’t want to seem less dedicated or ambitious. Some roles in your company naturally offer more flexibility than others, which can create tension if certain employees feel they can’t step away as easily. Without clear guidance and support, this can lead to burnout, frustration and a culture where people feel guilty about using the benefit you’re offering. Create a fair, open environment where everyone feels encouraged to take the necessary time.

• Operational and security gaps in remote setups

Unlimited PTO often comes hand in hand with a remote setup. However, it creates extra challenges for your IT team. It can be tough to maintain consistent security controls when key people are away, which opens the door to risks you don’t want. Your organisation may struggle to enforce protocols or respond quickly if something goes wrong. Strengthen your security processes and ensure you have backups before issues arise.

Also Read: Cracking the code: Key traction metrics early stage investors seek in startups

• Burnout from underutilisation

When you offer unlimited PTO, you might think your workers will feel free to take more breaks, but often the opposite happens. Without set entitlements, many employees actually take less leave because they worry about looking less committed or falling behind. This is a real risk in places like the Philippines, where burnout was the highest in the region at 70.71 per cent in 2022. Encourage your team to take the necessary time and show them that rest is part of doing great work.

Tips for a fair and effective unlimited PTO policy

Unlimited PTO can be a powerful way to support your organisation and build a high-trust culture, but it needs structure to work well. Here are some tips to help you create an ideal policy for your business.

• Create clear guidelines on notice periods and coverage

Clear guidelines protect flexibility and business needs. Ensure your leave request process helps your team plan time off without hurting collaboration on project deadlines. It’s smart to have your managers plan their own leave first so they can set a good example and plot blackout periods during critical times. This way, you keep operations running smoothly while allowing everyone to take the necessary time.

• Train managers on fair leave practices

Equip your leaders to support fair and responsible leave use. Train your managers to watch for signs that some members might be overworking or holding back from taking time off. When management encourages balance and models good habits, your employees will feel safer and more confident using their leave without guilt or worry. This helps build a healthier, more positive work culture that benefits everyone.

• Set a baseline minimum leave

With unlimited PTO, it’s practical to encourage your team to take at least a certain number of days off each year to support their well-being. This helps prevent burnout and keeps everyone feeling motivated and refreshed. You’ll also align your business with a growing trend across the region. In fact, 87 per cent of Asia Pacific organisations have at least one well-being initiative, and 83 per cent already have a formal strategy. When you promote rest as part of your culture, you show people that you value their health just as much as their performance.

Also Read: The taste of innovation: Southeast Asia’s emerging F&B tech startups to watch

• Communicate cultural alignment

It’s crucial to frame unlimited PTO to fit local values and work habits so your team feels comfortable using it. In many Asian workplaces, people are used to fixed entitlements. They may worry about looking irresponsible or selfish if they take too much leave. Linking unlimited PTO to shared values like teamwork, respect and long-term well-being can help your company see it as a way to support personal growth and business success.

Why unlimited PTO needs careful planning to succeed

Unlimited PTO can help you build loyalty, boost productivity and support your team’s well-being. However, to see these benefits, you need to roll it out thoughtfully and with a clear structure.

Treat it as part of creating a sustainable, high-trust culture that helps your business and your people thrive.

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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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Global risk sentiment has cooled recently, and the reasons are pretty clear. Investors are getting nervous about an overheated market, a phrase that surfaces when asset prices surge quickly, sometimes too quickly, sparking fears of a looming correction. After a robust rally across multiple markets, many are opting to lock in gains rather than push their luck.

This shift is evident in the US stock markets, which ended mixed overnight. The S&P 500 slipped 0.1 per cent, the Dow Jones dropped 0.5 per cent, while the Nasdaq climbed 0.4 per cent. To me, this divergence paints a picture: tech enthusiasts are still betting big, but other sectors are retreating, hinting at wider unease. It feels like a party where some are still grooving, yet others are inching toward the door.

Meanwhile, the Bank of England made waves on Thursday, trimming interest rates by 25 basis points to four per cent. The decision squeaked through with a 5-to-4 vote, underscoring the economic tightrope they’re walking. Governor Bailey shed some light, suggesting borrowing costs could keep drifting down since inflation might not linger.

However, he tempered that with a warning, noting the next cut’s timing remains up in the air. I see this as the BOE’s balancing act, supporting growth without rekindling inflation. For markets, this blend of decisiveness and hesitation adds complexity. Investors crave certainty, and Bailey’s cautious tone likely didn’t soothe many jitters.

US treasuries and the dollar’s dance

In the bond world, US Treasuries stumbled on Thursday after a tepid 30-year auction. Lackluster demand drove yields higher across the curve: the 30-year yield edged up 0.6 basis points to 4.826 per cent, the 2-year yield rose 1.4 basis points to 3.728 per cent, and the 10-year yield increased 1.2 basis points to 4.250 per cent.

What’s triggering this sell-off? I’d argue it’s investors reassessing their positions. Weak demand for long-term bonds often signals worries about future inflation or doubts about growth. People want more yield to commit their cash, and that ripples outward. This ties into those overheated market concerns, suggesting some are gearing up for turbulence.

Also Read: Trump’s policy effect: From semiconductors to Bitcoin, how government moves are shaping markets

The US Dollar Index throws in a curveball. It held steady on Thursday but dipped again on Friday, marking six straight sessions of losses, the longest streak since March 2024. A softening dollar stands out because it cuts both ways. It can boost US exports and pad corporate profits, yet it also hints at waning global faith, perhaps a drift from dollar assets. Combined with the Treasury sell-off, I wonder if investors are hunting for safer or juicier returns elsewhere.

Gold, oil, and Asian markets

Commodities offer their own narrative. Gold rose 0.8 per cent to US$3,396 per ounce, capitalising on the dollar’s slide. It’s a textbook play, when the dollar weakens, gold steps up as a safe haven. I view this as investors playing defence amid the uncertainty clouding stocks and bonds.

On the flip side, Brent crude fell 0.7 per cent to US$66.43 per barrel. Traders appear to be on edge, awaiting a Trump-Putin meeting. Given Russia’s oil clout, any news there could jolt supply and prices. I’d bet this dip is more about anticipation than a demand shift.

Asian stock markets sparked some optimism, ticking up at Friday’s open. US equity futures also hinted at a firmer stateside start. After Wall Street’s mixed cues, this feels like a cautious bounce. It suggests some are wading back in, perhaps thinking the profit-taking has peaked or that moves, like the BOE’s cut, might stabilise things. Still, it’s too early to call it a turnaround, more like a breather.

Bitcoin’s moment in the spotlight

Now, let’s focus on Bitcoin, which surged 1.87 per cent to US$116,731 in the last 24 hours, outpacing the broader crypto market’s 3.27 per cent gain. That’s a notable leap, and I think three key factors are at play: US policy shifts, corporate strategies, and technical signals. Let’s unpack them.

• US policy tailwinds

US policy is shaking things up. Trump’s push to allow crypto in 401(k) accounts is ambitious. If it happens, it could tap into US$9 trillion in retirement funds for crypto. That’s massive, and it’s got institutions buzzing. Picture millions funnelling retirement savings into Bitcoin, and it’s a demand explosion. There’s also a draft executive order aiming to prevent banks from freezing out crypto firms.

Regulatory murkiness and banking woes have long hampered crypto’s mainstream rise, so this could open the floodgates for institutional cash. Plus, the GENIUS Act, targeting stablecoin rules, is on my radar. If it passes, it could bolster crypto stability. To me, these moves scream institutional green light, and Bitcoin’s price reflects that hope.

• Corporate Bitcoin strategies

Companies are diving in deep. Cipher Mining has launched new Texas facilities, achieving a 16.8 EH/s capacity and holding US$112 million in Bitcoin. That stash strengthens the network and shrinks supply. Less Bitcoin floating around with steady or rising demand typically lifts prices.

Also Read: What’s shaping the markets right now: AI hype, Bitcoin’s calm, and the Fed’s next move

Then there’s WiMi, a Nasdaq firm, pouring US$212 million into Bitcoin derivatives and short-term crypto bets. That’s not just hodling, it’s a calculated play, showing corporates are embracing crypto strategically. This is Bitcoin maturing from a fringe asset to a balance-sheet staple, a bullish sign.

• Technical breakout setup

The charts are buzzing too. Bitcoin’s been forming a bullish flag since peaking at US$123,000 in July, a sharp rise followed by a consolidation, hinting at another jump. Support is solid at the 50-day moving average of US$113,154, a level traders obsess over.

Breaking US$117,350 could target that US$123,000 high again. The RSI at 56.55 suggests room to climb, though the MACD at -444.94 flashes bearish caution. I think it’s a toss-up: a breakout could ignite a rally, but a drop below US$113,000 might spark a pullback. Traders are likely salivating over the possibilities.

My point of view

So, what’s my take? The global market’s in an odd place, edgy but not collapsing. Profit-taking and the Treasury sell-off signal hedging, not a mass exodus. The BOE’s cut and Bailey’s wariness fit a world where inflation lingers like a stubborn guest. Gold’s rise and the dollar’s dip are classic safe plays, while oil’s drop feels like geopolitical suspense. Asian markets and US futures show grit, but I’d need more to call it a trend.

Bitcoin’s the one I can’t shake. Those US policy shifts could rewrite the game, drawing in big money like never before. Corporate moves from Cipher and WiMi reinforce that heavyweights are buying in. The technicals are tantalising, poised for a move, but direction’s unclear.

I’m bullish long-term, the fundamentals are compelling, yet I’d urge traders to watch those levels closely. We’re at a junction where macro nerves collide with crypto’s breakout shot. My hunch is Bitcoin’s got staying power, but the broader market’s still sorting itself out. Stay sharp.

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Indonesia’s Corruption Eradication Commission (KPK) summoned Nadiem Makarim, marking a pivotal moment in the nation’s evolving relationship with tech leadership and public accountability.

Once hailed as a reformist figure for modernising education through digital platforms during the COVID-19 crisis, Makarim now finds himself at the centre of a high-profile probe into the procurement of Google Cloud services under his watch as Education Minister.

While the investigation remains ongoing, its focus on top-level decision-making during a period of urgent digital transformation highlights a growing tension: how do governments balance speed and transparency in emergency tech deployments? The cloud services in question were instrumental during remote learning–a critical lifeline for millions of students. Yet, the integrity of the process behind their adoption must stand up to scrutiny.

Makarim’s appearance, accompanied by flamboyant lawyer Hotman Paris, underscores the case’s gravity and public interest. As the KPK deepens its inquiry, especially in parallel with the Attorney General’s investigation into Chromebook procurement, this episode raises pressing questions about oversight in public-private tech partnerships.

Accountability shouldn’t deter innovation, but it must guide it. The outcomes of these probes will set crucial precedents not just for Indonesia, but for any country navigating digital governance in crisis.

REGIONAL

Gojek founder summoned over Google Cloud procurement
Gojek and former Indonesian education minister Nadiem Makarim was summoned to provide information as part of an ongoing investigation into the procurement of Google Cloud services by the ministry during the COVID-19 pandemic.

SEA startup funding plunges to US$68M in July 2025, down over 75% YoY
The US$68M raised is remarkably lower than the funding secured in July 2024, registering a 76.71% decrease | When compared to the previous month (June 2025), the slowdown was 77.10%.

Indosat launches AI scam filter to combat fraud
The system operates automatically and in real time, filtering suspicious messages and calls, and alerting customers to potential scams | It is accessible to all users, regardless of device or location.

60 global startups to compete for US$2M prize at LKYGBPC grand finals
Finalists from 91 countries will showcase breakthrough innovations in sustainability, mobility, and deeptech during the week-long competition.

Airtree closes US$425M Fund V to back ANZ startups
Airetree’s Fund V has allocated US$165M to early-stage investing and US$260 million to growth-stage companies | It has a portfolio of 120+ companies, including Canva, Airwallex, and Employment Hero.

Truelight Capital launches angel fund to back early-stage media startups
The firm will write cheques at the angel, pre-seed, and seed stages | The launch arrives at a pivotal moment for the media sector, which is undergoing significant changes driven by the rapid emergence of AI.

REPORTS, FEATURES & INTERVIEWS

63% of Vietnam’s students use AI, but concerns linger over misinformation, ethics
The primary purpose for AI use among Vietnamese students is homework, accounting for 48% of usage, followed by language help (17%), searching or surfing (12%), and even creating videos or photos for fun (8%).

Using AI without misusing it: Indian students show strong ethics despite misinformation gaps
Only 13% of Indian students always fact-check AI-generated answers, while 42% do so sometimes, 20% rarely, and 25% never fact-check. This suggests a potential vulnerability to misinformation from AI tools.

nVentures finds early success backing overlooked founders in South Asia, SEA
It invests small cheques of US$100,000 to US$250,000 each in up to 15 startups | Focus ares are B2B fintech, SaaS for MSMEs, edutech, and digital health.

Closing the protection gap: LeapFrog’s insurance-first strategy for financial inclusion
Among the various services LeapFrog facilitates, insurance holds a special place. Rather than viewing insurance as a standalone product, Lima frames it as a foundational enabler especially when embedded at the point of sale.

Sebastian Tai Jian Haw on growth, reinvention, and showing up real
Sebastian Tai Jian Haw reflects on a career shaped by reinvention offering lessons in leadership, digital growth and purposeful transformation.

ECHELON SINGAPORE

The next chapter: Strengthening Indonesia’s startup ecosystem for long-term growth
The conversation traced key phases, from the B2C boom following 2011 to the disruptions of COVID-19 and ongoing challenges such as fraud.

Reimagining movement: The next wave of urban mobility in Asia
The conversation touched on the promise and challenges of autonomous vehicles, calls for a balanced approach that prioritises mobility innovation.

INTERNATIONAL

Google denies AI search is killing website traffic
The website traffic from its search engine has remained stable year-on-year, according to Liz Reid, Google’s VP and head of search | The average click quality has also seen a slight increase.

HK stablecoin bill raises concerns over client identity rules
The ordinance introduces mandatory KYC checks for every stablecoin holder, a requirement that some in the cryptocurrency sector say could deter adoption and impact the city’s position as a digital finance hub.

SoftBank swings to profit on Nvidia bet ahead of AI push
SoftBank saw profits from its Vision Fund reach US$3B, driven by gains in holdings such as Nvidia and Coupang | The Japanese firm increased its Nvidia stake to over US$3B as of end-March 2025, benefiting from a 46% rise in the chipmaker’s shares during the quarter.

GPT-5 arrives: faster, smarter, and with fewer hallucinations
ChatGPT’s reasoning, coding, and creative writing skills are all expected to see major improvements in GPT-5 | According to Sam Altman, while GPT-3 performed like a high school student and GPT-4 like a “smart college student,” GPT-5 is now at “Ph.D. level.”

China aims for brain-computer interface firms to rival Neuralink
China has announced policies to develop the brain-computer interface (BCI) sector and compete globally | The policy targets creating two to three globally competitive BCI companies by 2030, without naming specific firms.

Elon Musk says X plans to introduce ads in Grok’s responses
Musk told advertisers that X would allow marketers to pay to appear in suggestions from the AI chatbot | He also plans to use tech from xAI, his AI startup, to improve the targeting of ads on the social network.

Japan’s Yomiuri newspaper sues Perplexity for copyright violation
Yomiuri claims Perplexity accessed about 120,000 of its articles between February and June 2024 | The lawsuit seeks to stop Perplexity from using the content and requests over US$14.2M in damages.

Animoca, asset tokenisation firm Provenance to launch marketplace
Nuva, a marketplace for tokenised real-world assets, will offer investment products from various issuers, including institutional-grade vaults backed by Figure Technologies’ stablecoin and home equity loans.

SEMICONDUCTOR

Trump urges Intel CEO to resign over China ties
Lip-Bu Tan, who became Intel’s CEO in March 2025, has faced scrutiny for past investments in businesses linked to China’s military, concerns also raised in a letter from Republican Senator Tom Cotton to Intel’s board.

Nvidia defends AI chip security over Chinese cyber probe
Nvidia has denied allegations of security vulnerabilities in its AI processors following an inquiry by the Cyberspace Administration of China into its H20 GPUs | The firm said its chips do not contain back doors, kill switches, or spyware.

TSMC shares rise as Taiwan confirms tariff exemption
TSMC recently announced plans to invest an additional US$100B in US operations, including new facilities in Arizona, bringing its total US investment to US$165B.

US chipmaker Microchip Q1 hits US$1.1B, beats estimates
PC and smartphone makers accelerated shipments in H1 2025 amid widespread macroeconomic uncertainty spurred by the tariff war | This helped demand for Microchip’s products in the period.

AI

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.

AI can’t replace doctors, but it can catch disease before they do
MASH remains widely undiagnosed despite new therapies, highlighting the urgent need for scalable, AI-powered diagnostic innovation.

AI meets IP: Why Singapore is the launchpad for AI-driven startups
Singapore offers AI startups a global edge with strong IP protection, strategic incentives, and infrastructure for scaling innovation.

AI infrastructure: The unsung hero of technological innovation
While people eagerly discuss AI applications and ethics, the infrastructure supporting AI development is often overlooked | In fact, without a solid infrastructure, even the most advanced AI technology cannot truly play its role.

THOUGHT LEADERSHIP

Trump’s policy effect: From semiconductors to Bitcoin, how govt. moves are shaping markets
A US semiconductor levy boosts tech stocks while Bitcoin rebounds on ETF inflows, amid rate cuts, market volatility, and global shifts.

Vietnam’s unseen legal goldmine: Bridging the trust chasm for a billion-dollar opportunity
Vietnam’s foreign legal market reveals a trust gap, where small Korean-run firms outperform Tier-1 giants by bridging culture, not just law.

From perk to power: Rethinking ESOPs in the modern talent economy
Equity is emerging as the cornerstone of startup culture in Southeast Asia and India, with ESOPs reshaping talent alignment and trust | In 2025, the battle for talent is no longer just about salary; it’s about ownership.

From fear to freedom: Designing fintech products for the financially anxious customer
Fintech apps must overcome user anxiety in emerging markets by designing for clarity, cultural context, and emotional reassurance.

Building a better future: How sustainable architecture is leading the way for the built environment
The built environment sector is expected to focus increasingly on sustainable architecture as environmental concerns continue to grow.

From idea to reality: Why an MVP is essential before full-scale development
An MVP is a stripped-down version of a product that includes only its core functionalities | It helps identify opportunities and challenges, minimise risks, and ensure the final product meets your audience’s needs.

Powering Southeast Asia’s growth through impact capital
Social enterprises are often the best investment as they usually leverage technologies to enhance their operations and impact | Technologies can enable these mission-led organisations to solve problems at scale.

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Omni HR, a SaaS-based employee management platform based in Singapore, has acquired MajuHR, a local HR software company, for an undisclosed sum.

This strategic move marks Omni HR’s first acquisition.

The integration of MajuHR’s “chat-native DNA” with Omni HR’s multi-country capabilities is expected to deliver more intuitive HR experiences, specifically tailored to contemporary Asian teams’ operations.

Following the acquisition, MajuHR’s existing customer base will transition to Omni HR’s platform.

Also Read: How Remote is pioneering global talent management and the future of work

Founded in 2021, Omni HR provides cloud-based HR and payroll solutions across more than 15 Asian markets, offering automated workflows alongside essential local compliance capabilities. The company’s expansion, fuelled by a US$7.4 million funding round in 2024, laid the groundwork for this acquisition.

Omni HR has secured US$9.8 million in funding to date from leading investors, including Picus Capital and Alpha JWC Ventures.

Brian Ip, Founder and CEO of Omni HR, stated: “At Omni HR, our focus has always been on bringing automation and flexible workflows to modern teams operating across borders in Asia. The acquisition of MajuHR allows us to deepen our product capabilities and broaden our client portfolio.”

Founded by Charlie Angriawan and Roshan Ravishankar, MajuHR provides omnichannel-native HR software that enables employees to manage HR tasks, such as requesting time off or checking payslips, directly through simple WhatsApp messages – a common communication method for many Asian teams. The company said it has served thousands across Southeast Asia with its full-suite HR platform through consumer chat applications.

Also Read: Are you a human resource?

Omni HR has outlined plans to continue investing in deeper localisation efforts. The company is also actively exploring additional partnerships and product extensions better to serve the expanding mid-market and enterprise clients across Asia.

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In an industry often defined by mega-deals and unicorn hunts, Singapore-based early-stage VC firm nVentures is thriving by deliberately taking a different path.

With roots in Sri Lanka and a strong presence across South and Southeast Asia, the firm is carving out a niche by focusing on overlooked founders, modest funding rounds, and gritty problem-solving.

A different kind of deal sheet

Unlike many of its peers, nVentures avoids headline-grabbing fundraises or billion-dollar valuations. Instead, it invests small cheques of US$100,000 to US$250,000 each in up to 15 startups.

The focus is on founders from Tier II and Tier III cities, typically from lower-middle-class backgrounds, tackling critical, real-world issues.

Also Read: Re-awakening Sri Lanka’s legacy of innovation: The story of TRACE

Its sectoral thesis is just as intentional: B2B fintech, SaaS for MSMEs, edutech, and digital health—segments where lean capital at early stages can produce a measurable impact.

Spotlighting grit over gloss

“We realised founders from outside big cities were often more resourceful and frugal and more grounded in the problems they were solving,” says Chalinda Abeykoon, Managing Partner of nVentures. “They’re not chasing trends; they’re solving what they live.”

This conviction, shared by co-founder and fellow General Partner Imal Kaluthotage, forms the backbone of nVentures’ thesis: that overlooked founders with high resilience and local insight can build durable, cash-generating businesses—if they’re given the right support.

Early wins signal promise

That support appears to be paying off. One of nVentures’s early bets, Mintpay (Sri Lanka’s first Buy Now, Pay Later platform) has seen a 7.5x jump in valuation and now counts regional angels and Accelerating Asia among its backers. Another, Kaiju Labs, was acquired within 18 months by Singapore’s KAST at a 100x revenue multiple, delivering a full exit from the firm’s 2025 fund.

Simplebooks, a compliance automation startup, continues to grow in Sri Lanka and India, while Bangladesh-based healthtech MedEasy secured follow-on funding and hit record monthly revenue shortly after nVentures’ involvement.

Rolling up sleeves in the field

“We do more than write cheques,” says Kaluthotage. “Whether it’s making connections, helping with hiring, or troubleshooting operations, we’re fully in it with our founders.”

That ethos extends beyond portfolio companies. The team routinely supports Sri Lankan startups without holding equity, part of what Abeykoon describes as a long-game mentality. “If we can help a founder build something meaningful, the impact multiplies,” he says.

Social impact with scalable results

That multiplier effect is evident in Nanosoft, a firm digitising rural cooperative banks in Sri Lanka’s farming heartland. Since nVentures invested in 2023, Nanosoft has grown from 200 to over 400 digitised co-ops, reaching more than 1.5 million Sri Lankans. An independent study by 60_decibels found that 78 per cent of users reported improved quality of life and 71 per cent said they had no viable alternatives.

Another standout, Dossier, is an AI-powered anti-money laundering platform capable of identifying politically exposed persons and other high-risk clients. Co-founded in Sri Lanka by a former journalist, it was selected by Meta as a top APAC startup for its innovative use of Llama AI.

Deep networks, not just deep pockets

nVentures’s anchor investor is NCINGA, a global systems integrator active in BFSI, telecom, and manufacturing. That relationship enables founders to plug into high-value industry partnerships and client leads across Asia.

Its Limited Partners include leaders from AWS, Klarna, IFC, Lego, BCG, and Sonos—a global network that’s accessible to every founder in the fund.

The firm is also licensed by the Monetary Authority of Singapore. Today, nVentures is a recognised feeder for later-stage investors, including Accelerating Asia, Tenity, and Capricorn Private Investments.

Looking ahead

With plans underway for its next fund, nVentures is doubling down on its thesis: backing founders overlooked by traditional VC models, in markets often misunderstood or undervalued.

Also Read: Small market, big dreams: Meet the 30 Sri Lankan startups that are punching above their weight

“We’re still early, but we believe our model works—because we see it working, across markets and sectors,” says Abeykoon.

With an expanding footprint across Sri Lanka, India, Bangladesh, Singapore, and the UK, and a portfolio that’s already producing exits, follow-on rounds, and social impact at scale, nVentures is proving that going against the grain can lead to outsized outcomes.

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