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The global spread of COVID-19 has been a disaster of unparalleled proportions. Not only has it halted the world economy, but it has also made even the most optimistic leaders reconsider how soon things would return to how they were before the outbreak.
Even as the pandemic disrupted businesses and services around the world, a sudden and dramatic increase in internet consumption was observed. Businesses had to shift to digital communications and tools as the key medium for maintaining productive and interesting relationships with their many stakeholders – internal and external.
While the private sector was quicker to alter procedures in the early phases of the pandemic, the public eventually successfully adapted and innovated to continue citizen service delivery. Of course, early on, most governments rapidly put into place digital communication and emergency response platforms.
By allowing users to access their data and applications from any internet-connected device, cloud computing expands the scope of digital transformation beyond simple technology adoption to encompass a comprehensive redesign of all related procedures, resources and user interactions.
The cloud and digital transformation are now inextricably linked. Organisations across the board need to adopt a cloud-first strategy if they want to ensure the longevity of their operations and realise their transformation objectives.
Most organisations and agencies have benefited from the digital change, but some industries are behind the curve. To keep up with the fierce competition in their industries, they must guarantee the reliable operation of the cloud communication platforms that serve as a direct line of contact between the organisations and their consumers and aid in the promotion of their offerings.
The OpenGov Breakfast Insight on 25 November 2022 at M Hotel Singapore provided Singapore’s public, education, financial and healthcare sectors with the advantages of the most recent cloud technology.
Simplifying Things via Cloud Communication


Mohit Sagar, CEO & Editor-in-Chief, OpenGov Asia believes that the cloud has transformed the way organisations communicate, cooperate and carry out many other critical business and service functions.
Cloud communications are voice and data communications solutions that organisations employ to manage cloud-hosted applications, storage and switching.
“Cloud communications services are becoming an increasingly intrinsic choice for organisations looking to streamline their operations and enable their remote workforces to stay connected and productive,” observes Mohit.
Cloud communications enable organisations to interact with their employees and customers over many channels, including email, audio calls, chat and video. All of these leverage internet-based connectivity to minimise faulty connections and lag in communication.
This communication model has become the go-to option for addressing the growing need for efficient internal communications in the hybrid workplace. As numerous workers are returning to the office, and for many of those who have remote work capabilities, hybrid work arrangements are swiftly becoming the new standard.
Organisations are figuring out ways to make hybrid work as interesting and effective as they can. Leaning into what is working, changing what is not working and adapting as lessons are gained are the first steps in creating an effective hybrid strategy, work environment, and culture.
Employee access to the system from anywhere on any device is the need of a mixed work environment. Regardless of the apparatus they are using or their location, employees need to be able to connect to the system.
“User-friendly features in cloud communications make it simpler for staff to become used to the technology,” Mohit explains. “Up until now, better work-life balance, more effective time management, control over working hours and location, prevention of burnout and higher productivity have been the main benefits of hybrid work.”
Having the appropriate tools to be productive at work, feeling less a part of the organisation’s culture, poor cooperation and relationships, and disturbing work processes are some of the biggest obstacles to hybrid work.
Apart from the initial expenditure, virtual meetings result in reduced expenses because of the decline in maintenance and transportation costs. Moreover, integrations of cloud telephony enable companies to place and receive calls from any device that is connected to the Internet.
This means that cloud communications can potentially maximise resources for organisations. Procedures, implementation and adaptability can all be accelerated with a cloud communications strategy, which also offers limitless high-volume information transmission.
According to Mohit, cloud communications must have robust security components to ensure compliance with data privacy laws and the security of all stakeholders. “To assist in safeguarding data in the cloud, emerging cybersecurity tools should also be taken into account.”
These include Artificial Intelligence (AI) for IT Operations (AIOps) and Network Detection and Response (NDR). Both programmes gather data on the security and stability of cloud infrastructure. After data analysis, AI notifies administrators of any unusual behaviour that might represent a threat.
Ultimately a well-thought-out cloud communication strategy with strong security features can serve organisations and gain a competitive advantage in an increasingly digital landscape and VUCA environment.
Welcome Address


According to Lucas Lu, Head of Asia, Zoom, if communication fails to give the greatest possible experience, everyone suffers – from employees to consumers to investors. And neglecting to address this essential avenue has ever-worsening implications.
Organisations are going through some significant changes, he explains. The first is in the general business environment. Organisations are under tremendous pressure to boost efficiency, adapt fast as competition rises and keep up with the rapid pace of innovation and technological advancements.
This problem is becoming even more pressing because of economic uncertainties. Furthermore, solving these problems requires effective communication between consumers, prospects and staff.
The workforce is likewise seeing a paradigm shift. People desire the option of remote employment and are asking for the cutting-edge equipment and communication systems they need to do their jobs.
HR managers concur that a high-performing workplace’s future requirements would include collaboration, regular communication and a mentorship culture between managers and teams. “You run the risk of losing the ‘War for Talent’ if you don’t deliver,” Lucas asserts.
With every new tool and software that is made available, communication becomes more difficult and complex. Employees, clients and potential consumers are just a few of the stakeholders who have preferences and expectations about how, when and where they conduct business.
Due to this, many businesses choose their battles carefully when it comes to facilitating communication. They follow a variety of routes, including:
- Maintaining already-established systems that are deemed adequate
- Making use of the fundamental, built-in communication capabilities that are provided with other software packages, even if they don’t entirely satisfy the organisation’s demands
- Using different approaches based on the circumstances. You might, for instance, employ one communication tool for internal cooperation and another for clients, investors, and outside events
“All these strategies are meant to provide organisations with fundamental communication,” says Lucas. “These methods provide some flexibility, but they also change the environment for prospects, employees and consumers. People are compelled to alternate between various options based on their needs as a result.”
This causes unneeded annoyance, rework, expenditures and misunderstanding. Employees may feel alienated and impatient. Customers’ interactions with the brand are disorganised and unprofessional. And various instruments frequently make business slower.
In this uncertain business environment, organisations that can move beyond basic communication into universal communication have extraordinary potential. They can develop intuitive connections to all parties, employees, customers and investors, regardless of location, technology or business activity.
This will be accomplished by integrating the individual and organisational connection demands that will result in a) Delivering a consistent and quality experience for all participants, b) Making human connection effortless, and c) Enabling rapid innovation to maintain relevance.
These results may:
- Satisfy both the primary business requirements and the consumers’ expectations
- Redirect internal resources from managing communications to new services and capabilities; and
- Increase the marketability and perceived agility within the organisation and in the market.
An organisation’s reputation is directly related to the quality of its communication services. In addition to the fact that employees, clients and customers can work remotely, those returning to the office do not t want to compromise on the at-home office environment to which they have grown accustomed.
Organisations must adapt to this new hybrid environment to guarantee that everyone receives high-quality service regardless of circumstance or location. Expectations are simply greater and it is unacceptable if a session fails due to dropped participants or subpar audio or video.
“With Zoom, you may use a top-notch infrastructure that is specially made to prevent failures to safeguard your company from communications disruptions. You eliminate a work-limiting unpredictability risk by doing this,” Lucas says confidently.
When communications are down nowadays, it is impossible to conduct business. Hence, organisations may provide a controlled experience by enabling their staff to work without being concerned about the underlying technology. Additionally, they can analyse the underlying cause of any problems in their surroundings and take preventative measures.
With this, employees can concentrate on their work without unneeded interruptions or ambiguity and will have faith that the communication solution their organisation has deployed will work as planned.
“Partnering with Zoom enables quick innovation to keep up with the times. You can take advantage of a constant flow of fresh features that correspond to actual user requirements,” Lucas says. “Moreover, by frequently communicating with their support group, organisations will rapidly realise what is possible.”
Fireside Chat: How to Prepare for the Transition to the “Cloud Culture”


Geetha Gopal, Head of Infrastructure Projects Delivery and Digital Transformation, Panasonic Asia Pacific believes that every day, new technologies emerge and the culture of change is driving a paradigm shift for which an organisation must be prepared.
“As the COVID-19 outbreak rocked the world and we were unsure of what to do, our investments in technology became our strength,” says Geetha.
As the trend toward digitisation of remote work transforms the traditional office culture, a cloud culture has evolved. Likewise, cloud computing has become a competitive advantage for these organisations.
Every step toward better efficiency in the manufacturing sector increases competitiveness. Because of this, the industry’s embrace of cloud communications has become a crucial turning point. Cloud communications have changed the game for manufacturing by enabling increased efficiency while lowering IT expenditures.
“Cloud computing is the future, and organisations are successfully transitioning from the traditional office culture to the cloud culture,” Geetha says firmly.
Streamlining operations using scalable technological solutions for essential tasks and process optimisation not only helps reduce costs but also frees up time for businesses to devote to value-adding endeavours.
This is crucial now more than ever as operations teams struggle to keep up with the quickening speed of product and investment strategy development being observed among clients.
The new service-focused, client-centric operating model for investment operations will be made possible by technology, data and scalability. Organisations need to realise that the greatest way to prepare for the future is to create it as they deal with this period of constant innovation.
As a result, operations leaders who are taking steps to redesign, reinvent and adapt their operations may ultimately be in a stronger position.
Geetha emphasises that collaboration, communication and connectivity are crucial for success in today’s work environment. The key to maximising these contacts is digital communication. “For efficient communication and productivity, your company primarily depends on specific systems, platforms, and applications.”
More organisations are understanding the enormous advantages of migrating their systems to the cloud as technology continues to progress. In addition to allowing organisations to remain relevant in a competitive market, innovation plays a vital role in economic growth. Innovations are required to solve key problems.
One of the tactics that may be employed to save money while maximising organisational resources and extending communication skills and reach is advance planning.
An advantage of cloud communications for aiding staff members in a hybrid workforce is the reduction in time spent travelling to the workplace. Employees can save time travelling with the hybrid model simultaneously offering the chance to be more productive.
Despite the importance of enabling technology, it is the human workforce that will not only execute the organisation’s digital transformation strategy but also ensure its long-term success.
Guaranteeing that personnel are up to the task, however, needs not only technical training but also a radical transformation in thinking and decision-making.
It is important to focus on organisational culture by changing the management programme and making concerted efforts to close the gap between the internal aspect and employees.
Organisations that are unable to develop and achieve new goals that will assist their employees and business to thrive are those that are unwilling to alter existing practices.
“The pandemic can no longer be an excuse or the reason – remote work is here to stay. If we want skilled employees then we need to concentrate on their needs – we must empower our employees,” Geetha concludes.
Closing Remarks
Lucas believes that every problem has a solution since most organisations fail to connect their strategy to their innovation objectives. “Change is a constant process, and what we say today might leave a legacy tomorrow. Any plan for digital transformation, in our opinion, must be built around digital innovation.”
The road of digital transformation must involve a competitive advantage that can only be sustained by introducing innovations and contemporary methods if it is to stay modern and please clients with cutting-edge goods and services.
For every change, there is a call for managerial backing to be successful and transformative. Zoom is happy to discuss how digital transformation budgets differ from traditional business or IT budgets to meet the demands of any organisation.
Lucas believes that cloud computing is transforming not only how many organisations access and store data, but also how many of these businesses run. It provides greater protection, flexibility, data recovery, minimal to no maintenance and ease of access.
“Although many people used to hesitate the cloud computing, they have now realised how important it has become to organisations,” Lucas has observed.
Mohit believes that changes in computers and how technologies are distributed are altering the ecosystem, especially for those who work in a hybrid environment. He encourages delegates to start establishing a strategy to utilise the cloud’s benefits for their businesses and services. “Organisations should determine the types of cloud services for which you require solutions, then meet with cloud service providers to determine the best long-term match.”
Both public and private organisations benefit from the adaptability, efficiency, scalability, security, improved collaboration and cost savings that cloud computing offers. “The COVID-19 pandemic has accelerated cloud adoption, but it is anticipated that cloud computing is here to stay, especially since hybrid work assumes a central role,” Mohit concludes.


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The prospective economic, social, and technological benefits of transforming Singapore into an open and trustworthy global artificial intelligence (AI) hub are substantial. It can place the nation at the vanguard of AI innovation and enable it to shape the future of this transformative technology.
The Ministry of Communications and Information (MCI) and a major technology firm announced their intention to work together to strengthen Singapore’s AI national vision and strategy. This strategic partnership may support the adoption and development of innovative, responsible, and inclusive AI technologies to maximise opportunities arising in Singapore and the region.
Director of the Digital Economy Office at MCI, Andrea Phua, stated that they welcome the opportunity to collaborate with the tech giant as they develop their plans to support the growth of the digital economy and realise the benefits that AI brings to individuals and businesses in a safe and responsible manner.
Singapore’s technology ecosystem has access to next-generation AI infrastructure, industry-leading GPU hardware, the Vertex AI platform, and AI-managed services and tools to implement AI at scale.
The partnership will seek to::
- Accelerate the development of home-grown AI technologies: A marketplace for developers and businesses to access the best of AI solutions and foundation models, allowing them to build conversational AI, enterprise search, and other capabilities;
- Build a sustainable pipeline of talent for the future AI economy: Skill-building initiatives to strengthen AI capabilities and competencies, including possible assistance for eligible startups to leverage an open AI ecosystem;
- Supercharge the adoption of cloud AI technologies in Singapore: Development of incubators and accelerators that encourage developers, entrepreneurs, and companies to innovate with generative AI (Gen AI) technologies; and
- Root Singapore’s AI progress in Responsible AI: Possible collaboration in AI governance and Responsible AI principles implementation.
By becoming a global AI centre, Singapore can attract world-class talent, researchers, and businesses. This promotes collaboration and the exchange of knowledge, resulting in innovation and the creation of cutting-edge AI technologies.
Several industries, including healthcare, finance, transportation, and manufacturing, will be transformed by AI. By positioning itself as a global AI hub, Singapore can attract investments, foster local startups, and generate high-paying employment, thereby fostering economic growth and prosperity.
Singapore has the potential to become a centre for AI education and talent development. By providing high-quality training programmes, seminars, and research opportunities, the nation can produce a workforce with AI expertise. This can satisfy the increasing demand for AI professionals and alleviate the talent shortage in this field.
Singapore, as a global AI centre, can serve as a testing ground for AI-based solutions and applications. The nation’s well-developed infrastructure, supportive regulatory environment, and diverse population make it an ideal location for the deployment and development of AI technologies. This enables businesses to validate their products, gain real-world insights, and iterate their solutions.
Through initiatives such as the Model AI Governance Framework, Singapore has demonstrated a commitment to ethics and trust in AI. Singapore can influence and define international standards for responsible AI development and deployment if it continues to develop as a global AI hub. This contributes to the development of AI technologies that respect privacy, impartiality, and transparency.
Singapore, as an open and trusted global AI centre, has the potential to become a regional leader in AI. This can entice regional enterprises and organisations to cooperate with Singaporean partners, resulting in a thriving Southeast Asian AI ecosystem. Singapore’s AI leadership may also assist drive regional initiatives, boost information sharing, and improve the region’s overall capabilities.
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The Union Cabinet led by Prime Minister Narendra Modi has approved the Production-Linked Incentive (PLI) Scheme 2.0 for IT Hardware for Enhancing India’s Manufacturing Capabilities and Enhancing Exports under the Atmanirbhar Bharat (Self-Reliant India) scheme.
The notification for the scheme was on 29 May and the window for applications under the PLI Scheme 2.0 for IT Hardware opened on 1 June. The scheme will extend an average incentive of around 5% on net incremental sales (over a base year) of goods manufactured in India and covered under the target segment, to eligible companies, for six years. The scheme aims to facilitate large-scale manufacturing in laptops, tablets, all-in-one PCs, servers, and ultra-small form factor (USFF) devices. It is expected to make a substantial contribution towards achieving an electronics manufacturing turnover of approximately US$ 300 billion by 2025-26.
The PLI Scheme 2.0 for IT Hardware is expected to contribute to the expansion and strengthening of the manufacturing ecosystem by promoting the localisation of components and sub-assemblies. Moreover, the scheme allows for a longer timeframe to develop the domestic supply chain, fostering its growth within the country.
The scheme offers enhanced flexibility and choices for applicants, and it is linked to incremental sales and investment thresholds, providing further incentives for growth. Additionally, semiconductor design, IC manufacturing, and packaging are also included as incentivised components of the PLI Scheme 2.0 for IT Hardware.
The PLI Scheme 2.0 for IT Hardware has been approved with a budgetary allocation of IN 17,000 crores (approximately US$ 2 billion), more than doubling the budget for the scheme that was first cleared in 2021 to incentivise and promote domestic manufacturing by attracting large investments in the value chain. It will be implemented from 1 July with a cap on maximum incentives available to participating companies. The scheme is expected to lead to a total production of about IN 3.35 trillion (US$ 40 billion), bring an additional investment of IN 24.3 billion (US$ 284 million) in electronics manufacturing, and will lead to the generation of 75,000 additional direct jobs.
Applicants who have already been approved under the existing PLI Scheme will have the opportunity to apply for the PLI 2.0 scheme as well. The scheme categorises applicants into three categories: global companies, hybrid companies (a combination of global and domestic companies), and domestic companies.
The Union Minister of State for Skill Development and Entrepreneurship and Electronics and IT, Rajeev Chandrasekhar, delivered a keynote address at a Digital India Dialogues session in Bengaluru on the scheme. The event witnessed the participation of various stakeholders from the technology ecosystem, including industry experts, representatives from industry associations, and startups.
The PLI scheme aims to enhance the competitiveness of Indian manufacturers by attracting investments in cutting-edge technology, fostering efficiencies and economies of scale, and promoting exports. In November 2020, the government set up PLIs for 10 sectors, which included the manufacturing of High-Efficiency Solar PV Modules and Advanced Chemistry Cell (ACC) Battery.
In September 2021, additional amounts were allocated under the scheme, particularly for the automobile industry. The focus was specifically on incentivising the manufacturing of electric and hydrogen-based vehicles. The policy also has a digitalisation component and seeks to enhance the production of electronic products within India.
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The Asia-Pacific region has become a centre of 5G innovations, with China and South Korea leading as global pioneers in 5G technology. Thailand’s 5G progress has greatly benefited from the well-established 5G ecosystem in the region.
Chula Unisearch and a technology company in Thailand have partnered to launch a research project called “Exploring 5G Technology on the 6 GHz Band.” Led by the Department of Electrical Engineering at Chulalongkorn University, the study aims to investigate the real-world applications of 5G technology in the 6 GHz frequency range.
By investigating the use of 5G technology on the 6 GHz band, the research aims to shed light on its feasibility and potential in enhancing wireless communication systems. The study involves an examination of the technical aspects, performance metrics, and data transmission capabilities of the 6 GHz band. This endeavour provides valuable insights into the practical implications and benefits of deploying 5G technology within this frequency range.
Moreover, through this research initiative, Chula Unisearch and its partners aim to contribute to the broader scientific community by generating new knowledge and empirical data on utilising the 6 GHz band for 5G applications. The study’s outcomes can inform policy decisions, shape future technology standards, and pave the way for a more efficient and seamless 5G network infrastructure.
The research team conducted a comprehensive field test encompassing Outdoor to Outdoor (O2O) and Outdoor to Indoor (O2I) scenarios. The trial’s primary focus was to analyse and understand the behaviour and characteristics of the International Mobile Telecommunications (IMT) 6 GHz band and evaluate the quality of IMT data transmission. These tests were conducted in collaboration with various agencies in the Chula Sandbox area.
The study outcomes were highly satisfactory, particularly regarding outdoor usage (O2O), where a download speed exceeding 1Gbps was achieved, covering approximately 72% of the test area. It is important to note that the bandwidth used for testing was set at 80Mbps.
Additionally, even for indoor scenarios (O2I), the average download speed reached 550Mbps. These findings indicate that the 6 GHz band has the potential to support mobile services utilising 5G technology and upcoming advancements such as 5.5G.
Overall, the project is a significant milestone in exploring 5G technology and its practical implementation in Thailand. By leveraging the expertise of academic institutions, research organisations, and industry leaders, this collaborative effort strives to unlock the full potential of 5G technology and its transformative impact on various sectors, ranging from telecommunications to smart cities and beyond. The 5G networks are expected to drive the transformation towards Thailand 4.0 and provide additional advantages for the country’s economic and social progress.
The collaboration signifies a concerted effort to advance the understanding and implementation of 5G technology in Thailand. The project aligns with the country’s commitment to embracing cutting-edge technologies and exploring innovative solutions for enhanced connectivity and communication.
Thailand aspires to become a leading digital hub in Southeast Asia, with Prime Minister Prayut emphasising the importance of collaboration between the public and private sectors in driving the commercial development of 5G technology across all industries in the country.
The government has taken proactive steps towards promoting the adoption of 5G technology through the development of an Action Plan. Phase 1 in this plan focuses on driving economic and social development by prioritising key sectors such as industry, transportation and logistics, agriculture, tourism, finance, wholesale and retail, public health, education, and smart cities. These strategic policies aim to foster a favourable environment that encourages the growth of 5G businesses in Thailand.
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To accomplish modernisation in the Chinese style, the 20th National Congress of China emphasised the significance of developing new growth engines and establishing a digital industrial cluster. Cloud computing has emerged as an essential technical foundation for the digital economy, fostering innovation and reshaping the global competitive landscape.
As a prominent authority in domestic cloud computing, Trusted Cloud has played a crucial role in the development of China’s cloud computing industry. The 2023 Trusted Cloud Best Practice Collection Activity was launched by the China Academy of Information and Communications Technology (CAICT) and the Cloud Computing Open-Source Industry Alliance to further promote technological innovation and improve industry service levels.
The Trusted Cloud Best Practice Collection Activity invites service providers and user companies who have undergone or are undertaking the Trusted Cloud evaluation to participate. Up to four options can be submitted by companies in various categories, divided into technology best practices, industry service best practices, and user case best practices. This all-encompassing strategy promotes innovation, knowledge exchange, and collaboration in the cloud computing industry.
The activity’s technology best practices are geared toward improving cloud services offered by service providers. It includes six categories: fundamental services, cloud-native solutions, hybrid and private clouds, software engineering, cloud management and optimisation, and security.
By emphasising best practices in these areas, Trusted Cloud intends to foster continuous improvement and provide cloud computing solutions that are dependable and secure.
Trusted Cloud also puts best practices for industry services at the top of its list. It focuses on cloud service providers in areas like government affairs, banking, transportation, energy, industry, automobiles, new retail, agriculture, entertainment, and education.
By making solutions fit the needs of certain industries, Trusted Cloud makes it possible for service providers to offer efficient cloud services that meet the specific needs of each field.
The user case best practice area shows how cloud computing has been used successfully in the past. For a cloud computing service or product to qualify, at least one of them must pass the Trusted Cloud Evaluation.
This requirement makes sure that the use cases that are shown off meet the highest standards of trustworthiness, security, and speed. This encourages others to use cloud computing technologies in the same way.
The applicant units are responsible for making sure that their application materials are real and correct. If they give false information, they will be disqualified and face other penalties. The application materials should be filled out exactly as the sponsor’s template says to, with no mistakes or gaps. Writing the materials in an official and standard way makes them clearer and more professional.
The Trusted Cloud Best Practice Collection Activity is a place for China to try new things with cloud computing. It helps Chinese-style modernisation move forward by encouraging people to work together, spreading best practices, and showing successful use cases.
The CAICT and the Cloud Computing Open-Source Industry Alliance have the final say on how this activity should be interpreted. This highlights the importance of the Trusted Cloud as a driving force in shaping the future of the cloud computing industry.
Innovation in cloud computing is essential for Chinese-style modernisation. It drives digital transformation, boosts economic growth, increases global competitiveness, facilitates technological advancements, improves government services, bolsters resilience and security, supports sustainable development, and fosters collaboration.
China can unleash the full potential of the digital age and create a prosperous, inclusive, and technologically advanced society by prioritising cloud computing innovation.
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Through a series of newly issued regulations and access to the national population database, banks are preparing to enhance their online money-lending services. According to Deputy Governor Pham Tien Dung of the State Bank of Vietnam (SBV), the utilisation of the national population database will enable banks to conveniently verify and authenticate the information of new customers, streamlining the process.
Commercial banks will promote lending services on their electronic platforms based on this database. The proposed amendments to the Law on Credit Institutions contain numerous regulations that specifically address banking services conducted through electronic devices.
For quite some time, many banks have been providing online lending services, primarily for small loans. However, the legal status of this lending model has not been explicitly defined in the law. As a result, banks have been engaging in online lending with concerns that the lending contracts may be deemed invalid in the event of a legal dispute.
Furthermore, banks have been hesitant to promote online lending due to the presence of a significant volume of junk data and virtual accounts. With the establishment of the national population database, the State Bank of Vietnam (SBV) has collaborated with the Ministry of Public Security to authenticate 25 million customers in the credit information database. SBV aims to verify the remaining 26 million customers within the coming months.
Possessing such a vast pool of clean customer data presents banks with a valuable opportunity to promote digital services and products, particularly online lending. Granting banks access to the population database, coupled with the establishment of a comprehensive legal framework for digital banking, represents a significant opportunity for the banking industry to experience robust growth in the future. A well-defined legal framework and a reliable database serve as the fundamental pillars for enabling all banks to operate effectively within the digital landscape.
Previously, banks exercised caution in engaging in online lending due to the presence of unverified and unreliable information within the customer database. Another problem is the automatic credit appraisal and approval due to data limitations and unclear legal basis. Furthermore, the lack of comprehensive customer information posed difficulties in effectively collecting debts.
Accessing the national population database and implementing an automated appraisal and approval mechanism allow state-owned joint-stock commercial banks to address these issues. It enables individuals to conveniently obtain online banking loans at reasonable interest rates.
The traditional lending process involved multiple steps and consumed significant time and human resources. However, with the extensive customer data available to banks and the national population database, there is a hope to enhance the speed of loan processing procedures and strengthen risk management measures. This advancement allows for more efficient lending operations, reducing delays and streamlining the overall process.
Several banks have coordinated with the Police Department for Administrative Management of Social Order (C06) under the Ministry of Public Security to start testing a citizen credit scoring system based on population data. As an initial step, banks intend to offer unsecured loans for small amounts using the citizen credit scoring system. This approach will promote the retail lending of the banks.
To ensure a seamless integration between the banking system, VNeID (the electronic identification application), and the citizen credit scoring system, it is crucial for the Ministry of Public Security to promptly update the population data. State management agencies must also adjust relevant legal provisions to create favourable conditions for providing loans in the digital environment.
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President Joko Widodo, as highlighted by the Minister of Administrative and Bureaucratic Reform (PANRB), has placed significant emphasis on the comprehensive digitalization of public services, evident in his signing of the Presidential Regulation on the Architecture of Electronic-Based Government Systems (SPBE) in December 2022, where the Ministry of Administrative and Bureaucratic Reform plays a coordinating role.
This year, Abdullah Azwar Anas, the Minister of Administrative and Bureaucratic Reform, reiterated the President’s focus in 2022, stating, “Digital transformation will bring a better digital future for the Indonesian government. The services received by the public will also be fast and accurate.”
With digitalisation, people can access public services online through various devices such as computers, smartphones, or tablets. It allows people to utilise services without being limited by time or geographical location. Furthermore, through digitalisation, it is possible to reduce operational costs in managing and delivering public services. The use of digital technology enables a reduction in physical needs such as paper, printing, and logistics, which has the potential to save government budgets.
Furthermore, to create responsive public services, Anas invites all local governments, particularly Bali, along with other stakeholders, to collectively strengthen the digitalisation of public services. Local governments can learn from various public policies implemented in developed countries, including Singapore, Denmark, South Korea or the United Kingdom (UK).
In enhancing digital-based public services, Anas highly encourages local governments in Indonesia to learn from the United Kingdom’s experience in digitalising public services. He specifically selects the UK because it has pioneered the Electronic Government Architecture (SPBE) since 2005 and has ranked highly in the e-Government Development Index by the United Nations.
Anas has signed a Letter of Intent with one of the government consultant NGOs to share experiences and knowledge in transforming digital-based public services. “We need to reflect on the challenges they face and the solutions they have presented, which can serve as lessons for us,” he said.
The digitalisation of public services has become a significant concern faced by the Indonesian government this year. Previously, the Indonesian government went to Balikpapan to strengthen public policy delivery to prepare for the capital relocation to IKN (Indonesia’s New Capital). The government will integrate their services in the future, allowing users to access all government digital platforms through a single sign-in conveniently.
Additionally, Anas launched the Central Lampung District Public Service Mall before he visited Balikpapan. The facility has become the 111th MPP in the country to be opened and is now open to the public. The Central Lampung MPP has 161 different services provided by 12 Central Lampung Regency Government entities and 17 vertical/external organisations.
Currently, the government is designing the National Digital Service Integration policy by establishing nine priority digital services, including education, healthcare, social assistance, population administration, integrated state financial transactions for payment gateways, integrated civil service services, public service portal, and One Data Indonesia. These efforts are aimed at enhancing public transparency.
With the adoption of digitalisation, the public can access information regarding public services and government policies, creating greater transparency in decision-making and providing opportunities for public participation in policy-making processes.
Digitalisation drives the government to seek new and innovative solutions in delivering public services. Adopting new technologies such as artificial intelligence, data analytics, and automation can enhance the effectiveness and efficiency of public services. Anas believes that the success of digital transformation and government administration relies on digital leadership to oversee change and rapid utilisation of technology.
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Dr Tan See Leng, Minister for Manpower and Second Minister for Trade and Industry launched the Jobs Transformation Map (JTM) for Retail as a guiding resource to help retail companies plan and ensure that their workforce is equipped with the necessary skill sets to meet evolving business needs.
Following the release of the Retail Industry Transformation Map (ITM) 2025 in October last year, Enterprise Singapore (ESG) and Workforce Singapore (WSG) collaborated with the Ministry of Manpower to create the JTM, which was supported by SkillsFuture Singapore (SSG).
Singapore National Employers Federation (SNEF), in collaboration with the National Trades Union Congress (NTUC), has been designated as a programme partner for the Jobs Skills Integrator for Retail (JSIT-R).
The JSIT-R is a dedicated intermediary that offers retailers end-to-end solutions for workforce transformation, staff training, and job matching services. When engaging with retailers, the JSIT-R will consult the JTM.
Retail trade associations and chambers (TACs) have signed a Memorandum of Understanding (MoU) with SNEF and NTUC to demonstrate their support for the JSIT-R and the implementation of the JTM. TACs are committed to reaching out to and collaborating with over 1,100 member companies and other retailers to accelerate employment transformation for their workforce of about 94,000 employees.
To ensure that the Retail sector can continue to attract and retain talent while also creating quality jobs, a study was conducted to identify future industry trends as well as anticipate how future job roles and required skill sets must change to create new opportunities and meet evolving business needs.
Four major trends and opportunities have been identified:
- Shifts in consumer needs as a result of changes in lifestyle, preferences, and awareness;
- Emergence of new retail models (e.g., omnichannel, customer-centric retail experience, and innovative business model) that enable enhanced brand and shopping experiences;
- Using data analytics and improvements in retail technology to increase productivity and efficiency;
- Create a resilient and agile supply chain to improve inventory management and enable more fulfilling alternatives in an increasingly complicated and turbulent supply chain environment.
The JTM analysis highlighted existing work roles that are likely to change somewhat or significantly, such as sales associates and store managers. Changes such as new technology and shifting consumer needs will transform these jobs.
A fundamental recommendation in the JTM report for adapting to these trends and technology improvements is to transform the workforce through human capital development programmes that include training, job redesign, and skills-based career progression pathways.
Such efforts would allow employees to focus on more value-added work and plan their evolution, which would help the growth of businesses.
Some emerging job roles include Sustainability Specialist, Product Innovator, Customer Experience Manager, Customer Intelligence Analyst, Omni-channel Manager, Digital Marketer, Digital Transformation Manager, UI/UX Designer and Full Stack Developer.
Further, retailers can stay competitive in a continuously changing industry by utilising data analytics and developments in retail technology. It helps them to provide personalised experiences, optimise operations, and boost customer satisfaction, resulting in higher profitability and long-term success.
The utilisation of data analytics and improvements in retail technology is critical for merchants looking to increase productivity and efficiency. Retailers can obtain important insights into customer behaviour, preferences, and market trends by leveraging the power of data analytics.
This data enables them to make data-driven decisions, improve inventory management, personalise marketing efforts, and improve overall operational efficiency.