The digital marketplace in South East Asia is quite a crowded space. In Malaysia itself at least, we have Lazada, Shopee, Lelong, Mudah, and LamboPlace. Now, we have Vettons.
Launched on 7th July 2020, the platform looks to change the whole e-commerce environment in Malaysia. Yes, this is the new e-commerce platform that has been teased on social media. This is the e-commerce platform that is going to “revolutionise” online shopping in Malaysia.
Source: Vettons
Vettons is purely app based, so good luck scrolling through their web store like traditional e-marketplaces. The website will direct you to a download link on Google Play and App Store. Still, it is available for free on both platforms.
A new online marketplace is always a welcome addition in Malaysia though. Still, this is not like any other e-commerce sites like any other though. It is supposed to be cleverer.
Vettons is different because they ensure that their products are off the highest quality. Okay, maybe we are overselling that a little bit. They are just making sure that the products that are sold on their platform are genuine things from their third-party merchants.
That also means you will not see questions of whether items are genuine in the comment sections. Everything is ensured to come from partner brands. In turn, each brand ensures that their products are up to a certain standard, that is quite normal.
Source: Vettons
Of course, like other platforms too, you get the promo items or items with the lowest prices presented to you in the first page. Thing is you need to be shopping or browsing around a little bit for the algorithm to understand your purchase patterns and preferences. We can get into that a little more later.
What is even more interesting is that Vettons promises delivery within 24 hours for each item you buy. This is something that is not offered on most of the platforms in Malaysia. That means if you might need something urgently, Vettons can deliver if they have the item you want that is.
Now we get to the algorithm. They are touting a very clever interface that learns what you do and what you purchase and personalise the shopping experience to you. They are also looking to make the platform more interactive than just you shopping for things. After all, “customer satisfaction” is the main goal.
Source: Vettons
In some sense, what Vettons promises us as potential customers are not technically radical new things. They are looking to make things just a little smarter for us, shoppers. We do appreciate new things though.
Vettons is available for free on Google’s Play Store and Apple’s App Store now. For more information on Vettons, you can visit their website.
“We live in a time of great change. Thanks to technology, the rate of change around us continues to accelerate,” said Jim Whitehurst, president of IBM. Although today’s banking landscape in Asia-Pacific is proving slow to change, the springboards that could redefine banking are quickly emerging.
One such springboard is regulators issuing digital banking licenses in the region. The Hong Kong Monetary Authority, for example, gave out eight virtual banking licenses last year. Awardees include Ant SME Services (Hong Kong) Limited, Ping An OneConnect Company Limited, Tencent’s Infinium Limited, and Xiaomi’s Insight Fintech HK Limited. Depending on the country, the licenses would allow non-banking entities to conduct banking activities such as taking deposits from retail customers and giving out loans to businesses. Since such firms are not required to have physical branches, they are also called online-only, virtual, or neo-banks. Examples of virtual banks in the region that are already in operations include Tencent’s WeBank in China, and Kakao Bank in South Korea.
These new entrants, together with fintechs, have raised customers’ expectations of banking services. Recent research from independent research firm Forrester found that 77% of Asia-Pacific banking customers prefer to interact with their financial services providers on digital channels, especially in mobile-first countries such as Mainland China, India, Indonesia, and Thailand. Nearly three-quarters of them also believed that they should be able to accomplish any financial task on a mobile device.
As the incumbent banks in Asia-Pacific are finding ways to address those changes head-on, they also need to look at their IT infrastructure, which supports and enables their business models. This is because the IT infrastructure handles the most demanding compute transactions such as trading stocks, bonds, currencies, or derivatives, or allowing retail customers to make purchases using a smartphone app.
Simplifying IT to drive better business outcomes
Established banks today are running on core systems that are often inflexible, expensive to maintain, and difficult to integrate with customer channels. Moreover, while integration is necessary, it is not sufficient to be able to create the technology platform flexibility necessary to lower operating costs, adapt to changes quickly, and optimize customer engagement. To overcome these challenges, banks in Asia-Pacific are working to transform their often monolithic, rigid, legacy IT architecture to a more open architecture that provides the agility to deliver dynamic business needs. This enables them to:
Optimize operations by streamlining processes
Since a single customer record can have various finance-related transactions associated with it, banking systems based on application programming interfaces (APIs) can better service multiple activities associated with a single customer record. Banks can further improve operational efficiency by deploying an API integration tool, which connects externally facing APIs with the internal banking APIs and systems of record. It transforms and directs incoming API requests to the appropriate endpoint within the IT environment, allowing changes to the back-office without impacting customer engagement services.
Additionally, banks can leverage microservices to expose individual functions, facilitating new service implementation as well as existing service updates. A microservices-based architecture can help banks better integrate their services into their partners’ platforms to deliver more services to customers. Since microservices can be reused, they also flexibly support and maintain production services by removing single points of failure in end-to-end flows. To reap the full benefits from microservices, they should be coupled with containers, which enable the portability of decisioning systems, across hybrid cloud environments.
Consistently deliver good customer experience in a standardized way despite changes in the business
Banks were initially built based on the branch office model, and were later supported by call centers and digital channels. These changes call for the IT architecture to be enhanced so that IT can effectively support new business models. However, there might be cases where IT architects missed integrating IT enhancements or new channels with existing operations, leading to data silos.
This is where standards, which can be critical for processing within the back office, can help. They are able to provide a foundation for a uniform system blueprint that gathers more detailed and consistent customer data that can be more easily combined across different transactions and banking channels. Since banks do not have the luxury of shutting down operations to rebuild, applying consistent standards across the board helps to more easily modify processing while still running and maintaining established levels of customer support. API implementation and reuse from shared catalogs can help to enforce adherence to standards and accelerate delivery.
Support business agility through continuous delivery
As change is the only constant, banks need to be able to rapidly develop and modify servicing logic, business rules, and predictive models to adapt to changing customer demands, comply with new regulations, and respond to new competitive offerings. A modern, microservices-based architecture can help banks gain that agility by enabling them to adopt continuous integration and continuous delivery (CI/CD) so that they can build, deploy and manage apps quickly.
Open source will be key to transforming the back-office
As more banks are embarking on the modernization journey to simplify IT, they are harnessing open source solutions to support customer engagement applications and deliver delightful customer experiences. According to The 2020 State of Enterprise Open Source: A Red Hat Report, 93% of IT leaders from the financial services industry globally said enterprise open source is important to their organization, and cited IT infrastructure modernization as one of the top three use cases for the technology. Respondents cited top reasons for using enterprise open source as being able to gain access to latest innovations and achieve higher levels of security.
Thailand’s Kasikorn Bank (KBank) is one bank that has benefitted from enterprise open source. It tasked its tech arm, Kasikorn Business-Technology Group (KBTG), to update and optimize its IT infrastructure to ensure that its mobile banking app is feature-rich, user-friendly and reliable even as the user base grew. KTBG did so by deploying Red Hat’s open source solutions, including Red Hat Enterprise Linux, Red Hat JBoss Enterprise Application Platform (JBoss EAP), Red Hat AMQ, and Red Hat OpenShift Container Platform.
Coupling the tech deployment with DevOps and agile methodologies, KTBG achieved the speed and scale KBank needed such that it can now handle 5,000 transactions per second. The open, modern IT architecture also enabled KBank to easily connect with its business partners’ systems to deliver more features on its mobile banking app, and provided a responsive, reliable application environment that reduced application development time from one month to two weeks. All in all, the changes that are reshaping the financial services industry offer established banks in Asia-Pacific opportunities to adopt technology that can increase their competitiveness and agility. In response to this, banks in the region have enhanced many of their customer-facing front-end operations with digital solutions. However, the front-office experience only makes up a small part of the entire process. Most of the servicing happens on the back end, often using numerous manual touchpoints that are rarely exposed to customers. Having a digital banking platform built on enterprise open source can help banks simplify IT and break down barriers between the customer engagement and back-office teams. With a stable yet flexible platform that can scale and adapt, banks can deliver a streamlined and frictionless customer experience that meets their expectations, therefore cracking the code to becoming successful digital banks that can compete effectively with new entrants.
We live in unprecedented times where communities need to support each other to make sure that we all survive what has been a weird roller coaster of a year. One of the worst hit industries has been the food and beverage industry with restaurants losing humongous chunks of their dine-in revenue and paying even more in delivery commissions with delivery partners such as Grab and FoodPanda. Some have reportedly been asked to pay upwards of 20% of their order to these partners.
EatLokal is looking to change that reality by partnering with disruptor brands like MyGroser and Socar to help bolster and support the local restaurant industry. They are working with these services to bring down the cost of delivery for both the restaurants and consumers. In fact, the company is looking to charge only 10% commission on sale for their launch period to help businesses increase sales and get back on their feet. The reason behind the low commission? Simple, they believe that the bulk of the revenue earned through sales of food should stay with restaurants at this time.
While EatLokal is focusing on delivering better value for service to restaurant owners, they aren’t leaving the consumer behind. They are looking to deliver better value for money when it comes to getting the convenience of ordering food. EatLokal is looking to connect us with our favourite local eateries. From the corner store with that deliciously thirst quenching cendol to the savoury chicken rice shop in Bangsar, EatLokal is looking bridge the divide in this time of social distancing while providing a convenience to both patrons and restaurateurs.
“As consumers, we have all felt the pinch of rapid increases in the prices that we pay for food delivery. We know there is a better, fairer way for everyone involved – the restaurants who provide the food and their employees; the delivery teams who do the work of sending the food to consumers; and consumers themselves. EATLOKAL is a community focused effort disruptors from Malaysia’s digital landscape who aim to improve the quality of service, pricing and approach to food delivery services while supporting and protecting our local restaurants, cafes and other food outlets who are working hard to stay open for us,”
Stephen P Francis, CEO of EATLOKAL
EatLokal is teaming up with independent motorcycle delivery teams, private delivery operators and Socar to get the goodies delivered. Socar will be playing a vital role in mobilizing cars as a delivery option.
The service is available in early access on the Apple App Store, GooglePlay Store and also on the internet via their webiste EatLokal.com. They are serving areas across Petaling Jaya, Kuala Lumpur, Bangsar, Damansara, Hartamas, Mont Kiara, Tropicana, Bandar Utama, Taman Tun Dr Ismail, Sunway, Subang Jaya, USJ and their surrounding areas. EatLokal has already teamed up with favourite neighbourhood eateries such as YMT Healthy Vegetarian, W1 Dining & Cocktails, Concubine KL, Asian Rice Pot, The Locker & Loft and The Accidental Bakers. EatLokal is now limiting the delivery radius to a 5 km radius from the outlet. However, they are continually expanding.
So the trade ban with HUAWEI has been going on for several months now and nothing seems to be indicating that there would be an overturning of the decision. Every other person outside of the United States of America (U.S.A.) was hoping that the situation will get better and somehow the decision overturned though. Why? HUAWEI devices without Android is like eating Egg Mayo Sandwich without the Eggs. They are still good, just not as good.
It looks like all hopes for HUAWEI to be cleared of that trade ban is further and further away from reality though. The Federal Communications Commission (FCC), which is U.S.A.’s version of MCMC for Malaysia, or if you are not in any of these countries – they are an independent body that regulates and certifies electronic items that involves communications. So your routers, modems, televisions, and even smartphones have to go through their certifications and ‘okay’ before being sold; they have declared HUAWEI and ZTE to be national security threats for the state. Sounds bad? It is bad.
While there were restrictions to HUAWEI telecommunication gears in the United States, there were no full ban to be set yet at the time. Thanks to the declaration from FCC, HUAWEI and ZTE items can no longer be purchased by all government linked companies or using the Universal Service Funds (USF) subsidy. That also means that we are not going to get Google’s Play Store on the HUAWEI devices anytime soon.
According to the chairman of FFC, Ajit Pai the Bureau has found evidence that both HUAWEI and ZTE having “close ties” to the Chinese Communist Party and the country’s military. But it is not just down to the links between the company and the government that becomes an issue. FCC also cited that the Chinese law dictates that these telecommunication giants that operates in China are obligated to share data and cooperate with China’s various intelligence services whenever the need arises.
If what FCC claims to have found is true, it becomes a huge privacy and data security breach potential. HUAWEI and ZTE have repeatedly denied the claims that they are a threat to the United States’ national security. To be fair, they have denied the existence of a certain backdoor that feeds information from all their telecommunication devices and services to the Chinese government. We do not know how much of the law aspect is true. We are not living in China after all.
Still, the biggest impact is still on HUAWEI’s smartphones. We have always enjoyed their smartphones. They have made great smartphones like the HUAWEI P40 Pro we recently reviewed. Sadly, the lack of Google’s Play Store on their devices crippled the devices so much that we find them an absolute nightmare to deal with on a day to day basis at times.
So far HUAWEI and ZTE has not responded to the claims. We remain hopeful to HUAWEI’s response to the claims. That, and also hoping that HUAWEI finds a way to get the Play Store ecosystem on their devices that are still running Android anyway.
As nations begin to start emerging from COVID-19 induced lockdowns, businesses are beginning to resume in a new normal; one where remote work and social distancing are the status quo. These new work realities are creating new demands on businesses to adapt. One of the many ways they can, is by adopting new or pre-existing technologies that enable remote work in a secured, business friendly environment.
Nutanix, one of the larger cloud software and hyperconverged solutions providers, has created a solution which allows businesses to quickly adapt to the growing demands of remote work. Their new “FastTrack for VDI” service allows businesses to pivot to remote work realities quickly and reduce the time needed to onboard employees working remotely. VDI – Virtual Desktop Infrastructure – allows employees to access sensitive documents from a remote machine while keeping documents within a secured environment. This opens doors to businesses dealing with sensitive data to enable remote work and put their employees health and safety first.
The new initiative by Nutanix also allows businesses to quickly acquire and provision desktops within five business days. These desktops will come with configurations predefined by Nutanix enabling secure access for remote work employees. The service also gives businesses the flexibility to leverage existing hardware, select predefined Nutanix hardware or leverage managed cloud infrastructure from the company’s partners.
“In 2020, remote working has become our new normal. It is time for businesses to start planning for the long term and leverage technologies for a new business reality. Nutanix is committed to ensuring that Malaysian businesses have quick and easy access to the right solutions and technology to keep their staff engaged, efficient and productive throughout these unprecedented disruptions,”
Avinash Gowda, Malaysia’s Country Manager for Nutanix
With the new service, businesses who were already in the midst of their digitization journey will be able to continue and accelerate their efforts while those yet to begin are provided with a fast track.
eCommerce is growing in Malaysia with an increasing number of Malaysians opting to shop online when it comes to getting their daily needs and essentials. In fact, Shopee reports that users have been spending about 20% more time on their platform on a weekly basis. The increase, spurred by the recent movement control order (MCO), indicates that consumers are increasingly more willing to shop online.
As more consumers turn to online platforms, it provides a golden opportunity for Shopee and its partners to incentivise their platforms. Working together with one of Malaysia’s largest banks, Maybank, Shopee Malaysia and Visa have launched a new platinum credit card. The new Maybank Shopee Credit Card will reward users with Shopee coins for every transaction online and offline. Users will also receive extra bonuses such as 5x the coins during Shopee’s monthly payday sales on the 28th of every month and 4x Shopee coins for dining, entertainment and contactless payments.
Cardholders can then use these coins on Shopee to offset future purchases and redeem vouchers including F&B and services from the Daily Coins Rewards feature on the App. What’s more, cardholders who rack up more than 5,000 coins will be rewarded with Maybank TreatsPoints which they can use to redeem gifts from Maybank.
Malaysians between 21 and 65 years of age can apply for the card beginning on July 1, 2020. Applicants will need to have an annual income of MYR36,000. The card comes with a lifetime annual waiver. Successful applicants will receive 5,000 Shopee coins when they spend MYR300 within their first 60 days.
The new credit card comes just ahead of Shopee’s annual 7.7 mid year sale which kicks off on 7 July. As such, early adopters who successfully apply for the card from 1 July to 7 July will be rewarded with Shopee Vouchers worth MYR500 when they spend MYR300 within their first 45 days. The limited offer can be redeemed on a first come, first served basis.
The mid year sale also brings 50% coins cashback for all Shopee users on a daily basis. Users can also win up to 7 million coins by playing Shopee Claw, Shopee Candy, Shopee Garden, Shopee Poly, Shopee Dance and more during the sale period. Shopee’s Shocking Sale also makes a return with deals from as low as MYR0.77 during the 7 July Sale.
AWS (Amazon Web Services) isn’t slowing down for anything! The company is making quick work of expanding the availability of their Outposts technology. The latest countries to join the fold is Thailand and India with the rollout coming near simultaneously with Malaysia’s.
The new AWS Outposts feature will bring the power of AWS into the on-premises arena in Thailand and India. This will give businesses the flexibility of adopting cloud infrastructure without sacrificing valuable time migrating their on-premises data to a new cloud server. Instead, they will be able to bring the power and flexibility of the AWS cloud to their on-premise data.
The highly flexible and adaptable system allows businesses to deploy all of AWS’s technologies including their EC2 (Elastic Compute Cloud), EKS (Elastic Kubernetes Services), RDS (Relational Database Service) and more to help deploy and make sense of the large amounts of data they may have stored on-premises. They will also be able to keep sensitive data off the cloud while getting the benefit of being able to utilise them in computational and machine learning models. In addition, the close proximity of AWS’s many technologies and services also means that businesses stand to benefit from lower latency when it comes to deploying these assets.
The AWS Outposts on-premises hardware is a fully managed service. Businesses will not need to worry about downtime or learning a new interface. In fact, AWS Outposts shares the same interface as its online counterpart. This also removes the lag time required for staff to learn new platforms and interfaces.
ASUS ROG (Republic of Gamers) is one of the world’s foremost brands when it comes gaming. The brand has always been pushing the boundaries when it comes to gaming technologies and even lifestyle. This year, the brand is pushing boundaries even further with collaborations including Malaysian streetwear design house, Stoned & Co.. To add another notch to their belt, ROG is now collaborating with renown DJ and producer, Alan Walker.
Source: Fandom Wiki
Alan Walker is no stranger to the gaming industry. The artist has been featured in multiple games including the critically acclaimed Death Stranding to popular mobile battle royale shooter, PlayerUnknown’s Battlegrounds Mobile. His music has made the English born, Norwegian DJ has shot to stardom from his roots as a content creator on YouTube. That said, he isn’t just a DJ, producer and Youtuber, he’s also a gamer. The partnership with ROG marks a bold move by Walker to merge his two passions together.
ASUS ROG, on the other hand, is looking to address the growing diversity of the gaming community which has grown tremendously in recent years. The brand recognises the growing proportion of gamers who have become content creators and vice versa.
To that end, as a kick off to the partnership, ASUS is creating a special edition of it’s recently launched ROG Zephyrus G14. The brand’s new Ryzen 9 powered laptop brings a unique x factor to the table when it comes bridging the world’s of a content creators and gamers. It’s also one of the laptops in its line up that is able to deliver on audio with Dolby Atmos certified sound. The unique AniMe Matrix also brings a unique feel and expression that is quintessential for content creators.
The special ROG x Alan Walker edition of the Zephyrus G14 is just the beginning when it comes to the collaboration. Beginning in August, ROG and Alan Walker will be releasing videos which give audiences an early look at the DJ’s new music. In addition, fans will be able to take a behind the scenes look at his music and get to know the renown DJ even better.
Paradigms are shifting when it comes to how companies are managing their data. It shifted from having their own, on-premise servers to having cloud based infrastructure to support their data storage and compute needs. Now, the paradigm is shifting to a complementary approach which focuses on what the industry is calling – the hybrid cloud. Amazon Web Services (AWS) addressed the growing demand for a hybrid solution for their customers with their announcement of AWS Outposts at their annual Re:Invent conference last year.
The new AWS Outposts offering brings the power and flexibility of AWS’s cloud platform on premises for businesses that require it. The service provides customers with an customizable server stack that is able to provide any of AWS’s numerous modules. These workloads can then function exactly like their cloud counterparts but at a drastically reduced latency; allowing for local processing for workloads that require low latency. The new service also allows users to store and access their data locally. This negates the need for businesses to sacrifice large chunks of time uploading their data to cloud servers and data lakes. It also helps businesses that handle sensitive data maintain their integrity while bringing them into the future.
AWS Outposts are a fully managed service allowing companies to rest at ease when it comes to maintenance and troubleshooting. In fact, AWS Outposts are designed to give the exact same user experience as AWS’s regular services. Users won’t need to learn a totally new interface or jump between the interfaces when it comes to handling these hybrid workloads. Outposts are also able to interact with AWS Cloud seamlessly.
AWS Outposts have now made it’s way to Malaysia. The infrastructure is ready for Malaysia’s homegrown businesses to take advantage of. The introduction of AWS Outposts in Malaysia allows businesses to process compute workloads on premises. In fact, two major companies have already adopted the technology in their everyday business.
Starting on the 25th of June 2020, AWS customers in Malaysia are able to bring AWS’s compute, storage and graphics optimised instances on premises. This includes the recently announced AMD powered instance in addition to AWS’s Elastic Compute Cloud (EC2), Elastic Kubernetes Services (EKS), Relational Database Service (RDS) and more.
Small businesses are some of the most represented in many countries, employing millions of workers and making a huge contribution to the global economy. In fact, they represent around 90% of the business population and more than 50% of employment worldwide. In recognition of the sector, the General Assembly of United Nations declared June 27 a Micro-, Small and Medium-sized Enterprises Day to “raise public awareness of their contribution to sustainable development”. Such initiatives become even more relevant today, when many small companies face challenging times due to the pandemic. With small businesses looking to get going again, now is the time to take on board lessons learned and improvements that can help organizations move forward.
Technology as one of the key factors for survival
To adapt to the new reality, businesses have been strongly advised to adopt and embrace new technologies so they can continue to operating effectively during the COVID-19 lockdown. That meant introducing new digital tools for collaborative working or specific ones for online sales for example, to enable effective remote working while maximizing productivity. Indeed, according to a survey from the Connected Commerce Council, 76% of small enterprises in the US said they rely more on digital tools than before the pandemic and that without their use, a third would have had to close part or all of their business.
However, the attitude towards technology implementation is not uniform: some companies do not feel ready to adopt digital services and are reluctant to accept changes, even when operating under normal circumstances. Any halt to normality, or a crisis, can highlight the value of deploying new technology. I don’t mean dramatic innovations like the implementation of artificial intelligence or the Internet of Things. I’m talking about using technologies that facilitate operations, such as cloud-based or more convenient software.
Expectation of cloud adoption versus reality
Although cloud and SaaS are still buzzwords and their adoption rates considered high, many small businesses of up to 250 employees still use on-premise solutions. According to a survey from Analysys Mason, cloud-based applications are the top priority for these businesses, and 60% of them are planning to increase spending on cloud services. However, the survey also revealed that on-premise solutions still dominate in all types of services – including productivity, procurement, and business management software, among others.
The COVID-19 lockdown revealed the extent to which companies are ready to move the entire office to work remotely. Those that only have on-premises infrastructure may have struggled, as their IT administrators would not have had the tools or knowledge to manage employees’ desktops remotely.
Uncertainty, risks and compliance issues, and a lack of resources are all common reasons to resist making the move to cloud solutions. Lack of resources in particular is cited time and again, with IT managers of small and medium companies often having to maintain their infrastructures on a very limited budget or without any at all. With many businesses currently more focused on meeting immediate demands, it is understandable for strategic visions to be put on hold. But, as soon as the crisis is over, it will be important to bring back priorities and make adjustments to IT operations according to lessons learned.
Resistance to change
Sometimes, even small changes – such as software improvements that are designed to simplify usage – are met with mistrust.
Let me give you an example from our experience at Kaspersky. We regularly update our product features and functionality to enhance the user experience, such as, turning processes from manual to automatic to simplify security management. However, customers get used to manual actions and our support team often receives feedback asking for features to return to the previous way of working.
For example, in older versions of our endpoint security product for Windows, there was an option to manually manage a security application update, run and stop it. In later versions, a seamless upgrade was introduced to reduce the number of manual operations for IT administrators, meaning there was no ‘update’ button any more. The updates rolled out automatically when it was necessary, even when no one was working on a device.
Our product support team received dozens of requests from customers about this update, as they believed the product worked incorrectly. Most of the requests included questions like where to find the manual function, how to use it in the new version, why it has disappeared, and how to bring it back. As well as a reluctance to change, this reaction also highlights a key lesson for us as a vendor: all improvements should be explained to customers very carefully so they understand and buy into the benefits.
Change is scary but inevitable
COVID-19 has brought huge challenges for many small businesses. But if there is one positive to take from the situation is has to be the readiness for changes. All of the examples highlighted above are not only about taking a conscious decision to move to the cloud or a new way of working. It is about making a change to your overall mindset. Businesses should be open to new ways of doing things, especially if it simplifies their work. Changes don’t need to be wholesale, but small ones that make daily routines that little bit easier. During challenging times – like the one we are experiencing – when businesses have to transform on the fly in order to survive, this mindset will serve them well. I personally hope that the current crisis will never be repeated, but it’s always better to be prepared for anything that might come your way.
