Category Archives: Contributed

Cracking the Code to Digital Banking Success

“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. 

Photo by energepic.com from Pexels

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.

The issuing of digital banking licenses and introduction of online-only financial institutions in the region have raised the expectations of banking services of today. With banking customers in the region preferring digital channels to interact with their providers, incumbent banks in Asia-Pacific will have to find ways to address these needs by looking at their IT infrastructure to support and enable their business model.

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.

Pandemic Outcome for Small Businesses: Why It’s Time to Change Attitudes Towards Technology

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.

Photo by ThisIsEngineering from Pexels

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.

Photo by panumas nikhomkhai from Pexels

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.

Photo by bongkarn thanyakij from Pexels

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.

Why Technology is The Key to Malaysia Overcoming the Fallout from COVID-19

Despite its developing economy, Malaysia is still prone to instability and disruption, both natural and man-made.

The ongoing pandemic has shown us that, but it has also raised another concern – how do businesses continue to manage and maintain operations when staff are unable to physically access the workplace or technical facilities, and yet are still required to be ‘present’ and productive by their employers?

In the long term, the solution will require a change in mindset, organisational behaviour, and a new way of doing business. However, in the short term, technology can help.

Technology steps up in time of need

As millions of workers remain isolated, the pivotal role of technology and how it helps keep the country’s economic engine running has been pushed into the spotlight.

Over the past few turbulent months, a range of software, solutions and applications have ensured that prescient businesses continue operating while navigating the recent unpredictability and uncertainty.

Without a doubt, cloud technology has helped. The adoption of public, private and hybrid cloud services provided access to, and availability of, critical data.

At the same time, the transition from hardware-based to software-defined infrastructure has meant that physical access to offices, tech facilities or datacentres is no longer required and central operations can be handled remotely or by a skeleton staff. Thus, the heart of many organisations has continued pumping.

A truly mobile workforce

VDI (Virtual Desktop Infrastructure) and DaaS (Desktop as a Service) are perfect examples of how technology is keeping businesses across Malaysia and Asia running. VDI is a cloud-hosted desktop normally located in an on-site datacentre and operated and maintained by in-house IT personnel.

The advantages of VDI is that it provides the ability to customise and control the on-site hardware and environment – ideal for companies with highly sensitive data. The flexible infrastructure can also be easily expanded incrementally. This is an optimal solution in the face of unforeseen demand surges we have all experienced recently.

That said, the true benefit for the enterprise is that it provides mobility and flexibility for personnel without compromising business security, productivity or performance. VDI allows employees to work from anywhere, on any device with secure and complete access to their work desktop, files and network.

At the height of the Hong Kong unrest, the city’s financial giants used VDI to maximise the safety of their staff, avoiding unpredictable and hazardous commutes, and allowing them to operate safely and securely at peak capacity.

DaaS on the hand is a fully outsourced solution providing a virtual desktop. It neither relies on, nor consumes, any internal hardware. It provides the same flexibility, safety, security and access as VDI – but it is fully handled by a third-party cloud provider and hosted on their cloud.

A software-based future

Together, VDI and DaaS provide Malaysia’s businesses with a simple and accessible option for ensuring their staff remain productive and efficient no matter where they are physically located. The two models are set to become central pillars of the nation’s business survivability strategy as companies seek to mitigate future risk and disruption.

For those businesses caught with an isolated workforce, there is affordable, accessible and immediate relief at hand. 

As VDI and DaaS are cloud-based solutions, virtual workspaces for teams, customers, or partners can usually be up and running in under an hour. Isolated staff can then have safe and secure access to any application simply from their home web browser, with no software download or upgrade required. It is almost as simple as point and click.

For Malaysia’s intelligent businesses, their prudent approach in a volatile region is already paying dividends.  For the rest of the country’s companies, the sooner we all embrace the modern tools we require to keep our staff safe, mobile and productive, our business resilient to disruption, and our economies growing in turbulent times, the sooner we will secure our future. It is up to all of us to ensure Malaysia continues to play a leading role in ASEAN’s future success.

Parenting Digital Natives

*This article is contributed by Nana Murugesan, Managing Director, International Markets, Snap Inc.*

Parenting the next generation always raises a new set of challenges as well as opportunities. After all, new parents are raising their children in a world that is very different from the one they experienced in their own childhood. Over the past couple of decades, technology has also changed things more fundamentally with parents today raising a generation who at times can feel as if they are speaking an entirely different language to them.

In his 2001 paper “Digital Natives, Digital Immigrants,” the author Marc Prensky said that the rapid arrival and dissemination of digital technology at the turn of the century has created a generation of digital natives who have grown up immersed in technology and who are separated from the generations before who have come to learn technology.

Today’s parents face the challenge of parenting digital natives in a rapidly evolving world that their children understand and adapt to far better than themselves. But while it can sometimes feel like they are inhabiting different worlds, there are ways in which parents can bridge the gap.

Celebrity parents such as Reese Witherspoon and Julianne Moore have realised that Snapchat is a cool way of communicating with their teenage children. The platform can be part of any parent’s digital set up to maintain and develop an intimate relationship with their digital native offspring

Understand their thoughts to understand their actions 

A study conducted by Snap Inc, The Friendship Report[1], explored friendships in four distinct age generations, from Gen X to Gen Z. While both Millennials and Gen Zs can be classified as digital natives, there are some key differences in how they interact and present themselves in the (digital) world.

From The Friendship Report, 37% of Gen Z in Malaysia was found to be more selective over the people they let into their close circle of friends, as opposed to Millennials, who are comfortable sharing intimacies beyond the borders of their close friends.

This is also reflected in differing preferences for social and messaging platforms. While social networks are built to curate a digital representation of one’s self, Snapchat’s emphasis on privacy by design offers the ability to control who has access to your Snaps, is one of the reasons Gen Z’s prefer it over other, more public, platforms. Local Gen Z (27%) are more reluctant than Gen Y (56%) to share life updates publicly on Facebook.

At Snapchat, we have put a great deal of thought into how to empower young people to engage creatively, safely and positively with their close friends when online. Our app was built with privacy at its core — starting with ephemerality — and designed to combat the online popularity contests fuelled by other platforms. In line with that, Snapchat was deliberately designed to be free from public vanity metrics such as likes, comments or shares. Our focus is on creating fun and surprising experiences that make snapping with your best friends fun. We strongly believe that there are different types of screen time and that we should be judging quality and not quantity.

Get on their wavelength

While the familiar trope of parents attempting to be fun, hip or cool will outlast us all, there are ways to learn and understand your digital native’s language. One way is to meet them as an equal and show understanding, which begins with putting away judgement and nostalgia about “the way things were”.

One of the best ways to get to know someone is to find an activity to share. While Snapchat’s audience is predominantly made up of Millennial and Gen Z digital natives, there’s plenty to interest everyone, not just the teens. Create an account and explore the messaging app, which offers entertainment via Discover and Snap Games, and AR experiences through Lenses. Why not move your family group chat over to Snapchat, so you can discuss and celebrate genuine, private family moments with full control over what gets shared outside the group?

Things they don’t teach you in school

In today’s day and age where information is available at the tap of a finger, we have access to high resolution videos of the highest highs, and the lowest lows of humanity. It’s important not to be overwhelmed, and to tackle this anxiety-inducing state of affairs by educating ourselves and our children. Teach them to be discerning consumers who critically assess the information they gain over the internet. One key step is in learning to be discerning when choosing news outlets, which is a lifelong practice.

Discover is a curated platform, with shows and news coming from trusted news sources, and what you are served isn’t based on friends activity – preventing the widespread dissemination of fake news, or creating an echo chamber.

Parenting often involves having one foot in the present and another in an unknown future. While all parents want the best for their children, we can learn to be nimble, and collaborate with our digital natives. Along the way, they might teach us a thing or two about this brave new world, though they can’t imagine a time before cellphones were a gateway to the rest of the world.

Bringing Intelligence to Medical Devices and Machines

Artificial intelligence (AI) is the science and engineering of creating machines or computer programs that can sense, reason, act, and adapt to come up with solutions for problems. As this definition shows, AI in itself is not a solution but rather a set of methods from which solutions can be developed.

Amongst the benefits of AI is its ability to imitate human cognitive behavior by analyzing data and its surroundings, solving or anticipating problems and self-learning to adapt to a variety of tasks.

Globally, healthcare systems are facing various challenges. This includes an ever-increasing aging population[1], escalating healthcare costs, operational inefficiencies, staff shortage, value-based reimbursements, higher percentage of deaths accounting to chronic illness, as well as an annual wastage of up to $750 billion on healthcare as seen in the United States alone. Against the background of these challenges, healthcare is also undergoing rapid digitalization.

For example, over the past decade, there has been an increase in growth of computational power, while the cost of data storage has dropped dramatically. As a result, the amount and quality of stored digital medical data has increased tremendously. However, there is a growing concern in healthcare that only a fraction of this data is being used to improve the quality and efficiency of care. The growth rate and diversity of medical data has far outpaced our ability to analyze it.

Recognizing this, Philips has developed intelligent solutions using these data and information on hand to help healthcare providers achieve improved health outcomes at a lower cost, while providing better staff and patient experience.

Philips Redesigning Medical Technology for Better

Philips offers a broad spectrum of solutions that spans the health continuum, from healthy living and prevention to diagnosis, treatment and home care; especially supported by its deep understanding in clinical needs, workflows, and regulations, as well as departmental and hospital workflows.

Spending approximately EUR 1.8 billion annually on R&D, innovation[2] is core to Philips’ growth strategy in health technology. In recent years, Philips has significantly improved its research in software and data science and today, almost one in every two of Philips’ R&D professionals focuses on the field of health technology.

On top of working closely with clinical partners across the globe – healthcare providers, academia, and hospital networks, Philips is among the top 5 healthcare IT companies with approximately EUR 3 billion in healthcare IT-related sales and has successfully developed the Philips HealthSuite Platforms, a digital framework that connects consumers, patients and healthcare providers in a cloud-based health ecosystem of devices, apps and tools.

Philips IntelliSpace Discovery offers an integrated AI solution that enables the entire process of generating new AI applications, providing data integration, training and deployment in the research setting.

Recognizing that public trust is paramount and understanding that health data is among the most sensitive types of personal data, Philips takes the growing risk of cybersecurity threats to its products very seriously. Security plans encompass people, processes and technology, with the goal of ensuring the confidentiality, integrity and availability of critical data and the systems that house that data.

How AI Can Help

Over the next decade, smart systems will be able to aggregate information from multiple sources that currently remain trapped in silos. For example, each individual patient’s data will be pulled together from the systems that are used in his/her GP surgery, hospital or specialist center, such as different Electronic Medical Records, diagnostic and monitoring solutions.

Today, slowly but surely, ASEAN countries are adopting AI and its elements to ensure systematic and efficient workflow within the healthcare industries.

Here is a quick look on how Philips is applying AI to address the challenges within healthcare industry:

  • Clinical informatics & decision supportPhilips IntelliSpace Portal offers an advanced visual analysis and quantification platform that uses machine learning to learn about the clinician’s workflow. It then automatically configures the system to apply the appropriate processing to specific types of studies to speed up their analysis.
  • Acute care – Philips IntelliVue Guardian System with Early Warning Scoring (EWS) aids in identifying subtle signs of deterioration in a general floor patient’s condition at the point of care. IntelliVue Guardian automated EWS helps to reduce ICU transfers and readmissions, and adverse events.
  • Home care – Philips CareSage, a predictive analytics technology that helps prevent avoidable hospital admissions and emergency room visits among the frail and elderly and DreamMapper, a mobile app that allows people with sleep apnea to track their therapy progress so they can take an active role in their therapy. It is designed to quickly correlate data on therapy usage, mask fit and apnea hypopnea index (AHI) readings to help improve treatment success.

[1] www.nia.nih.gov/research/publication/global-health-and-aging/preface. Published October 2011. Updated January 22, 2015. Accessed August 1, 2015.

[2]https://www.philips.com/a-w/about/news/archive/standard/news/press/2018/20181108-philips-provides-update-on-performance-and-value-creation-journey-at-capital-markets-day-in-amsterdam.html

Malaysians Have Been Searching for Everything from Condoms to Yoga Mats during the COVID-19 Pandemic

Since early March, the high rate of COVID-19 cases in Malaysia has resulted in the implementation of the Movement Control Order (MCO) nationwide. Soon after the official announcement, panicked purchasing increased drastically resulting in most daily necessities being sold out in most places.

With most Malaysians aware of the prolonged duration of the MCO, consumers are turning to online market places to obtain necessities and equipment to enable them to work-from-home (WFH). Thus, we investigated the search trends of more than 900,000 iPrice Malaysia visitors. The data has shed light on a number of interesting and unexpected findings.  

The research was conducted by analyzing the online search behavior of close to 1 million visitors on iPrice Malaysia between 18 March 2020, when the MCO was first enforced, and 17 April 2020. All percentage increases displayed in this research were obtained by comparing the search impressions data with consumers’ online search behavior prior to the implementation of the MCO.

1. Satisfaction is important, but safety always comes first

In the medical supply category, it was unsurprising to see a 648% increase in search interest for face masks such as surgical masks & N95 masks. However, it seems like Malaysians are getting adventurous as there was also a rise in interest for sex related products such as sensual toys, vibrators, fertility test kits & condoms.

From their search behaviours, we saw the following percentage increase in interest:

  • 347% increase in searches for sensual toys & vibrators
  • 79% increase in searches for fertility test kits
  • 61% increase in searches for condoms

While it seems like Malaysian could be indulging in self love and even more adventurous exploits, this also shows that Malaysians are being more cognizant of family planning especially with the increase in searches for fertility test kits.

2. Malaysians are running out of patience with their overgrown hair

The MCO began in the mid of March & has been ongoing for more than 6 weeks. This also means that most Malaysians probably have overgrown hair and are looking for ways to take care of it.  

iPrice data reveals major increase in searches for trimming clippers. In fact, the increase was an averaged 17,652%! This trend can also be seen throughout various social media platforms, where people has been sharing the results of their DIY haircut attempts.  

3. The MCO is potentially breading more MasterChefs

Malaysians are probably tired with packaged and delivered foods. As a result, they are turning to more home cooked food. Data reveals high interest in appliances such as bread makers, mixers, air fryers and ovens suggesting that people are showing interest in experimenting with various recipes.

This is supported by the increase in searches related to appliances including bread makers (7,587%), stand mixers (3,048%), ovens (1,058%) and air fryers (2,029%).

4. Malaysians Prefer the Nintendo Switch during the pandemic

The inability to go outdoors may have led to excessive boredom. As such, people are looking for ways to stay entertained at home. This could be driving the an increased interest in gaming. Data shows high search interest for gaming items such as the Nintendo switch, Animal Crossing game & board games such as Monopoly.

Nintendo’s latest game, Animal Crossing , saw a 17,427% increase in interest, while the Nintendo Switch saw an average increase of 1,064%. Board games, on the other hand, saw a 4,336% surge in interest among Malaysians.

5. Tablets preferred over laptops?

When it comes to preparing for WFH, Malaysians are probably looking to purchase tech that would allow them to be more productive; one would think that this would mean that they would be looking for laptops or PCs. However, the data indicates otherwise. In fact, it shows that Malaysian are turning more to tablets. On average, searches for tablets saw an increase of 1,125%, while laptops recorded a 299% increase.

This would suggest Malaysians are probably getting tablets for work or entertainment activities.

6. Staying fit indoors

Like many others on the internet, it seems that Malaysians are also worrying about gaining weight from being cooped up at home for too long. It’s all over social media! More people are showing an interest in working out at home. This is reflected in the data, there was a surge in searches for exercise equipment such as skipping ropes (4,528%) and yoga mats (2,016%).

Research methodology

Data featured in this study were obtained by aggregating thousands of product pages of more than 150 online merchants through https://iprice.my/. Data on the increase in searches were analyzed by comparing the impressions data recorded from March 18 – April 17, 2020 as compared to February 16, 2019 – March 17, 2020. 

Picture Perfect: Choosing the Best Projector Resolution for Your Needs

It started with The Magic Lantern in 1895, one of the earliest recorded functional projectors in history, the technology behind projectors today challenges the concept of flexibility, mobility and visual quality. The projector has evolved in so many aspects but one that is particularly significant: the projector resolution.

Projector resolution significantly affects the image quality and our viewing pleasure; it is a measure of clarity & size of the output image. ‘Resolution’ refers to the number of pixels on screen. A pixel is the smallest element on a screen display which produces a complete image when put together. Hence, greater resolution produces greater image quality.

What are the resolution formats available?

Resolution formats vary depending on the intended input/output device and purpose:

Resolution Format
SVGA (800 x 600 pixels)An affordable option for business, large venues and classrooms to project simple data, charts and short clips.
XGA (1024 x 768 pixels)Following the advancement of technology and computers, the XGA format became the native resolution for most desktops and laptops.
WXGA format (1280 x 800 pixels)The widescreen version of the XGA, a common resolution suited to movie-viewing and video gaming.
WUXGA (1920 x 1200 pixels)A standard format for modern desktops and laptops, commonly equipped in large venues due to its bright and high-definition content projection.

Why should we choose a higher resolution at work and schools?

The greater the number of pixels = The higher the resolution = The greater the image quality. When it boils down to image quality, high-resolution formats enrich the quality and detail of charts, graphs, texts and high-definition videos resulting in a sharper, cleaner image[1]. These details are vital for effective classroom learning.

A projector for your home cinema experience

Additionally, high-resolution projectors for home entertainment is an investment for avid moviegoers and film enthusiasts as it allows for an at-home cinematic experience. This allows you to control the quality of your experience to completely immerse yourself in cinematic adventures with more privacy and intimacy.

ResolutionsRecommended Usage
720p (1280 x 720 pixels)An economical choice for movie projection and is compatible with the standard HDTV format
1080p (1920 x 1080 pixels)The standard format for home theatre, commonly used for 1080i/1080p HDTV broadcast and Blu-ray formats
4K UHD (4096 x 2160 pixels)The highest resolution for moving pictures, this means crisp visuals with quality cinematic experience within the comfort of your home

How do we choose the right projector resolution?

It all depends on your content. To guarantee viewing quality and pleasure, the projector’s resolution must be compatible with the content output. For example, the WXGA resolution is best suited with 720p videos and a HD resolution with Blu-ray discs and 1080i HDTV[2]. The projected image quality depends on both the resolution of the content and the projector itself. You may compromise on the content’s quality if the resolution of your input device doesn’t match the resolution of your projector. This happens when your input device (laptop/smartphone), a WUXGA format is projected through XGA formatted projector. The number of pixels will be reduced to fit within the ratio of your projector, reducing the display quality. Hence, making a careful choice in a projector that matches or is higher than the resolution of the input device is necessary to guarantee fine image quality, minimum compression and maximum compatibility[3].

You should opt for solutions that include exceptional image quality with a low total cost of ownership accompanied with excellent reliability and service[4]. Unsurprisingly enough, Epson can provide these and more! Investing in a quality projector, no matter the physical setting and content can improve performance, productivity and ultimately – viewing pleasure.


[1] https://epson.com/projector-guide-how-to-buy-a-projector-resolution

[2] https://electronics.howstuffworks.com/gadgets/high-tech-gadgets/video-projector-buying-guide1.htm

[3] https://www.projectorpoint.co.uk/projector-resolution

[4] https://epson.com/projectors-and-displays

Is Privacy Our Sole Concern With Contact Tracing Technology?

This week the Guardian reported an alleged ‘standoff’ between the NHSX (the digital innovation arm of the NHS) and tech giants Google and Apple regarding the deployment of contact tracing technology aimed at curbing the spread of the Covid-19 virus. The debate is on two predominant issues; first, the base technology to be used and second, how the data will be stored.

Sidestepping the first issue which sees Google and Apple aiming to implement their feature directly on a device’s operating system while the NHSX version requires a downloadable dedicated application, this article will focus on the issue of privacy arising from the second issue.

In essence, Apple and Google have insisted that if there is to be any collaboration between the NHSX and them for the purposes of contact tracing the storage of all data will have to be decentralised. The NHSX, on the other hand, is pushing for centralised storage of data.

What’s the difference?

Before deciding on one system or another, it’s best to understand the basics of the distinction between these systems.

A centralised system has a single storage point and controller of the data collected. The central controller of the data may grant access to other users but remains ultimately responsible for the system as a whole. A centralized system is relatively easy to set up and can be developed quickly. Such a system is very useful where continuous modifications to the parameters of the system are expected or where the use of the data needs to be adapted for different purposes.

In contrast, a decentralised system has multiple controllers of data all of whom collect and store copies of the data on their respective systems. This system allows for quicker access to data and less risk of downtime as a fault with one controller will not necessarily affect the others.

The third form known as a distributed system in which there is no single central owner at all and instead gives collective ownership and control to each user on the network is unlikely to be used by either party.

Each system has its advantages and disadvantages and to make a decision between a centralised and a decentralised system the NHS and the tech giants will need to take into consideration a range of issues including:-

  1. The overall effectiveness of the technology;
  2. The adaptability of the system to the shifting demands of research;
  3. The cost of deployment and maintenance;
  4. Whether or not the system is a security risk for the user;
  5. Whether there are compliance concerns.

Why is a decentralised system so important?

Google and Apple have been clear that the reason for a proposed decentralised system is to avoid the risk of mass government surveillance presently or in the future. This is a genuine concern as the data being collected will be directly related to a user’s location and medical history. Although not absent from criticism, this position is the preferred option and has been supported by academics and numerous civil rights groups including the Electronic Frontier Foundation and the American Civil Liberties Union. 

Still, the European position is split with the seven governments supporting the project known as the Pan-European Privacy-Preserving Proximity Tracing (PEPP-PT) which proposes a centralised repository of data and a growing following for the Decentralised Privacy-Preserving Proximity Tracing (DP-3T) advocating a decentralised system.

The NHS itself may not be intent on surveillance however being publicly funded draws immediate speculation to its government links. In addition, both the NHS and the UK government have had a poor record of handling large scale IT projects such as the failed £11bn National Programme for IT, scrapped in 2011 and the plans for a paperless NHS by 2018 which could not even take off.

What about the NHS position?

Unfortunately, the focus on privacy risks coupled with the NHS’s bad track record in the field of technology projects have detracted from the core issue at hand – What does the NHS need right now to curb the spread of the Covid-19 virus?

Ross Anderson, an advisor to the NHS on its contact tracing application highlighted the problem with a decentralised system:-

…on the systems front, decentralised systems are all very nice in theory but are a complete pain in practice as they’re too hard to update. We’re still using Internet infrastructure from 30 years ago (BGP, DNS, SMTP…) because it’s just too hard to change… Relying on cryptography tends to make things even more complex, fragile and hard to change. In the pandemic, the public health folks may have to tweak all sorts of parameters weekly or even daily. You can’t do that with apps on 169 different types of phone and with peer-to-peer communications.

(https://www.lightbluetouchpaper.org/2020/04/12/contact-tracing-in-the-real-world/)

The Covid-19 virus took approximately 2 months to infect 100,000 UK residents and the spread has shown few signs of a slowing infection rate. Time is critical in this situation and correspondingly, flexibility in adapting to the constantly changing nature of the infection is a necessity. Decentralised systems do not allow for rapid evolution.

In addition, we should consider that unlike centralised systems, decentralised systems are often unencrypted. While trying to prevent a government from carrying out surveillance, the Google and Apple system may inadvertently open itself up to more security problems than expected. In fact, they have themselves admitted this risk stating that nothing is “unhackable”.     

As a second consideration, the API that Google and Apple will release will likely have strict limitations on the type of data that may be collected. For example, the NHS would not be able to gather a list of every person a user has been in contact with based on user proximity. Instead, it will utilise a more manual version of contact tracing involving sending every phone in the system a list of other phones that have been reported as contagious, and asking the user whether they have “seen this user” Such a system relies heavily on user verification which is often incorrect or simply disregarded.

Key location data which may be used for developing population flow maps and anticipating the further spread of the virus will likely not be made available under Google and Apple’s current proposal. It is also important to note that data from contact tracing could be used beyond the scope of curbing the spread of the virus i.e. for decisions on directing the flow of emergency aid, development of temporary healthcare facilities, deployment of healthcare equipment and personnel.   

What has been going on elsewhere?

Contrasting the UK’s situation, the Asian experience, having less stringent data protection regulations, have taken remarkably different approaches to Europe in general.

Hong Kong, for example, introduced the mandatory use of an electronic wristband connected to a smartphone application to enforce quarantine for arrivals from overseas. Users refusing to adopt this requirement are refused entry into the country.

South Korea won praise for both tracking and publishing data relating to affected person’s travel routes and affected areas, the data being collected through the government’s application as well as numerous independent applications. Residents also receive numerous location-based emergency messages and are not allowed to opt-out of this function.

China’s measures, which have come under considerable question, see a private entity collaboration through the Alipay Health Code. Citizens are given a ‘traffic light’ status that determines the restrictions that will be imposed on them. Although the exact basis for determining a person’s status is not known the status has widespread application including restriction of access to certain public facilities and payment systems.

Privacy concerns of these measures aside, all these countries have seen a considerable reduction in the spread of the Covid-19 virus. While it would be premature to suggest that this is solely attributable to the contact tracing measures implemented there is no doubt that the quick and extensive deployment of the technology has contributed to the battle against the virus’ spread which begs the question:

Is privacy getting in the way?

In 1890, Brandais and Wallace, pioneers of modern day privacy wrote:-

…To determine in advance of experience the exact line at which the dignity and convenience of the individual must yield to the demands of the public welfare or of private justice would be a difficult task…

The UK and indeed Europe are at this juncture and need to decide on the cost of the compromise as the death toll and infection rate continue to increase. History reminds us that the greatest privacy and surveillance violations occurred when the world was focused on a raging war and in fact it is times like this that we must be most vigilant about rights.    

Boosting Banks’ Customer Experience with Operational Efficiency

The way banking is being conducted around the world is changing, especially with customers who are always connected through mobile phones and with 5G not far away in many places.

Coupling that with the rising levels of wage growth entrepreneurship and government policies for financial inclusion, banking’s traditional customer journeys and distribution models won’t scale nor reach the average consumer, and will be significantly cost-prohibitive for the average bank to service. The idea that a consumer needs to visit a branch doesn’t even come into their equation.

Moreover, the consumption of banking products from FinTechs, including unsecured lending, peer-to-peer payments, merchant payments, and business credit, is on the rise. Providers like Ascend Money and Rakuten are fast, simple and digital-first. Simply put, they engender customer satisfaction.  

To catch up with those competitors, many banks have embarked on digital transformation in an effort to transform their customer experiences. However, while many banks have — to some degree — a maturing “front end”, their middle and back offices are often made up of fragile and inflexible applications and data systems. Since such systems limit the bank’s ability to scale and adapt to change quickly, it prevents the front office from running efficiently, which in turn hinders banks from delivering innovative customer journeys.

Furthermore, as net interest margins will likely stay very slim, the continual pressure to make these middle and back-office systems operationally efficient is becoming a higher priority in CFO’s targets.

What are we seeing in the middle and back office in banking?

The prioritization to modernize the back-office applications, databases, and platforms in order to be agile can help re-engineer the customer journey and lower business as usual operations and change management costs. To achieve that, banks need to focus on the following areas:

  • IT infrastructure modernization, as most banks are still running on legacy IT systems that were deployed in silos. With business functions isolated from one another, it can be difficult for banks to deliver a seamless and consistent customer experience across various channels and services.
  • Digital process-driven application modernization. Many banking processes still rely heavily on manual or clunky processes to ensure compliance with policies and historic procedures. Credit adjustments, credit disputes, loan approvals, case management, fraud event management, for example, require human reviews and hand-written approval signatures. When coupled with KYC (know your customer) as a principal operating model, integrating this into manual or clunky processes is a must-have for improving customer experience.  

The keys to improving operational efficiency

Taking the application and infrastructure design lessons learnt from the digital front-end services — such as being API-oriented, able to be deployed on a Linux container architecture, can scale horizontally, and have updates delivered rapidly through a microservice architecture — and applying them to the middle and back-office systems can help deliver the desired operational efficiencies.

Most banks, however, have decades of IP, rules, and processes hardcoded deep into the system, or have multiple clunky expensive business process management middleware workflow tools, each with their own proprietary extensions and interfaces. As such, modernization can be a difficult task, especially when they don’t know where to start.

Examples of success

BBVA — which operates in 30 countries with their associated regulatory jurisdictions and serves more than 72 million customers — was one bank that faced legacy issues. The bank managed to overcome these by modernizing the middle office business process and rules centric applications to be API first, easily extendable, globally reusable with consistent developer experience, scalable, container-based and open.

Capital One undertook a similar exercise with its middle office systems. Since the bank was initially using multiple case management process tools (each with their own interfaces, runtimes and toolsets), it decided to standardize and simplify its case management processes to improve its operations. By implementing an open source, API-oriented, easily scalable, and changeable case management and process management layer, Capital One managed to speed up delivery and drive down costs.

Speaking of APIs, these have typically been utilized as a software design principle for digital front ends in banking. However, having middle and back-office systems and data with an API layer across these can drive much greater operational efficiency. With customer journeys or compliance services increasingly demanding back-office systems to be integrated, what better way of connecting those systems than to leverage APIs?

The trick to doing so successfully is to design and modernize middle and back-office applications with useable and scalable APIs to integrate the digital and front office systems of engagement with.

Moreover, as these applications and databases become updated with APIs as integration points, the use of microservices can be important in improving transactional and operational efficiency. This relates to the lowering of IT infrastructure costs and driving down the cost of IT delivery year on year.

As applications are modernized with APIs and a microservice application architecture, they are often deployed on Linux containers. For the product and customer support managers in the bank looking for ways to make constant variations to their systems — either to improve the back-office process, enhance a customer experience or meet compliance — having these systems running as small componentized microservices gives their IT team the ability to roll out updates to their system without taking down the entire application. This can give the bank a higher degree of agility, while helping to save cost because it can take significantly less time and fewer people to release an update.

All in all, providing exceptional customer experiences may call for banks to transform their digital experiences beyond impressive user interfaces. APIs, microservices, and other open source solutions can help with back-end processes that are highly integrated and streamlined. With more efficient back-office operations, banks around the world will be better prepared to provide the seamless user experience that customers expect.

Driving Digital Transformation in Malaysia Through Hybrid Cloud and Interconnected Data Centres

Digital transformation is no longer a thing of the future. In this increasingly digital marketplace, data is the key strategic asset for businesses to remain agile and effective.

To do so, more and more organisations are launching various digital transformation initiatives such as data analytics, machine learning, robotics, and artificial intelligence to boost their business’ returns and efficiency. Such efforts are already seeing measurable returns, according to 58% of C-Level executives in Malaysia in a study by Workday in partnership with IDC Asia Pacific[1].

Investing in the right technologies is crucial, and one area that businesses should look into is co-location and hybrid cloud computing.

The Competitive Edge of Hybrid Cloud Computing

With all the buzz surrounding cloud computing today, public cloud services have become a popular option among organisations. More businesses are migrating their services and application development to the cloud to take advantage of its cost efficiency, flexibility, scalability, and collaboration efficiency.

Image by Bethany Drouin from Pixabay

However, some local organisations may still be reluctant to migrate to the cloud. Among the key challenges that hinder them from adopting cloud in their day-to-day business operations include lack of awareness of the cost benefits and the cloud migration process as well as cyber security issues.

Cyber security is also an issue if the organisation’s applications use highly confidential data that can’t be stored off-premise. Public cloud services also have their fair share of concerns, such as performance, control, regulatory, compliance, and security threats. The existence of legacy monolith apps or systems may also prevent an organisation from making the migration. 

To address these challenges, many organisations are adopting hybrid cloud computing. In essence, a hybrid cloud is a computing environment that combines both public and private cloud. Part of the organisation’s IT capabilities and data are moved to the cloud (public) while certain elements remain hosted in a single-tenant environment (private).

Migrating to a full cloud environment without proper planning has its risks and pitfalls. A hybrid cloud model allows an organisation to streamline its day-to-day functionality without interrupting its core services. Hybrid cloud computing also offers a degree of flexibility and scalability since businesses can take advantage of the computing power of a public cloud when necessary while keeping essential business functions securely separated.

Furthermore, the computing workload of an organisation’s day-to-day operations will usually fluctuate depending on demand, making massive capital expenditures to handle short-term resource spikes costly and ineffective. Hybrid cloud computing with a direct connection to a global cloud service providers (CSP) would allow organisations to offload to a public cloud when required, so organisations only have to pay for the additional storage and compute resources they have ‘rented’ temporarily.

Selecting the Right Hybrid Cloud Deployment

The adoption of hybrid cloud technology has become increasingly important, however choosing the right data centre is also vital for any business strategy. Organisations need data centres that provide comprehensive global points of presence and connectivity. AIMS Data Centre, a leading cloud infrastructure services provider in Malaysia, offers direct access to multiple global CSPs. Instead of multiple connections, a single connection is all that is required to connect to global CSPs, simplifying IT infrastructure management. The connection also bypasses the public Internet, which enables better latency and enhanced security & consistency when accessing cloud services.

By co-locating with AIMS, businesses can be linked to its dynamic ecosystem for faster, more optimised performance. As one of the most interconnected data centres in the region, AIMS Data Centre can help to accelerate your company’s digital transformation and deliver greater value to customers and stakeholders. 

Improving Business Efficiency Through Interconnected Data Centres

In the past, businesses had to allocate resources to maintain a server room with its own specialist team to manage and maintain individual servers. Today, businesses can greatly reduce their operational expenditures by co-locating in dedicated interconnected data centres, which are instrumental in connecting, supporting, and safeguarding an international business network thanks to their larger bandwidth and capability to connect to multiple transit providers.

Image by TheAndrasBarta from Pixabay

As the point of connection for local and international Internet Service Providers as well as content providers, a business co-locating at AIMS Data Centre will enjoy direct peering privileges, which means optimised traffic and services at a lower cost. 

Data centres like AIMS also offer a host of benefits that organisations may not have the time and resources to set up, such as specialised cooling containment technology, customisable rack solutions, uninterruptible power supply systems, and 24/7 round-the-clock security, monitoring, and support. This means an organisation’s IT team can focus on their core business and maximise its potential, while AIMS takes care of the rest.   


[1] https://www.digitalnewsasia.com/digital-economy/malaysia-leads-apac-showing-returns-digital-transformation-projects