Women today play a critical role in driving economic development. They are generating more wealth than ever before and gaining economic influence, particularly in the roles of consumers, wealth accumulators and investors.  According to Nielsen, by 2028, women will own 75 per cent of discretionary spending, making them the world’s greatest influencers. How are financial services catering to the needs of the modern woman? Lee Kim Siang speaks to Jacquelyn Tan, managing director, group head personal financial services, UOB to find out more. Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. This episode of Future of Finance podcast is presented by UOB. Highlights: 00:49 Financial needs and goals that women often face 03:03 The rise of financial independence among women 05:13 Empowering women financially 07:05 Women's spending patterns in Singapore 08:25 Unique benefits of female-only cards More about: UOB Lady’s Credit Card & Lady’s Savings Account UOB Card Deals UOB Savings Promotion Written and hosted by Lee Kim Siang (kimsiang@sph.com.sg) With Jacquelyn Tan, managing director, group head personal finance services, group retail, UOB Edited by: Emily Liu & Claressa Monteiro Produced by: Lee Kim Siang & Emily Liu Engineered by: Joann Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Future of Finance podcasts: Channel: bt.sg/btbrpod Amazon: bt.sg/bpam  Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Impact investing isn't just about financial returns; it's also about making a difference. However impact investing isn't without its challenges and complexities. We speak with Seah Kian Wee, CEO, UOB Venture Management to find out more. Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. This episode of Future of Finance podcast is presented by UOB. Highlights: 00:37: Is there a growing interest in impact investing? 03:33: Focus on South-east Asia and China 04:51: Sectors that have seen the most impact 07:06: Challenges and risks More about: UOB Venture Management Written and hosted by Lee Kim Siang (kimsiang@sph.com.sg) With Seah Kian Wee, CEO, UOB Venture Management Edited by: Emily Liu & Claressa Monteiro Produced by: Lee Kim Siang & Emily Liu Engineered by: Joann Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Future of Finance podcasts: Channel: bt.sg/btbrpod Amazon: bt.sg/bpam  Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

It’s never too early to start planning for retirement. As Singapore ages and living costs rise, there’s a growing risk of outliving our retirement savings. Lee Kim Siang sits down with Adrian Low from DBS to talk about how we can all get started with investing for retirement. Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. This episode of Tech in Finance podcast is presented by DBS. Highlights: 00:36 Why retirement planning starts early 03:12 DBS' holistic approach to retirement planning 04:50 Exploring DBS' Retirement digiPortfolio 08:28 Who should invest in DBS' Retirement digiPortfolio? More about: DBS Retirement digiPortfolio Investing according to your changing life stages Written and hosted by Lee Kim Siang (kimsiang@sph.com.sg) With Adrian Low, product manager, DBS digiPortfolio Edited by: Emily Liu & Claressa Monteiro Produced by: Lee Kim Siang & Emily Liu Engineered by: Joann Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Tech In Finance podcasts: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Starting a business is not an easy journey. Many obstacles along the way could make or break the dream. In this episode, BT’s Lee Kim Siang sits down with Paul Kan from UOB to talk about the challenges faced by young entrepreneurs in the startup landscape, and the resources out there for budding entrepreneurs.  Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. This episode of Future of Finance podcast is presented by UOB. Highlights: 00:40 Rising costs and cash flow management 02:26 Integrated solutions for business efficiency 04:02 Supporting women entrepreneurs 06:09 Advice for young entrepreneurs More about: UOB’s SME Hub Hosted by: Lee Kim Siang (kimsiang@sph.com.sg) With Paul Kan, country head, Business Banking Singapore, UOB Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Future of Finance podcasts: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

UOB is a leading patron of art in Asia, championing Southeast Asian art and artists across the region over the past four decades. What is the connection between art and banking? How has this shared history shaped UOB’s business today? Lee Kim Siang sits down with Christine Ip, head of group strategic communications and brand, UOB, to find out. Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. This episode of Future of Finance podcast is presented by UOB. Highlights: 02:11 History of UOB’s Painting of the Year Competition 03:45 Art’s role in UOB Heartbeat, the bank’s CSR programme 05:29 The impact of UOB's Painting of the Year competition 06:54 Collaboration with customers and artists 08:01 Strengthening relationships with customers through art More about: Championing Southeast Asian Art Hosted by: Lee Kim Siang (kimsiang@sph.com.sg) With Christine Ip, head of group strategic communications and brand, UOB Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Future of Finance podcasts: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

HSBC Singapore explores the digital transformation of the banking industry and its impact on businesses through its Digital Horizons report. How will the four key trends highlighted in the report drive the bank's future transformation? Priya Kini, head of commercial banking, HSBC Singapore, shares her takeaways with Claressa Monteiro. Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. This episode of Tech in Finance podcast is presented by HSBC Singapore. Highlights: 00:59 Four trends driving change in businesses 03:33 Insights from the Singapore market 06:03 HSBC's role in supporting client's future needs 08:35 HSBC's own digital transformation journey 10:31 Responding to changing client needs More about: International Business Banking | HSBC Singapore Building Smarter Business Together | HSBC Singapore Digital Horizons Report Page Written and hosted by Claressa Monteiro (claremb@sph.com.sg) With Priya Kini, head of commercial banking, HSBC Singapore Edited by: Emily Liu & Claressa Monteiro Produced by: Emily Liu Engineered by: Joann Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Tech In Finance podcasts: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

What if you were told that profits and the planet were not at odds? If you finance companies making the transition to cleaner energy, the outlook is bright for both economic and environmental growth!  Howie Lim speaks to Luke Edwards, managing director, Renewable Power & Transition, Brookfield Asset Management for more insights. Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. This episode is brought to you by Brookfield Asset Management. Highlights: 01:05 Interest in investing in net zero transition increasing 03:06 Investment in energy infrastructure must rise 05:53 Benefits to value chain productivity 11:55 Challenges with energy transition 14:23 Support for transition investing strategy 16:33 Building on the strategy More about: Brookfield Transition Investing https://www.brookfield.com/zero-compromise Renewable Power & Transition  https://www.brookfield.com/our-businesses/renewable-power-transition Written and hosted by: Howie Lim (howielim@sph.com.sg) With Luke Edwards, managing director, Renewable Power & Transition, Brookfield Asset Management Edited by: Claressa Monteiro & Howie Lim Produced by: Howie Lim Engineered by: Joann Chai Pei Chieh Executive Producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT branded podcasts: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

As many financial entities adopt a digital first approach, digital inclusivity becomes more of a concern. What can be done to assist those who face challenges adapting?  Serene Koh, head of group digital business and transformation, global consumer financial services, OCBC shares their strategies with Howie Lim.  Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. This episode of Tech in Finance podcast is presented by OCBC. Highlights: 00:58 How inclusive true digitalisation is 02:13 Digital first is not digital only 04:05 Digitally assisting when needed 06:20 Assisting less digitally savvy employees 09:29 Changing mindsets 11:16 Closing gaps in the transformation journey More about: OCBC Personal Banking Accountshttps://www.ocbc.com/personal-banking/deposits.page OCBC Digital Silvers Programmehttps://www.ocbc.com/personal-banking/campaign/silver-years-digital-workshops.page OCBC Money Lockhttps://www.ocbc.com/personal-banking/security/secure-banking-ways/ocbc-moneylock.page Written and hosted by Howie Lim (howielim@sph.com.sg) With Serene Koh, head of group digital business and transformation, global consumer financial services, OCBC Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Joann Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Tech In Finance podcasts: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

HR can be the crucial conduit to catalyse the virtuous cycle which benefits businesses and their employees. Howie Lim gets Aslam Sardar, CEO of the Institute for Human Resource Professionals (IHRP) to explain how exactly job redesign can get that virtuous cycle going.   Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media, in collaboration with WSG. Highlights: 01:00 Job redesign from HR perspective 02:31 Trends for different sectors 03:41 IHRP addressing specific workforce challenges 06:06 The role of HR in job redesign 07:23 The strategic tool to help productivity increases 07:42 The poster children for job redesign More about: Workforce Singapore (WSG) https://go.gov.sg/hp-wsg Job Redesign initiatives for different sectors https://go.gov.sg/hp-wsgjr Support for Job Redesign under Productivity Solutions Grant (PSG-JR) https://go.gov.sg/hp-psgjr Written, hosted and produced by Howie Lim (howielim@sph.com.sg) With Aslam Sardar, CEO, the Institute for Human Resource Professionals (IHRP) Edited by: Howie Lim & Claressa Monteiro Engineered by: Joann Chai Pei Chieh Executive Producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Hired: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Mark To Market: bt.sg/btmark2mkt  WealthBT: bt.sg/btwealthbt PropertyBT: bt.sg/btpropertybt BT Market Focus: bt.sg/btmktfocus BT Podcasts: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Many may fear going through job redesign but Ethan Ho from OCBC makes it sound like a walk in the park! He tells Howie Lim how supportive his bosses and colleagues were.  Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media, in collaboration with WSG. Highlights: 02:10 Differences in perspective after job redesign 03:12 How job redesign streamlined menial tasks 05:20 Benefits of agile methodology 07:10 Overcoming challenges of job redesign 08:30 Biggest takeaway from job redesign More about: Workforce Singapore (WSG) https://go.gov.sg/hp-wsg Job Redesign initiatives for different sectors https://go.gov.sg/hp-wsgjr Support for Job Redesign under Productivity Solutions Grant (PSG-JR) https://go.gov.sg/hp-psgjr Written and hosted by Howie Lim (howielim@sph.com.sg) With Ethan Ho, an assistant vice president at OCBC Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim  Engineered by: Joann Chai Pei Chieh Executive Producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Hired: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Mark To Market: bt.sg/btmark2mkt  WealthBT: bt.sg/btwealthbt PropertyBT: bt.sg/btpropertybt BT Market Focus: bt.sg/btmktfocus BT Podcasts: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

A common misconception surrounding job redesign is that employees resist, need to be cajoled or ‘hand-held’ into it. Meet Peter Wu from South Beach Consortium who asked for it, got it, did it and won awards for the company after! A success story if we’ve ever heard one. Howie Lim also speaks to his general manager, Samantha Tan.  Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media, in collaboration with WSG. Highlights: 00:43 The motivation to pursue career conversion 02:23 Common misconceptions of job redesign 03:52 The challenges of job redesign and how to cope 06:02 Let purpose be your guide 07:18 SBC’s long term vision 09:27 Benefits of job redesign for the employer More about: Workforce Singapore (WSG) https://go.gov.sg/hp-wsg Job Redesign initiatives for different sectors https://go.gov.sg/hp-wsgjr Support for Job Redesign under Productivity Solutions Grant (PSG-JR) https://go.gov.sg/hp-psgjr Written, hosted and produced by Howie Lim (howielim@sph.com.sg) With Samantha Tan, general manager and Peter Wu, senior manager, operations, innovations and sustainability, South Beach Consortium. Edited by: Howie Lim & Claressa Monteiro Engineered by: Joann Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Hired: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Mark To Market: bt.sg/btmark2mkt  WealthBT: bt.sg/btwealthbt PropertyBT: bt.sg/btpropertybt BT Market Focus: bt.sg/btmktfocus BT Podcasts: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

At the heart of upskilling and reskilling is staying employable. But what does upskilling and reskilling in the era of digital disruption and AI really entail? What are the challenges of upskilling and why is unlearning just as important? Claressa Monteiro finds out.  Synopsis: A monthly podcast series from The Business Times on current affairs, societal issues and government policies explored through the lens of how it impacts us in Singapore and in the region. Highlights of the conversation: 00:53 Reality of upskilling and reskilling 05:58 Importance of unlearning 10:01 AI and job displacement 12:45 Employer's role in upskilling 17:44 Uniqueness for job opportunities Written and hosted by: Claressa Monteiro (claremb@sph.com.sg) With Brandon Lee, assistant chief executive of Workforce Singapore, Alvin Goh, executive director of Singapore Human Resources Institute and Derrick Chang, CEO of PSB Academy Edited by: Claressa Monteiro  Produced by: Claressa Monteiro & Joann Chai Pei Chieh Engineered by: Joann Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media. --- Follow BT Lens On:  Channel: bt.sg/btlenson Apple Podcasts: bt.sg/lensap Spotify: bt.sg/lenssp Google Podcasts: bt.sg/lensgo Website: bt.sg/lenson Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Mark To Market: bt.sg/btmark2mkt PropertyBT: bt.sg/btpropertybt WealthBT: bt.sg/btwealthbt BT Market Focus: bt.sg/btmktfocus BT Podcasts: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpodSee omnystudio.com/listener for privacy information.

The liquidity of gold is arguably on par with some of the major global currency debt and equity markets, such as the S&P 500. Does this mean in 2024 we should put our money in gold jewellery or gold ETFs? Howie Lim gets advice from Robin Tsui of State Street Global Advisors SPDR. Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  00:56 Gold’s performance in 2023 02:16 Gold continues testing record highs 06:15 The ultimate diversifier 07:44 High liquidity not compromised 10:48 Outlook for 2024 Written and hosted by: Howie Lim (howielim@sph.com.sg) With Robin Tsui, APAC gold strategist & SPDR gold sales specialist, State Street Global Advisors SPDR Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media Follow BT Money Hacks podcasts every first and third Monday of the month: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

How much do you know about CBDCs and how it’ll affect you? This digital form of money which is available to the general public and a liability of the central bank gives you broad access to digital money that is free from credit risk and liquidity risk.  Howie Lim gets insights from Janet Young, managing director and head, group channels and digitalisation, strategic communications and brand at UOB. Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. This episode of Future of Finance podcast is presented by UOB. Highlights: 01:14 MAS’ Project Orchid 02:35 UOB’s involvement and purpose-bound money 04:59 Local banks and Orchid Pilots 07:14 The evolution of tech stacks 09:35 Whole CBDC; future of money 10:50 What it all means for consumers More about: UOB https://www.uobgroup.com/uobgroup/index.page  UOB Innovations https://www.uobgroup.com/techecosystem/sff/index.html#innovations UOB: Corporate & Institutional Banking https://www.uob.com.sg/corporate/index.page Written, hosted and edited by Howie Lim (howielim@sph.com.sg) With Janet Young, managing director and head, group channels and digitalisation, strategic communications and brand at UOB. Engineered by: Joann Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Future of Finance podcasts: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Minority investor fury at Manulife US Reit, Sabana Reit and Dasin Retail Trust has turned the spotlight on the effectiveness of the statutory protections under the external-manager model adopted by most Singapore Reits and business trusts. But switching to an internal-manager model is not a simple matter.  Synopsis: Listen to senior correspondent Ben Paul's analysis and insight on market trends and corporate issues in Singapore in this podcast series based on his weekly column in The Business Times. Highlights of the podcast: 02:06 Perilous outlook for Reits, property trusts in 2024 04:32 Manulife US Reit sponsor less than generous 10:32 Sabana, Dasin unitholders want internal managers 13:09 Manager-internalisation pathway will boost market 16:30 Should investors bet on Manulife US Reit’s recovery? Written and hosted by: Ben Paul (benpaul@sph.com.sg) Edited by: Howie Lim & Claressa Monteiro Produced by: Ben Paul & Howie Lim Engineered by: Joann Chai Pei Chieh A podcast BT Podcasts, The Business Times, SPH Media Follow BT Mark To Market: Channel: bt.sg/btmark2mkt Apple Podcasts: bt.sg/4DJp Spotify: bt.sg/4DJN Google Podcasts: bt.sg/4D2E Website: bt.sg/mark2mkt Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks WealthBT: bt.sg/btwealthbt PropertyBT: bt.sg/btpropertybt BT Podcasts: bt.sg/pcOM BT Market Focus: bt.sg/btmktfocus BT Branded Podcasts: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

The unsung heroes of the pandemic were undoubtedly the logistics sector. And industry transformation and job redesign help propel it further, allowing them to tirelessly continue their essential work. Howie Lim speaks to Ricky Loo, CEO of CWT Integrated to find out how job redesign has helped some positions become as fun as playing computer games! Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media.  Highlights: 01:17 The long journey of transformation 03:16 Successful job redesign in logistics 04:43 Mentorship key to employee buy-in 06:35 Staff embracing job redesign 08:04 How job redesign has helped the industry 08:52 The continuing evolution of logistics More about: Workforce Singapore (WSG) https://go.gov.sg/hp-wsg Job Redesign initiatives for different sectors https://go.gov.sg/hp-wsgjr Support for Job Redesign under Productivity Solutions Grant (PSG-JR) https://go.gov.sg/hp-psgjr Written, hosted and produced by: Howie Lim (howielim@sph.com.sg) With Ricky Loo, CEO of CWT Integrated Edited by: Claressa Monteiro Engineered by: Joann Chai Pei Chieh Executive producer: Claressa Monteiro A podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Hired: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Mark To Market: bt.sg/btmark2mkt  WealthBT: bt.sg/btwealthbt PropertyBT: bt.sg/btpropertybt BT Market Focus: bt.sg/btmktfocus BT Podcasts: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Is there still a place in your portfolio for real estate and property investments? Can real estate investing still help you build wealth in 20204? Howie Lim gets insights from Paul Tostevin and Alan Cheong from Savills, Lee Nai JIa from PropertyGuru Group and Benny Ong from I Quadrant.  Synopsis: Every first and third Monday of the month, The Business Times breaks down useful financial tips. Highlights of the conversation:  01:12 Outlook for property investment in 2024 05:00 Real estate market presents wealth building opportunities 09:56 Property still has a place in portfolio 13:15 Where the opportunities are Written and hosted by: Howie Lim (howielim@sph.com.sg) With Lee Nai Jia, head of real estate intelligence, data and software solutions, PropertyGuru Group, Paul Tostevin, head of Savills world research, Alan Cheong, head of research Singapore at Savills and Benny Ong, co-founder, I Quadrant.  Edited by: Howie Lim & Claressa Monteiro Produced by: Howie Lim Engineered by: Howie Lim A podcast BT Podcasts, The Business Times, SPH Media — Follow BT Money Hacks podcasts every first, third and fifth Monday of the month, and rate us on: Channel: bt.sg/btmoneyhacks Apple Podcasts: bt.sg/oeXe  Spotify: bt.sg/oeGN  Google podcasts: bt.sg/oeGP  Website: bt.sg/moneyhacks Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Mark To Market Podcast at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Branded Podcasts at: bt.sg/brpod BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

As Generative AI begins its integration into daily banking operations in the name of productivity and efficiency, one inevitably worries about the safety of one's assets and data. But technology enabling the financial services space is nothing new. However, enabled as well are bad actors. How can the sector ensure safety and assuage fears?  Jenita Soetanto, Executive Director, Enterprise Data Delivery Monetisation, UOB shares strategies with Howie Lim.  Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. This episode of Tech in Finance podcast is presented by UOB. Highlights: 01:26 How AI helps the customer 03:00 Classical AI vs. Generative AI 06:06 Generative AI solutions unearth loopholes 07:05 Responsible deployment of AI 08:45 Customers’ data is rigorously guarded More about: UOB pioneers trial of Microsoft 365 Copilot Generative AI tool https://www.uobgroup.com/uobgroup/newsroom/2023/uob-microsoft-copilot-genai-tool.page?path=data/uobgroup/2023/278&cr=segment UOB to build new global technology and innovation centre in Punggol Digital District https://www.uobgroup.com/uobgroup/newsroom/2023/uob-build-new-global-tech-and-innovation-centre-in-punggol-digital-district.page?path=data/uobgroup/2023/265&cr=segment UOB all-in-one TMRW app https://www.uob.com.sg/personal/digital-banking/index.page Written and hosted by Howie Lim (howielim@sph.com.sg) With Jenita Soetanto, executive director, enterprise data delivery monetisation, UOB Edited by: Howie Lim & Claressa Monteiro ​Produced by: Howie Lim ​Engineer​ed by: Joann Chai Pei Chieh ​Executive producer: Claressa Monteiro ​A​ podcast by BT Podcasts, The Business Times, SPH Media ---  Follow Future of Finance podcasts: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks at: bt.sg/btmoneyhacks BT Mark To Market at: bt.sg/btmark2mkt  WealthBT at: bt.sg/btwealthbt PropertyBT at: bt.sg/btpropertybt BT Market Focus at: bt.sg/btmktfocus BT Podcasts at: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

How to achieve net-zero emissions through climate innovation? Dr. Steve Howard, vice chairman for sustainability at Temasek, and Marisa Drew, chief sustainability officer at Standard Chartered discuss this with Keith Lin from Temasek’s sustainability and public affairs team, in this Ecosperity conversation.  They also delve into the importance of partnerships between public and private sectors, financial investment strategies in carbon markets and the significant role of the Earthshot prize. Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. This podcast is produced by The Business Times. In partnership with Standard Chartered and Temasek for Ecosperity. Highlights: 01:20 Earthshot prize and climate innovation 02:27 Challenges and opportunities in achieving net-zero 04:56 Innovation and investment in climate solutions  06:38 Financial innovation's role in climate action 09:22 Expectations from COP28 13:51 Future focus areas and collaborative initiatives Hosted by: Keith Lin, director for sustainability, Temasek With Dr. Steve Howard, vice chairman for sustainability, Temasek and Marisa Drew, chief sustainability officer, Standard Chartered Edited by: Claressa Monteiro & Howie Lim Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media ---  Follow BT Branded Podcasts: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Mark To Market: bt.sg/btmark2mkt  WealthBT: bt.sg/btwealthbt PropertyBT: bt.sg/btpropertybt BT Market Focus: bt.sg/btmktfocus BT Podcasts: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

Employers have become a lot more open to the idea of growth and upskilling has become a lot more accessible to employers. But the shift is not coming fast enough. Howie Lim speaks to vice president, business development, APAC at Randstad, Mark Li for more insights. Synopsis: The Business Times Branded Podcasts; finely curated, intelligent, thought provoking content for decision-makers. Inspired by the newsroom of your trusted partner. Follow on audio apps Apple Podcasts, Spotify and Google Podcasts, or Google Home smart speaker devices. Produced by The Business Times, SPH Media. Highlights: 00:47 Fostering culture of employee development 03:10 Employers to support staff in continuous learning 04:56 Skills-based hiring’s impact on perception of degrees 06:35 Employee-employer expectations gap 09:40 Difference between job redesign and upskilling More about: Workforce Singapore (WSG) https://go.gov.sg/hp-wsg Job Redesign initiatives for different sectors https://go.gov.sg/hp-wsgjr Support for Job Redesign under Productivity Solutions Grant (PSG-JR) https://go.gov.sg/hp-psgjr Written and hosted by Howie Lim (howielim@sph.com.sg) With Mark Li, vice president, business development, APAC, Randstad Edited by: Howie Lim & Claressa Monteiro Recording engineer: Joann Chai Pei Chieh Produced by: BT Podcasts, The Business Times, SPH Media ---  Follow Hired: Channel: bt.sg/btbrpod Apple Podcasts: bt.sg/bpap Spotify: bt.sg/bpsp Google Podcasts: bt.sg/bpgo Website: bt.sg/brpod Feedback to: btpodcasts@sph.com.sg Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.  --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Mark To Market: bt.sg/btmark2mkt  WealthBT: bt.sg/btwealthbt PropertyBT: bt.sg/btpropertybt BT Market Focus: bt.sg/btmktfocus BT Podcasts: bt.sg/pcOM BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.