Sunday, May 31, 2020

REACH - 92. Difficulty faced by hawkers and seniors in digital payment (SK)
01 Jun 2020 (12pm - 8pm)

REACH
[12:04 pm, 01/06/2020] : ⏰ Our chat will be open till 8pm today ⏰
๐Ÿ“ข Topic ๐Ÿ“ข
The formation of the SG Digital Office will drive the Government’s concerted new push to accelerate digital adoption in our community, as Singapore embarks on a phased economic recovery post COVID-19.
Said Minister Iswaran: “COVID-19 has irrevocably changed the way we lead our lives. While some of us have been able to make the necessary adjustments to work, learn or socialise from our homes because we are digitally connected, that is not the case for some of the elderly and vulnerable amongst us. Their lives can be better if they too are as digitally connected. The Government recognises that in the wake of COVID-19, digitalisation is now both an imperative and an opportunity.
“Digitalisation can significantly improve the lives and livelihoods of our people. We are therefore seizing the moment, by establishing the new SG Digital Office and doubling down on our efforts to help every individual, worker and business go digital. For a start, SDO will recruit 1,000 Digital Ambassadors to help stallholders and seniors go digital. Working with like-minded members of the community, corporate entities and individuals, SDO will drive Singapore’s national digitalisation movement, to ensure that everyone has a place in Singapore’s digital future”.
To ensure everyone has a place in Singapore's digital future, what do you think are the challenges faced by seniors and stallholders in going digital?
๐Ÿ‘‰https://www.channelnewsasia.com/news/singapore/1000-digital-ambassadors-recruit-help-stallholders-seniors-12789146
๐Ÿ‘‰https://www.straitstimes.com/singapore/new-sg-digital-office-to-encourage-digitalisation-among-seniors-and-hawkers
๐Ÿ‘‰https://www.imda.gov.sg/news-and-events/Media-Room/Media-Releases/2020/New-SG-Digital-Office-Established-to-Drive-Digitalisation-Movement
+65 8637 2164 changed this group's settings to allow all participants to send messages to this group.

[12:06 pm, 01/06/2020] : ๐Ÿ“ข Topic ๐Ÿ“ข
To ensure everyone has a place in Singapore's digital future, what do you think are the challenges faced by seniors and stallholders in going digital?

---

[1:26 pm, 01/06/2020] ☸️  Danny ๅฟƒ:
(1) Many hawkers, retailers and supermarkets have not adopted PayNow SQ QR code mWallet.
So even customers with mWallet cannot used cashless mode of payment.

(2) I come across a mee stall that use QR code, but when scan on it - it say unrecognisable QR code --- seems like the QR code is not the universal SQ QR code - and got to pay in cash.

(3) So the 1st step is to get hawkers and retailers to adopt the mWallet Paynow SQ QR code first.
- Incentives to the hawkers and retailers to adopt the mWallet - like cash incentives offer in the Fortitude Budget will entice hawkers and retailer to adopt.
- Technical helps for the installation and teaching the retailers and hawkers how to use it is necessary to overcome the technology adoption.
- Employing the 1,000 mWallet ambassador to get hawkers and retailers to deploy the mWallet will help in deployment.
- Those hawkers and retailers who refused to deploy will feel left out and tell them the likely outcome --- the fear that customers will not patronise their stalls if they don't adopt --- as customers are getting used to use smartphone mWallet rather than use cash.

(4) Only upon mass adoption by majority of the hawkers and retailers --- can the mWallet ambassador start coaching session, incentives to get smartphone for elderly - on the use of smartphone to make payment, scan SafeEntry, do whatsapp, do video conferencing, surf internet etc.

---
[12:07 pm, 01/06/2020] : The lowly educated seniors will still have tremendous difficulties even with assistance as when there is a problem,  they will always fell feel frustrated and dependent on help.
 changed the group description. Click to view.
[12:30 pm, 01/06/2020] : I would rather view it from the perspective that can digital tech be made easy enough for everyone to understand and use?
[12:31 pm, 01/06/2020] : I have been on work trip before to China, a country with general literacy rate lower than ours. However, their elderly knows how to use bar codes and online shops to purchase needed products, or to setup their own small stalls
[12:32 pm, 01/06/2020] : Subsidize smart phone for the needy. To recognized it as a basic needs.
[12:32 pm, 01/06/2020] : When it is hard to buy anything with cash, you will be force to learn
[12:40 pm, 01/06/2020] : In China everything is just via WeChat so essentially they only need to adapt and learn on 1 platform. But in singapore it's not as straightforward, as different merchants are registered with different platforms.
[12:40 pm, 01/06/2020] : Even their beggers use QR codes. Somehow we always assume our elders are too stupid to learn anything new
[12:47 pm, 01/06/2020] : If customers encounter problem with technology hawkers usually don’t know how to help. Many find technology a hindrance or annoyance when it doesn’t work.
[12:48 pm, 01/06/2020] : I think our digital payment system is too fragmented - we got grabpay, razer pay, fave pay etc
[12:50 pm, 01/06/2020] : Some entry level smartphones aren't that expensive actually. There are some basic Xiaomi phones that are really not expensive. It's just that the advertising has always gone into the high end phones and that might give them the impression that all smartphones are expensive.
[12:50 pm, 01/06/2020] : Yes I agree!
[12:50 pm, 01/06/2020] : The banks have digital payment platforms. Why not leverage their vast resources to help with a seniors training programme. Open days at the branches etc. Most people are familiar with their banks and seniors prefer in person training.
[12:52 pm, 01/06/2020] : ya, I saw alot of elderly Q outside at the banks
[12:52 pm, 01/06/2020] : long Q
[12:52 pm, 01/06/2020] : Agree
[12:54 pm, 01/06/2020] : To ensure everyone has a place in Singapore's digital future, what do you think are the challenges faced by seniors and stallholders in going digital?

Other than Ambassadors, seniors and stallholders would need a smart phone first. Provide them with a low-cost one or voucher for them to redeem one.

Secondly, for cost wise, not many stallholders or seniors will be willing to pay an additional premium for usage of these payment platforms (some SMEs actually charge the cost of NETS payment back to customers ahem Sim Lim ahem) so it's counter-intuitive if this is going to be the case as customers will want to pay in cash instead to save up on the additional charges.

Lastly, if you can provide a device, little to no cost for using the platform, the next hurdle will be prevalence. This will ultimately take some time as society accepts the convenience and ease, of using the digital platform. Get pass the first two hurdles and this last one is easily tackled by offering discounts.

My 2.14 cents
[12:55 pm, 01/06/2020] : Yes- this needs to be at no cost for transactions. The banks save money but not processing cash so should be cost neutral to them.
[12:56 pm, 01/06/2020] : Heh... It's more than just Sim Lim... I think NETS does impose a charge for their terminal, and apparently it's not cheap. Some of the hawkers have said that it's not worth their sales margin to adopt cashless .
[1:00 pm, 01/06/2020] : Even China beggars use QR code for begging.
[1:03 pm, 01/06/2020] : Yes
[1:03 pm, 01/06/2020] : there's cost associated with the digital platform as someone needs to pay for the maintenance of the servers and application
[1:04 pm, 01/06/2020] : yes hence the resistance
[1:04 pm, 01/06/2020] : I was stun, when 1 shop say NETS got to pay extra charges but grabpay no need
[1:04 pm, 01/06/2020] : why do i want to pay more for something that's not necessary
[1:04 pm, 01/06/2020] : I wonder is it they mixed up between the 2
[1:06 pm, 01/06/2020] : These apps don't put up front all their conditions so have to read the fine line if it's there!
[1:07 pm, 01/06/2020] : Be it cheap, the cheapest might not served the purpose.

And to use cheap don’t meant it is affordable for the needy. Some can’t pay their rent of $30. A smart phone cheapest is about $100?
[1:08 pm, 01/06/2020] : Exactly! Can the government afford to give them basic 4g smartphone!?
[1:09 pm, 01/06/2020] : i still can't imagine you go wet market buy vege and pay using smartphone
[1:10 pm, 01/06/2020] : Could be. For Banks to determine I guess if benefits outweigh the costs.
[1:10 pm, 01/06/2020] : Only if the seller is in it
[1:10 pm, 01/06/2020] : hmmm, never paid when using nets....
[1:10 pm, 01/06/2020] : unless if ppl start using PayNow which is free
[1:11 pm, 01/06/2020] : if you use a solution that involves a service provider, it likely have some costs incurred
[1:11 pm, 01/06/2020] : Yes - there needs to be no charge to the seller (company accounts sometimes have a monthly charge to receive funds on PayNow)
[1:12 pm, 01/06/2020] : I read that China fast tracked digital platforms by reducing merchant fees to nigh negligible amount. Sg digital payments still have substantial merchant costs
[1:12 pm, 01/06/2020] : Can one app be used across all payment type and business!?
[1:12 pm, 01/06/2020] : While we are debating the cashless adoption ,

how about the Cruz of the resistance from Hawkers ?  Note that with epaulet moving forward , most of them were unable to manipulate their taxes anymore .
[1:14 pm, 01/06/2020] : https://images.app.goo.gl/W11QfzF95ovRKs827
[1:14 pm, 01/06/2020] : Agree
[1:18 pm, 01/06/2020] : so businesses will still be charged for it? i always had the impression that PayNow is free for all, including businesses
[1:18 pm, 01/06/2020] : yes, if we can unify all digital payments onto a single platform it'll be good
[1:19 pm, 01/06/2020] : That will be great ๐Ÿ‘
[1:19 pm, 01/06/2020] : Is a bit hard... too many stakeholders, unless government want to step in
[1:19 pm, 01/06/2020] : We are quite succcessful with the singpass app, why not work from there?
[1:19 pm, 01/06/2020]  Monopoly. Not good also
[1:21 pm, 01/06/2020] : I did e-mail reach on this some time ago
[1:22 pm, 01/06/2020] : Not possible now since there are different financial consortium involved .
[1:22 pm, 01/06/2020] : They should as going totally digital is the long term goal
[1:23 pm, 01/06/2020] : If no charges/no commission, ie free usage, then monopoly monitored under government agency's security should be OK.
[1:26 pm, 01/06/2020] : The e-payment charges plays very important part in this role. If our G wants all hawkers and food sellers to totally accept e-payment, either low charges or waive. Some hawkers actually earn very very little. And their costs are high as no economy of scale.
[1:26 pm, 01/06/2020] : People with credit cards may not like to use digital payments like PayLah! coz credit cards award points for spending.

[1:26 pm, 01/06/2020] ☸️  Danny ๅฟƒ:
(1) Many hawkers, retailers and supermarkets have not adopted PayNow SQ QR code mWallet.
So even customers with mWallet cannot used cashless mode of payment.

(2) I come across a mee stall that use QR code, but when scan on it - it say unrecognisable QR code --- seems like the QR code is not the universal SQ QR code - and got to pay in cash.

(3) So the 1st step is to get hawkers and retailers to adopt the mWallet Paynow SQ QR code first.
- Incentives to the hawkers and retailers to adopt the mWallet - like cash incentives offer in the Fortitude Budget will entice hawkers and retailer to adopt.
- Technical helps for the installation and teaching the retailers and hawkers how to use it is necessary to overcome the technology adoption.
- Employing the 1,000 mWallet ambassador to get hawkers and retailers to deploy the mWallet will help in deployment.
- Those hawkers and retailers who refused to deploy will feel left out and tell them the likely outcome --- the fear that customers will not patronise their stalls if they don't adopt --- as customers are getting used to use smartphone mWallet rather than use cash.

(4) Only upon mass adoption by majority of the hawkers and retailers --- can the mWallet ambassador start coaching session, incentives to get smartphone for elderly - on the use of smartphone to make payment, scan SafeEntry, do whatsapp, do video conferencing, surf internet etc.

[1:29 pm, 01/06/2020] : Businesses need to pay if they use paynow to make payments. Receiving not required to pay i believe.
[1:29 pm, 01/06/2020] : If based one app!?
[1:30 pm, 01/06/2020] : Nets is similar to credit card they charge a % of transaction but lesser.
[1:31 pm, 01/06/2020] : I thought that is the G model moving forward .. very Low charge after proliferation. The provider can’t reach scale now to offer cheaper service .
[1:32 pm, 01/06/2020] : If there is additional cost involved then many hawker i believe would not go digital coz their profit margin itself is not high.
[1:33 pm, 01/06/2020] : My idea is that gov will provide the platform
[1:33 pm, 01/06/2020] : But 3rd party providers can come in
[1:33 pm, 01/06/2020] : like how open electricity market is
[1:34 pm, 01/06/2020] : In Singapore everything is pay and pay
Send a study group to China to learn and to replicate the cashless society there and can kickstart cashless payment
[1:34 pm, 01/06/2020] : We need zero transaction fees
[1:34 pm, 01/06/2020] : Credit card is not a cash payment system. And payments via credit card usually reach merchants at a later period, depending on visa, master or diners etc, and some even longer to reach the merchants. Hawkers can't be waiting 2 weeks to a month for their money to come in
[1:34 pm, 01/06/2020] : Currently Most banks don't charge PayNow until 2021.
[1:34 pm, 01/06/2020]  Yes, agree on that.
[1:35 pm, 01/06/2020] : Dbs is charging $0.50 per transaction. I think the waiver was only for a 6 months period, not sure if they extended.
[1:36 pm, 01/06/2020] : The merchant and G must work out some arrangement. The merchant of course need to earn some fee and so really need to discuss with G how to go about.
[1:36 pm, 01/06/2020] : Remove it completely!
[1:37 pm, 01/06/2020] : That’s why provider is asking for G to subsidise operations ..  otherwise how to be cheap .
[1:38 pm, 01/06/2020] : Please take consideration that China achieve economy of scale and the epayment started because of too many counterfeits notes  in their system .
[1:39 pm, 01/06/2020] : Oh? That I didn’t know
[1:39 pm, 01/06/2020] : Agree
[1:39 pm, 01/06/2020] : Yes, I prefer use use one app that will link them all if it is by government (security that we can trust, and will not sell our data to anyone).  We can link it to our preferred banks (DBS/UOB/OCBC etc).
[1:40 pm, 01/06/2020] : It was mentioned in the media prior to launch.
[1:40 pm, 01/06/2020] : Agree
[1:41 pm, 01/06/2020] : yes that's my idea too
[1:41 pm, 01/06/2020] : one app unified payment platform but there can be different service providers inside it
[1:42 pm, 01/06/2020] : ๐Ÿ‘
[1:43 pm, 01/06/2020] : Is it like using paynow or paylah to link to our bank account or nric?
[1:44 pm, 01/06/2020] : anyone aware if car workshop will be open tomorrow onwards?
tq
[1:46 pm, 01/06/2020] : PayLah is for DBS, PayNow is interbank, so it's more like PayNow
[1:46 pm, 01/06/2020] : My car workshop is opended but must make appointment
[1:47 pm, 01/06/2020] : PayNow
[1:47 pm, 01/06/2020] : For now
[1:48 pm, 01/06/2020] : Free usage don’t help with improvement, no value to improve...
our dear Ez link and ENETS is a good example.
[1:48 pm, 01/06/2020] : Monopoly and just don’t care what people want you have to use it
[1:49 pm, 01/06/2020] : Can't really,  we have a free economy here. Up to vendors and customers to choose preferred platform.
[1:49 pm, 01/06/2020] : Similar but the app should unify the banks' platforms, protect the consumers, have strong government endorsement and security.  Absolutely no selling/sharing of our nation's data to commercial sectors.
[1:49 pm, 01/06/2020] : lol
[1:49 pm, 01/06/2020] : There will be resistance
[1:49 pm, 01/06/2020] : ppl use credit card because of points and it's postpaid
[1:49 pm, 01/06/2020] : Yes
[1:49 pm, 01/06/2020] : Yes
[1:50 pm, 01/06/2020] : App should allow the user to link to bank account or credit card
[1:52 pm, 01/06/2020] : And can scan SafeEntry too. ๐Ÿ™Š
[1:52 pm, 01/06/2020] : Vendor can block transactions link to credit cards or impose surcharge.
[1:52 pm, 01/06/2020] : Programmers can sort that out.
[1:56 pm, 01/06/2020] : I think government can step in by providing a time frame to determine who has the highest number of user (usually is benefit and usability)

Then cut down to two major platform then we work from there. So not monopoly, but push for change and the two that survive will keep each other in check.
[1:58 pm, 01/06/2020] : The transaction oversee by government, like what China is doing actually ๐Ÿคฃ

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[2:00 pm, 01/06/2020] ☸️  Danny ๅฟƒ:
(1) I think as long as the retailers or hawkers deploy SQ QR code - different bank mWallet like Paylah, UOB, OCBC or Paynow etc can still succeed in making the cashless mWallet payment --- as SQ QR code - is the universal QR code --- that are recognised by all Singapore banks mWallet.

----


Ben
[3:06 pm, 01/06/2020] : Yes exactly.  A single QR code can be read by all apps. So it doesnt matter which you have or prefer. They all work seamlessly.

Valli
[3:15 pm, 01/06/2020] : I agree Govt should come in and restrict the payment platform to 2  or 3 big reputable trustworthy local banks.
As technology becomes too advanced, too many apps becomes a headache.

---

[3:16 pm, 01/06/2020] : Singapore confirms 408 new COVID-19 cases, no new community infections

https://www.channelnewsasia.com/news/singapore/covid-19-jun-1-dormitory-worker-no-community-cases-citizen-pr-12790512
[3:33 pm, 01/06/2020] : https://goodyfeed.com/rental-default-dormitory/amp/?utm_source=telegram&utm_medium=push&utm_campaign=active
[3:35 pm, 01/06/2020] : Scientists hunt COVID-19 pandemic hotspots in race to test vaccines https://www.channelnewsasia.com/news/world/covid-19-vaccine-scientists-hunt-pandemic-hotspots-test-12791432#.XtSvy-xiIqo.whatsapp
[3:37 pm, 01/06/2020] : Russia, after approving Japanese Covid-19 drug, to roll out 'game changer' next week http://www.straitstimes.com/world/europe/russia-after-approving-japanese-covid-19-drug-to-roll-out-game-changer-next-week?&utm_source=whatsapp&utm_medium=social-media&utm_campaign=addtoany
[3:38 pm, 01/06/2020] : [Sent by Gov.sg – 1 Jun]

As of 12pm, MOH has preliminarily confirmed an additional 408 cases of COVID-19 infection in Singapore.

All 408 cases are Work Pass holders residing in foreign worker dormitories.

Based on investigations so far, there are no cases in the community.

MOH will share further updates in its press release that will be issued later tonight.

go.gov.sg/moh1junupdate
[4:02 pm, 01/06/2020] ☸️  Danny ๅฟƒ: Don't know.

Let Russia try and other countries try.

If successful, then it is a major breakthrough.

Surprise WHO did not endorse this drug but remdesvir which is less effective.
[4:03 pm, 01/06/2020] : Yes

[4:04 pm, 01/06/2020] ☸️  Danny ๅฟƒ:
https://www.straitstimes.com/asia/east-asia/chinese-vaccine-could-be-ready-by-year-end-government-body-says?cx_testId=20&cx_testVariant=cx_5&cx_artPos=2#cxrecs_s

[4:15 pm, 01/06/2020] : The news reports only covered e-payment as "going digital" and hence, raise the question what are the other "digital initiatives" or is e-payment it? From the news reports, it is also unclear what are the benefits that can motivate either the seniors or to the stallholders to adopt digital means; for example, how does using e-payment ensure that these groups are not "left behind" ? In fact, by focusing on e-payment which creates transparency, it can raise these groups' skeptism on the intentions and could raise barriers to adoption. Therefore, distrust from poorly explained initiatives can become a challenge faced by seniors and stallholders to going digital.

To mitigate this challenge, the "go digital" initiative needs to clearly answer the question "why s…
[4:15 pm, 01/06/2020] : 5 air conditioner hacks to save money while working from home:: https://www.asiaone.com/lifestyle/5-air-conditioner-hacks-save-money-while-working-home?utm_source=whatsapp&utm_medium=social-media&utm_campaign=addtoany
[4:16 pm, 01/06/2020] : contactless to prevent spread of virus like SARS-2
[4:17 pm, 01/06/2020] : Food for thought
[4:18 pm, 01/06/2020]  u cant be rob, because already cashless
[4:18 pm, 01/06/2020] : or less cash with u
[4:19 pm, 01/06/2020] : They can rob you of your phone and force your finger on the sensor........
[4:19 pm, 01/06/2020] : and no need keep going to ATM to withdraw cash
[4:19 pm, 01/06/2020] : but can trace where the money went
[4:19 pm, 01/06/2020] : Yes
[4:19 pm, 01/06/2020] : Yes
[4:19 pm, 01/06/2020] : Yes
[4:19 pm, 01/06/2020] : Agree
[4:19 pm, 01/06/2020] : As with all crook shows, there's always some offshore bank account somewhere... ๐Ÿ˜†
[4:19 pm, 01/06/2020] : True
[4:19 pm, 01/06/2020] : What if a senior or a retiree can use his (biometrics) fingerprint to activate a free meal?
[4:21 pm, 01/06/2020] : With all regards to personal pride, can a better or free meal be made accessible to seniors, especially those who are without regular income support, via their IC scan or biometrics? Can't this be also part of "going digital" that at the same time, promote community care?
[4:22 pm, 01/06/2020] : Should be
[4:22 pm, 01/06/2020] : Coronavirus: Trains and buses to run at pre-circuit breaker frequencies from June 2 amid safe distancing challenges

https://www.straitstimes.com/singapore/transport/coronavirus-trains-and-buses-to-run-at-pre-circuit-breaker-frequencies-from-june?xtor=CS3-18&utm_source=STiPhone&utm_medium=share&utm_term=2020-06-01%2016%3A06%3A32
[4:23 pm, 01/06/2020] : Thanks!๐Ÿ™  But we can observe too, preventing spread of virus may not be an immediate benefit to a number of individuals
[4:23 pm, 01/06/2020] : Digital ambassadors will earn between $1,800 to $2,100, role is a one-year temporary contract

https://www.straitstimes.com/singapore/digital-ambassadors-will-earn-between-1800-to-2100-role-is-a-one-year-temporary-contract?xtor=CS3-18&utm_source=STiPhone&utm_medium=share&utm_term=2020-06-01%2016%3A06%3A24
[4:23 pm, 01/06/2020] : Hence, "going digital" need to go beyond e-payments.
[4:24 pm, 01/06/2020] : Do not allow transactions whereby the account is not with an international bank whereby our government can trace, whereby the user has no protection from the beneficiary of fraud. For eg if we use credit card, we can dispute fraudulent charges
[4:24 pm, 01/06/2020] : guess if we reach Wuhan spread of virus. When we are desperate then all will go cashless
[4:24 pm, 01/06/2020] : like Wuhan itself is an example
[4:24 pm, 01/06/2020] : where they force all go cashless
[4:25 pm, 01/06/2020] : that's a pushing factor
[4:25 pm, 01/06/2020] : by then, guess stall owner do not wash cash too
[4:25 pm, 01/06/2020] : Another vaccine bites the dust (first one was Moderna vaccine)

https://www.newstatesman.com/2020/05/experts-raise-doubts-about-oxford-university-vaccine-after-it-fails-stop-covid-19-animal
[4:28 pm, 01/06/2020] : The govt's intention is noble and far sighted, to support employment while pushing the national agenda in digital ahead. From reading this, however, is this tax payer's $ paying for adoption of GrabPay and other fintech payment mechanisms? Assuming so, what are the expectations for these fintech payment firms - who would receive tax payers $ - in their services and fees charged to stallholders and seniors?
[4:29 pm, 01/06/2020] : ๐Ÿ˜‚ so true.
[4:33 pm, 01/06/2020] : if during CNY, all lock down. Ppl got to give e-red packet...\
[4:33 pm, 01/06/2020] : like for the Malays this time round
[4:33 pm, 01/06/2020] : https://www.channelnewsasia.com/news/commentary/coronavirus-covid-19-digital-payment-cash-infect-china-europe-us-12583302
[4:33 pm, 01/06/2020] : Some doctors found HCQ+AZ+zinc works.

HCQ is a generic drug, which means it’s dirt cheap compared to the very expensive remdisivir which has questionable success.

https://www.zerohedge.com/health/yale-epidemiologist-hydroxychloroquine-should-be-widely-available-and-promoted-immediately
[4:39 pm, 01/06/2020]  Pandemic is just an excuse for governments to exert more surveillance and control over their people. If really need to disinfect cash then we might as well need to disinfect our da bao packets, delivery parcels, shopping baskets, shopping carts, etc.
[4:50 pm, 01/06/2020] : Actually yes - I do wipe down all my groceries and deliveries when I get home with dettol wipes. Never know who was touching what in the supermarket!
[4:51 pm, 01/06/2020] : UK also opening up tomorrow
[4:51 pm, 01/06/2020] : seems like world leaders have consulted each other on when to reopen
[4:52 pm, 01/06/2020] : much against the wishes of medical experts.
[4:52 pm, 01/06/2020] : ๐Ÿ˜”๐Ÿ˜ž
[4:55 pm, 01/06/2020] : People are going hungry. Not every one dies of this disease. No choice.
[4:56 pm, 01/06/2020] : Yes it's a fine balance. It will be debated for years I'm sure if it was better to let it take its course or lockdown as we did. I'm with the latter since we didn't know what we were dealing with at the time!
[4:57 pm, 01/06/2020] : Pandemic Paranoid
[5:04 pm, 01/06/2020] : Told to return to office from June 2, some employees worry about safety and question need to go back https://www.todayonline.com/singapore/told-return-office-june-2-some-employees-worry-about-safety-and-question-need-go-back#.XtTEkk1aIe4.whatsapp
[5:12 pm, 01/06/2020] : Yes. And my friends don't dare to whistleblow, cos they're afraid that they will suffer another pay cut because they have to close offices.
[5:15 pm, 01/06/2020] : MOM enforcement and spot checks!?
[5:18 pm, 01/06/2020] : Hey Stanley, be nice. Not good to use those words on Ben or anyone else. I am sure your English can be better than that.
[5:18 pm, 01/06/2020] : It is always better to be safe than sorry.
[5:19 pm, 01/06/2020] : We all do what we have to do!
[5:19 pm, 01/06/2020] : Yes, Rama ๐Ÿ‘
[5:20 pm, 01/06/2020] : Overkill that’s for sure... but whatever makes the person feel safe as long as don’t bother anyone.
[5:20 pm, 01/06/2020] : One man's meat can be another man's poison!
[5:20 pm, 01/06/2020] : Yes
[5:22 pm, 01/06/2020] : Stella  call me Andrew
[5:23 pm, 01/06/2020] : Yes, Andrew.
[5:24 pm, 01/06/2020] : Thanks
[5:31 pm, 01/06/2020] : Really no one know how the bosses think, they will do whatever they think is best for the business.

When in doubt and feel unsafe, do highlight to management, if they unable to provide good solution to help the employee to be at peace. Yah you can try to escalate to MOM.

But we all know being whistleblow have its pros and cons. Might also affect the business. It takes time for business to full adopt the WFH attitude. Give employer and employee both a chance, we are all trying to survive here.
[5:32 pm, 01/06/2020] : Yes
[5:37 pm, 01/06/2020] : I agree that there has to be a balance, but the clear directive from MOM is that where staff can work from home, that's the default position. Throughout the CB period, the staff have been working effectively from home. There isn't really a need to return to office in contravention to the guidelines. So unless we're saying that those guidelines are just there and businesses make their own judgment calls, then the guidelines really don't have any effect.
[5:38 pm, 01/06/2020] : Time will tell!
[5:43 pm, 01/06/2020] : Even the law is on your side, have a touch of understanding. The law is dead but human isn’t. Have a bit of compassion. The law is there so that business will consider before making them come back for work if not required.

We work together to solve issue, and as much as possible resume full business. So employer won’t need to think of reduce headcount if the sales are no long as much.

Lots of business will no long exist we all know that. Having a job now makes more importance than a few months back where jobs are always available. Up for the choosing.

To be frank, we all know people do still visit their families, Bf and Gf. Do we always go report them? Begger on the street begging during CB, do we report them?

Business seems to given lesser compassion as they are stronger, richer can be on their own. But I know many employer even do grab just to earn enough for paying their employee. Not paid for months to pay the employee. I can’t say for many but there are people that really need help.
[5:45 pm, 01/06/2020] : Hard to please everyone
[5:47 pm, 01/06/2020] : Yes, totally agree
[5:52 pm, 01/06/2020] : It's quite different considerations between family and close interactions vs work. If work is fully functional remotely, why make the staff go back? I agree with you if the work relates to sales or personal interaction, but when it comes to paper-pushing, you can do this from anywhere as long as you have the technological capability. If the company is not up to speed with digitalisation, I can understand why they need to be back in the office. This is not the case in the instances I have heard.
[6:03 pm, 01/06/2020] : I think employers would be glad to continue WFH if efficiency and productivity is the same when you are working from office but I believe it's not the case for many. On the flip side there are also employees who would rather work from their offices than at home. Although some companies have asked their employees to return to office at split shifts there are also many companies who continue to ask their staff to WFH.

There's always 2 sides to everything, importantly is to have compassion for everyone.
[6:04 pm, 01/06/2020] : Yes agree...

[6:12 pm, 01/06/2020] ☸️  Danny ๅฟƒ:
Advantages of digital payment (mWallet) to retailers and hawker

1. There is no need to handle cash, count cash, queue up in banks or ATMs to withdraw cash or deposit cash - as mWallet allows deposit and payment to be done cashless.

2. Through mWallet cash transfer - can avoid loss of cash through robberies, theft, pilferages etc.

3. mWallet can be use as POS (point-of-sales) system to account for the daily intake and expenses.

4. Cash are dirty as it exchange from one hand to another hand --- that can spread virus, bacteria and other illness among shop owners and customers.

5. As there is no need to delegate a person to queue in banks or ATMs to deposit cash and coins ---- lower overhead and the person can be redeployed to handle more business.

6. Some banks provide periodic discounts or cash incentives to mWallet users - and retailers or hawkers can reap this cash incentives.

7. When adoption rate on mWallet is high among the public, those stall owners who refused to adopt mWallet may lose customers - as customers may not use cash or possess enough cash to buy in their stall - and may opt for other stallholders that use mWallet.


Advantages of digital payment (mWallet) to customers and public at large

1. There is no need to handle cash, count cash, queue up in banks or ATMs to withdraw cash or deposit cash - as mWallet allows deposit and payment to be done cashless.

2. Through mWallet cash transfer - can avoid loss of cash through robberies, theft, pilferages etc.

3. Cash are dirty as it exchange from one hand to another hand --- that can spread virus, bacteria and other illness among shop owners and customers.

4. Some banks provide periodic discounts or cash incentives to mWallet users - and customers or public can reap this cash incentives.

5. As smartphones is used in mWallet payment, it also can be used to scan SafeEntry, do whatsapp for communication, do video conferencing, surf internet, see video, news, etc.


Advantages of digital payment (mWallet) to banks

1. Less people will queue up in banks or ATMs to deposit and withdraw cash - hence can reduce the footprint in ATMs --- which will be translated into cost cutting to maintain cash in ATMs, transport cash and maintain ATMs.

2. Banks need to keep less physical cash and Board of currency need to print less cash --- result in more savings for banks and MAS --- overall our Economy will be more productive with more cost savings.

3. With more usage of digital payment and bank transfer - more eCommerce apps can be rolled out - to entice public to do more eCommerce transaction - this will help to boost the Economy via digital economy.

---

Rama
[6:37 pm, 01/06/2020] : How does the link to wallet is 8n play Store!?
[6:37 pm, 01/06/2020] : In*

[6:39 pm, 01/06/2020] ☸️  Danny ๅฟƒ:
Sorry I don't get your question.

[6:40 pm, 01/06/2020] : Looking for mwallet in play store but not sure which one?

[6:41 pm, 01/06/2020] ☸️  Danny ๅฟƒ:
Oh depending on which bank account you have.

[6:41 pm, 01/06/2020] : Okay so not uniform?

[6:42 pm, 01/06/2020] ☸️  Danny ๅฟƒ:
If you have DBS, you look for paylah.

[6:42 pm, 01/06/2020] : ๐Ÿ‘Œ
[6:42 pm, 01/06/2020] : Mwallet is a generic term?

[6:43 pm, 01/06/2020] ☸️  Danny ๅฟƒ:
Yes.
Uob, OCBC has their own name for mwallet.

[6:43 pm, 01/06/2020] +65 9661 0607: Noted

----

[6:35 pm, 01/06/2020] : Is just a general statement
You are just over sensitive

[6:37 pm, 01/06/2020] : Ob don't worry. I took it in jest! And actually its true, I don't mind admitting it, and would be happy if everyone else was too!

[6:40 pm, 01/06/2020] : It's all good, didn't take it badly at all. Made me laugh... Pandemic Paranoia, good title for a comic strip or cartoon!
[6:40 pm, 01/06/2020] : Looking for mwallet in play store but not sure which one?
[6:41 pm, 01/06/2020] : Self correction: *benefit from tax payers $, not “receive”.
[6:43 pm, 01/06/2020] : Anyone has update on cancellation of alternative seating on trains and lrt from tomorrow?
[6:44 pm, 01/06/2020] : https://www.facebook.com/ministerkhawboonwan/photos/a.3166415240084341/3166415436750988/?type=3&sfnsn=mo

[6:45 pm, 01/06/2020] : ๐Ÿค™✋๐Ÿค˜๐Ÿ™๐Ÿ‘✌️๐Ÿ‘Œ
[6:46 pm, 01/06/2020] : This is the one a I read from facebook I mean.
[6:49 pm, 01/06/2020] : ๐Ÿคจ๐Ÿคท‍♂️
[6:49 pm, 01/06/2020] : Gov fine when restaurant cannot handle large crowd.
[6:50 pm, 01/06/2020] : now clear cut public transport cannot handle large crowd
[6:51 pm, 01/06/2020] : Am more worried of MRT as is going to be peak and have taken out 1m apart seating. I thought it will be implace until phase 2 open too just like the rest.
[6:53 pm, 01/06/2020] : let's see 10 more days if more ppl caught the virus from the Bishan MRT staff
[6:53 pm, 01/06/2020] : so no need SDAs in public transport liao. lol

Blue and White Flag Guy
[7:02 pm, 01/06/2020] : Please do continue to discuss your concerns about PT, I'm always listening and I have being advocating for what you guys are saying now all along so like you, I'm pretty disappointed with the government in this aspect and will continue to observe the situation.

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