Babe Blog - Insights on News Events: January 2023

Monday, January 30, 2023

REACH 423 - What are your views on the anti-scam measures introduced by IMDA? How can we better safeguard ourselves against potential scams?

(SK)

30 Jan 2023 (10am - 7pm)

REACH

[9:45 am, 30/01/2023] +REACH: Dear contributors,

Welcome back! 😊

⏰ We will be opening the chat from 10am to 7pm today. ⏰

House Rules (short version of our Terms of Use) to keep in mind:

1. Be kind and respectful. We all want to be in a safe space to share our views.

2. Any and all threatening, abusive, vulgar or racially, religiously and ethnically objectionable content is prohibited.

3. Consider the quiet ones among us and give them a chance to comment.

4. No need to repeat your comment or in different forms (including caps) - we heard you loud and clear the first time.

5. Let’s protect each other’s privacy and keep contact details in this group what it should always be - confidential.

6. Refrain from posting non-English comments and content (e.g videos, articles)

Full set of Terms of Use: https://go.gov.sg/reach-whatsapp-terms

We will strive to uphold these rules to ensure this is a safe space for all.

Please be assured that the points made by participants during the chat are aggregated and shared with relevant agencies.

The topic will be posted shortly.

Thank you

Megan 😊

[10:00 am, 30/01/2023] +REACH: 📢 Topic 📢

As part of the ongoing measures to combat scams, the Infocomm Media Development Authority (IMDA) has announced that messages from organisations that have not registered with the Singapore SMS Sender ID Registry (SSIR) will be labelled “likely scam” from Jan 31.

Despite the new measures, IMDA reminded the public to remain vigilant as scammers will continue to change and adapt their tactics to lure potential victims.

💬 * What are your views on the anti-scam measures introduced by IMDA? How can we better safeguard ourselves against potential scams? *

Organisations that wish to send SMS messages with alphanumeric Sender IDs must register their sender IDs with the SSIR. Recipients of SMS messages from organisations that have not signed up with a registry by IMDA will see the text messages labelled as “likely scam” from Jan 31. “This registration is to better protect consumers against non-registered SMSes that may be scams,” said IMDA. As of January, more than 1200 organisations – including financial institutions, e-commerce operators, logistics providers, and small and medium-sized enterprises – have registered.

These new measures form a part of an ongoing multi-layered approach to combat scams. IMDA added that local telecom operators such as Singtel, Starhub and M1 have already implemented SMS anti-scam filtering solutions within their mobile networks.

👉 [ST]SMSes from organisations not registered with IMDA to be labelled ‘likely scam’ from Jan 31 : https://bit.ly/3jl3rE2

👉 [CNA]SMSes from organisations not in central registry to be labelled as ‘likely scam’ from Jan 31: https://bit.ly/3Y5rN3z

👉 [IMDA] Full SMS Sender ID Registration to be required by January 2023: https://bit.ly/40oD3Kv

👉 [ST]Retirement plans for cleaner who fell for impersonation scam put on hold: https://bit.ly/3wBCm2q

👉 [ST]When accessing free Wi-Fi could lead you to lose life savings to scammers: https://bit.ly/3He3PMJ

----

[10:17 am, 30/01/2023] +Kenneth Lee WM: I think IMDA should set up a team to actually follow up reported scams, pretend to become scam victim, find out who the perpetrator is and bring the person to face the law. Right now it seems that majority of reported scams are just filed up to produce statistics.

Couple of years ago, my company was sent scam email msgs to the accounts dept pretending to be the CFO asking for money to be transferred to a bank account. I made a police report and even provided the bank account. I was told that most likely it was outside Singapore's jurisdiction and they cannot enlist interpol to assist as "no one died" and "no money has been exchanged". The report was then filed away. Wasted my time and effort.

Now, I just delete and dont bother reporting because I'm not confident that anything is going to be done or can be done.

[10:23 am, 30/01/2023] +Grace: I think this is an overkill

[10:23 am, 30/01/2023] +Grace: Scammers will just find another way

[10:23 am, 30/01/2023] +Grace: We will just need to be more alert and mindful

[10:24 am, 30/01/2023] +Uncle Law: Biz whether big or small should comply with IMDA in registering their biz ID so that consumers will know if it is a scam.

Biz should also ensure good practice on pdpa, so as to prevent our data from being leaked out.

[10:24 am, 30/01/2023] +L: Good - every step helps and makes it more difficult for scammers. Good to see this measure.

[10:37 am, 30/01/2023] +Rama: The issue of outside our jurisdiction is a major headache!

[10:43 am, 30/01/2023] +Singapore Maid Agency: Agreed, me too, it was like a love scam and I reported to police and had a callback within the day.

However, was told we are not being scam and no loss hence no action will be taken. The “Law” have to be upgraded that even such message will be an infringement of “LAW” and not till “someone got scam or till incident happens” then take action. This will cut/reduce more people from being scam🙏

Even PHD can get scam so surprisingly!!! PREVENTION IS BETTER THAN CURE 🙏

[10:45 am, 30/01/2023] +Rama: A retired female Chinese journalist got scammed of sgd3M and end up selling two properties to pay off loan shark debt!

[10:45 am, 30/01/2023] +Rama: Not to mention lawyer and financial consultant!

[11:08 am, 30/01/2023] +Kenneth Lee WM: >However, was told we are not being scam and no loss hence no action will be taken.

This is the crux of the problem and why scammers are having a free reign here.

Couple of years ago, living on the ground floor condo, killer litter has been a common problem. When someone threw a vacuum cleaner head down into my garden I made a police report. They mentioned that because no one was hurt, they couldn't do anything and proceeded to just file the report. I asked them can't they use the evidence in hand and start the investigation of who threw the vacuum cleaner head? They repeated no one was hurt. I said, so I have to wait until I get injured before they will take action? What about being pro-active and doing something like educating the neighbours upstair…

[11:11 am, 30/01/2023] +Kenneth Lee WM: Follow the money ....

[11:14 am, 30/01/2023] +Kenneth Lee WM: I'd be happy to volunteer my time to be in that team.

[11:15 am, 30/01/2023] +Rama: Great

[11:16 am, 30/01/2023] +Rama: That's the trouble with our laws!

[11:20 am, 30/01/2023] +AdMinister: There are numeorus way professional hacker who basically expert about law, that able to hack us in any method. (in my case a lawyer hacked mine to lead offence and to win his case, intrusion by using open wifi and eSims. I am glad my voice was heard at police and court that favour is on me. Just imagine those who are not aware or not IT savvy. Please beware. I have no trust on IT anymore.

[0:25 pm, 30/01/2023] +Shobith: All steps taken by IMDA to tackle current and developing scams are welcome.. it would certainly help..

[1:50 pm, 30/01/2023] ☸️ Danny 心:

I will liken the current Government strategies of engaging public to fight scam as "BAR".

B = Block (or Filter)

A = Avoid Bait

R = Report Scam

And I will rate these anti-scam strategies as relatively effective and efficient exploiting communication tools to achieve the anti-scam objectives.

1. (B)lock

a. By inducing organisations to register with SSIR, only legitimate organisations can send official or commercial SMS to the public - and this will effectively block or filter illegitimate people or organisations or hackers from sending SMS to the public --- effectively blocking and filtering likely phishing links, scam messages or scam contact to the public.

b. Public who have downloaded ScamShield (Android or ioS) - will be another very effective tools to filter out likely scam calls and scam SMS - as it is a central national database that sieve out such calls and messages.

To make the ScamShield watertight, public who still received scam calls and scam SMS should report them to the ScamShield - so that the database will be keep up to date to keep out new scam calls or messages ---- so that other public members will be protected.

I guess ScamShield are aided by AI machine learning to be able to intelligently identify likely scam calls and messages to block, filter and provide intelligent information to the anti-Scam units to conduct investigation and take actions when concrete leads are established.

c. Both of this "Block" strategies have greatly reduced the scam calls and messages - that have landed on the public smartphones especially those who have installed "ScamShield".

2. (A)void Bait

a. Education will be the best way for public to avoid bait - by not clicking on investment sites that look incredulously lucrative, jobs that look suspicious, online betting, casino, suspicious friends messages or calls, scan suspicious QR codes etc.

b. By avoiding Bait, public won't be scam as long as public don't bite the bait.

c. Always double, triple confirm from official sources - to ascertain any calls or messages received are legitimate.

d. Anything that do with surrendering bank credentials, money, offering personal information etc --- should send an alarm bell ---- and we should cut off contacts immediately.

3. (R)eport

a. Report all scam calls or messages - through the ScamShield - so that an updated ScamShield database will help the Authority to filter out latest scam sources, provide leads to help Authority to investigate and establish identlity and sources of scammers - so that appropriate actions can be taken; train the AI model to be more and more intelligent - so that scammers will not be given any chances to reach the public.

So far, I think the Government has done relatively well in these 3 areas.

But our public also need to wise up - as only joint effort can be effective - if public does not fall into the bait.

[2:04 pm, 30/01/2023] +REACH: 📢 Topic 📢

Despite the new measures, IMDA reminded the public to remain vigilant as scammers will continue to change and adapt their tactics to lure potential victims.

💬 * What are your views on the anti-scam measures introduced by IMDA? How can we better safeguard ourselves against potential scams? *

Organisations that wish to send SMS messages with alphanumeric Sender IDs must register their sender IDs with the SSIR. Recipients of SMS messages from organisations that have not signed …

[2:09 pm, 30/01/2023] ☸️ Danny 心:

1. However, I noticed that are still some loopholes that the current SSIR and ScamShield have not addressed :-

a. WhatsApp, Telegram messages

b. Email

c. QR codes

2. I understand the above come from the "data" network and not from the "voice" network - in which both SSIR and ScamShield - can engage our Telcos to filter out the scam calls and scam messages.

3. The above scam messages source come in through the internet which are IP-based - in which a totally different set of anti-scam tools will be needed.

4. What are needed will be IP tools such as :-

a. Firewall

b. IDS or IPS (Intrusion Detection or Prevention System)

c. Content Filtering

d. Proxy

e. assisted by AI based tools

5. However, the above communication tools used by scammers provide a big hurdle :-

eg. WhatsApp have end-to-end encryption using signal protocol encryption with strong keys.

Telegrams also have end-to-end encryption.

Unless the above IP tools are able to decrypt, filter out the scam messages before reaching the public, blocking and filtering scam messages from WhatsApp and Telegrams will be an extremely difficult task - without the help from WhatsApp and Telegram administrator.

6. Most open public emails such as Yahoo, Gmail, etc are unsecured.

It is possible for the above tools to do deep packet inspection or content inspection, filter it, block it before it landed on the public devices.

But secured emails with encryption will not be possible.

[2:19 pm, 30/01/2023] ☸️ Danny 心:

For public, anything coming from WhatsApp, telegram or email - especially from strangers - don't trust.

Ignore.

Then public won't be bait.

[2:27 pm, 30/01/2023] ☸️ Danny 心:

Of course, there is also another way.

[2:34 pm, 30/01/2023] ☸️ Danny 心:

Eg. Of WhatsApp job scam.

Protected by end to end encryption.

[2:42 pm, 30/01/2023] ☸️ Danny 心:

Need to "P" out such scam messages from WhatsApp, telegram or email.

[3:17 pm, 30/01/2023] +Jimmy Chew: I love government tag lines and acronyms, like BLOCK, BAR, got your shots, etc. show their ingenuity in the civil service.

[3:20 pm, 30/01/2023] ☸️ Danny 心:

Er...

That's not the government tagline.

I use my taglines to describe government anti-scam strategy.

[3:21 pm, 30/01/2023] +Jimmy Chew: oh, haha

[3:23 pm, 30/01/2023] +Smiley face: "One final word, do we need to collaborate with the TRUSTED BEST to learn, to exchange " intell and to proactively update our security dynamic data systems?"

- - anonymity

[3:24 pm, 30/01/2023] ☸️ Danny 心:

Data network is currently the missing piece.

[3:24 pm, 30/01/2023] +Smiley face: Additional readings:

"Machine Platform Crowd"

- - Andrew McAfee / Erik Brynjolfsson

Code Breakers

- - Walter Isaacson

The code Breakers

- - David Kahn

Human + Machine

- - Daugherty / Wilson

The Bitcoin Standard

- - Saiffdean Ammous

The Digital Matrix

- - Venkatraman

The Q-Loop

- - Brian Klapper

Bank 4.0

- - Brett King

The Pentagon's Brain

- - Annie Jacobsen

Fortress Israel

- - Patrick Tyler

Decoding Boys

- - Dr Cara Natterson

[3:32 pm, 30/01/2023] ☸️ Danny 心:

Oh forgot to mention another thing.

Scammers also used video conferencing to communicate with scam victims.

Must also able to do deep inspection into video conferencing content which is also encrypted end to end.

Notably, video conferencing system use SIP protocol or H.232 protocols.

[3:33 pm, 30/01/2023] +Smiley face: "An aspiring young Olympian training hard in hopes to stand sooner on the world podium, that's an inspiration! However in the 'dog eat dogs' world, you must be up to speed (skills & structures) to enable the punches and surprises of all competitions! Any forms of 'masak-campur' will yield no way and worse get decimated?"

- - anonymity

[3:39 pm, 30/01/2023] +Rama: Yup

[3:45 pm, 30/01/2023] +Smiley face: Hi Andrew!

[3:45 pm, 30/01/2023] +Rama: Good wet afternoon

[4:03 pm, 30/01/2023] +REACH: 📢 Topic 📢

Despite the new measures, IMDA reminded the public to remain vigilant as scammers will continue to change and adapt their tactics to lure potential victims.

💬 What are your views on the anti-scam measures introduced by IMDA? How can we better safeguard ourselves against potential scams?

[4:32 pm, 30/01/2023] +RH: 😖 Sadly, we humans r 'predictable' creatures ... Be it curiosity, over confidence or pure ignorance ... there wud always be some victim

[4:33 pm, 30/01/2023] +Rama: True

[4:35 pm, 30/01/2023] +RH: 1. 'common sense' not so common ... Lol ... Alarm bells dun ring ... 😅 2. Not everyone is tech savvy. Not everyone can be bothered to report, for diff reasons...

[4:37 pm, 30/01/2023] +RH: Education is the key. However, not everyone is interested nor wants to learn , again for various reasons ...

[4:45 pm, 30/01/2023] +Rama: True

[4:47 pm, 30/01/2023] +Smiley face: 30 January, 2023

"Years (months) ago, when you build your home from scratch, your architect, your suppliers, your contractors, the workers, the passersby and the nosy neighbors all know the layout... trespassed - is an open secret?"

- - anonymity

Just In Case & Self Vigilant?

To our Seniors, don't answer phone call from numbers you don't know? Is it a life and death call?

To all Internet banking customers, make a printed copy from the monthly e-statement sent by your bank, especially people with more than 2 accounts. Just in case comes one day the digital banking systems crack?

- - in progress - -

[5:19 pm, 30/01/2023] ☸️ Danny 心: https://www.straitstimes.com/singapore/when-accessing-free-wi-fi-could-lead-you-to-lose-life-savings-to-scammers When accessing free Wi-Fi could lead you to lose life savings to scammers.

[5:24 pm, 30/01/2023] ☸️ Danny 心:

"Cybercriminals are altering QR codes — How to avoid getting scammed"

https://sg.yahoo.com/finance/news/how-to-stay-safe-while-using-qr-codes-200405170.html#:~:text=Cybercriminals%20are%20altering%20QR%20codes%20%E2%80%94%20How%20to%20avoid%20getting%20scammed

[5:24 pm, 30/01/2023] ☸️ Danny 心: https://www.straitstimes.com/opinion/forum/forum-ordering-with-qr-codes-at-eateries-can-be-exploited

Ordering with QR codes at eateries can be exploited and scam.

[5:25 pm, 30/01/2023] ☸️ Danny 心:

Experts: Never scan a QR code sent to you.

Beware of scam.

https://www.asiaone.com/digital/experts-never-scan-qr-code-sent-you

[5:25 pm, 30/01/2023] ☸️ Danny 心:

Police warn against scanning of Singpass QR codes sent via SMS, WhatsApp.

https://www.tnp.sg/news/singapore/police-warn-against-scanning-qr-codes-sent-sms-whatsapp

[5:45 pm, 30/01/2023] ☸️ Danny 心:

My close friend comments:

Qr code is equivalent of internet link.

My comments:

Yes.

Currently ScamShield don't block.

That's why I bring up to REACH that the data network piece is missing.

[6:02 pm, 30/01/2023] +REACH: 📢 Topic 📢

Despite the new measures, IMDA reminded the public to remain vigilant as scammers will continue to change and adapt their tactics to lure potential victims.

💬 * What are your views on the anti-scam measures introduced by IMDA? How can we better safeguard ourselves against potential scams? *

Organisations that wish to send SMS messages with alphanumeric Sender IDs must register their sender IDs with the SSIR. Recipients of SMS messages from organisations that have not signed up with…

[6:46 pm, 30/01/2023] +REACH: Dear Contributors,

⏰ We will be closing the chat in 15 minutes ⏰

Thank you very much for being part of our WhatsApp chat and participating actively.

Goodnight!

Megan 😊

[6:55 pm, 30/01/2023] ☸️ Danny 心:

All reported cases, including police reported cases are feedback to the anti-scam unit.

1. Information gather such as scammers phone number, URL phishing link, date and time stamp, scam messages etc - are feed into the anti-scam database so that:-

1. AI model can be trained.

2. Data analytics can be done.

3. Network route can be trace and track.

4. Data forensics and fingerprinting can be done.

I believe it is not nothing is done upon report.

The backend work to be done are humongous - to catch the big whale and sharks.

Not to catch the small fry and shrimp.

Recent many scam crack down locally and overseas are a result of such efforts.

[6:57 pm, 30/01/2023] ☸️ Danny 心:

Because the number of devices, software, logs etc to be correlated and compiled to establish a big scam picture is humongous.

[6:59 pm, 30/01/2023] +Smiley face: 30 January, 2023

To: Our Distinguished Leaders, Cyber Experts and All Honorable Members

Modus Operandi (MO)?

Before we start our ambitions of digitising the entire nation or the whole organisation, there are important milestones to achieve that's called the "modus operandi"!

"Digits can be conquered than human to human, the entry only needs one key...?"

- - anonymity

[6:59 pm, 30/01/2023] +Smiley face: What is this MO about?

Welcome to the world of spies and intelligence services, they trade horses in exchange for other "favors". That's how complex this cyber world was, now and the future will be even more efficient too! It is not simple!

Internally, do we fully understand these hackers organized, their means and tools in obtaining vital personal data and the multiple gateways of entering (traces) into the clouds and /or simply starts hacking?

How about black mailing or "co-opting" staff from strategic entities within key organisations (private) to key public offices?

What are the past experiences from millions of dollars scam out of individual bank accounts and how about our CPF accounts (hope not)? What's the common path of break-ins for these highly smart hackers? We are not referring to those "love" crimes nor "shopping" scams, these are small timers. More sophisticated hackers will go for bigger and valuable tangibles in exchange for other interests. It is a global horse tradings of data for money or for access to other domains that are economically accountable and of national strategic interests. An example of a defence domain is a submarine unit or a drone unit. The future wars will be fought via the Space, Cyber and integrated with the Air, Sea and Land forces, that's dimensional!

Where are the cyber loopholes aka "lobangs"?

From your WhatsApp chats, your internet banking accounts, your previous vacations, your emails, your utilities payments, your engagements with the public office and more, all of these are gateways for hackers to reach out and swam to bookmark in digital form and can be resold to other groups for their intended uses! Simply to say, the entire cyber and cloud is the BIG hole, unless otherwise, our digital protocols may include facial and/or thumb recognitions. Perhaps, these hackers are unstoppable because there will always be one loophole to enter and transact!

So how to begin the beguine?

Key areas are banking, shopping and public services. These three big providers of services and goods must DESIGN a common layered security platform so much so to the extend of STANDARDIZING critical information policing through AI without third party especially not to "outsource" in parts or "friend source" in small portions these highly strategic data assets! All these security measures are temporary fencing because it will be hacked in just a matter of time and/or the ripe timing (embedded)! High flow of data and low volume both have vulnerable spots in the information highways.

One exception to prevent hacking is a super computer using the thinnest micro processors coupled with a highly sophiscated and unique machine "language" which the Chinese, the Russians, the Israelis and the Americans are currently driving their national securities from tradings to sensitive documents all secured in these deep "freezers" not in the clouds! Cloud computing can be simulated as well as easily compromised with breachable key attributes aka codes!

"It all started with a person or a group of people, no magic wane...!"

- - anonymity

How the hack did the codebreakers broke the Nazi codes? That's a good learning point to begin understanding how to BREAK before you start to SECURE your strategic cyber spaces from the private enterprises to the highly sensitive national information?

One final word, do we need to collaborate with the BEST (Denmark) to learn, to exchange infor and to proactively updating our dynamic data systems?

- - in progress - -

[7:00 pm, 30/01/2023] +REACH: Dear Contributors,

We will be closing the chat for today.

Thank you very much for being part of our WhatsApp chat and participating actively.

Goodnight!

Megan 😊

=====

Wednesday, January 25, 2023

REACH 422 - What are your views on Singapore’s digital inclusion efforts? What are some skills needed to navigate the online space, and how can individuals be more digitally savvy?

(SK)

25 Jan 2023 (10am - 7pm)

REACH

[9:46 am, 25/01/2023] +REACH: Dear Contributors,

Welcome back! ��

⏰ We will be opening the chat from 10am to 7pm today. ⏰

House Rules (short version of our Terms of Use) to keep in mind:

1. Be kind and respectful. We all want to be in a safe space to share our views.

2. Any and all threatening, abusive, vulgar or racially, religiously and ethnically objectionable content is prohibited.

3. Consider the quiet ones among us and give them a chance to comment.

4. No need to repeat your comment or in different forms (including caps) - we heard you loud and clear the first time.

5. Let’s protect each other’s privacy and keep contact details in this group what it should always be - confidential.

Full set of Terms of Use: https://go.gov.sg/reach-whatsapp-terms

We will strive to uphold these rules to ensure this is a safe space for all.

Please be assured that the points made by participants during the chat are aggregated and shared with relevant agencies.

The topic will be posted shortly.

Thank you

Megan ��

[10:00 am, 25/01/2023] +REACH: �� Topic ��

In an interview at the World Economic Forum (WEF), Minister for Communications and Information Josephine Teo said Singapore pledged to strengthen digital inclusion – where people have access to digital technologies and also the skills to use and benefit from them in their daily lives.

Specifically, Singapore committed to improving digital capabilities and making digital services more usable for one million people as part of the WEF’s Edison Alliance which aims to speed up global efforts to strengthen digital inclusion. The Government will consult various groups that work with communities on what enhancements are required to ensure that “digital Singapore is for everyone”.

�� What are your views on Singapore’s digital inclusion efforts? What are some skills needed to navigate the online space, and how can individuals be more digitally savvy?

Asked what skills are needed, Mrs Teo gave the example of how people need to be able to discern fact from falsehoods online.

Singapore has rolled out various initiatives to equip Singaporeans with digital skills and help bridge the digital divide over the years, including the Digital for Life movement which was launched in February 2021.

The strong consensus among WEF participants on the need to strengthen digital inclusion was one of three main takeaways for Mrs Teo. She said there was also a strong appetite for cooperation with international partners, as well as considerable interest in Singapore’s approach to promoting trust and improving safety “as the overall foundation for technology governance”.

For instance, there was interest in Singapore’s Cybersecurity Act as well as new laws to tackle online harms which will take effect in 2023, added Mrs Teo, who is also Minister-in-charge of Smart Nation and Cybersecurity.

�� [ST] https://www.straitstimes.com/singapore/singapore-to-roll-out-measures-to-help-its-people-better-navigate-digital-services-josephine-teo

�� [CNA] https://www.channelnewsasia.com/watch/singapore-prioritise-strengthening-digital-inclusion-josephine-teo-video-3221201

-----

[10:02 am, 25/01/2023] +Rama: Computer literacy at the bottom level of society must be strongly emphasis to educate the masses.

[10:19 am, 25/01/2023] +Grace: Digital tools are like knives. They can help or harm. The question is... who is holding all the data?

Should tech companies be given such power over governments?

[10:24 am, 25/01/2023] +Rama: Government has to be the regulatory authority.

[10:26 am, 25/01/2023] +AdMinister: Wishing you all Peace, Prosperous and Happy Chinese New Year.

[10:29 am, 25/01/2023] +Smiley face: https://youtu.be/JLtsOO9vLQY

[10:29 am, 25/01/2023] +Smiley face: https://youtu.be/ZbCB-hNpv9o

[10:34 am, 25/01/2023] +AdMinister: Digital risk, especially Hackers and Spammers should be monitored by Govt and enforced them seriously.

[10:35 am, 25/01/2023] +Rama: Agree

[10:36 am, 25/01/2023] +Smiley face: "People to People Trust and the Transformation of The Digitized World of Trusting?"

- - anonymity

[10:46 am, 25/01/2023] +Rama: Anonymity is back��

[10:47 am, 25/01/2023] +YT: A little knowledge is a dangerous thing. I wonder whether the high incidence of scams is related to people knowing little but thinking they know a lot and thus, letting their guards down and falling prey to digital and online scams.

[10:48 am, 25/01/2023] +Rama: Same goes for too much knowledge in certain hands!

[10:59 am, 25/01/2023] +Smiley face: Good morning, Andrew!

[11:00 am, 25/01/2023] +Smiley face: 25 January, 2023

Good morning everyone!

"People to People Trust and the Transformation of The Digitized World of Trusting?"

- - anonymity

What will be the profound Citizens' Experience (learning curve) as our nation journey in full speed to digitize as many as possible to full digitisation of services and goods in the micro sense as well as outwardly that's a macro perspective?

Salutations to the new economics order!

Perhaps, in this transforming course, half of the citizens (including all others) that will face disruptions and find it harder to adapt to these new digital initiatives? It takes time to adapt, adopt, and confidently transform into a fully digitized ecosystem. No easy task to achieve!

Now and onwards, all businesses from small to the…

[11:01 am, 25/01/2023] +Uncle Law: Despite notices, advisory warning at lift lobbies, flyers to letterbox and etc, people are still falling to scams. Likely these people could have been ignoring all these msg

[11:01 am, 25/01/2023] +Rama: ☕��️��

[11:08 am, 25/01/2023] +Rama: Whether illiterate or educated!

[11:11 am, 25/01/2023] +Smiley face: Good morning Uncle Law, Happy CNY! Good observations! Thanks.

Many people ignore these real threats of scams. Are they ignorant or are they simply thinking that it will not happen to them or are many people just too busy working and trying to make a living!

[11:33 am, 25/01/2023] +Smiley face: 25 January, 2023

"Capitalism include Competitions!"

- - anonymity

Changes in Demographics and Consumer Behaviors?

From Gen Z to the Millennials (1981 to 2012 birth years), they tried, they embraced, or they enabled in one way or the other, one example is Internet shopping, browsing and buying behaviors that gave birth to many e-commerce giants from Amazon, to Alibaba and to Grab? These corporations are way ahead of time, this 'digitized' game of selling!

"Efficiency can mean less human at the work place?"

- - anonymity

How can we transform our public services into a powerful and efficient digital ecosystem? Envision this, a few clicks in your mobile device will conclude your interactions with any of the agencies?

- - in progress - -

[11:49 am, 25/01/2023] +Frankie Wee: The future is changed become ultra technology and small things.

The old is no longer and disposal

(Example Nokia 3310 and MP3)

[11:56 am, 25/01/2023] +Frankie Wee: Many thing happened in the world turn into crime of scam and anti corruption. Technology will alway protect and keep away when new crime will work out. However it may be too late (did someone transfer money millions dollars) treat it a lesson what is do not deserved trusted.

[0:11 pm, 25/01/2023] +Guillermo Cabeza: More and more online services require a smartphone (harder to hack) and even with banks websites are becoming less useful. This isn’t great for the elderly as it is harder to navigate a phone (harder to read; not everyone has a smartphone). Even for those of us not yet in our golden years who have become used to digitisation, it will be harder as we get older if the world is entirely digitised. So my view is it is good to encourage efficiency but there must still be a way to access services in person or by phone call.

[0:12 pm, 25/01/2023] +Guillermo Cabeza: And to add - the proliferation of bots is not helpful at all. How many of us end up giving up and trying to figure out how to call customer service?

[1:22 pm, 25/01/2023] +REACH: Dear Contributors

We want to HEAR MORE from you!

What are your views on Singapore’s digital inclusion efforts? What are some skills needed to navigate the online space, and how can individuals be more digitally savvy?

We have had good feedback and hope that we can keep the discussion robust and active!

Megan ��

[1:24 pm, 25/01/2023] +Ken: To provide a need to use it…

Example… discount given on mobile app when purchasing.

Need to be integrated into daily needs in order to be adapted.

[1:25 pm, 25/01/2023] +Rama: This is the way forward. Education, skills training and awareness are basic needs to move forward.

[1:25 pm, 25/01/2023] +Ken: Training don’t provide usage solution that is better no one will adopt

[1:25 pm, 25/01/2023] +Ken: Like my mum know how to use WhatsApp as it is a need to communicate.

Use iPhone cause only smart phone has WhatsApp.

[1:26 pm, 25/01/2023] +Ken: You have to provide a need in order for the person to have a need to learn.

[1:26 pm, 25/01/2023] +Rama: Great

[1:26 pm, 25/01/2023] +Ken: Training does no help… give money also no use cause it is not part of the lifestyle..

[1:27 pm, 25/01/2023] +Rama: When physical store start to dissappear, online appears so have to accept

[1:27 pm, 25/01/2023] +Ken: If becomes part of the lifestyle it becomes a want…

[1:27 pm, 25/01/2023] +Ken: There will be still demand for physical store… cause something you need urgent.. like toilet paper? ��

[1:28 pm, 25/01/2023] +Ken: You cannot wait…

[1:28 pm, 25/01/2023] +Ken: Or medicine..

[1:28 pm, 25/01/2023] +Ken: Baby milk, not everyone have the spare income to stockpile always

[1:29 pm, 25/01/2023] +Ken: But due to the lower volume store might have to charge more to hold stock ��

[1:29 pm, 25/01/2023] +Rama: Order in bulk online for cost savings

[1:29 pm, 25/01/2023] +Rama: Agree

[1:29 pm, 25/01/2023] +Rama: True

[1:31 pm, 25/01/2023] +Ken: Cyber security awareness… a bit tough… just like love scam.. no matter how much we send out the message people still got scam…

Sad to say, till you got affected or someone dear to you affected then you will be more aware.

[1:31 pm, 25/01/2023] +Rama: Can be arranged

[1:32 pm, 25/01/2023] +Ken: Social engineering are there for a reason… always new ways to scam using old trick, just how you apply it.

It is a constant battle..

[1:33 pm, 25/01/2023] +Ken: The more protected we are the less likely we are aware sad to say.. ��

You cannot teach everything..

[1:35 pm, 25/01/2023] +Ken: Government why never do this never do that… lol

Only blame… but don’t find out online or read from proper source.

[1:35 pm, 25/01/2023] +Rama: Agree

[1:36 pm, 25/01/2023] +Rama: Awareness critical!

[1:36 pm, 25/01/2023] +Rama: Yup

[1:38 pm, 25/01/2023] +Ken: Learn from every experience, example Hyflux ��

I learn something about investment don’t blindly follow

[1:39 pm, 25/01/2023] +Ken: �� when too good to be true it is..

[1:39 pm, 25/01/2023] +Ken: Even if government backed ��

[1:39 pm, 25/01/2023] +Ken: Learn from mistakes.. only way..

[1:41 pm, 25/01/2023] +Rama: The burn was way too much for investors!

[1:41 pm, 25/01/2023] +Rama: Yes

[1:41 pm, 25/01/2023] +Ken: I am lucky.. I didn’t dump everything in.. 6% just way too good…

[1:42 pm, 25/01/2023] +Terrie Wong: It's good but how do we get the uneducated seniors, unable to use smartphone to come on board?

- During COVID period, I remember a stooped old lady lining up to see HDB counter staff. She was told she needed to have an appt. 'How to get an appt?' she asked. She was told she should go onto the Internet, by the young usher. She asked in Hokkien: Simi si Net? (What is Net?) There were other elderly in the queue.

- In our haste to digitise, we must help those with traditional ways of face-to -face service for the many who have no way to keep up.

- I must mention there are also those well-educated elderly, set in their ways who insist on writing cheques & reject digital banking (like my boss, aged 80+) due to tech-phobia.

- I myself have found e-services on most govt websites hard to navigate. UX is so unintuitive, I sometimes wonder are the agencies trying to avoid customer contact?

- Tel calls? Oh forget it!

[1:42 pm, 25/01/2023] +Rama: Happy for you

[1:43 pm, 25/01/2023] +Rama: This needs detailed assistance

[1:43 pm, 25/01/2023] +Ken: Yup… that’s a thing… we don’t have proper setup for Centers to provide on-site support.

Giving strangers SingPass password just way too dangerous

[1:43 pm, 25/01/2023] +Rama: Agree

[1:44 pm, 25/01/2023] +Ken: But Singapore are harder to scam due to money are tracked. But still some manage to by pass it. Or use information for credit card application

[1:45 pm, 25/01/2023] +Rama: Yes

[1:47 pm, 25/01/2023] +Terrie Wong: Some seniors have SingPass set up at the CCs but often forget their passwords!

- Their thumbprints are quite often faded so am not sure biometric passwords can work.

[1:48 pm, 25/01/2023] +Rama: Facial recognition too!

[1:55 pm, 25/01/2023] +Ken: Thumbprint should work most of the time… or take more than one… for ease of data in case some fade…

Facial a bit hard as they get older… Fat or skinny due to illness is hard to say…

[1:55 pm, 25/01/2023] ☸️ Danny 心:

To encourage our population to be digital savy :-

1. First we need to examine the benefits of digital savviness and digital immersion and digital inclusion - eg. Economy, Business, Jobs, Social, Environmental, Medical, Our Very Existence - how Universe are created and evolved, how living things and human civilisation evolved.

2. Singapore digital inclusion efforts - that cover not only the business, employment, education, eTransaction, eCommerce, eBanking, robotics, AI, autonomous system but also social interaction, social compactness, entertainment and digital media.

3. Singapore digital inclusion efforts should also cover the danger that come with digital usage :-

Eg. cyberattacks, digital scams, ransonware, AI taking over jobs etc.

4. Individual skills will need to cover web access through laptops, servers; mobile apps access, through smartphones etc using wireless access through association with 5G, 4G, WiFi, Bluetooth, Near Field Communication (NFC) etc, understanding of web security eg. multi-factors authentication eg. OTP (One-Time Password), digital token, QR code, etc.

5. Individual digital skills also need to be able to ascertain true online news versus fake news through many sources verification.

Communication platform eg. Whatsapp, Telegrams, Social media platforms, Video Conferencing tools like Zoom, Whatsapp, Telegrams video conferencing etc --- is also a needed skills to enable digital communication.

[1:55 pm, 25/01/2023] +Ken: Iris will be the next…

[1:56 pm, 25/01/2023] +Ken: My mum always forgot ��

[1:57 pm, 25/01/2023] +Rama: What about those with cataract eye operation?

[1:57 pm, 25/01/2023] +Ken: You can’t have everything lol… adopt more than one accepted criteria ��

[1:59 pm, 25/01/2023] +Rama: Expected to be a problem

[1:59 pm, 25/01/2023] +Ken: Or biometric plus NFC chip. For older folks easier for the need for password.

To be frank password should be eliminated. It is not helpful when you need so many password..

[1:59 pm, 25/01/2023] +Rama: Agree on password

[2:00 pm, 25/01/2023] +Terrie Wong: I think we still need to retain at least one traditional counter at govt & commercial offices for the very old or mentally challenged / disabled.

[2:00 pm, 25/01/2023] +Ken: Already password fatigue at work… more than 3… you will start reusing password when you keep have to change every 3 months

[2:00 pm, 25/01/2023] +REACH: �� Topic ��

�� What are your views on Singapore’s digital inclusion efforts? What ar…

[2:01 pm, 25/01/2023] +Rama: Yes

[2:01 pm, 25/01/2023] ☸️ Danny 心:

1. Digital economy extend Singapore small market across territorial boundaries and borders.

Business can put up their goods and services for sales on the Web - to allow overseas consumers to buy our products and services.

Our global logistics chain and hub capabilities, world-class seaports and airports can facilitate transport of our goods to everywhere in the World --- and will help us to mitigate our small markets to the World market cutting territorial borders and territories.

[2:02 pm, 25/01/2023] +Frankie Wee: Study the case elderly user-friendly mobile run SO

iOS and android not familiar to them.

[2:07 pm, 25/01/2023] +richard Wong: Digitalisation is not for everyone !!!! Pls have mercy and spare the elderly to digitise! Allow them to opt in for digitisation if they are tech savvy otherwise let them have their old way !! Have manned counters with human in Govt agencies, banks to serve their needs not everything paperless .They need to interact with people . Their memory fading and eyesights failing .how to navigate with the handphone and remembering so many passwords !!!!!!

[2:15 pm, 25/01/2023] ☸️ Danny 心:

1. Digital sharing among global scientists, AI, Internet search engines have make collaboration and information sharing possible and hence allow human civilisation to discover the greatest mystery of our Universe; that is :-

a. How Universe is created and evolved.

b. How living things and human civilisation are created and evolved.

---- Our very existence.

2. This has allow scientists all over the World to create the following in the laboratory :-

a. Artificial Sun - through nuclear fusion of hydrogen nucleus in plasma state to form bigger helium nucleus

b. Teleport (of information bit, energy using quantum processor) - through Quantum gravity, curvature bending of time and space from Einstein General Relativity.

c. Creation of Baby Universe in the lab (Mind-blowing) - Universe within a universe (Intra-Universe) - through creation of a "False Vaccum or Void" - by injecting "One Stray mother atom" into the barrier of "false vaccum" using "Quantum Tunneling".

Nuclear fission occur when a neutron clash into the Mother nucleus that split the mother atom into many smaller atoms and start a chain reaction - causing a Big Bang and a "Baby Universe" is formed.

Nuclear fusion create "Artificial Sun".

Merged atoms that cool down form planet and satellite.

[2:16 pm, 25/01/2023] ☸️ Danny 心:

How Universe is created and How Mental Process develop to form Living Things

(1) Matter

(2) Mind

24 Jan 2023

(I) Matter (色）Form

1. Universe is created from Nothing (Emptiness).

2. Emptiness is a "false vaccum" - void without atoms.

3. To create a Universe - need injection of "an atom" into the "false vaccum" or void.

4. But the "false vaccum" is a huge barrier for any atom to be "inserted".

5. The only way to insert a "Mother Atom" into the "False Vaccum" or Void - is through "Quantum Tunneling".

6. "Quantum Tunneling" is a condition whereby "False Vaccum" absorb the "Mother Atom" into the Void.

7. The "Mother Atom" with the atomic structure of nucleus, neutron, proton (+) and electron (-) become the 1st atomic structure in the "False Vaccum" or Void.

8. Through nuclear fission chain reaction, where neutron collide with the nucleus, the atom split into more smaller atoms with their own subatomic structure of nucleus, neutron, proton (+) and electron (-).

9. More nuclear fission occur cause more atomic spitting - resulting in Supernova and create the Big Universe through a Big Bang (Atomic or Nuclear Explosion).

10. Stars, Suns are formed when nuclear fusion occur to create infinite energy, but for those celestial bodies like planets, satellites like moons - they are created if their nuclear fusion cool down and support living things.

11. RNA and DNA are protein organic molcules made up of atoms. When more helium fuse together - it will form carbon wherey organs and larger living things evolved in the planet.

12. This is how Universe (Matter or 色 or Form) and Living Things are created on Earth.

[2:16 pm, 25/01/2023] ☸️ Danny 心:

(II) Mind （空）Formless

1. Mind or Mental Process - its orign, its nature is "Emptiness" or "Void" or "No Birth, No Death" or "Eternal Bliss, Eternal Peace" with "No Karma".

2. Like Universe, Matter "False Vaccum" or Void or "Emptiness" in its initial original state or nature, Mind is also in "Emptiness".

3. Like in "False Vaccum" in Origin Universe of Emptiness, it is a "natural barrier" that will not allow even "one stray atom" to be inserted into the "False Vaccum".

Likewise, in "Emptiness Mind" or "Nirvana Mind", even "one stray thought" will not arise within the "Empty Mind or Heart" or will any infiinte stray thoughts can penetrate the "Empty Mind". This is its nature. No matter how hard one try to arise a stray thought will not succeed in an "Empty Mind".

Unlike human beings or other 6 realm sentinent beings - stray thoughts occur thousands of time naturally, which is their nature anchor on 3 roots of "Ignorance of Universal Truth", "Greed or Desires to live in mundane world", "Hatred, Anger - for failure to meet their greed or desires or expectation".

4. Then how does mental process evolve in an "Empty Mind" to evolve into living things in the Universe to form the 6 realms sentinent beings?

5. Similar to "Quantum Tunneling" to insert "a Mother Atom" into the "Empty Universe" - "One stray thought" or 起心动念 will arise when :-

a. Even when one stray thought of - Attachment to Worldly desire (formation of Universe arise).

b. Nirvana Beings or Empty Mind of Enlightened Beings - have even one stray thought of "Compassion" arise - to want to Salvage sentinent beings and Universal Matter falling into the Mundane Universe.

These 2 conditions of "One stray thought" or 起心动念 - start the "Mental Process" of living things created or evolved in the Universe, the Earth planet or other planets.

Hence :--

色 = 空 (Form = Emptiness)

空 = 色 (Emptiness = Form)

Form and Formless (Mind and Matter) - is a "Mirror image" of one and another.

明心见性。

(Understand of the Heart and Mind in Emptiness - see the "True Nature" of Universal Truth.

This will Unified all the Religions in the World ----- through "Enlightenment" of knowledge verified by New Science, New Physics !!!

[2:18 pm, 25/01/2023] +Frankie Wee: Universe created by God

But we can do see nothing existed

We believe there developed than universe

[2:18 pm, 25/01/2023] +Ken: �� way off topic boss

[2:18 pm, 25/01/2023] +Rama: I thought so

[2:19 pm, 25/01/2023] +Ken: He has so many quotes in his notepad quite amazing ��

[2:19 pm, 25/01/2023] +Ken: Never seems to repeat so much… but not all related

[2:23 pm, 25/01/2023] +Frankie Wee: How many cell in brain �� database do we have? Human can created AI robot �� in the small brain bio and blood?

[2:23 pm, 25/01/2023] +Frankie Wee: Don’t know how to believe the future.

[2:25 pm, 25/01/2023] +Ken: Second brain lor…. Example your phone…

[2:25 pm, 25/01/2023] +Ken: Nowadays how many people remember phone numbers

[2:25 pm, 25/01/2023] +Ken: The most you have a few you common use

[2:26 pm, 25/01/2023] +Frankie Wee: Human is not 100% professional

Human error make mistake

[2:26 pm, 25/01/2023] +Ken: Sorry I detached all the numbers…

I can’t even remember my wife phone number ��

��

[2:26 pm, 25/01/2023] +Rama: ��

[2:27 pm, 25/01/2023] +Ken: How many time we press number to call nowadays.. all in shortcut tap don’t even show number when press

[2:27 pm, 25/01/2023] +Ken: Only name

[2:32 pm, 25/01/2023] +Smiley face: 25 January, 2023

Trust, Trusting and Trusted?

"Whoever successfully transformed Digitally will have absolute competitive advantage over the others, likewise whoever use these Digital means will benefit, it's about economic growth...?"

- - anonymity

Trust?

Businesses and Public service need to build a trusting relationship with all customers (consumers or citizens) and hopefully over a longer period of time becoming a trusted relationship. How safe will the personal data be? It is no longer a "what if" situation but it will certainly happen to the breach of millions of personal information that may lead to unintended consequences such as scams!

Trusting?

So how secure will these digital transaction platforms be? How safe are these layers of protection …

[2:44 pm, 25/01/2023] +Kenneth Lee WM: There should be an advisory team to help the oldies subscribe to a service that suit their needs. Or give them 3 months grace to terminate their contracts without penalties.

In my neighbour’s case, a retired, elderly person, hdb dweller, singtel upsell him mobile and broadband services costing him about $60 a month recently.

He only use broadband occasionally for bank transactions. A $5 senior mobile plan with mobile hotspot sharing would serve his needs.

Switched him off singtel mobile plan but he is still stuck with his broadband contract.

[2:45 pm, 25/01/2023] +Frankie Wee: I agreed ��

SingTel alway cost them elderly

[2:46 pm, 25/01/2023] +Thomas: Digitalization has many positives like now closer and faster link for supply and demand side of commerce. The link for social and keeping in touch is convenience and instant even though we may be ocean away. It now allows WFM and remote access , entertainment, instant news and rumor etc and practically all aspect of commercial and social life . The downside is the bad actors like hackers include state sponsor hacker on national & local infrastructure (my company was hit by rasomware in 2021). Other downside is easy to agitate or disseminate to population via false information via social media. It may erode some cultural aspect of a community. I just can't understand or get over the e-hong bao being promoted and I never use it. It will lose the significance o…

[2:48 pm, 25/01/2023] +Rama: True

[2:49 pm, 25/01/2023] +Rama: Short cut

[2:49 pm, 25/01/2023] +Terrie Wong: Yes, only the older teens wave HPs at their adult relatives: Uncle/Aunty, You can sent me e-angpows now!

[2:49 pm, 25/01/2023] +Thomas: Btw, my father don't has a handphone and he is 90. He has a problem with Singpass access

[2:50 pm, 25/01/2023] +Ken: Lol too troublesome for them… easy for us…

[2:50 pm, 25/01/2023] +Rama: Uncle and auntie still old fashion.

[2:50 pm, 25/01/2023] +Rama: Another problem

[2:50 pm, 25/01/2023] +Ken: The problem also comes.. ask them to have email ��

[2:50 pm, 25/01/2023] +Ken: They don’t even use it how to have email…

[2:51 pm, 25/01/2023] +Ken: The person that plan didn’t think about the non email generation

[2:51 pm, 25/01/2023] +Rama: Yup

[2:51 pm, 25/01/2023] +Thomas: As in my post , don't undercut a good cultural tradition of respect and giving via e-hong bas

[2:51 pm, 25/01/2023] +Ken: Create for them.. ask them remember password… lol

[2:51 pm, 25/01/2023] +Rama: Agree

[2:52 pm, 25/01/2023] +Ken: To me… if they don’t understand the meaning… it is just money grabbing ��

[2:52 pm, 25/01/2023] +Rama: Yes

[2:54 pm, 25/01/2023] +Thomas: One way for bank to make money ... forget about tradition

[2:55 pm, 25/01/2023] +Terrie Wong: E-angpow is convenient for cross border giving though

[2:56 pm, 25/01/2023] +Ken: Is it?

[2:58 pm, 25/01/2023] +Rama: Agree

[2:59 pm, 25/01/2023] +Rama: Much indepth re-education needed to convince traditional seniors

[2:59 pm, 25/01/2023] +Thomas: yes , but u don't miss the excitement of children receiving it and keeping it in their pocket. Make them wish their elders before receiving ? End of the day count the money. E-hong bao is just transactional between elders and children , with this . they will not understand the meaning of Chinese tradition and become soon insignificant . They will constantly check their bank account .

[3:01 pm, 25/01/2023] +Thomas: Not so much of convince the elders. It is convince which tradition to keep and forgo

[3:05 pm, 25/01/2023] +Thomas: Have you heard about Qingming Jie (Or Tomb sweeping day ) has also gone virtual ? With online Shrine ? This is just a marrying between convenience and satisfying yourself that you have done your duty on Tomb sweeping ?

[3:09 pm, 25/01/2023] +Smiley face: There will always be some people who will never adapt to changes (this case is going digital).

Fact is people don't feel good whenever change happens! That's human nature!

The key is CHANGE!

[3:09 pm, 25/01/2023] +Rama: Agree

[3:10 pm, 25/01/2023] +Rama: Respect for ancestors has become digital!

[3:14 pm, 25/01/2023] +Thomas: Agree, change is good but make rational sense and logical use of technology. I have use Chatbox via the bank and I almost pull off my hair when it giving me nonsense. I remember MOH dispensing AI inappropriate advice when a certain keyword is used, it became viral in internet at that time. We still need the human touch . Technology is to assist and help but not replace. Human minds still put in the logic in the Technology and it cannot replace human at this point in time

[3:14 pm, 25/01/2023] +Thomas: Apparently in China.

[3:15 pm, 25/01/2023] +Rama: ��‍♂️��

[3:15 pm, 25/01/2023] +Rama: Agree

[3:20 pm, 25/01/2023] +Smiley face: Hi Thomas, you touched on an issue of relevance.

Years ago, the workers were told to up their skills, stay relevant and to increase productivity.

The jobs of yesterday and tomorrow will face even higher challenges so much so that the existing jobs and roles may not exist as the world moves into 2030!

Therefore, it is fair to assume that many leaders and stakeholders are still unable to map out a clear path as to where the new economics order will be like?

It matters to everyone's lives and livelihoods! A concern not to be taken lightly!

Thank you.

[3:28 pm, 25/01/2023] +Thomas: I am in the technology arena for many years. What the leaders and stakeholders advocating is true and what the tech industry are looking at in the next couple of years. We need to up skills and stay relevant. What I am diverging is when technology is not use appropriately that may undercut tradition with long term impact, consideration for how it is being used and protect it. We may probably in Technology in Chief in the cabinet to marry between tech and ground/reality, a deep thinker on the use of tech. Secondly, we may emphasize tech and developing talent for the industry but we must not forget traditional industry that need talents and other skills also

[3:32 pm, 25/01/2023] +Noraini: ��

[3:33 pm, 25/01/2023] +Thomas: What the CIO of company does is to marry tech and business to produce the best tech outcome for the company. We may need this CIO at the cabinet

[3:33 pm, 25/01/2023] +Rama: Definitely

[3:33 pm, 25/01/2023] +Grace: I think we need more human touch, less tech to be honest

[3:33 pm, 25/01/2023] +Rama: Agree

[3:33 pm, 25/01/2023] +Grace: Quite tired of talking to yer another bot or AI interface

[3:34 pm, 25/01/2023] +Terrie Wong: We must accept things are a-changing: Even beggars in China have their own QR code.

- Digital respect is good when elders still get e-angpows.

For toddlers & young kids, we give physical angpows with $2 - 10 notes which thrill them when they count their haul

[3:34 pm, 25/01/2023] +Smiley face: 25 January, 2023

Exceptions?

The 'escalator'⁰ of digitisation will be harder for our PGs and some of our MGs. It doesn't matter (give due considerations to them) if we are not able to inclusively get them to step on board this escalator. It would be great if they are able to do so.

So long as we achieve 90% to 95% before 2030, the ability in adopting these digital drivers, no problem, we will progress as one nation!

- - in progress - -

[3:34 pm, 25/01/2023] +Rama: Likewise

[3:36 pm, 25/01/2023] +Terrie Wong: Often, we have to insist on human interface when the AIs don't understand our requests.

They'll get better with time, am sure.

[3:38 pm, 25/01/2023] +Rama: Just like app chat box where one have to be very specific when talking to AI!

[3:47 pm, 25/01/2023] +Grace: Hmm for mental wellness and our social cohesion, I think no AI can replace a human touch. My 2 cents ��

[3:52 pm, 25/01/2023] +Rama: Here ye here ye!

[3:54 pm, 25/01/2023] +Rama: If people don't marry early enough and have at least two children, AI will be the norm for the millennium generation long after generation Zis dead and gone!

[4:05 pm, 25/01/2023] +REACH: �� Topic ��

�� What are your views on Singapore’s digital inclusion efforts? What ar…

[4:10 pm, 25/01/2023] +Khuan Yew: Rather than make the digitally excluded individuals acquire digital skills, Minister Josephine Teo should focus on what is lacking that causes them to be excluded. For example, banking apps are only in English so senior citizens who are not competent in the language can’t use these apps for banking and payments.

She also cites that 97% of the eligible population have a SingPass account. However, I’m sure a large proportion of senior citizens get a trusted person to operate their SingPass for them. My in-laws are Chinese speaking and their children are the ones operating their SingPass account. Again, this is because the SingPass app is only available in English. Why not make it available in Malay, Chinese and Tamil?

But even if these are available, senior citizens are fearful of online scams and do not know how to distinguish between real information and scams. Therefore, the easiest way for them to manage this risk is not to go online.

So there’s a ceiling to how much digital inclusion there can be because some people choose not to and the government should respect that. Therefore an offline option should be provided for those who want to be offline instead of forcing everyone to be digitally included.

[4:12 pm, 25/01/2023] +Caleb: Think singpass app it's already available in chi ect.

[4:13 pm, 25/01/2023] +Rama: Why wasn't this considered when developing singpass in only one language!?

[4:15 pm, 25/01/2023] +Rama: Malay and tamil!?

[4:16 pm, 25/01/2023] +Caleb: https://mothership.sg/2022/03/singpass-4-languages/

[4:17 pm, 25/01/2023] +Rama: Great! What is the usage/take up/issue rate amongst the electorate!?

[4:17 pm, 25/01/2023] +Terrie Wong: Some of the elderly are illiterate so they cannot handle Malay, Chinese, Tamil or arithmetic. In my addition, they are also computer illiterate.

[4:18 pm, 25/01/2023] +Jeremiah Wee: As an alternate solution for elderly who cannot manage their digital services, possible to delegate the access rights to a family member or chosen POA? Saves the mental effort on the old, and the need to hire people to train elderly.

Real life application would be the children or caregivers to manage these administrative tasks on behalf.

[4:18 pm, 25/01/2023] +Rama: This is a legitimate problem which will be tough to handle!

[4:19 pm, 25/01/2023] +Jeremiah Wee: Will probably need to build safeguards to prevent abuse.

[4:19 pm, 25/01/2023] +Rama: This has a ĺegal implications in the event of fraud!

[4:20 pm, 25/01/2023] +Jeremiah Wee: Thus to their children or designated persons only. Rather than having the elderly queue at counters for various services.

[4:21 pm, 25/01/2023] +Smiley face: Hi Jeremiah, good idea! Thanks.

[4:21 pm, 25/01/2023] +Rama: Children too can cheat their parents!

[4:22 pm, 25/01/2023] +Smiley face: That's possible too. Thanks.

[4:22 pm, 25/01/2023] +Khuan Yew: Thanks for the info. So I’m mistaken and SingPass app is available in all 4 languages. Though it’s rather belated and only available a year ago while the SingPass app has been around for a couple of years

[4:22 pm, 25/01/2023] +Jeremiah Wee: Haha just a base level suggestion.. Leaving it to policy makers to fine tune and assess if this is worthwgile pursuing

[4:22 pm, 25/01/2023] +Rama: So was I

[4:22 pm, 25/01/2023] +Rama: Yes

[4:28 pm, 25/01/2023] +Caleb: https://www.healthhub.sg/programmes/128/personal-health-eservices

Healthhub is a good example. Can act on behalf of family and friends

[4:30 pm, 25/01/2023] +Caleb: https://www.singpass.gov.sg/main/html/faq.html

[4:31 pm, 25/01/2023] +Caleb: https://www.singpass.gov.sg/main/html/faq.html

[4:35 pm, 25/01/2023] +Smiley face: "Given such strong defenses against change, fresh ideas come from those who do more than think outside the box. They think outside the building."

- - Rosabeth Moss Kanter

(Think Outside the Building: How Advanced Leaders Can Change the World One Smart Innovation at a Time...)

[4:37 pm, 25/01/2023] +Rama: Nice

[4:57 pm, 25/01/2023] ☸️ Danny 心:

1. Digital inclusion is an enabler for true knowledge sharing.

2. True knowledge is power.

3. Knowledge unified everything - to provide for the economy, jobs, social compactness, faiths and promote peace, prosperity - reduce friction and violence due to differences in label.

The underlying concepts, facts, verified by science become significant.

Hence digital inclusion if used correctly - will be a Blessing to human mankind.

[4:58 pm, 25/01/2023] +Rama: Mankind simply have to accept and adapt.

[5:04 pm, 25/01/2023] ☸️ Danny 心: ��

[5:08 pm, 25/01/2023] +Frankie Wee: I would like to share very important.

My mother don’t know how to use SingPass she is very old already and worry of trust public. She alway come to me for help open SingPass to register her own billed.

Any of idea for elderly trust and safety in app

[5:09 pm, 25/01/2023] +Frankie Wee: When she was there at ICA but keep asking go through online SingPass but she didn’t alone with her documents. It’s a lot waste of time.

[5:10 pm, 25/01/2023] +Frankie Wee: Imagine of us in future we getting older how would technology useful to help us.

[5:10 pm, 25/01/2023] +Rama: This will be tough to implement as it requires a person similar to having lasting power of attorney as I see.

[5:10 pm, 25/01/2023] +Rama: OK for those who are somewhat tech savy only

[5:21 pm, 25/01/2023] +Khuan Yew: Thanks for sharing. That’s an example of the government forcing the seniors to go digital when they don’t want to and are not capable of it.

Instead of focusing on the efficiency gains for the Government processes and institutions, the government needs to think from the perspective of the “customer” i.e. citizens that don’t want to go digital. Government has to accept that it will not be fully efficient and should stop trying to achieve 100% digital adoption rate.

[5:24 pm, 25/01/2023] +Kenneth Lee WM: Singpass implementation not consistent and there doesn’t seem to be a body to ensure that it is implemented consistently. Gov seem to just leave it to implementors.

Eg:

Gov sites all use app and nric/pswd/sms as alternative 2fa.

With income.com.SG, one cannot use nric/pswd/sms. The login with password is their proprietary email/ pswd authentication system.

This inconsistent implementation of singpass 2fa adds to the confusion for seniors. What they learn in courses apply only some of the time.

[5:24 pm, 25/01/2023] +Rama: Government cannot comprehend this segment of electorate!?

[5:24 pm, 25/01/2023] +Frankie Wee: What will happen Alzheimer's Disease would she or he able handle SingPass all of the assets?

[5:24 pm, 25/01/2023] +Grace: Agree

[5:25 pm, 25/01/2023] +Grace: I think there is merit in balancing offline and online platforms

[5:27 pm, 25/01/2023] +Grace: Singapore likes to "chiong" with newfangled glitzy tech etc but it is wise also to learn practical skills such as growing an actual community instead of an online one. A good example of this is the kampong-like Holland Village library that started organically and with a strong human spirit of care for one another.

https://mothership.sg/2023/01/holland-village-blk-2-library/

[5:50 pm, 25/01/2023] +Rama: Why no oversight!?

[5:57 pm, 25/01/2023] +Wai Xin: isn't income.com.sg a private entity?

[5:58 pm, 25/01/2023] +Singapore Maid Agency: Agree and also the dyslexic and visually impaired citizen

[5:59 pm, 25/01/2023] +Rama: Yes

[5:59 pm, 25/01/2023] ☸️ Danny 心:

Income also use singpass.

[6:00 pm, 25/01/2023] +REACH: �� Topic ��

�� What are your views on Singapore’s digital inclusion efforts? What ar…

[6:01 pm, 25/01/2023] ☸️ Danny 心:

All entities that uses singpass essentially is using SSO - single sign on.

No need to remember many password.

[6:02 pm, 25/01/2023] +Singapore Maid Agency: Have been helping few of my elderly neighbour apply for CHAS and pioneer generation card as they shared that their children either overseas or busy and some children tends to get annoyed when their parents ask more questions and these cause mental stress for whole family ��

[6:02 pm, 25/01/2023] +Khuan Yew: She can do a Lasting Power of Attorney to appoint you to act in her interests if she’s not able to.

https://www.msf.gov.sg/policies/Pages/Lasting-Power-of-Attorney.aspx

[6:05 pm, 25/01/2023] ☸️ Danny 心:

Singpass is a single national authenticator to facilitate single sign on to many government and commercial services.

[6:09 pm, 25/01/2023] ☸️ Danny 心:

And the singpass mobile apps installed in the smartphone is essentially a digital token.

[6:13 pm, 25/01/2023] +Smiley face: https://www.imd.org/centers/world-competitiveness-center/rankings/world-digital-competitiveness/

Denmark excels in ranking that measures how well economies are exploring new tech

In digitally competitive economies, cybersecurity measures are top priority for public and private sector, the 2022 IMD World Digital Competitiveness Ranking also found.

Governments and the private sector need to shield their digital infrastructure from cyber attacks if they want to continue in the race for digitally competitive economies. This was a major finding in the 2022 edition of the IMD World Digital Competitiveness Ranking, published today by IMD’s World Competitiveness Center (WCC).

All things being equal, economies that want to develop a solid roadmap for digitalizati…

[6:23 pm, 25/01/2023] ☸️ Danny 心:

1. My only worry is how fast quantum computing is progressing.

2. China say they have successfully developed quantum computing - with capabilities to be able decrypt all traditional digital encryption using binary bits. Such as RSA, 3DES, etc encryption with very strong key.

Though western computing scientists dispute such claim, they acknowledge that China computer scientists have make significant breakthrough in quantum computing.

3. Essentially quantum computing make use of atomic and subatomic particles for computing taking advantage of quantum mechanics such as qubit, quantum superposition, quantum entanglement of all opposing states eg. 00, 11, 10, 01 - that can break traditional binary bits of 0 or 1.

4. Hence our computer scientists will need to ramp up our knowledge in quantum computing - to ensure our cybersecurity in military, government, internal security, banking, business, individual computing can be secured and not break by quantum computing.

[6:38 pm, 25/01/2023] ☸️ Danny 心:

Chinese researchers claim to find way to break encryption using quantum computers.

Experts assess whether method outlined in scientific paper could be a sooner-than-expected turning point in the technology.

Look like our money in the banks, government military, business etc that uses traditional binary encryption algorithms no longer safe

https://www.ft.com/content/b15680c0-cf31-448d-9eb6-b30426c29b8b

[6:50 pm, 25/01/2023] +REACH: Dear Contributors,

⏰ We will be closing the chat in 10 minutes ⏰

Thank you very much for being part of our WhatsApp chat and participating actively.

Goodnight!

Megan ��

[7:01 pm, 25/01/2023] +REACH: Dear Contributors,

We will be closing the chat for today.

Thank you very much for being part of our WhatsApp chat and participating actively.

Goodnight!

Megan ��

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