REACH 510 - What are views on the findings of the Digital Society Report? How can we better promote safe use of digital services and promote greater adoption especially by seniors?
(SK)
06 Nov 2023 (10am - 7pm)
REACH
6/11/23, 9:46 am - +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 😊
6/11/23, 9:58 am - +REACH: 📢 *Topic* 📢
The inaugural Singapore Digital Society Report, released on Saturday 4 Nov, found that more Singapore residents aged 60 and above own smartphones and are embracing digital tools to communicate, seek information and make payment. However, the report also found that many still lacked confidence in being able to identify scams and were not keen on embracing trying out new technologies.
The Infocomm Media Development Authority (IMDA) said the Government will continue its efforts to empower people to embrace emerging technology and manage the risks that arise. It reiterated that the Government has a “digital first” but not “digital only” strategy, where essential services remain accessible through non-digital means for those unable to use digital channels.
💬 *What are views on the findings of the Digital Society Report? How can we better promote safe use of digital services and promote greater adoption especially by seniors?*
The report measured digital access, digital skills for daily living and attitudes towards digital technologies in Singapore. IMDA said initiatives such as the Seniors Go Digital programme have helped seniors improve their skills.
_Key findings from the report_
📌 *_Identifying scams_*
The report showed that while seniors are taking to digital tools, only 44 per cent are at least moderately confident in identifying scams on messaging platforms. IMDA said that this may deter seniors from going online and enjoying the benefits of digital technology.
📌 *_Internet access_*
Only 93 percent of seniors-only households have Internet access. IMDA said the 7 percentage point gap is due largely to seniors’ perceived lack of need, skills, knowledge and confidence to use the Internet.
📌 *_Embracing new technology_*
Among seniors, only 45 percent are willing to try new digital technologies such as voice recognition, virtual reality and augmented reality. Additionally, only about half of residents expressed willingness to accept the risks associated with technology use, such as the spread of misinformation and online scams.
👉https://www.straitstimes.com/singapore/seniors-becoming-more-digitally-savvy-but-lack-confidence-in-spotting-scams-imda-report
6/11/23, 10:00 am - ~ REACH Singapore changed the group description
6/11/23, 10:00 am - ~ REACH Singapore changed this group's settings to allow all participants to send messages to this group
------
6/11/23, 10:01 am - +Rama: What is the take up rate for seniors to attend a one day course for smart phone usage?
6/11/23, 10:12 am - +Kenneth Lee WM: one missing item i feel is a certification of the app that's being used by the public. right now, there's an exuberent push for everything to be digitalise. Each app developer has different skill levels with regards to security as their focus is mainly to get their app to work. They may not consider UI consistency. These developers then sell their services to vendors who trust that these developers have considered security in their applications. As a result, some apps work in a certain way but yet another way in others, some are secured while others are not. Very inconsistent and confusing to end users.
Take for example, Singpass authentication. It first started out with government agencies. Their 2 factor started with SMS. Later there is an option to use either SMS or the app. The API was then opened to private companies to use and the SMS option is not made available for those private companies; it's only available for government agencies. Oldies who have used dump phones all their lives now try to enter insurance websites on their desktops; cannot login via Singpass. Need to resort to insurance company's insecure passwords.
Now in a lot of restaurants, we now have to use our phones to scan a QR code which will encode table number with our order. Once order is placed, they are sent to the kitchen. At end of meal, we go to cashier to pay. Pranksters can easily get hold of a QR code and start to place nonsense orders for any table and cause confusion at the kitchen.
If there is a central certifying body who can check that all public facing apps are checked properly, it would make the app's authentication, authorization, accounting aspects consistent and prevent inconsistencies/confusion and improve overall security.
6/11/23, 10:15 am - +Rama: Agree
6/11/23, 10:58 am - +REACH: *Dear Contributors*
We want to *HEAR MORE* from you!
💬 *What are views on the findings of the Digital Society Report? How can we better promote safe use of digital services and promote greater adoption especially by seniors?*
Megan 😊
6/11/23, 10:59 am - +Rama: Has the seniors digital ambassador programme had any success?
6/11/23, 11:37 am - +REACH: *Dear Contributors*
We want to *HEAR MORE* from you!
💬 *What are views on the findings of the Digital Society Report? How can we better promote safe use of digital services and promote greater adoption especially by seniors?*
Megan 😊
6/11/23, 12:07 pm - ☸️ Danny 心:
Police has issued an advisory on the malicious malware which when downloaded on your mobile for the GST vouchers will enable the app to access your bank accounts and withdraw the money
https://www.police.gov.sg/Media-Room/News/20230811_police_advisory_on_fake_gst_voucher_application#:~:text=The%20GST%20Voucher%20mobile%20application,passwords%20stored%20in%20the%20device.
6/11/23, 12:15 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 12:20 pm - ☸️ Danny 心:
1. Scammers have too many tricks up their sleeves.
2. Not only elderly, but young informed professionals may also fall into the traps.
3. This message seems authentic.
A slip of the mind, will get trick.
4. It is spread through Whatsapp and Facebook.
5. Unless social media platform are held responsible or take greater responsibility to filter such malicious links - more Singaporeans or residents may fall into such traps.
6/11/23, 12:24 pm - ☸️ Danny 心:
1. Wonder why not use AI content filtering to sieve all social media that carry such messages - to do a more refine screenings, such as going through a few round scrutiny - with human testing the links if the links are safe before allowing such links to reach the recipients?
2. Else many unsuspecting recipients of such malicious links will get scam.
6/11/23, 12:28 pm - +~L: The main problem is that there is inadequate consumer protection.
I can give a clear example.
The default option should be to prevent fraud.
A friend's kid had a star hub mobile account and by default he was allowed to spend on the playstore and charge the mobile phone account.
After several hundreds of dollars spent on video games the parent only knew after getting the mobile phone bill. After complaining to Starhub they said he had an option to turn off this setting (but by default it was on and never explained to him that it existed or he could turn it off).
This is one example of many where companies want money spent through their services and they don't care if it's done via scam or not since there is no consequence to them.
Consumer protection should come first.
6/11/23, 12:30 pm - +~L: Yes, Restaurant QR Code is another good example where it is so easily open to abuse. Some restaurants require payment up front, but it's just obvious that we need to be smarter and not leave silly backdoors open for people to abuse (either maliciously or for fun).
6/11/23, 12:32 pm - ☸️ Danny 心:
1. Banks should be mandated to implement as announced by MAS:-
a. Digital in, Physical out.
b. OOB authentication
2. Only then such scam will not be successful - because banks can identify the real identity of the bank customers and not let scammers steal away the innocent victims savings who have been tricked by the scammers malware. <This message was edited>
6/11/23, 12:34 pm - +Rama: OOB Authentication is
6/11/23, 12:35 pm - +~L: Having said all this - I remember going to Citibank to sign a document. They said my signature didn't match their records. After 3 failed attempts they ask me to sign multiple times on the paper so they could find one that did match. I had all my ID etc, so it really just required some common sense. Too often we follow the rules literally.
6/11/23, 12:36 pm - +Rama: 😳🤦♂️😞
6/11/23, 12:36 pm - ☸️ Danny 心:
Out of band authentication.
That's outside the loop of bank digital authentication that malware can trap.
Eg. Userid, password, digital token, SMS otp - all in one handphone digital authentication. <This message was edited>
6/11/23, 12:36 pm - +Rama: Thanks
6/11/23, 12:38 pm - ☸️ Danny 心:
3. Also "money lock" mandated by MAS is useful - as scammers can't steal and transfer the money out digitally.
6/11/23, 12:39 pm - +Rama: Yes
6/11/23, 12:43 pm - ☸️ Danny 心:
Only when digital banking is properly safeguarded, will people including seniors regain confident to use more digital.
Else people live savings are in peril.
6/11/23, 12:44 pm - +Rama: Yes
6/11/23, 12:45 pm - +~L: This is the reality.
6/11/23, 12:59 pm - +Smiley face: 6 November, 2023
"The ABC and the Piggy Bank"
"Basic Instincts? The clouds of fearfulness are covering many people minds and doubts when dealing with anything that is unfamiliar to them. In this unavoidable digital generation, either you adapt and adopt the digital ways of transacting the daily needs or you will find that sooner than later you will have to learn it and just have to do it! And who are these doubtful folks? The elders, the vulnerables, and up to 10% of the population!"
- - anonymity
6/11/23, 1:04 pm - ☸️ Danny 心:
My close friend comments:
1. Eg, we get into the habit of scanning QR codes which can bring us to dark websites and malwares inadvertently installed. Everything is digitallised so we think it's ok to install/download apps.
2. And preyed on habits and norms.
My comments:-
Exactly.
Scammers use social engineering to prey on victims.
6/11/23, 1:07 pm - +Frankie Wee: Senior elderly at risk below matter when they don’t know such digital technology. Present they have learn lesson lost trust by scam.
Can we have a technology innovation eye core and facial recognition system safe so the bank will inform them beware of risk security. Without go through difficult protection themselves.
6/11/23, 1:08 pm - ☸️ Danny 心:
Biometric and facial recognition now very risky.
Can be copied by scammers and victims will lose their features forever.
Unlike password stolen can change.
Biometric stolen cannot change unless reborn.
6/11/23, 1:09 pm - +Frankie Wee: Eye core
6/11/23, 1:09 pm - ☸️ Danny 心:
Iris Can be stolen.
6/11/23, 1:10 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 1:12 pm - +Frankie Wee: Ai network centre cybersecurity security will be under protection
6/11/23, 1:12 pm - +Frankie Wee: I think how Singapore system network cybersecurity to protect the future when wave scam hit.
6/11/23, 1:13 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 1:13 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 1:13 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 1:15 pm - +Frankie Wee: We have no choice the future seek very deeply and research still time to development there will be challenges economic growth.
6/11/23, 1:16 pm - +REACH: 📺*TUNE IN*
Singapore's parliament discusses the Israel-Hamas war, with more than 30 parliamentary questions filed about the ongoing conflict.
Watch the livestream now: https://www.youtube.com/watch?v=PTQhqBGfdfA
6/11/23, 1:16 pm - +Frankie Wee: If we know someone who pass away all the system network is informed same like SingPass.
6/11/23, 1:17 pm - +Frankie Wee: Can go ahead useful 6G when even 7G very high spend connection within per seconds.
6/11/23, 1:21 pm - +Frankie Wee: Not only technology system need one power but unit network system within inform technology whole area and connectivity.
6/11/23, 1:33 pm - +Smiley face: The prey, You play!
6/11/23, 1:34 pm - +~L: Related to this topic. https://www.theguardian.com/world/2023/nov/06/chinese-influencers-using-ai-digital-clones-of-themselves-to-pump-out-content?CMP=Share_AndroidApp_Other
There is not much trust anymore using online systems.
6/11/23, 1:34 pm - +Smiley face: When they go complex, you go simple!
6/11/23, 1:35 pm - +Smiley face: What is trust, distrusting and how about regaining trust?
They prey, You play!
6/11/23, 1:35 pm - +Smiley face: How to catch a scam?
6/11/23, 1:36 pm - +Smiley face: No system is full proof, same goes for Nuclear facilities!
So how to 'fool & scam' proof?
6/11/23, 1:38 pm - +Smiley face: From the moment of last breath to the reporting of death is 2 hours or less....or it can also be over half a day for whatsoever conveniences and family circumstances....
6/11/23, 1:38 pm - +Smiley face: The faster it is the more furious the crimes of all sorts will be....no recourse?
6/11/23, 1:40 pm - +Smiley face: Half a generation time lag to fully fulfilled digital initiatives and a robust system of delivery and defence?
Let's think of the ABC...redesign and rebuild the current digital platforms or it will be a fix and fixing and fixed situations?
6/11/23, 1:41 pm - +Smiley face: Even so for biometrics!
6/11/23, 1:41 pm - +Smiley face: Extension of biometrics....
6/11/23, 1:41 pm - +Smiley face: Easy pissy....
6/11/23, 1:42 pm - +Smiley face: Easier than done....
6/11/23, 1:43 pm - +Smiley face: Adaptation and generative with super AI abilities with Quantum Computing....all done and wiped cleaned!
Accessed!
6/11/23, 1:44 pm - +Smiley face: Australia Visa application has this feature of facial ID... what are the ring fencing protocols?
How relevant are the facial indexing?
6/11/23, 1:45 pm - +Frankie Wee: Tackle them crime and high technology. No one know future there a police job or robot replace human
6/11/23, 1:48 pm - +Smiley face: Try Hubots!
Yes to presume that these illegalities are unstoppable and unpreventable and the costs of Digitisation are all perhaps the beginning of denial of responsibilities from the individuals to the ends.
How are we supposed to journey this irreversible tempo of digit and to sustain a lowered costs of doing?
6/11/23, 1:50 pm - +KL: Haha even with high internet use rate but all use tik tok for show than mean zero . Unless is tik tok seller :)
6/11/23, 1:50 pm - +Smiley face: Police is apprehender?
Policies are the referee?
Public are the causes?
Perpetrators are the winners?
6/11/23, 1:51 pm - +Rama: 👍👌🤷♂️
6/11/23, 1:51 pm - +Smiley face: Tiktok is one easy pissy and relaxing place for things to happen....let's think?
6/11/23, 1:51 pm - +KL: Good infrastructure not using for good but entertainment is nothing to boost about .
6/11/23, 1:52 pm - +Smiley face: Everything regardless of tangibles or intangibles.... this case is about Internet, safety and scamming. .
All are hackable, the good, the bad and the ugly!
6/11/23, 1:53 pm - +Smiley face: How do you scam a person, a group of people and scale into the millions?
6/11/23, 1:55 pm - +Rama: Gullibility helps!
6/11/23, 1:55 pm - +Smiley face: Those who play chess or weichi or otello or Chinese chess will comprehend and understand....
6/11/23, 1:55 pm - +Smiley face: There is an old saying .." no fools until proven a fool"...
6/11/23, 1:56 pm - +Rama: Agree
6/11/23, 1:56 pm - +KL: It about logic
6/11/23, 1:56 pm - +Smiley face: You create circumstances and situations....
Think like a chess game in the playing.....the black and white
6/11/23, 1:57 pm - +Smiley face: Yes, logic and illogic!
6/11/23, 1:57 pm - +Smiley face: How you siege your enemy?
6/11/23, 1:57 pm - +KL: Weiqi is 364! Possibility. Even AI only rank 15 to 16 . God level if I not wrong is 18
6/11/23, 1:58 pm - +Smiley face: What makes a player make the first step?
6/11/23, 1:58 pm - +KL: Not really logic if u incorp enemy but deception
6/11/23, 1:58 pm - +REACH: 📢 *Topic* 📢
6/11/23, 1:58 pm - +Frankie Wee: Global Ai different Ai they are competition
6/11/23, 1:58 pm - +Smiley face: 364 permutates in the order of 1209 matrix and more!
6/11/23, 1:58 pm - +Rama: Too good to be true offer so press link
6/11/23, 1:59 pm - +Smiley face: Yes
6/11/23, 1:59 pm - +Smiley face: The elders, the busy, the ignorant folks will make the FIRST step
6/11/23, 2:00 pm - +Smiley face: Complex vs simple digital transactions.
Followed by the steps....
6/11/23, 2:00 pm - +Rama: This message was deleted
6/11/23, 2:01 pm - +Rama: Agree
6/11/23, 2:01 pm - +Rama: Smooth convincing talker entices the ignorant.
6/11/23, 2:03 pm - +Smiley face: Analogue vs digital ways of cheating...?
6/11/23, 2:03 pm - +KL: Recently a lot scammer impersonate TTSH , NUH and SGH . They calling a number I use long ago wonder who leak these number ?
6/11/23, 2:03 pm - +Rama: Both
6/11/23, 2:04 pm - +Rama: 🤷♂️
6/11/23, 2:04 pm - +KL: So did gov check the outsourcing got any ppl selling information ?
6/11/23, 2:04 pm - +Rama: 🤷♂️
6/11/23, 2:05 pm - +Smiley face: How to protect?
Educate?
Or?
6/11/23, 2:05 pm - +Rama: If unwilling to educate for own good, accept the consequences!
6/11/23, 2:06 pm - +Frankie Wee: Go to senior committee centre they will helpful
6/11/23, 2:06 pm - +Frankie Wee: If they are mentally unstable
6/11/23, 2:06 pm - +Smiley face: Yes, one way...
Even the younger ones are scammed?
6/11/23, 2:07 pm - +Smiley face: Then how?
6/11/23, 2:07 pm - +Frankie Wee: Learn lesson they very young must educate future
6/11/23, 2:07 pm - +Smiley face: It's happening....?
6/11/23, 2:08 pm - +Rama: Yes
6/11/23, 2:08 pm - +Frankie Wee: Get doctor to Test them IQ and EQ level they not unstable then proof certificate of doctor. Mean he or she don’t know how to go home
6/11/23, 2:09 pm - +Rama: If residents cannot remember password, this even will not help
6/11/23, 2:09 pm - +Frankie Wee: True
6/11/23, 2:10 pm - +KL: I think best is get hard token . Alt a cost to the bank .
6/11/23, 2:10 pm - +Frankie Wee: I also lazy remember password alway usually digital locker with facials recognition or finger scan or key coin
6/11/23, 2:13 pm - +Frankie Wee: Elderly live alone whom can help them when they are turn 70 or 80 depending on conditions
6/11/23, 2:13 pm - +Rama: Exactly!?
6/11/23, 2:14 pm - +Frankie Wee: One day I will be alone when my wife pass away how can help me? Even my child has own life
6/11/23, 2:14 pm - +Frankie Wee: Someone caring do not trust
6/11/23, 2:15 pm - +Rama: Likewise but I have no kids although I am pro digital unlike my spouse so she should go before me to avoid being cheated
6/11/23, 2:15 pm - +Frankie Wee: Maybe HDB need to design new development environments room like the future
6/11/23, 2:30 pm - +Smiley face: "There may be no relief, but still we strive to keep our cause, our cherished goal alive."
- - Faiz Ahmed Faiz
6/11/23, 2:30 pm - +Rama: Yes
6/11/23, 3:09 pm - +REACH: *Dear Contributors*
We want to *HEAR MORE* from you!
💬 *What are views on the findings of the Digital Society Report? How can we better promote safe use of digital services and promote greater adoption especially by seniors?*
Megan 😊
6/11/23, 3:59 pm - +REACH: 📢 *Topic* 📢
6/11/23, 4:59 pm - +REACH: Foreign Affairs Minister Vivian Balakrishnan spells out the principles underpinning the Government's position on Israel-Hamas conflict
👉https://www.channelnewsasia.com/singapore/israel-hamas-conflict-stark-reminder-singapore-national-interests-stake-vivian-balakrishnan-3899991
6/11/23, 6:15 pm - +REACH: *Dear Contributors*
We want to *HEAR MORE* from you!
💬 *What are views on the findings of the Digital Society Report? How can we better promote safe use of digital services and promote greater adoption especially by seniors?*
Megan 😊
6/11/23, 6:15 pm - +REACH: <Media omitted>
6/11/23, 6:17 pm - ☸️ Danny 心:
1. The Singapore Digital Society report accurately reflect 2 phenonmenon:-
a. Seniors are open to using Digital means to access services, read online information and conduct digital transaction - as Senior Go Digital programme did a good job to mentor and coach seniors in using their handphone.
I notice many CCs still have digital ambassadors wearing purple setting up desk and chairs - to help seniors who encounter digital access problem or teach seniors how to use handphone to access services.
This is a good way to get seniors on board to ride the digital wave - and make their lives easier accessing many services offered through digital form.
2. But the biggest spoiler is the online scammers - that trick digital users to give up their online identity and steal away their life savings in bank accounts and CPF.
This is the biggest show-stopper and fear injected to the seniors and even well-informed young professionals in the use of digital tools to access digital services.
3. Even though shared responsibilities eg. banks and telcos are equally liabile to compensate users if lapse are found in the banking system, or through telcos - but users are often the less financially able to sustain the loss as well as methods exploited by scammers are beyond the comprehension of many unsuspecting users..
4. Hence to help seniors and even young users to gain confidence to use digital tools to access digital services --- the authentication and identity certification must be foolproof.
The current digital bank and CPF authencation to establish user identity are not foolproof --- relying solely on digital means - that can be intercepted, masqueraded or fool the banking and CPF into determining the users are legitimate users instead of the scammers that have stolen the users' identities.
Eg. of digital authentication method -- touted as 2FA or multi-FA are :-
a. userid, password, digital token, hard token, SMS OTP, passcode, email password/digital numeric code, even biometric such as IRIS, fingerprint, facial recognition, voice recognition etc.
As digital authentication need to be converted into digital form, it can be stolen through hacking, spoofing, man-in-the-middle-attack, malware, trick to supply the banking credentials through phishing links etc.
5. Hence, the need to establish the "Foolproof, Failsafe" authentication "out of the full digital authentication - which in fact is 1FA - as they are all in-band authentication that can be stolen by a compromise digital device" --- will be needed.
a. My propose solutions as discussed with the Minister and her Ministry officer has identified the following is thus essential to augment the digital inband authentication - with the "OOB - Out Of Band" authentication that is outside the digital authentication loop - that cannot be stolen and can unambigiously identify the bank users as the legitimate users.
b. Specifically, the OOB authentication are :-
i. Digital In (Inband), Physical Out (Outband)
ii. OOB Authentication (Various local banks will adopt their own different variants to augment the inband digital authentication).
iii. Malware detection Bank Apps (started by OCBC mobile apps, adopted by Citibank, DBS, UOB)
iv. "Money lock" - a separate account to achieve all the above - for a large part of the savings to be set aside - as online scammers won't have access to through digital means - and hence safeguarding the life savings set aside.
c. Note:- the above measures will introduce some inconveniences to bank users and CPF users --- but it is the biggest, FAILSAFE and FOOLPROOF safeguard to protect digital bank users savings - as well as inject confidence to digital users --- that online scammers will be very difficult to scam the online digital users.
6/11/23, 6:23 pm - ☸️ Danny 心:
1. Without a FOOLPROOF and FAILSAFE authentication system to verify the REAL IDENTITY of the digital users ------ coaxing seniors or even young people to rely on digital access to perform financial transaction will be very difficult - as the people life savings are in peril.
2. Hence, it is imperative for MAS to has ABS and its bank members to hasten the process of OOB authentication with "Money Lock" - to regain digital users in digital banking and financial transaction.
6/11/23, 6:27 pm - ☸️ Danny 心:
1. Having say so, most important, Government, MAS and ABS (Association Bank of Singapore) - must implement ways to safeguard the life savings and CPF of retiree, working people and those unemployed with savings ---- as many rely on their life savings to sustain their retirement --- and not let their life savings and CPF get scammed by scammers.
2. It sounds good to increase the salaries of workers but no use - when their life savings got scammed away by unscrupulous and heartless scammers.
3. Hence it is imperative for MAS to coax ABS (Association Bank of Singapore) to hasten their pace of implementing anti-scam measures, anti-malware measures to safeguard Singaporeans and Singapore residents bank accounts and CPF - against the scammers.
https://www.mas.gov.sg/news/media-releases/2023/csap-2023
_MAS' Cyber Security Advisory Panel Proposes Ways to Tackle Mobile Malware Scams and Generative AI Risks for the Financial Sector_
6/11/23, 6:27 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 6:27 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 6:27 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 6:27 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 6:27 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 6:27 pm - ☸️ Danny 心: <Media omitted>
6/11/23, 6:34 pm - ☸️ Danny 心:
1. Agree that terrorism, taking hostages, killing innocent people cannot be tolerated - and the right of self defence to bring perpetrators into justice.
2. The right of self defence must be proportional and not jeopardize innocent civilians lives.
3. Support the right of existence of both Israel and Palestine - and hence 2 State solution - is the only feasible solution to secure permanent lasting peace.
6/11/23, 6:35 pm - +Rama: There is no such thing as Palestine in human history. Palestinian have to live under Jewish authority and protection.
6/11/23, 6:38 pm - ☸️ Danny 心:
1. Provided Palestinians agree to the arrangement.
2. Provided Israel take care of Palestinians as one of their citizen with equal opportunities like the Israelis.
3. Else only a 2 State solution is the only feasible solution.
6/11/23, 6:41 pm - +Rama: 1. They have no choice due to current terrorism running the gaza strip. The inability of the Palestinian authority to unite all under their government. Still, they must be subjected to Jewish authority.
2. Definitely possible.
3. The land is Jewish by ancestry as Palestinian only came here much later than the Jewish people. Accept and move on!
6/11/23, 6:43 pm - ☸️ Danny 心:
Well actually, these are other countries historical problem.
I not so eager to propose a solution for them.
They have to work it out for peace - and not trigger instability to the World.
6/11/23, 6:44 pm - +Rama: The blind is leading the blind so can't avoid.
6/11/23, 6:45 pm - +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 😊
6/11/23, 6:47 pm - +Umar M: I think you need a history lesson.
6/11/23, 6:47 pm - +Rama: I beg to differ
6/11/23, 6:47 pm - +Umar M: Then we agree to disagree like adults.
6/11/23, 6:48 pm - +Rama: Exactly
6/11/23, 6:48 pm - +Umar M: I agree with your on many other points on many other topics too so I’m glad we can always discuss. 👍🏻👍🏻
6/11/23, 6:48 pm - +Rama: Yeah
6/11/23, 6:49 pm - ☸️ Danny 心:
1. Without a FOOLPROOF and FAILSAFE authentication system to verify the REAL IDENTITY of the digital users ------ coaxing seniors or even young people to rely on digital access to perform financial transaction will be very difficult - as the people life savings are in peril.
2. Hence, it is imperative for MAS to has ABS and its bank members to hasten the process of OOB authentication with "Money Lock" - to regain digital users in digital banking and financial transaction.
----
1. Next banking system and financial system - must be fully redundant, fully resilient --- and can only be achieved by a "Active-Active Data Centre" architecture design - an almost "Zero downtime".
2. Redundant or resilient system through "Active-Backup Data Centre" architecture design - cannot guarante an almost "Zero downtime".
3. An Active-Active DC design - has no concept of failure recovery - because Active-Active won't fail - even if the primary DC is on fire, bomb or power completely loss --- because a secondary DC will just take over the load and run --- whereby users don't even know that the primary DC go down completely.
4. Some bigger countries or bigger banks have more than 2 DCs - 3 or more --- and there are no concept of failure - unless the whole Country is in war - Force Majuere - whereby all the DCs are being bombed at the same time and the Internet is completely cut off.
But Internet is bomb proof - design to withstand even a nuclear attack - as Internet routing can reroute in multiple ways when 1 path is unavailable.
5. It is this pretext that I say --- rightfully banking system -- is fully Active-Active - and should even be bomb proof --- "military-grade resiliency" - self-healing.
6/11/23, 6:57 pm - ☸️ Danny 心:
Hence it surprise me, why a banking services can fail,🤔
6/11/23, 6:58 pm - +Smiley face: No failures, No success...
6/11/23, 7:00 pm - +Smiley face: 6 November, 2023
"The ABC and the Piggy Bank"
"Basic Instincts? The clouds of fearfulness are covering many people minds and doubts when dealing with anything that is unfamiliar to them. In this unavoidable digital generation, either you adapt and adopt the digital ways of transacting the daily needs or you will find that sooner than later you will have to learn it and just have to do it! And who are these doubtful folks? The elders, the vulnerables, the scammed victims, and up to 10% of the population!"
- - anonymity
Back to Basics?
There will always be challenges in transiting from lold ways into the new methods of doing. Perhaps to resolve all of these disruptions from Digitisation is to design at the "front of things", a simplest platform for those whom are not digital and technology savvy people to start trying it out and over time gained confidence in deciding to device more dependancy towards a full digitalisation way of living.
Mechanisms?
So what are the ABC in the simplest format? You choose up to three conveniences of life that you always need to fulfill whether is to pay the monthly utilities, paying your groceries or your phone bills. Limit the amount of money for each of these three to five transactions to avoid over paying or scamming. In a simple description of such ABC can be calied a E-Purse or E-Wallet that will protect individuals from over spending or being victims of "pick-pocket" in this "fast and furious" world of digital money.
Intermediary?
Bank, in particular, shall advice all clients to park their money into an E-Purse/Wallet to reduce the risk of scam. In the event of scam, the lost amount will be minimised. The rest of the bigger sum of money will be inside the "piggy bank" whether in fixed deposits or other interest earnings investment with capital-protection offered by bank. One win-win approach is for bank to incentivise it's customers by doing so and reinvest the excess money by offering a token advantage to do so.
Incentives?
No losees and no losers; the bank and the customers! It adds up to the efficiency of fund use, better returns for the customers and the banks and the least pain deriving from cheatings and scammimgs.
Payor and Payee and Intermediary?
In the simple case of paying utilities bill, the individual, Utilities supplier. The payor and the bank will redesign a 'fool & scam' proof App in Three easy steps in simplest chinese or english instructions to complete a payment. Likewise for all other payments system too.
"There may be no relief, but still we strive to keep our cause, our cherished goal alive."
- - Faiz Ahmed Faiz
Partition?
Let's starts and redesign all of it in a simple and non confusing steps, the least steps to complete a transaction shall win over the millions of users and thus the roadmap into the future of a digital world of living and transactions.
- - in progress - -
6/11/23, 7:00 pm - +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 😊
6/11/23, 7:01 pm - ~ REACH Singapore changed this group's settings to allow only admins to send messages to this group
===
No comments:
Post a Comment