Apple Savings Account

Apple’s Foray into fintech  Financial technology, often known as fintech, has evolved significantly over the years. Traditional financial institutions have already incorporated technology into their services, while digital firms such as Wise and Coinbase have developed inventive alternatives to our conventional ways. Individuals are  also beginning to diversify the way they handle their finances and […]

Shining a Light on Investing in Solar: Why It’s a Bright Idea for Your Portfolio

Introduction  Interest in renewable energy, such as wind and solar, has been growing since society has become more aware of climate change. However, the recent energy crisis in Europe has accelerated the adoption to some extent.  The rationale was that critical energy transportation links carrying gas to Europe, which they had heavily relied on, were […]

Could Debt Forgiveness alleviate Malaysia’s Student Debt Crisis?

Introduction   As Malaysia approaches high-income status, local tertiary education is becoming increasingly crucial in enabling Malaysians to secure high-paying jobs. Unfortunately, today’s rising demand for tertiary education has also left graduating students with a growing mountain of debt. According to a 2019 report by the Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN), about half of […]

SVB Banking Crisis – FLYouths Research

Silicon Valley Bank (SVB), the 16th largest bank in America, is now the most recent major bank to collapse since the 2008 Financial Crisis second only to Washington Mutual Inc. Last Friday on 10th March, Federal Deposit Insurance Corp (FDIC) took over SVB, transferring all of their deposits to an entity they set up: Deposit […]

Digital Finance in a nutshell, and where Malaysia stands

Malaysia’s Budget 2023 plans towards digitising our industries, particularly digital finance Based on Budget 2023 tabled on 28 October 2022, there are a few touchpoints that will help expand digital financial services in Malaysia, powering inclusive growth in the digital economy. Firstly, a service tax exemption was proposed for online banking or financial services and […]

Everything you need to know about “Sustainable Finance”

What is ‘sustainable finance’? Sustainable finance is any form of financial activities and processes in the financial sectors that takes Environment, Social and Governance (ESG) into consideration. Environmental factors – Involves climate change mitigation and adaptation, the environment in general, such as biodiversity preservation, pollution avoidance, and the circular economy. Social factors – Comprises issues […]

The Circular Economy – is it a viable step for Malaysian waste management?

Circular economy and cyclical waste The circular economy is a production and consumption framework that promotes the reuse, refurbishment, and recycling of existing resources and goods, thus extending the product life cycle as long as possible (European Parliament, 2015). When a product approaches the end of its life, its materials are recycled wherever possible to […]

Inside the Buy Now Pay Later industry with myIOU

Introduction The luxury of not paying immediately was once reserved for credit card holders But now there are new kids on the block as Buy Now Pay Later (BNPL) services have expanded access to financial flexibility to a wider and bigger audience.   BNPL services as a whole have certainly caused a whirlwind worldwide as it […]

The Importance of Financial Inclusion

Medium, small, and micro enterprises (MSMEs) make up 99% of total business in Malaysia. MSMEs also employ north of 7 million people, or, a staggering 65% of the employed population.    To quote SME Corporation Malaysia’s definition, “it refers to firms with sales turnover not exceeding RM20 million OR number of full-time employees not exceeding […]

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