1. Orientation to PADLET web tool — 5 mins

2. Recap on the challenges; share & discuss — 5 mins

3. TOPIC 1  — 15 mins

4. TOPIC 2 — 15 mins

5. WRAP UP BY 12.30 PM — Thank You!

the teenagers! we always miss them out. 

Define the issue: post O levels when they start off in JC/Poly/tertiary, they start having some form of increased  earnings/spending. Can we help guide them on proper financial habits? budgetting, saving, investing and finally the last action of spending

Define the context: education and guidance through our apps, similar to nav planning but at their stage in life 

Lower segment of the society to enable their children to continue with their online education

Define the issue:

With COVID-19, the schools have been shut for more 6 months and have moved to online teaching. These people do not have access to laptops or good quality network bandwidth to enable them on online education.

Define the context:

How might we ensure that nobody gets left behind in our digital transformation journey.

Define the context:

carbon footprint through things we buy and consume

Define the issue:

the lack of awareness of the carbon footprint in the different steps and stages of producing the item you are buying for consumption

Define the context:

People who are in debt due to overspending

Define the issue:

How might we enable customers cultivate the correct habits to better deal with their funds

Define the context:

People who need money now, but are a good credit risk later

Define the issue:

Collect funds (e.g., excess interest, donations) that can be used to cover losses on portfolios of loans targeted to people who would be a great credit risk in the future based on their habits, but are in a bad place now

Define the context:

A small group of responsible people could really fix their life if they could borrow now, but they do not have the financial strength now.  However they do have the values and behaviours that make them good people/good credit risks over a lifetime.  If you take care of them, they might donate much later in life

Construction

Define the issue:

Design buildings for the eventual teardown and replacement (Singapore).  DBS to encourage through loans to builders who build sustainable buildings

Define the context:

In Singapore, buildings are torn down and replaced after 30-50 years.  Can we encourage buildings designed for reuse or repurposing of old used building materials?

Wealth Management clients

Define the issue:

Create better environment

Define the context:

Green deposit campaign to invite customers to join to create better environment such as planting trees if they joined the deposit campaign.

e-Waste (planet)

Define the issue:

Reduce technology waste

Define the context:

We replace devices and laptops due to innovation (new features) and performance (slow down).  Can we procure from manufacturers who design for easy upgrades (just change a part, reset), flexibility, and longevity