The Employees Provident Fund (EPF) is Malaysia’s national private-sector pension program. It has grown into one of the largest pension funds in the world. The success of the EPF and Malaysia as a whole have brought new challenges. As life expectancy increases and the population ages, how can the EPF ensure adequate pension coverage and take care of Malaysians’ increasing retirement needs? As technology replaces the need for branches and customer-facing .....more

Teaching note for product W28667.

Teaching note for product W25332.

Finbook Pte. Ltd. (FinBook), a financial technology (fintech) start-up, started in July 2017 in Singapore as a decentralized marketplace for structured products on the blockchain. The founders obtained seed funding of approximately US$200,000 that allowed it to introduce and incorporate structured funds, short sales, and financial options in the crypto space using smart contracts under the distributed ledger system.<br><br>In May 2018, .....more

Teaching note for product 9B20M119.

In 2018, the Singapore-based real estate agency OrangeTee launched a new, online platform in response to disruptive innovation in the real estate sector. Property Agents Review allowed clients to rate and review OrangeTee’s agents upon the completion of a real estate transaction. After a hard-fought campaign to overcome initial resistance to the idea, agents credited the new platform with an increase in referrals. OrangeTee proudly championed Property .....more

Teaching note for product 9B15N001.

Teaching note for product 9B12M039.

This case is about an ambitious “technopreneur” with ideas that were at the forefront of technology, such as in enterprise resource planning (ERP) systems. Compassion Web had been successful initially, then swamped with challenges, and the original business model needed major changes in order to work in the fast-changing environment. At the same time, the company was facing a lawsuit with a major client, which could threaten its survival. To make .....more

The Singaporean software company Lan-Ray attempted to enter the prepaid cash card (PCC) business in China. Equity funds were sourced to acquire Protection Communications Network (PCN), a payment intermediary in Quanzhou, China, with a vast payment network that could be instrumental to the success of the PCC business. However, PCN would need to demonstrate profitability before it could obtain the licence to run the PCC business.<br><br>Together, .....more