#DBS Bank customer reviews

[bankqualitysg]

When it comes to banking in Singapore, DBS Bank is a household name. Known for its technological innovations and broad range of services, it's often seen as a leader in the banking sector.  

DBS Bank Review: DBS Bank excels in digital banking with a highly rated mobile app and a wide range of online services that streamline financial management. 

While it offers competitive loan rates and credit products, customers often find its fees, especially for foreign transactions and ATM withdrawals, to be a downside. 

DBS Bank Customer Review: Customer service experiences are mixed, with some praising fast resolutions, while others report long wait times, particularly for complex issues.  

What DBS Bank Does Right 

DBS boasts one of its strongest assets - the digital banking experience. The bank has clearly invested heavily in its mobile app and online platforms. Most users are in agreement that the DBS Bank app is intuitive, fast, and generally easy to use. Be it checking your balance, transferring money, or managing your investments, this app's smooth interface makes it a breeze. For those who have had their fair share of visiting the bank physically, DBS is one of the best in Singapore for digital banking.  

Where DBS Bank Falls Short 

One of the biggest complaints from customers is the fees charged by the bank - while a lot of services are free, some can be charging excess fees like account maintenance fees for certain accounts and foreign transaction fees that appear exorbitant to some users. Moreover, withdrawing cash from ATMs outside the DBS network may leave a user quite shocked due to the imposed fees. 

Some customers having reviewed DBS Bank have issues with customer service, especially on more complicated issues. There are many satisfied customers: however, others have shared tales of patient waiting both online and, in the bank, especially when it comes to more technical concerns or account-specific issues. Such issues often take more time than expected to solve or resolve. 

DBS Bank Customer Review: A Mixed Experience 

Crawling through DBS Bank customer reviews clearly indicates a number of serious hits the bank has made with the clients, but this is not to say that all the clients were satisfied. While most of the customers rave about an easy-to-use app and an amazing range of features available, others complain about high and sometimes slow responses from customer service. For some, fewer physical branches in combination with waiting for responses can be groundbreaking. 

DBS Bank is a great alternative for cashless banking, but conditioned customers must also bear the cost of such freedom. Not the best in the world, mind you. Fees and rather slack service can be quite a turn-off for some. This is why weighing up the good against the bad suited to your own banking requirements would be advisable before embarking on investment. 

When it comes to banking in Singapore, DBS Bank is a household name. Known for its technological innovations and broad range of services, it's often seen as a leader in the banking sector.  

DBS Bank Review: DBS Bank excels in digital banking with a highly rated mobile app and a wide range of online services that streamline financial management. 

While it offers competitive loan rates and credit products, customers often find its fees, especially for foreign transactions and ATM withdrawals, to be a downside. 

DBS Bank Customer Review: Customer service experiences are mixed, with some praising fast resolutions, while others report long wait times, particularly for complex issues.  

What DBS Bank Does Right 

DBS boasts one of its strongest assets - the digital banking experience. The bank has clearly invested heavily in its mobile app and online platforms. Most users are in agreement that the DBS Bank app is intuitive, fast, and generally easy to use. Be it checking your balance, transferring money, or managing your investments, this app's smooth interface makes it a breeze. For those who have had their fair share of visiting the bank physically, DBS is one of the best in Singapore for digital banking.  

Where DBS Bank Falls Short 

One of the biggest complaints from customers is the fees charged by the bank - while a lot of services are free, some can be charging excess fees like account maintenance fees for certain accounts and foreign transaction fees that appear exorbitant to some users. Moreover, withdrawing cash from ATMs outside the DBS network may leave a user quite shocked due to the imposed fees. 

Some customers having reviewed DBS Bank have issues with customer service, especially on more complicated issues. There are many satisfied customers: however, others have shared tales of patient waiting both online and, in the bank, especially when it comes to more technical concerns or account-specific issues. Such issues often take more time than expected to solve or resolve. 

DBS Bank Customer Review: A Mixed Experience 

Crawling through DBS Bank customer reviews clearly indicates a number of serious hits the bank has made with the clients, but this is not to say that all the clients were satisfied. While most of the customers rave about an easy-to-use app and an amazing range of features available, others complain about high and sometimes slow responses from customer service. For some, fewer physical branches in combination with waiting for responses can be groundbreaking. 

DBS Bank is a great alternative for cashless banking, but conditioned customers must also bear the cost of such freedom. Not the best in the world, mind you. Fees and rather slack service can be quite a turn-off for some. This is why weighing up the good against the bad suited to your own banking requirements would be advisable before embarking on investment. 

[ailtrahq]

The fight against crypto-related money laundering continues as Singaporean Authorities probe suspected channels. According to a September 21 Bloomberg report, Singapore banks have extended ongoing money laundering investigations to clients of Chinese origin. Amid the probe, they have frozen and seized $1.8 million in crypto assets, cash, and properties since August. Singaporean Banks Heighten Scrutiny On Overseas Clients’ Accounts As part of Singapore’s fight against money laundering, banks scrutinize new account openings and transactions with Chinese-born clients. They want to identify those still holding digital currencies or involved in money laundering activities.  Meanwhile, one of the banks plans to close some accounts belonging to clients from Turkey, Cyprus, Cambodia, Dominica, and Vanuatu. Also, other banks have begun a case-by-case review of accounts belonging to citizens of other countries and blocking funds from such customers. These investigations affected 10 affluent Chinese individuals whom the police arrested and charged with money laundering violations. The Singaporean police said they confiscated these persons’ properties, cash, and cryptocurrencies. According to police investigations, these Chinese persons live in Singapore and allegedly operate illegal gambling businesses there.  The news of the crime and arrests have obscured Singapore’s reputation as a financial hub. Banks with such clients include Julius Baer Group, Credit Suisse, Citigroup Inc., United Overseas Bank, and Overseas-Chinese Banking.  A spokesperson for the DBS Group Holdings, a Singapore-based stock exchange, commented on the development. He acknowledged that Singapore’s regulatory guidelines mandate all banks to implement anti-money laundering risks to high standards. However, the regulation does not oblige them to deny banking services to clients of specific origin or holding certain passports. The spokesperson stressed that besides a client’s origin, other risk factors must trigger suspicion or enforcement action. The daily chart shows the crypto market’s total cap at $1.036 trillion. | Source: TOTAL chart from TradingView.com Singapore’s Strict Crypto Scrutiny Singapore has taken a hawkish stance on crypto regulation since this year. Bloomberg reported on April 5, citing sources familiar with the matter, that Singapore’s central bank allied with the police to help banks set standard vetting approaches for opening crypto accounts. Also, in July, the country’s Monetary Authority (MAS) imposed a ban on lending and staking of cryptocurrency by exchanges. The regulator cited concerns regarding the safety of customers’ funds as the reason for its decision.  Nonetheless, while the country maintains its heightened scrutiny, it has moved further in setting cryptocurrency guidelines. RheMAS has released 190 Major Payment Institution licenses to firms to participate in its interbank payment system tagged Fast and Secure Transfers (FAST). About eleven (11) crypto assets payment firms, including Ripple, were among the companies that received the licenses. On June 22, Ripple announced that its Singaporean arm, Ripple Markets APAC Pte Ltd, secured in-principle approval for the Major Payment Institution license from MAS.  Meanwhile, the license issuance attracted criticism. A letter published in the Financial Times accused MAS of unwisely linking virtual assets payment to retail bank deposits by allowing crypto firms to access Singafore’s FAST payment system. However, MAS said it only awards licenses to crypto payment firms with robust anti-money laundering rules. Source

[bankqualityreview]

Search For Citi Bank Reviews On Bankquality

You intend to open your bank account at Citi Bank, but do you have questions unanswered simultaneously? When you are here to unlock the record, your workers may be fantastic, but in the weeks ahead they can be powerless and useless. Why not encourage the feedback to fix the issue. Banking Citi Bank feedback will allow you to pick the best thing for you.

The most accurate stage of bank reviews for 2020 is BankQuality and they encourage you to write one that the world recognises. We have worldwide banks. We have banks. Banks from numerous regions including Asia, Africa and the Middle East are integrated on the site. BankQuality is for not only banks but also digital wallet and other financial services licences.

BankQuality delivers traditional search boundaries and helps you to select the correct one. They will all add their evaluations and feedback on the website, whether they're positive or poor. You can review the Citi bank's service scores and pick whether or not they meet the specifications.

You can connect to the platform for Citi Bank reviews by reading Citi Bank reviews on the platform. The branches of the bank are specified by country and their portals are accessible in each region.

The bank feedback on the platform helped us to carry the 2020 ranking of the bank to the public with ease. Bank ratings 2020 would make it easy for people to pick the best bank quicker so they will benefit about the most well-rated banks' analysis. This helps you locate a bank even easier than it would have been.

About Citi Bank It was founded in New York City and was the first national bank in New York City. It's now a worldwide bank distributed across 19 countries. The saving accounts of Citibank allow customers not only to do basic banking but also to earn interest at 3.5% p.a. Who is constantly cared for? The bank gives the client a free debit card, loyalty points and other perks along with favourable interest rates.

The Citi Bank reviews in BankQuality is a true and exact word for word. The model helps the user to equally compare and analyse the divisions.

You can also register and re-open for bank feedback to help you get an insight into the banks and see if your bank is the best bank to use.

[heroscarpetcleanstevenage1-blog]

Heros CarpetClean Stevenage

If you are searching for the best carpet cleaning service in the Stevenage area whether domestic, commercial, home or office and you are not sure who to trust, then give Heros CarpetClean Stevenage a call. If you want a recommended first-class professional carpet cleaner in near you that takes care of your carpets and is a safe clean with maximum experience from the cleaning technicians with high qualifications and guarantees. Then contact us today because we stand out above the rest of the carpet cleaning companies.

If you're looking for a carpet cleaning service that cleans your carpet and helps you to protect the environment then you've come to the right place. As an independent cleaning company with over 20 years of experience in the carpet, rug and upholstery cleaning business, we are passionate about providing an excellent service. All my equipment 100%  approved by manufacturers and we personally guarantee we will not leave your home until you are 100% perfectly happy with the results!

The company has chosen to only use organic carpet cleaning products where possible. You will be really happy with our products that will remove bacteria and mites without causing harm to pets, children or asthmatics and unlike many detergents, because organic products are pH neutral, your carpet does not re-soil with wear.

These amazing natural power organic cleaning solutions and products won't damage even natural wool carpets... Keep your carpets cleaner for longer and you can feel reassured your manufacturer's warranty stays intact with regular cleaning of your flooring and furnishings. We want you to always return to our services so take a look at the many five-star reviews we have online that we have already received from satisfied customers.

As well as delivering a great carpet cleaning service, we believe it's important that you know who's coming into your property before they arrive so we would like to take a minute to tell you a little more about us and our team and why you should choose your carpet cleaner carefully. Now we have to be honest with you, we're not going to be the cheapest carpet cleaner that you could call so if a quality of service and workmanship is more important than a cheap price you will see that we have thousands of delighted clients in the area and you'll see their recent reviews on our website.

You could also be assured that all of our team have been fully vetted and DBS/ CBR checked with nothing to hide. What that means is we've certified to work in secure sites such as banks, prisons, secure hospitals and other institutions like that. All our background checks are available to you if you wish to see them.

Now we're not like some cleaners who may pressurise you to leave them a positive review before you've even left the house. You see the carpet hasn't dried fully so you can't fully assess the real final result of what potentially is a quick cheap clean. They may look great whilst they're damp but it's as it dries the deep soils and stains may wick back up the fibres leaving the carpet looking no better and potentially even worse than before they started. What we want is to earn your genuine feedback once the areas have dried and you've had a chance to inspect them properly that's why we leave you a brief questionnaire and a free post envelope to return it back in or you can call us at any time to give us your feedback.

Company Name: Heros CarpetClean Stevenage

Address: 42 Skegness Rd, Stevenage SG1 2HS

Phone Number: 01438 540100

URL: https://www.heroscarpetcleanstevenage.co.uk

Find us on Google Maps: https://www.google.com/maps?cid=15238718005877070444

Social Accounts -

https://www.facebook.com/Heros-Carpet-Clean-Stevenage-100169955081260/

https://www.pinterest.com/heroscarpetcleanstevenage

https://www.reddit.com/user/carpetcleanstevenage

https://heroscarpetcleanstevenage.tumblr.com

Hours -

Monday 8am–8pm

Tuesday 8am–8pm

Wednesday 8am–8pm

Thursday 8am–8pm

Friday 8am–8pm

Saturday 10:30am–6:30pm

Sunday 10:30am–5:30pm

[petnews2day]

As home loan rates rise in Singapore, how can home owners find ways to save?

New Post has been published on https://petnews2day.com/pet-industry-news/pet-financial-news/as-home-loan-rates-rise-in-singapore-how-can-home-owners-find-ways-to-save/

As home loan rates rise in Singapore, how can home owners find ways to save?

Buffer before you suffer

You may have heard this advice many times: Build an emergency fund with at least six months’ worth of expenses.

But Ms Evy Wee, head of Financial Planning, Investments and Insurance Solutions, DBS Bank, recommends those with financial commitments like a home loan to have more as a buffer.

“Regardless of interest rate trends or choice of home loan packages, we strongly advise borrowers to set aside sufficient funds as a buffer in case of further interest rate hikes or any unforeseen circumstances,” she says.

“Ideally, one should also set aside savings in cash or liquid assets that can be used to pay for their monthly home loan instalments for the next two years,” says Ms Wee.

This would give you sufficient time to restructure your loan if needed, or even sell the property should you run into any financial issues.

To better fight inflation, Ms Wee encourages people to leverage higher interest-yielding savings tools. She gives the examples of the bank’s savings accounts like the POSB Save-As-You-Earn and DBS Multiplier, as well as options like the Singapore Savings Bonds (SSB), endowment insurance plans or money market funds.

Individuals should also proactively review their expenses and financial goals regularly, and set up a holistic financial plan that includes a diversified portfolio.

Those who are DBS or POSB customers can make use of the DBS NAV Planner, the bank’s digital financial and retirement advisory tool. Through the NAV Planner, they can put together a customised budget with saving and spending targets.

The advisory tool, powered by artificial intelligence, also helps to identify and close insurance and investing gaps, or even project income flows.

This is the third of a four-part series titled “Win the race against inflation”, in partnership with

[heartpiner]

Windows app aviation exam

#Windows app aviation exam manuals#

#Windows app aviation exam android#

The size of the official ECQB (European Central Question Bank) as maintained by EASA is in the range of 10.000 - 12.000 questions. Additional expertise in various subjects (technical and operational) is provided by active airline pilots. Aviationexam employs the staff of experts on the EASA ECQB (European Central Question Bank). SOLID COMPANY WITH HISTORY of 15+ years in the business of pilot exam test prep. Our test prep system will not leave you stranded right before your exams! Excellent system uptime statistics are achieved through the use of robust hardware architecture multiple backup systems and a high-bandwidth server connectivity. SYSTEM RELIABILITY is always among our top priorities.

#Windows app aviation exam manuals#

Library featuring free high quality study books, manuals and handbooks.ĬUSTOMER SUPPORT is provided in a timely and effective way.Sequential functions to make sure you cover every single question.Mark questions for later review or set various question flags.Search for specific keywords in questions and answers.Unbeatable statistics, reports and progress monitoring.Discuss specific questions with other students.Built-in navigation computers (CR-3 and E6B).Make private notes for specific questions.Use the built-in cloud feature to keep your studies in sync across all your devices and computers.

#Windows app aviation exam android#

MULTI-PLATFORM CAPABILITY allows our customers to use ONLINE system together with our applications (iOS, OS X, Android and Windows), which do not need a constant Internet connection (full OFFLINE use capability). Our database offers the possibility to select a reduced DB version for a quick last-minute brush-up or the standard and exhaustive versions for a more extensive coverage of the official EASA syllabus topics. Passing your EASA exams will be easier with the help of our test prep products. DETAILED EXPLANATIONS provided for all EASA exam preparation questions, many supplemented with pictures.įREQUENT UPDATES ensure a precise representation of the current EASA ECQB question banks.ĬOMPETENCY LEVELS and license types are covered by our question bank – apply filters to show only the questions relevant to your exam type (e.g.

[bankqualitysg]

Unveiling Bank Quality Ratings: A Customer Review of DBS Bank

In an era where banking choices are plentiful, finding a financial institution that aligns with your values and meets your needs can feel like navigating a labyrinth. Amidst this maze, Bank Quality Ratings serve as guiding lights, shedding insight into the performance and reliability of various institutions. As a discerning customer, I recently embarked on a journey to explore DBS Bank through the lens of its quality ratings and customer reviews.

Understanding Bank Quality Ratings

Before delving into my personal experience with DBS Bank, it's crucial to grasp the significance of bank quality ratings. These ratings, often provided by independent agencies, evaluate factors such as financial stability, customer service, product offerings, and technological innovation. They offer a comprehensive view of a bank's performance, aiding consumers in making informed decisions.

DBS Bank: A Closer Look

DBS Bank, headquartered in Singapore, is renowned for its progressive approach to banking and innovative digital solutions. Armed with this knowledge, I set out to uncover how DBS fares in the realm of bank quality ratings and real-life customer experiences.

Bank Quality Ratings

DBS Bank has consistently garnered accolades for its stellar performance in various quality rating assessments. Leading rating agencies such as Moody's, Standard & Poor's, and Fitch Ratings have awarded DBS with high marks for financial strength and stability. These ratings provide assurance to customers, reaffirming DBS's position as a trusted banking partner.

Customer Review

Venturing beyond the realm of numbers and ratings, I immersed myself in customer reviews to gain firsthand insights into DBS Bank's service quality. Across various platforms, customers lauded DBS for its user-friendly digital banking platforms, efficient customer service, and innovative product offerings. Many highlighted the convenience of DBS's mobile banking app, citing its intuitive interface and robust features.

Conclusion

In conclusion, my exploration of DBS Bank through the lens of bank quality ratings and customer reviews has been illuminating. With top-notch ratings affirming its financial strength and a plethora of positive customer experiences underscoring its commitment to excellence, DBS emerges as a standout institution in the banking landscape. For individuals seeking a reliable, innovative, and customer-centric banking partner, DBS Bank undoubtedly warrants consideration.

Visit Us:- https://www.bankquality.com/

[bitcofun]

Source: Adobe Stock The crypto market has actually simply included $50 billion in a lightening-fast healing from what some market watchers were fearing may be the start of the next leg down in a reviewing of the year's lows. But what lags this significant pump in costs throughout the crypto complex? A variety of elements can be seen to have actually come together. First there's the deleveraging occasions that appear to have actually run their course and there might disappear dominoes to fall. After Terra, Voyager, Celsius and Three Arrows Capital, no more shoes have actually fallen, as. Top crypto costs were flashing oversold, whales are building up Secondly sellers might have tired themselves, with significant coins such as bitcoin in oversold positions. We can contribute to that a 3rd and associated element, which is whales are wanting to use up brand-new positions in the belief that we are at or near to the bottom for the crypto market. 1k bitcoin whales have actually been dispersing to exchanges in the wake of the Luna collapse (more on Luna listed below)-- the chart listed below from Glassnode demonstrates how whale circulation lines up with regional tops. Source: Glassnode Fourthly, we require to take into consideration the scenario with other possession classes and the macro environment, and this background music might be the trigger for today's excellent upturn. Although there was no declaration from Fed chairman Jay Powell that he was going to decrease on raising rate of interest, there were indicators from somewhere else that the gloom was being exaggerated in equity markets. In China, for instance, manufacturer cost inflation information can be found in much better than anticipated and hopes of more stimulus were increased. In Europe gas rates fell on hopes of a palliative emerging from European policymakers today. That caused a fall in bond costs, although oil was up therefore too was gold. Normally great vibes in the stock market have actually fed through into other danger properties-- and crypto is the supreme danger possession Dollar weak point highlighted the threat possession bulls But it was the fall in the dollar that might be the most considerable catalyzer these days's bullish occasions. As the Bloomberg chart recreated listed below programs, the unfavorable connection of crypto v the dollar is substantial: Source: Bloomberg A 5th aspect must be brought into the mix, which is the views and actions of banks. News emerged over night that Franklin Templeton will offering its institutional customers with crypto accounts. Earlier in the week Singapore's biggest bank, DBS, stated it would be supplying digital possession services and trading to its wealthiest 300,000 customers. Whompoa Group did the same a couple of days later on. And all this follows on from the enormous news that the world's biggest possession supervisor, BlackRock, was moving into crypto on behalf of its customers. Why the Ethereum Merge is a video game changer for the crypto complex A 6th and last favorable to bring into the mix is the Ethereum Merge. Ethereum can fairly be thought about the premier industrial network of the crypto property class. It is about to begin out on the roadway to an endpoint that will make it really scalable and affordable for services to negotiate upon and run commercial scale applications. We might contribute to that a support of our 5th factor, institutional interest, due to the fact that the Ethereum Merge might cause a liftoff in staking interest from financial investment bank and others All of the above might have notified the thinking of the similarity billionaire Sam Bankman-Fried, the creator of the hugely effective FTX crypto exchange. He informed CNBC today that the worst is extremely most likely over. "The genuine discomfort, I believe, came 3 to 4 months back. We do not always predict more discomfort from here. Things have actually quite supported in the area," states Bankman-Fried.

If you missed it, here's a few of crypto costs that are buzzing All the significant coins are greater. Bitcoin is up 9% at simply over $21 k in an effective rise off the week's lows of $18,660 Ethereum which was anticipated to continue its excellent kind on the back of the Merge upgrade, came off the boil, however it too has actually uncovered its mojo. The leading clever agreement platform is trading 5% greater at $1,724 Aside from the leading coins, there have actually been unexpected advances in other quarters too. LUNA pumps-- what's going on and will it last? Crypto traders have actually been cheering the uptrend of Terra Classic which has actually enhanced 64% today alone and almost 400% over the past 30 days. That run has actually reversed somewhat today as LUNC is down 12% to $0.000445 Remarkably it is Terra 2.0 (LUNA), the refashioned variation of the collapsed Terra Luna - which some deride as Do Kwon's rip-off-- that is now suffering. Terra raced ahead by more than 200%, as we reported earlier today, in a relocation that has actually impressed skilled market observers and beginners alike. As constantly with such violent cost relocations, there are charges of control in the air. Twitter crypto influencer Fat Man believes a dump is going, so purchasers going into now may be captured out: Also there is highly bullish action in the BTC continuous futures market, which Kaiko expert Riyad Carey has actually astutely brought our attention to: Crypto cost action recommends factors to be joyful All things thought about, there are lots of factors to be pleasant about the crypto sector at the minute-- now that's something that may not have actually been stated at the start of the week. Nevertheless, unpredictable times are naturally de rigueur for crypto, so financiers might want to collect on constant and regularize basis instead of dropping in a large swelling amount. In other words, the marketplace may be in the procedure of bottoming however it might not be at the bottom right now. But if you are seeking to hold for months instead of days, fishing around or listed below present rate levels might show rewarding. Dollar expense averaging is your good friend. Read More

[bankqualityreview]

ABN AMRO Bank Reviews Versus DBS Bank Customer Reviews

Would you like to open an ABN AMRO bank account? Will you have to be more assured before you make the right choice? Search BankQuality ABN AMRO bank reviews.

Considering opening a DBS Bank account, but you're uncertain, search BankQuality for DBS bank customer reviews

About ABN AMRO Bank ABN AMRO bank is an Amsterdam-based German bank. The bank has a long history of 1765 mergers. Services such as personal banking, commercial banking, trade banking and savings are offered. At present, the bank is owned by the government and the Finance Minister serves as Chief Executive Officer of ABN AMRO.

About DBS Bank The DBS Bank has its headquarters in Marina Bay, Singapore and is an abbreviation for the Singapore Development Bank. The Singaporean government founded the bank. DBS is currently the largest asset fund in South-East Asia, worth $518 billion.

The BankQuality’s DBS bank customer reviews have provided them with a 3.5 stars ratings

DBS Bank does have credit card and debit card facilities in addition to regular checking and savings accounts. The bank sells loans and insurance as well. The bank has recently entered the bond market, where clients are encouraged to invest in stocks and mutual funds.

The bank is a major bank in more than 250 branches in Southeast Asia.

BankQuality gives honest feedback and lets you assess correctly. BankQuality reports come from the users, so that we know the activities of the bank and how the bank works from an actual consumer's viewpoint. You cannot only read feedback but you can also give your bank analysis and your opinion of your bank worldwide the best way to make the correct choice when selecting a Bank.

BankQuality has several criteria and sections which allow you to check the bank so that detailed information on the bank is given. Separate parts on the name/location of the store, the user that you wish to check, the product and more. It gives you the right specifics and gives you detailed statistics.

BankQuality is not only for bank analysis but also for other institutions such as banking agencies, credit card companies, or insurance firms. You may leave a check. There are also various sections for digital banking in the country, which include the revision of digital wallets and apps for transactions. The best bank customer reviews are available here.

[qanvast]

How To Design An Affordable ‘MUJI’ Style Home

Admit it, whether it's their 'brandless' packaging or sleek wooden furniture pieces, there’s just something about MUJI's iconic, minimal style. Both practical and stylish, their pieces are perfect for Singapore's compact spaces!

But even if less is more, you don’t need to break the bank to get that look. Case in point? These 6 MUJI-inspired homes that offer the same minimalist style for less.

1. Bartley Ridge by Authors Interior & Styling

Renovation Cost: $18,000

This space-savvy condo makes the most of its tiny space with built-ins and tons of concealed storage. Japanese-style wooden finishes are utilised throughout the home, from the custom dining area (with hidden under-seat and overhead storage units) to the tatami-style fold out study desk that comes complete with a pull-out bed below!

2. Waterway Cascadia by DB Studio

Renovation Cost: $30,000

Keeping true to MUJI’s simple-meets-practical philosophy, this home in Punggol proves you can achieve a clean, pared-down look, even without built-ins. Save for its raised platform and its airy semi-open kitchen, the apartment is furnished with loose pieces in classic shapes and natural textures. In fact, its living room’s main highlight - those eye-catching stacking oak shelves? No less, from MUJI.

3. Ang Mo Kio by Edge Interior

Renovation Cost: $68,000

Decked entirely in a palette of whites and woods, this roomy HDB flat is one of the pricier projects on the list – but with good reason! In the living area, walls were hacked and replaced with slatted wooden partitions to create a communal space encompassing the dry kitchen and dining corner, transforming what would be a clogged and dim layout into a bright, open space. Meanwhile, the master bedroom’s odd layout is solved with a nifty reading nook and a walk-in wardrobe.

4. Waterway Woodcress by Third Avenue Studio

Renovation Cost: $46,000

Looking straight out of a MUJI furniture catalog, this relaxing, white-washed home reminds us of lazy weekends, slow afternoons and general good vibes. Stackable, MUJI oak shelves make their appearance again, doubling as a bookshelf, TV feature console, and bed headrest throughout the home. Its flooring and built-ins also come in light wood hues for a consistency.

5. Teck Ghee Parkview by Luova Project Services

Renovation Cost: $33,000

Maximising every penny, this $33,000 HDB makeover achieves the same homely look whilst packing in ample storage! Keeping to the signature white-and-oak combination, there’s a focus on clean lines, with closed storage cabinets for a visually uncluttered look, while wooden furnishings add a touch of warmth for an abode that’s practical and welcoming.

6. Ang Mo Kio Street 51 by Weiken.com

Renovation Cost: $20,000

Pale wooden accents, floor seating and rustic, MUJI-style furnishings, this 3-room HDB instantly sets our minds at ease upon stepping in, just like a Japanese ryokan. Not forgetting a sense of practicality, ample built-ins are installed - such as the dining bench-cum-storage cubby, floor to ceiling cabinets and glass panels that visually open up the space.

Create a space you love

Embarking on a renovation journey? Request for a quote here, and we can match you up with 5 interior firms - based on your budget and style - to get quotes.

About Qanvast: Create a space you love today with Singapore’s first mobile platform. Qanvast (pronounced as ‘canvas’) connects homeowners to trusted home professionals. Browse for reviews, renovation prices and portfolios from interior designer firms in Singapore at your fingertips!

[universalagile]

Gaurav is an experienced IT professional for 20+ years helping enterprise teams transform into Agile mind-set, create innovative culture and feel empowered.

Gaurav holds specialisation in Agile,Scrum implementation & training. For past 10 years, he has facilitated several Agile workshops,  innovation games and has trained 1000’s of professionals in these areas. Gaurav is also co-creator of Leadership coaching model (exepediacoachingmodel.com) & a frequent speaker at global and regional Agile & Scrum conferences.

[shlipayadavblog]

DBS says banking services back to normal after 2-day outage, systems secure

Singapore's DBS Group said its online banking services had been fully restored after suffering disruptions for about two days in its biggest outage since 2010, prompting the central bank to consider taking supervisory action.

In a Facebook post late on Thursday, Southeast Asia's biggest lender said customer logins and transaction activities have returned to normal pre-disruption levels since Thursday morning.

The bank's services, including its payment app, were disrupted on Tuesday and Wednesday

DBS said its systems remain secure and were not a target of a cyber-attack. "We will continue to monitor and review the events of this week and are taking steps to prevent future recurrences," the bank said.

The disruption drew the ire of thousands of customers just hours after the bank, Singapore's largest, announced a fix after the first day of the outage on Tuesday.

[bankqualitysg]

DBS Bank Review: What Do You Need to Know?

DBS Bank Review has been scoring well across different dimensions-the digital banking experience, customer service, and financial stability-of this bank, among many others, that have been steadily growing in Southeast Asia. DBS is a bank in Southeast Asia, one of the largest banks in the region, credited with top-notch technology and utmost services for retail and corporate accounts. Like any financial institution, there are areas to which DBS excels and aspects that need improvement.

Among several notable features highlighted in the latest DBS Bank Review, its robust digital platforms stood out. The bank has a strong investment in technological advancements and is one of the first digital banking players across its region. It has designed mobile and online banking services through which customers can easily manage their accounts, investments, and loans. This facility has been a more appealing reason for many customers, especially technocrats who prefer efficient banking solutions without complexities.

DBS Bank Customer Review Perspectives: A closer reading of the DBS Bank Customer Review reveals that customers appreciate the bank for the novelty in its digitalized services. Services like digibank and many more such as money transfer, credit card activities, and many other related services through a singular interface increase convenience, thereby saving time and also making the entire process of banking smoother. Thus, it is reflected in many users' high satisfaction ratings due to a fact that convenience is one of their major drivers.

Of course, some DBS Bank Customer Review feedback suggests areas that need to be worked on. As smooth as the overall experience is on digital, problem sometimes arises during peak hours, hence slower response rate and delay. Another observation is that on issues requiring direct customer support, this very strong digital framework sometimes presents difficulties in getting customers through to the support desks themselves. These could further cement DBS's position as the top bank.

Through DBS Bank Review, it is possible to gain a very holistic overview of the strengths of the bank, the formidable winning streak that belongs to digital banking, financial products, and also customer-centric innovations. On the other hand, while the DBS Bank Customer Review tells a very optimistic story, there are constructive criticisms that DBS would be able to use in enhancing services for customers. Over-all, DBS continues to hold ground in the banking industry with the right fit of technological development and a range of banking products that continue to attract customers cut across different demographic mixes.

[seedfinance]

Banking for Impact

from Dirk Schönmacher, Professor of Banking & Finance, Rotterdam School of Management, Erasmus University Rotterdam

C.Companies are influenced by new disruptive and complex social trends such as climate change, the energy transition and social inequality. Still, few companies have begun developing strategies that are geared towards creating long-term value, not just for shareholders but for all stakeholders.

introduction

This article summarizes a new strategy model to help companies create long-term value. This model is helpful in understanding the transformation process, which is differentiated according to industries and individual companies, and can be used as part of strategic planning. It also enables assessments of the willingness of individual companies and business units to transition across sectors – and identifies pioneers and laggards.

Banks can use the model to assess how future-proof their loan portfolios are. This assessment begins with a review of your customers’ willingness to transition. Banks can accelerate the transition to a sustainable economy by incorporating social and environmental factors into their credit criteria: Banking for Impact.

Strategy for the transition

Leading companies develop strategies for recording social trends that are relevant for their product and service portfolio. We have a . created Strategy model to support the strategy process (Kurznack, Schoenmaker and Schramade, 2021) 1. The first step is to identify the relevant trends for a particular industry. Taking the automotive industry as an example, the decisive trend is the transition from internal combustion engines to electric cars due to the need to reduce CO2 emissions. Figure 1 shows this transition. The solid line illustrates the transition curve from 2010 with no demand for electric cars to 2030 with all-electric cars.

The second step is to assess each company’s ability to execute the strategy. Do they have the necessary skills – in the form of intellectual capital, manufactured capital (machinery), human capital, and financial capital – to adapt to the new product demand in good time? Figure 1 shows that Tesla is on the transition curve and can therefore meet the demand for electric cars. Volkswagen, on the other hand, is lagging behind and can only halfway meet the demand for electric cars. The difference in performance is summarized in the Bloomberg article ���VW boss warns the troops: We don’t want to end up like Nokia”: “Volkswagen is at a critical point. It weathered the pandemic relatively well but is concerned that cases will pick up again. It has electric cars on the market, but it is way behind Tesla. And it has a huge scale of production, but urgently needs to rethink its vehicles as rolling software devices. It is this last edition that CEO Herbert drives home with the more than 635,000 employees at VW. The skill transition from industrial power to software literacy will be an immense challenge for automakers who are expansive, conscious, and, as some say, ripe for upheaval. Car companies that do something wrong risk ending up like this Nokia – failed hardware manufacturers doomed to failure by more agile and technologically savvy upstarts. ”(Rauwald, Patel and Thomas, 2020) 2.

The third and final step is to examine the value implications. Tesla is ahead of its competitors in transitioning to electric driving, which adds to its rating. Volkswagen is lagging behind, which lowers its rating. In our model, we offer a more detailed approach to assessing the relative valuations of companies in a sector based on their willingness to transition. The business-as-usual (BAU) scenario of continuing to only produce cars with internal combustion engines is becoming increasingly obsolete as the demand for these cars is quickly being replaced by electric cars. Traditional automakers become stranded assets if they don’t change their strategies in a timely manner.

Is your loan portfolio sustainable?

How can banks use the findings from our strategy model? At the corporate level, sustainable lenders seek out their borrowers for long-term value creation. The closer a borrowing company is to the optimal transition curve, the higher the rating and the lower the risk. This justifies lower cost of capital (ie lower credit spread) for more sustainable companies. Banks can accelerate the transition to a sustainable economy by incorporating social and environmental factors into their credit criteria.

At the portfolio level, banks can position their clients in relation to their respective sectoral transition curves. So, for each sector, they create a transition graph that shows how far their borrowers have progressed in that particular sector and identifies leaders and laggards. This information can in turn be used to analyze the credit risks and ratings of these companies. As already discussed, latecomers receive correspondingly higher interest rates and lower valuations. At the portfolio level, banks can use this information to adjust sector and country allocations in their loan portfolios.

A key takeaway from our model is that banks should focus not only on the front runners, but also on the laggards. In the energy transition, for example, banks, like other financial institutions, proudly announce their increased lending to renewable energy companies. However, a full picture will only emerge when banks also provide insight into reducing lending related to fossil fuels. A typical bank may have 5 percent renewable and 15 percent fossil fuel companies in its portfolio. The long-term value potential of renewables is then outweighed by the fossil stocks. The recipe here is to build the new sustainable portfolio while reducing the old unsustainable portfolio. Leading banks have already announced that they will stop financing coal.

The bank’s chief financial officer (CFO) can use this transition analysis to examine which activities are contributing to the bank’s earnings and which assets are eroding. Accordingly, the bank can exchange ideas with its customers on transition management and strategy. The bank can terminate relationships with customers who are making insufficient progress.

Impact reporting

Just like companies, banks have stakeholders who want to know how their banks are doing. A consortium consisting of Harvard Business School and the Impact Institute has proposed New impact reporting system to measure the environmental and social impact of all banking activities. 3 Four international banks, ABN AMRO, Danske Bank, DBS Bank and UBS, are leading this Banking for Impact initiative. These banks believe they can accelerate the transition to a sustainable economy by adopting new impact reporting standards that take social and environmental factors into account. They can provide a well-rounded picture of how they create value over the long term.

Not only bank customers and NGOs (non-governmental organizations) are interested in the effects of banks, but also banking supervisors. Supervisors can use the transition analysis and the associated impact reporting to assess how future-proof a bank’s business model is. In the current low interest rate environment with eroding interest margins, the supervisors want to find out how future-proof a bank’s loan portfolio is. The European Central Bank (ECB) and the People’s Bank of China (PBoC) are already preparing climate stress tests for their banking system, while the US Federal Reserve is still thinking about its strategy. With increasing global warming, loss of biodiversity and social inequalities (both within and between countries), there is also increasing awareness of sustainability efforts. Banks would have to prepare better for a sustainable future.

ABOUT THE AUTHOR

Dirk Schönmacher is Professor of Banking and Finance at the Rotterdam School of Management at Erasmus University and Director of the Erasmus Platform for Sustainable Value Creation. He is also a Research Fellow at Bruegel and CEPR. His research spans the areas of sustainable finance, central banking, financial supervision and European banking. Before joining RSM, Dirk worked for the Dutch Ministry of Finance and the Bank of England.

References

1 Journal of Sustainable Finance & Investment: “A model of long-term value creation, ”Kurznack, L., Schoenmaker, D. and Schramade, W., May 3, 2021. 2 Bloomberg: “VW boss warns the troops: We don’t want to end up like Nokia”, Rauwald, C., Patel, T. and Thomas, C., November 6, 2020. 3 Banking for Impact: “We launched the Banking for Impact Working Group on Wednesday, June 30th!“.

source https://seedfinance.net/2021/09/06/banking-for-impact/