The complex and unpredictable effects of the Covid-19 pandemic have served as a harsh wakeup call for decision-makers. Now, more than ever, the issue of societal wellbeing and sustainable development will take centre stage in social, political and business affairs.
Thanks to rapid technological advancements, we are witnessing an acceleration of a policy shift towards green economy. And as the world gradually recovers from the pandemic, we believe these changes are here to stay. This brings forth new, interesting investing themes:
1) The shift to electric vehicles (EVs);
2) Clean technology driven by China’s 2060 carbon neutrality target; and
3) Better financial inclusion through the digitalisation of financial services in Southeast Asia.
The EV revolution
In 2020, EV sales improved to 3.24 million units, up from the 2.26 million for the year prior. The main driver behind the boom is the surge in demand from Chinese consumers, where the country has been the world’s largest market since 2015.
As at end-December, there were almost five million EVs on the roads, according to the Chinese Ministry of Public Security. Of the 3.24 million EVs sold globally in 2020, 1.33 million were sold in China — marking a 62% increase since 2017. The country is currently the largest manufacturer in the world, producing 1.21 million units for the year.
China’s dominance in the EV space is largely due to the “carrot and stick” policy implementation. On the “carrot” side, the Chinese government has been trying to incentivise consumers to switch their vehicles to comparatively more expensive EVs through subsidies. As at end-2017, Chinese central and local authorities had already invested over RMB393 billion in the sector. Even as the government eventually reduces subsidies, the exemption of new energy vehicle (NEV) from the 10% purchase tax will still sustain sufficient demand.
On the “stick” side, the Chinese government has introduced an “NEV credit” regime to push for more supply, where Chinese car manufacturers will need to achieve a certain number of credits through meeting production quotas for EVs to avoid production suspensions for existing high fuel-consuming models.
With supportive measures to boost demand, global EV volume is forecast to enjoy a 52% CAGR during 2021-2025. China will likely hold the majority share — 49% of the global EV market. Europe will likely account for 27% and the US will hold 14% by 2030.
Such a rapid growth in EV also presents investment opportunities. One of the key beneficiaries of the EV boom is the battery technology sector, where there will be significant increases in EV battery capacity. Technological advancements will play a huge role in reducing battery costs and increasing energy density gains, which will ultimately increase demand.
With the battery industry and upstream supply chain improving faster than expected, there has been consolidation among battery makers. The scale gains by the top five makers — all located in Asia — exceed the rest of the industry.
China’s green push
While technological advancement is the key driver to EVs becoming more accessible to the general public, this rapid expansion in demand would not take place without supportive government policies.
As we have witnessed from the Covid-19 pandemic, many of the societal pillars in place, such as the healthcare system, economy and community framework, were severely challenged. To rebuild these frameworks and be better prepared for future crisis, governments have recognised the need to step up their ESG adaptation measures. China, once again, will be a key player in all this.
In September 2020, Chinese President Xi Jinping announced that the country aims to achieve net zero carbon emission by 2060. China’s carbon neutral plan is significant as it accounted for 30% of global CO2 emissions in 2019. To reach this ambitious new net-zero target — given that the previous reduction rates would only see a 10% decrease in emissions by 2050 — China will increase its reliance on emissions-free energy sources and rely on effective policy.
The evolution of China’s energy mix is one of the most important determinants of its de-carbonisation path. Renewables, as a percentage of energy generation, will increase from 15% to 25% by 2030, and China plans to triple its wind and solar power capacity to reach 1,200 gigawatts (GW).
Amongst renewables, solar is expected to grow the fastest due to decreases in generation cost over the past decade, where it is equal to or less than traditional energy sources. Although China announced that it would cancel solar tariff subsidies for new projects starting from 2021, the government is making it easier to build new solar glass projects. As a result, we foresee China’s solar installation to rise 31% year-on-year to reach 50GW in 2021.
However, the shift to renewable power is only part of the equation. A multi-dimensional ecosystem encompassing battery storage, clean hydrogen and carbon capture is required.
Along with solar, hydrogen has also emerged as a viable energy source, with a number of provinces announcing their five-year plans on increasing reliance on hydrogen power. In Beijing, the industry is expected to double in size to RMB100 billion from 2023 to 2025. Local governments are planning to develop world-class innovative hydrogen technology platforms and infrastructure, such as refuelling stations, to promote the use of hydrogen in fuel-cell EVs and for emission-intensive industries.
A new way of banking
The last super-trend that we see is better financial inclusion through financial transformation in Asean. With a population of 660 million, many of which are unbanked and underbanked, digital banking is set to accelerate in the region.
By 2025, digital financial services are expected to generate revenues of about US$38 billion and account for 11% of the total financial services industry in the region. New financial products can help close the equality gap and Asean is witnessing a wave of new digital bank launches, aided by the perfect blend of connectivity and innovation from super apps such as Grab, Gojek and Tokopedia.
As consumers shift towards the online economy, demand for financial services such as digital payments and remittances also will increase. There is significant opportunity for non-housing loans in the Philippines, Indonesia and Vietnam, where a large proportion of the population are millennials.
Neobanks have collaborated with super apps to provide integrated payment systems and loan/cash management solutions to merchants and shoppers. In the near future, Asean digital banks will experience high revenue growth, with SMEs becoming the largest loan driver as the informal economy has a large propensity to borrow but lacks access to affordable credit.
Driven by recent trends, governments in the region are supportive of new digital banking players to promote innovation. Singapore has issued four digital bank licences, while Malaysia and the Philippines have each issued five. Traditional banks are following suit (and also riding the digitalisation wave) as we are witnessing key players investing heavily in digitalisation.
Over time, we expect a convergence in business models between digital banks and the evolving incumbent banks. Regardless, consumers benefit through access to a broader suite of products and investors can take advantage of the situation.
Over the last few months, the coronavirus pandemic has created the ultimate disruption across all levels of government. Despite the many challenges it brings, there’s plenty of silver lining in the new opportunities for agencies to re-evaluate key processes — including collecting data such as confirmed cases in a region, contact tracing and health care responsiveness. The need for automated data collection and analysis tools has never been more apparent, yet many state and local governments find themselves restricted by spreadsheets, paper forms and antiquated systems.
Mobile data collection can extend and improve COVID-19 response.
COVID-19 poses a significant disruption for the government sector. It is a natural inflection point for pursuing technologies that can tackle the new requirements and challenges that state and local governments face:
- Contactless/social distancing protocols. With mobile data collection, paper need not change hands. Pens aren’t shared and contact is minimal. The only exchange of information occurs on a smart device, which can easily be cleaned and disinfected — unlike paper forms.
- Tight budgets and decreased spending. Maintaining legacy systems costs millions in taxpayer dollars every year. Many of these aging tools pose serious security risks and are far less robust than their modern, higher value counterparts. If it’s a question of savings, adopting new technology will pay dividends in the long run.
- New data to track and guidelines to follow. From symptom checklists and contract tracing to ever-changing health and safety rules, a mobile data collection solution gives agencies the freedom to pivot on a dime. Even when it seems like guidelines are changing daily, it’s simple and easy to deploy up-to-date forms to a field workforce from anywhere.
- Enforcement of regulations on businesses. Aggregating rules violations with analysis tools such as dashboards can provide crucial insights into trending issues. This enables agencies to pinpoint violation “hotspots,” chart enforcement progress and observe performance metrics directly from the field.
- Inspection of local businesses with discretion. Mobile data collection is a low-touch, noninvasive alternative to a typical inspection. Observing, reporting and analyzing compliance can occur quietly and out of customers’ view. Instead of requiring direct interaction, workflows can do the hard work of processing corrective and preventive actions, forming action plans and sending notifications to all the stakeholders.
Beyond addressing the challenges of COVID-19, mobile data platforms can help advance government operations and efficiencies on a number of fronts:
Improve data collection. With the advent of intelligent mobile apps for data collection, governments have a new option: empowering their field teams with smart devices to automate data capture processes. Unlike complex spreadsheet systems, the software is already familiar to anyone with a mobile device. These apps are intuitive and can effectively mirror existing processes, eschewing the need for change management. Many apps feature conditional logic, which, in addition to speeding forms completion, ensures a minimal learning curve. All employees, regardless of their technical skill level, can leap right into collecting COVID-19 data on the front lines.
Connect critical data across systems. Today’s highly accessible mobile apps are a small-but-critical cog in a much larger system that integrates data analysis, workflow and task management. Through integrations with other software, a mobile solution can push and pull to and from every part of the agency. Because the solution becomes an organic part of existing processes, adoption is intuitive and easy. With an integrated data collection solution, an agency’s work order system, contact tracing software, analysis tools and other systems can immediately populate with data gathered from the field.
Automate manual processes and save time. Workflows direct collected data where it needs to go, fire off next steps and send notifications where needed. In tandem with integrations, they essentially “talk” to other software, ensuring that data, tasks and other collateral reach their destination as quickly as possible. Workflows are also a big reason why these solutions are extremely cost effective, especially when considering the rising cost of maintaining legacy systems. They save countless hours by automatically performing mundane, manual tasks behind the scenes. While the upfront cost may seem like an obstacle during such lean times, the solution pays for itself in the form of long-term savings.
Uncover trends visible and provide key insights. Once agencies have collected and connected their data, they can invest in longer term planning. Analysis tools like business-intelligence dashboards and longitudinal reports home in on specific trends, illuminating issues and allowing agencies to focus on response. Visualizing data as charts and graphs has the added benefit of making it much easier to communicate key touchpoints. Of course, analysis tools aren’t exclusively for long-term metrics — agencies can just as easily customize a real-time daily dashboard that provides all the variables they need at a glance.
The challenges posed by COVID-19 present the perfect opportunity to adopt new tools and tactics. It’s time to turn this disruption into a proving ground with mobile data collection on the front line. The current expectations for governments to deliver risk management, public health and case tracking services amid dramatic changes only further confirms the need for comprehensive solutions. Digitization will soon define the future of government processes.
BY ALEX BROWN | AUG 26, 2020
Kenanga investors Berhad (“Kenanga Investors”) has declared a final income distribution of RM256.0 million for 21 retail funds till March 2021 adding to the earlier RM275.7 million that has been distributed and also income repatriation during the course of 2020, making it a record-breaking total distribution amount of RM531.7 million for its clients for financial year 2020. Ismitz Matthew De Alwis, Executive Director and Chief Executive Officer of Kenanga Investors said, “We are proud to declare an income distribution for a wide range of funds under our management. Income distribution yields ranged from 8% to 12% for equity and balanced funds while fixed income funds generated average yields of 6%.”
The full press release is attached here for your convenience.
Di masa PKP ini selain menambah Berat badan mari kita tambahkan Ilmu Apakah Yang dimaksudkan dengan Unit Trust dan 5 Kelebihan Unit Trust.. Unit trust ialah unit amanah atau amanah saham, dan amanah saham yang paling popular di Malaysia ialah Amanah Saham Bumiputera(ASB). Selain daripada ASB dan dana-dana yang dikawal selia oleh Permodalan Nasional Berhad (PNB), ada beratus lagi dana-dana unit trust yang dikawalselia oleh syarikat pengurusan unit amanah. Secara asasnya, para pelabur akan melabur sejumlah wang yang kemudiannya akan dikumpul ke dalam satu dana pelaburan. Dana pelaburan ini akan diuruskan oleh pengurus dana yang profesional dan berpengalaman. Dana dari para pelabur ini akan dilaburkan ke dalam secara kolektif/bersama untuk mendapatkan pulangan. Setiap dana yang diuruskan mempunyai kriteria tertentu yang telah ditetapkan. Ini penting supaya para pelabur tahu ke mana wang mereka dilaburkan. Dana yang lebih agresif akan lebih banyak dilaburkan ke dalam saham atau ekuiti, manakala dana yang lebih selamat akan dilaburkan ke dalam pasaran wang dan sukuk.
Sekarang kita dah tahu pelaburan unit trust, jom tengok pula kelebihan melabur di dalam unit amanah.
1. Modal Permulaan Yang Rendah. Kebanyakan dana unit amanah membenarkan pelabur untuk melabur dengan modal permulaan yang rendah. Pelabur boleh mula melabur ke dalam unit amanah dengan modal permulaan serendah RM1,000 sahaja.Hal ini tidak menjadi masalah buat unit amanah kerana pengurus dana akan menguruskan modal pelaburan daripada ramai pelabur.
2. Kepelbagaian Portfolio / DiversificationPara pelabur boleh menggunakan strategi untuk melabur ke dalam pelbagai portfolio pelaburan. Cara ini dapat mengurus risiko dengan lebih baik.Ini selari dengan konsep jangan letakkan semua telur dalam satu bakul yang sama.
3. Kecairan PelaburanKecairan pelaburan merujuk kepada kebolehan sesuatu pelaburan itu untuk ditukar menjadi wang tunai. Pelaburan yang sukar atau lambat untuk ditukar menjadi wang tunai lebih berisiko untuk mengalami kerugian. Sebagai contoh, sekiranya anda terlibat dalam pelaburan hartanah, rumah yang anda miliki merupakan kategori aset pelaburan jangka panjang.Ini bermakna sekiranya anda tidak mendapat pulangan yang diharapkan, rumah itu sukar atau lambat untuk dijual dan ditukar menjadi wang tunai dan anda mungkin terpaksa menanggung lebih kerugian dari masa lama yang terluang untuk menjual aset rumah. Pelaburan dalam unit amanah mempunyai kadar kecairan yang baik. Ini bermakna sekiranya pulangan tidak seperti yang diharapkan, pelaburan unit amanah boleh segera ditukar menjadi wang tunai dan kemudian boleh digunakan untuk pelaburan yang lain.
4. Pengurusan Yang Profesional Dana pelaburan unit amanah akan diuruskan oleh pengurus dana yang berlesen, profesional dan berpengalaman luas. Ini sangat penting supaya setiap keputusan yang dibuat berpegang kepada prinsip pelaburan yang akan menguntungkan pelabur.
5. Akses Kepada pasaran unit amanah memberikan akses kepada pasaran dalam dan luar negara. Ada syarikat pengurusan unit amanah yang menawarkan dana pelaburan unit amanah yang fokus kepada pelaburan ekuiti di China, Asia Pacifik dan lain-lain lagi.Selain itu, pelabur boleh memilih dana pelaburan berdasarkan kelas aset bergantung kepada profil risiko masing-masing. Antara yang ditawarkan ialah pasaran wang, ekuiti, sukuk dan bon.
Mobile technology is a form of technology that is mostly used in cellular communication and other related aspects. It uses a form of platform where by many transmitters have the ability to send data at the same time on a single channel. This platform is called Code-division multiple access (CDMA). This platform allows many users to make use of single frequencies because it restricts the likelihood of interference of frequencies from two or more sources. This channel has evolved over the years. The mobile technology is rapidly evolving; over the years, its uses are becoming diverse and is gradually replacing some similar sources in the market that are also used for communication e.g. post office and land lines. The mobile technology has improved from a simple device used for phone call and messaging into a multi-tasking device used for GPS navigation, internet browsing, gaming, instant messaging tool etc. Professionals argue with the trend that the future of computer technology is rest on wireless networking and mobile computing. Mobile technology through tablet and portable computers are becoming more and more popular.
Mobile technology was a mystery two decades ago but now, it has become something of necessity to both the rural and the urban areas. The mobile technology started as a remarkable achievement in the world of technology but now, it is transforming into user comfort technology due to its present diverse functionality. When the mobile was first introduced, it used to be basically for SMS, Calls and games. But it has presently transformed into a digital world and has made life and business much easier; marketers now have the ability to sell their products with ease through mobiles technology. The mobile has made it possible for users to transfer files and other files through Bluetooth and wifi. The mobile is also equipped with internet connectivity, making it easy for the user to gain information and also to download files from the internet. Video call conferencing is another achievement that has come to reality through mobile technology. Business men and clients now have the channel to communicate even without seeing in person. With the use of mobile technology, it is now easy to catch up with every form of entertainment from the comfort of your home. It has also made it possible for one to easily locate places on the globe using the Global positioning system (GPS). Especially in the business world, the importance of mobile technology cannot be overemphasized; bankers depend solely on mobile technology on managing finances and stocks. Many business firms uses the mobile technology to increase their earnings through providing customers easiness to patronize their product through apps and websites. For example, the Cinema may create an app for ticket booking; railway travel tickets can be purchased from the internet without having to queue up to purchase it. The evolvement of mobile technology has made our life easier and also saves us time and resources.
The diversity of mobile technology is due to the fact that that many mobile operating systems are available for smart phones all of which have their own unique characteristics. Some of these operating systems are: the Android, blackberry, webos, ios, symbian windows and bada mobile some of which will be briefly discussed: The android is an operating system that is developed by google. The operating system is designed basically for the touch screen mobile devices and it is based on a simple manipulation. It uses simple touch gestures that relates to the real world situation. The Android is the first and only open source operating system; that means it has the ability to be ported to any cell phone. The blackberry is an operating system developed by the Blackberry limited. The operating system was developed mainly for Blackberry smart phones. This system is most specialized for multitasking and also aids the use of some specific inputs for the supports of some of its smart phones such as the trackwheel, trackball, trackball, trackpad and touchscreen. The IOS is a mobile operating system that is made and developed by Apple. The system was developed for the use of the Apple hardware only such as Iphone, Ipad and Ipod Touch.
The internet is now equipped with a 4G network. This network enables a high speed data transmission in the channels, making surfing the internet to be easier. In the future, smart phones will be aware of their environment, they are going to be able to utilize the availability of physical inbuilt sensors and the ease with which data are exchanged. One of the way to achieve these trend is that the mobile phones will begin to keep track of the user’s personal data, but also, they will be able to predict almost correctly the user intentions on what he wants to use or the information he is interested in getting. This will be accomplished by keeping track of the user earlier tasks. In the next generation of mobile technology, smart phones will be equipped with X-Ray tool that will be able to detect detail information about the location the phone is pointing to at that particular time. Various companies are presently developing apps that will be able to accurately sense the exact location or present position of the phone or the user. Along with the future of mobile technology comes another device called Omnitouch this is a device that makes it possible for application to be used on the hand, arm, desk, wall and every other plain surface. The device has a sensor touch interface which makes it possible for the user to access functions through the use of the finger touch.
Since the arrival of the mobile, it has helped humans in many ways; some of which are: mobile phones are very important in case of an emergency they safe lives in cases of accidents and other related issues. One of the most important use of smart phones is that they ensure safety. Families can easily communicate with each other while away. To cap it up, mobile technology is here to stay and holds a lot more features in the future to meet even the most of our basic needs and to make life a lot easier.
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This is the Dashboard for Covid-19 Pandemic Infection in Malaysia. It will show the real time location for red zone district and the number of cases.
This is the analytics and information page guidelines for Covid-19 infection in Malaysia. Feel feel to click at this page: Portal Hub GIS Covid-19. Credit to Esri Malaysia