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"Inclusive Disruption serves as a primary guide to help readers understand what financial technology is and how it has evolved to change the future financial landscape. The central ideas of fintech are explained in details, with topics ranging from distributed innovation, inclusive blockchain to decentralised inclusive technologies. The book also gathers the views of key opinion leaders and cutting-edge practitioners who are at the forefront of fintech development. Therefore, it not only presents useful insights about financial technology but also represents an invaluable source of knowledge for readers who are interested in fintech."

"Inclusive Disruption serves as a primary guide to help readers understand what financial technology is and how it has evolved to change the future financial landscape. The central ideas of fintech are explained in details, with topics ranging from distributed innovation, inclusive blockchain to decentralised inclusive technologies. The book also gathers the views of key opinion leaders and cutting-edge practitioners who are at the forefront of fintech development. Therefore, it not only presents useful insights about financial technology but also represents an invaluable source of knowledge for readers who are interested in fintech"--

"As technologies such as artificial intelligence, big data, cloud computing, and blockchain have been applied to various areas in finance, there is an increasing demand for fintech professionals with the skills and knowledge related to fintech. Knowledge of the technologies involved and finance concepts is crucial for the fintech professional to understand the architecture of technologies as well as how they can be applied to solve various aspects of finance. This book covers the main concepts and theories of the technologies in fintech which consist of big data, data science, artificial intelligence, data structure and algorithm, computer network, network security, and Python programming. Fintech for Finance Professionals is a companion volume to the book on finance that covers the fundamental concepts in the field. Together, these two books form the foundation for a good understanding of finance and fintech applications which will be covered in subsequent volumes"--

The Singapore housing market is unusual in its high homeownership rate, the dominance of HDB housing, and the extensive intervention of the government in regulating housing supply and demand in both the HDB and private housing sectors. Recent rapid population increases in a low interest rate and high global liquidity environment has resulted in accelerated house prices increases in Singapore. Earlier this year, the government launched "Our Singapore Conversation" of which discussion on housing policies constitutes one major component. This "conversation" comes in the wake of several consecutive rounds of measures to stabilize housing prices using various instruments. This paper evaluates the main policy changes proposed and makes recommendations for housing market reforms: (i) the government need to clarify goals of housing policies and make available more detailed data on the foreign component of our population for better analysis of housing markets; (ii) the housing supply regime should target an overall effective vacancy rate that encompasses both the Housing and Development Board (HDB) and private sector; (iii) policy makers need to monitor carefully excess demand indicators for housing in addition to housing affordability indicators over the entire spectrum of incomes and household types; (iv) housing REITs should be established to provide an alternative investment option as well as to develop an efficient and affordable rental sector; and (v) in addition to macroprudential measures, owner-occupancy requirements and fiscal measures such as stamp duties and property taxes could be further utilized to reduce the foreign demand for Singapore housing and real estate.