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GrabPay is most popular e-wallet in Singapore: Report

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GrabPay has emerged as the most popular e-wallet in Singapore over the past two years, as e-payment systems catch on here.

It was followed by e-wallets DBS PayLah!, FavePay, EZ-Link app and Alipay as the top five most popular.

A report by meta-search website iPrice Group, in collaboration with mobile data and analytics platform App Annie Intelligence, showed that the contactless payment rendered by Grab has been the most commonly used e-wallet app by Singaporeans since the end of 2017.

The report released yesterday analysed more than 30 e-wallet apps and tracked the developments of e-wallets using vital app metrics, such as the number of monthly active users and total downloads from late 2017 to the third quarter of this year.

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Tale of footballer chasing SEA Games dream wins Story of the Year for CNA Digital reporter at FAS awards

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SINGAPORE: CNA Digital reporter Matthew Mohan’s tale of a footballer pursuing his dream won Story of the Year at the Football Association of Singapore’s (FAS) annual awards night on Thursday (Oct 31).

Held at Orchard Hotel, FAS Nite 2019 showcased the best performers of the year from Singapore’s footballing fraternity.

Mr Mohan took top prize in the Story of the Year category for his captivating account of footballer Lionel Tan’s decision to interrupt his National Service stint to fight for a spot on the Under-22 national side going to the 2019 SEA Games.

In the story, Mr Mohan wrote of how Mr Tan juggled his National Service demands as he passionately pursued his dream of winning a place in the Under-22 squad going to the Philippines, after missing out on playing action at the 2017 Sea Games in Malaysia.

Lionel Tan fends off a defender in SIngapore's 3-0 win over the Philippines

Lionel Tan fends off a defender in Singapore U22s’ 3-0 win over the Philippines in the Merlion Cup on Jun 7.  (Photo: Matthew Mohan)

“I felt that Lionel’s story was one worth telling. Representing the nation clearly mattered to him – whether it be donning NS green or Singapore red,” said Mr Mohan. 

“His display of remarkable discipline and character really struck me and was one which I hoped to highlight through my feature.”

He added: “Sports stories often run the risk of being too results-orientated. I wanted this piece to underscore that beyond the glitz and the glamour of winning, sportsmen put in an incredible amount of effort and that deserves attention.”

Mr Tan, 22, was last month named in coach Fandi Ahmad’s 23-man squad for a training camp in Japan, ahead of the SEA Games in the Philippines.

OTHER RECIPIENTS

Other winners at FAS Nite 2019 from the Singapore Premier League were Hougang United’s Faris Ramli, who won player of the year; Hami Syahin of Home United, who won young player of the year; and DPMM’s Adrian Pennock, who won coach of the year.

Lions forward Khairul Amri, who recently announced his retirement from international football, was also lauded for his achievements in the sport.

In the Women’s Premier League, Nur Emilia Natasha of Police won player of the year; Tampines Changkat FC’s Nur Umairah Hamdan took home the young player of the year award; and Home United FC’s Azrulnizam won coach of the year.

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Man jailed for hiring friend to set fire outside the flat he co-owned

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Unhappy with his ex-wife and son for locking him out of their flat, he splashed paint at the unit and paid someone to set fire to a mattress outside the apartment he co-owned.

Safie Jantan, 57, was yesterday sentenced to seven months and three weeks’ jail.

He pleaded guilty to three charges involving mischief. Four similar charges were taken into consideration.

The court heard that on Feb 8, Safie removed the entire metal gate from the unit after his ex-wife and son had changed the gate’s lock to prevent him from returning and harassing them.

The son later paid more than $600 to replace the gate.

Then on Feb 17, Safie returned to the unit and discovered the lock had been changed.

Furious, he splashed paint on the door, before calling the police to inform them of what he had done.

He also told the police he had left the location.

Safie’s son made a police report on Feb 23.

In the early hours of Feb 26, Safie paid a friend $300 to set fire to a mattress outside the unit.

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Commentary: Why Singapore is ripe for an electric vehicle revolution

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SINGAPORE: Electric vehicles (EVs) are transport’s next frontier.

As cities mature, they are beginning to recognise the need for greener transportation.

Oslo, the EV capital of the world, has seen EVs account for more than half of all new cars sold in 2018, and is planning to encourage further growth through incentives and restrictions on diesel and gasoline vehicles.

In 2018, EVs saw a 63 per cent year-on-year increase in sales, with more than 2 million units sold globally. Drivers are also spoiled for choice, with 66 new models in total to be launched by the end of 2019, and 101 in 2020, according to a 2018 McKinsey study.

The same can be said of EVs in Singapore, which are gaining some traction. There were 1,036 fully electric cars on the road as of September this year, up from just 12 three years ago, according to the Land Transport Authority.

READ: What is keeping electric cars from gaining greater acceptance in Singapore? 

However, there are concerns in Singapore that the price of an EV is still too high.

The reality is that dealers themselves price EVs within the price range of combustion-engine cars in the Singapore market. While EVs could cost upwards of S$400,000, this price range tends to apply to high-end models.

A mid-range model, such as the BMW 225xe, which I drive, was priced around S$174,000 two years ago, while Hyundai and Nissan models could range from S$120,000 to S$140,000.

Hence, EVs can be affordable by local standards.

Consumer education around total cost of ownership over the lifespan of the car versus initial cost of ownership, as well as other purchasing models like leasing must be part of the value proposition to potential EV owners.

Nissan Motor Co's new Leaf, the latest version of the world's top selling EV, is seen dur

Nissan’s Leaf, its best-selling electric vehicle, is seen during its world premiere in Chiba, Japan on Sep 6, 2017. (Photo: REUTERS/Kim Kyung-Hoon)

EV CHARGING INFRASTRUCTURE IS BECOMING LESS OF AN ISSUE

Singapore transport is ripe for an EV disruption.

Infrastructure development in Singapore is already racing ahead of EV sales, with both normal and fast-charging options in place.

READ: Commentary: Where are all the electric vehicle charging points?

Shell, which recently acquired EV infrastructure company Greenlots, plans to install 10 EV chargers in selected stations across Singapore. These chargers leverage the strategic locations of Shell’s fueling stations, catering to traffic flow across the island.

This is over and above infrastructure already in place by Greenlots, SP Group, Red Dot Power and Blue SG among others.

INFORMATION ON CHARGING POINTS IS NEEDED

However, an overarching enterprise system is needed to manage all charging infrastructure. We should be able to find information on the charging points’ location and availability on Google Maps or a consolidated platform.

Charging Infrastructure companies should collaborate and have a common payment platform compatible with their different business models to make it easy for EV users.  

A BlueSG electric car-sharing vehicle is parked at a charging station in a public housing estate in

A BlueSG electric car-sharing vehicle is parked at a charging station. (Photo: Reuters/Edgar Su)

Singapore’s average daily driving distance is 55km, which makes us the perfect city for EVs. A full charge on most battery electric vehicles today, even with the air-conditioner running, should give you at least 120km – if not more.

Easy, predictable daily access to a charging station will reduce the vehicle’s charging time of the vehicle as batteries would not be fully discharged and cars can still run on partial charge.

READ: Commentary: New electric vehicle highway in Australia warmly welcomed

Opportunistic charging coupled with well-distributed and accessible charging infrastructure, especially with direct-connection fast-charging, will further allay EV owners concerns about range.

DISTANCE ONLY AN ISSUE WHEN TRAVELLING TO MALAYSIA

For those who plan to cross the border, options for charging are increasing in Malaysia.

For example, Petronas had planned to install 100 green charging stations at their petrol stations by 2018.

Malaysia also has many EV rental companies like COMOS.

BlueSG electric cars file photo

Electric cars operated by car-sharing service BlueSG in Singapore. (File photo: Gaya Chandramohan)

POWER IS NOT AN ISSUE

The Singapore power grid is the most reliable grid in the world, In fact, we are blessed with lots of power – with a power generation sector at almost 75 per cent overcapacity. Distribution grid management will ease concerns around grid constraints.

We have the power grid to supply energy, we have the charging infrastructure to electrify the cars and we have the cars, almost 400 new models by the end of 2023.

Can our electrons get greener? Of course, it can. Singapore’s electricity grid emission factor, which measures the average carbon dioxide emission per MWh of electricity, has improved by more than 20 per cent over the last 12 years and will continue to do so.

We took the first steps a decade ago by changing our power generation fuel to natural gas with improved turbine technology. Then we started solarisation and will hit the 350 megawatt peak (MWp) installed capacity target by 2020.

Furthermore, the Singapore Government recently announced a commitment to make national energy supply more affordable, reliable, and sustainable at the Singapore International Energy Week 2019.

The Government also set a solar target of at least 2,000 MWp by 2030, demonstrating that the decarbonisation of Singapore’s energy system remains a top priority.

READ: Commentary: Here’s how to accelerate and fund the climate action revolution the world wants

The Sustainable Energy Association of Singapore also launched a white paper on accelerating our decarbonisation efforts in Singapore this week at the Asia Clean Energy Summit 2019.  So, electrons will become greener and less carbon-intense.

SUBSIDISE MORE TO ACCELERATE EV ADOPTION

The EV narrative is not only centered on reducing carbon emissions; EVs have zero tailpipe emissions.

This means that unlike combustion energy vehicles, EVs emit zero pollutants, promising better air quality for us and our children. 

BlueSG electric car file photo

An electric car operated by car-sharing service BlueSG in Singapore. (File photo: Gaya Chandramohan)

While this concern over the pollutive poison combustion-engine vehicles emit has been addressed to some extent through a new Vehicle Emission Scheme encouraging drivers to switch to cleaner vehicles launched a few years ago, the subsidy quantum given is not sufficient to shift people away from regular cars in significant droves. This should be reviewed further.

EVs need a level playing field where the cost of externalities arising from tailpipe emissions, such as healthcare costs, productivity loss, and so on are factored in.

READ: Commentary: Buying a car has lost its lustre in China

READ: Commentary: Vietnam bets big on a homegrown US$17,000 hatchback

Pricing in these costs will mean the rebates provided under the Vehicle Emission Scheme should be as much as twice the car’s Certificate of Entitlement value.

Furthermore, sound pollution from vehicles in our densely populated housing estates will also reduce dramatically when electrified.

RECYCLING OF BATTERIES

There are also concerns around the EV battery as a source of pollution. In 2018, the City of Vancouver analysed a cradle-to-grave life cycle of an electric vehicle and a comparable internal combustion engine.

Vancouver Harbour

Vancouver Harbour. (Photo: Pixabay/Robert Nathan Garlington)

They concluded that the EV was almost 100 per cent better in terms of carbon emissions and energy consumption over a 150,000km range. Furthermore, there is now opportunity to use the spent EV battery in the renewables sector by coupling it to solar energy systems.

Singapore recently announced that it was also looking at deploying 200MW of energy storage coupled to solar installations, enhancing the availability of solar power. The used EV battery, while not good enough for vehicle performance, tends to be good enough for power systems and hence has a viable second life.

Furthermore, Singapore’s electronic waste management initiative and the recycling of batteries will help recover components that can be reused.

So, if we truly believe in our aspirations of being a Smart Nation, then with the right charging infrastructure, information on where the charging points are and policies in place, Singapore will truly become one of the first few beneficiaries of the EV revolution.

Dr Sanjay C Kuttan is Chairman at the Sustainable Infrastructure Committee at Sustainable Energy Association of Singapore.

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Planning to break up after you BTO-ed? You might lose up to $78K

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Breakups suck. But you know what’s worse?

Breaking up when you and your partner have already balloted for a BTO flat.

Yep.

While I’ve shared my experience with regard to the nuances of getting your BTO, as well as the joys of owning your own home.

I’ve also seen plenty of couples who’ve never seen it through.

So before you pop the question and ask “Ai BTO mai?” (Hokkien: Wanna BTO not?), did you know that you could lose anything from $10 to more than $78,000?

Note: the numbers and figures quoted in this article will be based on break-up scenarios involving a 4-room BTO HDB flat

TL;DR: WHAT WILL I LOSE IF I BREAK-UP AFTER I BTO?

Here’s how much you’ll stand to lose if you break up

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Truck driver trapped, pinned to seat after vehicle overturns along ECP

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SINGAPORE: The driver of a tipper truck was taken to hospital on Thursday (Oct 31) after his vehicle overturned, trapping the 34-year-old in the cabin.

The accident happened along the East Coast Parkway (ECP) after the Tanah Merah Coast Road exit, according to the Singapore Civil Defence Force (SCDF).

The authority received a call for assistance at about 4.20pm on Thursday. When emergency responders got to the scene, they saw the tipper truck lying on its side.

“Its cabin was crushed inwards and the driver was pinned in his seat,” said SCDF in a Facebook post.

Due to the complexity of the operation, rescuers from the SCDF’s Disaster Assistance and Rescue Team (DART) were deployed.

Truck overturns along ECP 3

The rescue operation involved members of the Singapore Civil Defence Force’s Disaster Assistance and Rescue Team. (Photo: Facebook / Singapore Civil Defence Force)

A truck-mounted crane was used to stabilise the tipper truck to minimise movement “so as not to aggravate the precarious condition of the trapped driver”, the force said.

“Within the confined space between the cabin and the rear tipper box, DART rescuers manoeuvred delicately, using a slew of hydraulic rescue equipment to cut their way through the badly crushed cabin to access the trapped driver,” the Facebook post read.

“Upon ultimately gaining access, DART rescuers then freed the trapped driver through the passenger side of the tipper truck.”

Truck overturns along ECP 2

Emergency responders work to free the trapped driver. (Photo: Facebook / Singapore Civil Defence Force)

SCDF paramedics and an emergency medical team from Changi General Hospital were on site to support the rescue operation, which lasted about three and a half hours.

The driver was conscious and taken to Changi General Hospital with injuries to his lower limbs, said SCDF.

Truck overturns along ECP 1

The driver was taken to Changi General Hospital. (Photo: Facebook / Singapore Civil Defence Force)

The police said they were alerted to the accident at about 4.15pm, adding that investigations are ongoing.

Video of the incident circulating online showed the vehicle lying in a ditch at a road divider, its wheels up in the air and its cabin almost completely upside down.

Emergency responders were at the scene and could be seen trying to free the man.

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Police probing man accused of stealing and seen in video begging captor for leniency

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SINGAPORE – Police are investigating a man who was arrested for allegedly stealing and seen in a video begging the person who caught him for leniency.

Police said on Thursday (Oct 31) that they were alerted to a theft at Block 338, Ang Mo Kio Avenue 1, at 1.34pm on Sunday. The 39-year-old suspect was later arrested by the police.

In a seven-minute video posted on the All Singapore Stuff Facebook page, the suspect is seen at a ground floor lift lobby, kneeling on one leg and begging an older man, who appears to be the person who caught him. At one point, the suspect kowtows.

The captor tells him in Hokkien: “I gave you a chance earlier. You didn’t take it.”

The suspect then tries to run away but gets pinned down to the floor by the other man. He tries to apologise to his captor but to no avail.

At some point, the suspect tries to escape again and gets pinned against a lift door by the captor, who says he is in his 50s, with the help of another man.

Eventually, a police officer arrives and the 39-year-old is arrested.

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Unfair clauses in contracts: What more can be done and how should workers protect themselves?

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SINGAPORE: An employee who wanted to quit after less than three months on the job was told to pay the company a month’s worth of salary as compensation. 

While this was a clause found in the employee’s contract, it was an “unreasonable” one.

This was an example given by the Ministry of Manpower (MOM) on Wednesday (Oct 30) in a statement addressing the issue of unfair clauses found in employment contracts in Singapore. 

Around 50 of such cases, with some involving a high financial penalty, had been lodged with the Tripartite Alliance for Fair and Progressive Employment Practices (TAFEP) since September 2018.

Employers involved in these cases were “generally … cooperative” after being told to justify the contractual clauses imposed and to remove or not enforce those that were unfair, said MOM. 

The firm involved in the example cited by MOM had heeded TAFEP’s advice to drop the demand for compensation after the latter said the clause was unreasonable. 

It also agreed to review the clause for future employees, said the ministry. 

MOM’s statement was in response to media queries about a blog post by Member of Parliament (MP) Zainal Sapari. 

Writing on the labour movement’s blog on Wednesday, Mr Zainal, who is the assistant secretary-general of the National Trades Union Congress (NTUC), cited examples of “one-sided and unethical clauses” that take advantage of the “vulnerable position” of workers, and called for more to be done.

“Due to the challenging business environment, there are employers who may resort to underhand practices or tactics to address the problems they are facing, but to the possible detriment of the workers … (Including) unfair clauses is unethical as they abuse the vulnerable position the workers might be in,” wrote the MP.

READ: TADM recovers S$29m in owed wages; resolves 85% of salary claims within 2 months

MOM said it has been in “active discussion” with tripartite partners on such issues and will ensure that unreasonable contractual clauses do not become the norm in workplaces here.

“While there are legitimate reasons why employers include restraint of trade clauses in employment contracts (such as to protect trade secrets and trade connections) or impose liquidated damages for specific contractual breaches (such as breaking a training bond), excessive or unreasonable use of such practices cannot be justified.”

The ministry added that “clear principles and markers on when such clauses are not enforceable” have also been set by the Civil Courts.

“Other than intervening in such cases to help the employees, MOM will also not hesitate to take other actions, such as suspension of work pass privileges, against recalcitrant employers,” it said. 

WHAT AND WHO IS AFFECTED

Human resource and legal experts said the unfair terms found in some job contracts can range from illegal salary deductions when performance targets are not met and penalties for contract termination to excessive non-compete or restraint of trade clauses.

Some also contain “catch-all phrases” like “all the above terms and conditions are subject to changes”.

“Such catch-all phrases usually allow the companies to easily make changes to pay structure, work location or schedule, and benefits without having to consult all employees,” said Singapore Human Resources Institute’s (SHRI) president Low Peck Kem.

These experts added that unfair employment contracts affect not just vulnerable workers, such as those earning lower wages, but the professionals, managers, executives and technicians (PMETs) as well.

READ: Commentary: Tip of the iceberg, when ‘disguised PMEs’ don’t get overtime pay and fair treatment

For the former, these tend to be illegal salary deductions and clauses that exclude them from overtime pay, said Mr Ian Lim, partner and head of employment at TSMP Law.

Construction is one industry that has seen more low-wage workers, usually foreigners, falling victim to such unfair clauses, added Mr Lim.

Another is the outsourced services industry, where job contracts are found with clauses that require workers to pay liquidated damages incurred by the company, according to Mr Zainal.

“In the outsourced service industry, such as cleaning and security, it is quite a standard practice for service buyers to reflect the liquidated damages payable for non-performance issues in the contract.

“Given the narrow profit margins they are getting, these service providers may then resort to passing the cost of liquidated damages to the workers,” the MP wrote in his blog post.

The MOM website states that salary deductions for such liquidated damages should not be made, even if employees have given their consent. 

However, some low-wage workers may not be aware of their rights or are afraid to report their bosses for fear of losing their jobs, thus allowing errant firms to get away with these unreasonable practices, said Mr Zainal. 

READ: NTUC eyes new taskforce to protect workers at ‘pre-retrenchment’ phase, sets 1.5 million membership goal

For the PMETs, contractual disputes tend to involve excessive “non-compete” or restraint of trade clauses.

These typically involve non-solicitation clauses that seek to stop a worker from soliciting clients or staff away from a former employer. Non-compete clauses prevent people from working in the same industry for a certain period of time.

One excessive example, according to Mr Lim, is a contract that had a non-solicitation and non-poaching clause lasting five years, as well as a two-year non-compete clause.

There is currently “no bright-line test to determine reasonableness” of these clauses, he added, given the current lack of specific guidelines in this area.

Ms Amarjit Kaur, partner at Withers KhattarWong, echoed that: “The Employment Act provides basic legislative protection to employees and goes into the details for areas like overtime pay, but not everything is prescribed.”

Referring to the restraint of trade clauses as “some of the most onerous clauses” that can be found in job contracts here, she added: “A lot of it is left to the freedom of contract between the employer and employee.”

“When there is an imbalance of power, the employer will be able to dictate the terms and very often, employees will just sign the contract because they don’t feel they have the opportunity to negotiate it,” said Ms Kaur.

office workers raffles place singapore file photo 4

Office workers at Raffles Place in Singapore. (File photo: Marcus Mark Ramos)

Rank-and-file workers have not been spared, according to Mr Zainal, who raised the example of how one security agency used the restraint of trade clause on its security officers.

These contractual terms are typically aimed at preventing employees in senior management positions from competing with the firm after they leave, but this security agency stated in its contracts that it would take legal action against officers who join another agency within four months of resigning.

“The law is on the workers’ side in this aspect but the only thing is that workers must take it to the courts if challenged by their employer which, unfortunately, many low-wage or vulnerable workers are not prone to doing,” added the MP.

WHAT MORE CAN BE DONE?

Mr Zainal said there is an “urgent need” for tripartite partners to provide greater clarity and guidance on fair and proper contracting practices, given how workers who are not properly advised of their legal rights are more likely to succumb to the unreasonable demands of their employers.

There also needs to be greater education efforts to help workers understand employment contracts.

The MP also suggested a “cooling off period”, up to five working days for example, to allow workers to rescind an employment contract they have signed without penalty.

The MOM, or the Tripartite Alliance for Dispute Management (TADM), could also consider starting a watch-list of companies found to have unfair clauses in their employment contracts.

Administrative penalties should be imposed on them, added Mr Zainal.

READ: Enhancements made to Employment Act will see more workers protected

Mr David Leong, managing director of PeopleWorldwide Consulting, said authorities and unions can also draw up templates of employment contracts that are in accordance with the Employment Act for companies to refer to. 

More can also be done to protect migrant workers whose main recourse is to seek pro-bono help through charity help groups that have limited resources, suggested Mr Lim.

Migrant workers in Singapore file pic

Construction workers wait to cross a street in Singapore. (Photo: AFP)

 

HOW TO PROTECT YOURSELF

To be sure, experts said that the Singapore authorities have made strides in beefing up protection for workers with changes to the Employment Act, as well as the set-up of dispute management office TADM.

“The most effective way of resolving such disputes is usually amicable settlements, without going to the civil courts. With a mechanism like TADM that offers mediation services, it means that workers won’t be disadvantaged just because they don’t have lawyers to represent them,” said Mr Leong.

But experts also urged workers to be up-to-date with local employment laws and not rush into signing a job contract.

“Sign the contract with your eyes open,” said SHRI’s Ms Low.

“Seek clarification and discuss with the HR staff or recruiter on the clause you are not comfortable with. If you think it is blatantly unfair, then one can always go to TAFEP and TAFEP will take up the case with the employer.”

In its statement, MOM said that any employee who feels that he or she has been the subject of an unreasonable employment clause in his or her contract should approach the union, TAFEP or MOM for assistance as early as possible.

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Malaysia to proceed with JB-S'pore RTS rail project, says Mahathir; estimated cost cut by 36 per cent to $1.03b

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JOHOR BARU – Malaysia has decided to proceed with a cross-border MRT link project with Singapore, with proposals to amend the project and reduce costs by 36 per cent.

Malaysian Prime Minister Mahathir Mohamad announced this on Thursday (Oct 31), during a press conference held at the Bangunan Sultan Iskandar Customs, Immigration and Quarantine (CIQ) Complex.

With the proposed changes, the total cost of the 4km rail project is estimated to be RM3.16 billion ($1.03 billion), instead of the original of RM4.93 billion, said the Malaysian government in a statement.

Officials from both countries are currently refining Malaysia’s proposals to amend parts of the bilateral agreement for the project, which was signed last year.

A key feature of the revised project structure will be the involvement of the developer/owner of the Bukit Chagar land – where the Rapid Transit System (RTS) will connect to in Johor Baru – so the land cost will be waived.

In March this year, Malaysia requested a six-month extension to respond to Singapore on issues relating to the RTS project.

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Youth admits raping 15-year-old student who was drunk after Truth or Dare game

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SINGAPORE – A 21-year-old, one of two youths accused of sexually assaulting a 15-year-old student while she was intoxicated following a game of Truth or Dare, pleaded guilty to a charge of rape on Thursday (Oct 31).

The accused, who was 19 at the time of the offence in 2017, admitted that he had sex with the girl without her consent at the foot of a Housing Board block in Pasir Ris, while his co-accused, then 18, held her head.

The latter is charged with attempted rape and sexual assault by penetration but his case is still pending.

The accused’s case was adjourned to Dec 2 for sentencing arguments.

Seven other charges, including one each for sexual assault by penetration and one for abetment of attempted rape, will be considered when he is sentenced.

The two youths, who worked as waiters at the time, are not named due to a gag order barring the publication of information that can lead to the identification of the victim, who is a Singapore permanent resident.

The High Court heard that the girl befriended a group of four youths in 2017 and hung out with them at various locations in Pasir Ris.

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