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Podcast: Yah Lah But
Episode: #787 ft Natalia Goh โ Can You Trust a Bank With No Branches? How Has Digital Banking Changed Personal Finance
Description: Most of us just want banking to be simple: salary comes in, bills go out, and the restโฆ hopefully grows a bit. But banking has changed so quickly that a lot of people are using new tools without really knowing whatโs happening underneath.We talk to MariBank CEO Natalia Goh about how digital banks work, whatโs driving renewed interest in gold, and why our money habits in Singapore are shifting in ways that affect ordinary working people.๐๐๐๐จ ๐๐ฅ๐๐จ๐ค๐๐ ๐๐จ ๐๐ง๐ค๐ช๐๐๐ฉ ๐ฉ๐ค ๐ฎ๐ค๐ช ๐๐ฎ ๐๐๐ค๐ฃ ๐๐ก๐ค๐๐๐ก ๐๐ฃ๐ซ๐๐จ๐ฉ๐ค๐ง๐จ๐๐ฏ๐ค๐ฆ๐ฑ๐ต๐ฆ๐ฅ ๐ฐ๐ฏ 1 ๐๐ฆ๐ค 2025, ๐ต๐ฉ๐ฆ ๐๐ช๐ฐ๐ฏ๐๐ญ๐ฐ๐ฃ๐ข๐ญ ๐๐ช๐ฏ๐จ๐ข๐ฑ๐ฐ๐ณ๐ฆ ๐๐ฉ๐บ๐ด๐ช๐ค๐ข๐ญ ๐๐ฐ๐ญ๐ฅ ๐๐ถ๐ฏ๐ฅ ๐ช๐ด ๐๐ช๐ฏ๐จ๐ข๐ฑ๐ฐ๐ณ๐ฆโ๐ด ๐ง๐ช๐ณ๐ด๐ต ๐ฑ๐ฉ๐บ๐ด๐ช๐ค๐ข๐ญ ๐จ๐ฐ๐ญ๐ฅ ๐ง๐ถ๐ฏ๐ฅ ๐ต๐ฉ๐ข๐ต ๐ช๐ด ๐ช๐ฏ๐ด๐ถ๐ณ๐ฆ๐ฅ ๐ข๐ฏ๐ฅ ๐ข๐ญ๐ญ๐ฐ๐ค๐ข๐ต๐ฆ๐ฅ ๐จ๐ฐ๐ญ๐ฅ ๐ช๐ด ๐ด๐ฆ๐ค๐ถ๐ณ๐ฆ๐ญ๐บ ๐ท๐ข๐ถ๐ญ๐ต๐ฆ๐ฅ ๐ช๐ฏ ๐๐ช๐ฏ๐จ๐ข๐ฑ๐ฐ๐ณ๐ฆ. ๐๐ช๐ฏ๐ฅ ๐ฐ๐ถ๐ต ๐ฎ๐ฐ๐ณ๐ฆ ๐ข๐ฃ๐ฐ๐ถ๐ต ๐ต๐ฉ๐ฆ ๐๐ถ๐ฏ๐ฅ ๐ข๐ต https://yahlahbut.short.gy/LGI-goldfund๐ฟ๐๐จ๐๐ก๐๐๐ข๐๐ง โ ๐๐๐ค๐ฃ ๐๐ก๐ค๐๐๐ก ๐๐ฃ๐ซ๐๐จ๐ฉ๐ค๐ง๐จ ๐๐๐ข๐๐ฉ๐๐๐๐ฉ๐ช๐ด ๐ข๐ฅ๐ท๐ฆ๐ณ๐ต๐ช๐ด๐ฆ๐ฎ๐ฆ๐ฏ๐ต ๐ฉ๐ข๐ด ๐ฏ๐ฐ๐ต ๐ฃ๐ฆ๐ฆ๐ฏ ๐ณ๐ฆ๐ท๐ช๐ฆ๐ธ๐ฆ๐ฅ ๐ฃ๐บ ๐ต๐ฉ๐ฆ ๐๐ฐ๐ฏ๐ฆ๐ต๐ข๐ณ๐บ ๐๐ถ๐ต๐ฉ๐ฐ๐ณ๐ช๐ต๐บ ๐ฐ๐ง ๐๐ช๐ฏ๐จ๐ข๐ฑ๐ฐ๐ณ๐ฆ. ๐๐ต ๐ช๐ด ๐ง๐ฐ๐ณ ๐ช๐ฏ๐ง๐ฐ๐ณ๐ฎ๐ข๐ต๐ช๐ฐ๐ฏ ๐ฐ๐ฏ๐ญ๐บ ๐ข๐ฏ๐ฅ ๐ช๐ด ๐ฏ๐ฐ๐ต ๐ข ๐ณ๐ฆ๐ค๐ฐ๐ฎ๐ฎ๐ฆ๐ฏ๐ฅ๐ข๐ต๐ช๐ฐ๐ฏ, ๐ฐ๐ง๐ง๐ฆ๐ณ ๐ฐ๐ณ ๐ด๐ฐ๐ญ๐ช๐ค๐ช๐ต๐ข๐ต๐ช๐ฐ๐ฏ. ๐ ๐ฐ๐ถ ๐ด๐ฉ๐ฐ๐ถ๐ญ๐ฅ ๐ณ๐ฆ๐ข๐ฅ ๐ต๐ฉ๐ฆ ๐ฑ๐ณ๐ฐ๐ด๐ฑ๐ฆ๐ค๐ต๐ถ๐ด ๐ข๐ท๐ข๐ช๐ญ๐ข๐ฃ๐ญ๐ฆ ๐ข๐ต ๐ธ๐ธ๐ธ.๐ญ๐ช๐ฐ๐ฏ๐จ๐ญ๐ฐ๐ฃ๐ข๐ญ๐ช๐ฏ๐ท๐ฆ๐ด๐ต๐ฐ๐ณ๐ด.๐ค๐ฐ๐ฎ ๐ฃ๐ฆ๐ง๐ฐ๐ณ๐ฆ ๐ฅ๐ฆ๐ค๐ช๐ฅ๐ช๐ฏ๐จ ๐ธ๐ฉ๐ฆ๐ต๐ฉ๐ฆ๐ณ ๐ต๐ฐ ๐ช๐ฏ๐ท๐ฆ๐ด๐ต ๐ช๐ฏ ๐ต๐ฉ๐ฆ ๐ง๐ถ๐ฏ๐ฅ. ๐๐๐ ๐๐ช๐ฃ๐'๐จ ๐ฃ๐๐ฉ ๐๐จ๐จ๐๐ฉ ๐ซ๐๐ก๐ช๐ ๐ข๐๐ฎ ๐๐๐ซ๐ ๐๐๐๐๐๐ง ๐ซ๐ค๐ก๐๐ฉ๐๐ก๐๐ฉ๐ฎ ๐๐ช๐ ๐ฉ๐ค ๐๐ฉ๐จ ๐ฃ๐๐ง๐ง๐ค๐ฌ๐๐ง ๐๐ฃ๐ซ๐๐จ๐ฉ๐ข๐๐ฃ๐ฉ ๐๐ค๐๐ช๐จ (๐ฅ๐ง๐๐ข๐๐ง๐๐ก๐ฎ ๐๐ฃ ๐๐ค๐ก๐ (๐๐จ ๐๐๐๐๐ฃ๐๐ ๐๐ฃ ๐ฉ๐๐ ๐ฅ๐ง๐ค๐จ๐ฅ๐๐๐ฉ๐ช๐จ)), ๐ฌ๐๐๐ฃ ๐๐ค๐ข๐ฅ๐๐ง๐๐ ๐ฉ๐ค ๐๐ช๐ฃ๐๐จ ๐ฌ๐๐ฉ๐ ๐ข๐ค๐ง๐ ๐๐๐ซ๐๐ง๐จ๐๐๐๐๐ ๐ฅ๐ค๐ง๐ฉ๐๐ค๐ก๐๐ค๐จ. ๐๐ฏ๐ท๐ฆ๐ด๐ต๐ฎ๐ฆ๐ฏ๐ต๐ด ๐ช๐ฏ๐ท๐ฐ๐ญ๐ท๐ฆ ๐ณ๐ช๐ด๐ฌ๐ด ๐ช๐ฏ๐ค๐ญ๐ถ๐ฅ๐ช๐ฏ๐จ ๐ต๐ฉ๐ฆ ๐ฑ๐ฐ๐ด๐ด๐ช๐ฃ๐ญ๐ฆ ๐ญ๐ฐ๐ด๐ด ๐ฐ๐ง ๐ต๐ฉ๐ฆ ๐ฑ๐ณ๐ช๐ฏ๐ค๐ช๐ฑ๐ข๐ญ ๐ข๐ฎ๐ฐ๐ถ๐ฏ๐ต ๐ช๐ฏ๐ท๐ฆ๐ด๐ต๐ฆ๐ฅ. ๐๐ช๐ฐ๐ฏ ๐๐ญ๐ฐ๐ฃ๐ข๐ญ ๐๐ฏ๐ท๐ฆ๐ด๐ต๐ฐ๐ณ๐ดยฎ ๐๐ช๐ฎ๐ช๐ต๐ฆ๐ฅ (๐๐๐/ ๐๐ฆ๐จ๐ช๐ด๐ต๐ณ๐ข๐ต๐ช๐ฐ๐ฏ ๐๐ฐ. 198601745๐)๐ฟ๐๐จ๐๐ก๐๐๐ข๐๐ง - ๐๐๐ง๐๐ฝ๐๐ฃ๐ ๐๐๐ฃ๐๐๐ฅ๐ค๐ง๐ ๐๐ง๐๐ซ๐๐ฉ๐ ๐๐๐ข๐๐ฉ๐๐๐๐ฉ๐ช๐ด ๐ข๐ฅ๐ท๐ฆ๐ณ๐ต๐ช๐ด๐ฆ๐ฎ๐ฆ๐ฏ๐ต ๐ฉ๐ข๐ด ๐ฏ๐ฐ๐ต ๐ฃ๐ฆ๐ฆ๐ฏ ๐ณ๐ฆ๐ท๐ช๐ฆ๐ธ๐ฆ๐ฅ ๐ฃ๐บ ๐ต๐ฉ๐ฆ ๐๐ฐ๐ฏ๐ฆ๐ต๐ข๐ณ๐บ ๐๐ถ๐ต๐ฉ๐ฐ๐ณ๐ช๐ต๐บ ๐ฐ๐ง ๐๐ช๐ฏ๐จ๐ข๐ฑ๐ฐ๐ณ๐ฆ. ๐๐ฉ๐ฆ ๐ช๐ฏ๐ง๐ฐ๐ณ๐ฎ๐ข๐ต๐ช๐ฐ๐ฏ ๐ฑ๐ณ๐ฐ๐ท๐ช๐ฅ๐ฆ๐ฅ ๐ฉ๐ฆ๐ณ๐ฆ ๐ช๐ด ๐ช๐ฏ๐ต๐ฆ๐ฏ๐ฅ๐ฆ๐ฅ ๐ง๐ฐ๐ณ ๐จ๐ฆ๐ฏ๐ฆ๐ณ๐ข๐ญ ๐ค๐ช๐ณ๐ค๐ถ๐ญ๐ข๐ต๐ช๐ฐ๐ฏ ๐ข๐ฏ๐ฅ/๐ฐ๐ณ ๐ช๐ฏ๐ง๐ฐ๐ณ๐ฎ๐ข๐ต๐ช๐ฐ๐ฏ๐ข๐ญ ๐ฑ๐ถ๐ณ๐ฑ๐ฐ๐ด๐ฆ๐ด ๐ฐ๐ฏ๐ญ๐บ, ๐ข๐ฏ๐ฅ ๐ด๐ฉ๐ข๐ญ๐ญ ๐ฏ๐ฐ๐ต ๐ฃ๐ฆ ๐ณ๐ฆ๐จ๐ข๐ณ๐ฅ๐ฆ๐ฅ ๐ข๐ด ๐ข๐ฏ ๐ฐ๐ง๐ง๐ฆ๐ณ, ๐ณ๐ฆ๐ค๐ฐ๐ฎ๐ฎ๐ฆ๐ฏ๐ฅ๐ข๐ต๐ช๐ฐ๐ฏ, ๐ด๐ฐ๐ญ๐ช๐ค๐ช๐ต๐ข๐ต๐ช๐ฐ๐ฏ ๐ฐ๐ณ ๐ข๐ฅ๐ท๐ช๐ค๐ฆ ๐ต๐ฐ ๐ฃ๐ถ๐บ ๐ฐ๐ณ ๐ด๐ฆ๐ญ๐ญ ๐ข๐ฏ๐บ ๐ฑ๐ณ๐ฐ๐ฅ๐ถ๐ค๐ต ๐ข๐ฏ๐ฅ ๐ด๐ฉ๐ข๐ญ๐ญ ๐ฏ๐ฐ๐ต ๐ฃ๐ฆ ๐ต๐ณ๐ข๐ฏ๐ด๐ฎ๐ช๐ต๐ต๐ฆ๐ฅ, ๐ฅ๐ช๐ด๐ค๐ญ๐ฐ๐ด๐ฆ๐ฅ, ๐ค๐ฐ๐ฑ๐ช๐ฆ๐ฅ ๐ฐ๐ณ ๐ณ๐ฆ๐ญ๐ช๐ฆ๐ฅ ๐ถ๐ฑ๐ฐ๐ฏ ๐ฃ๐บ ๐ข๐ฏ๐บ ๐ฑ๐ฆ๐ณ๐ด๐ฐ๐ฏ ๐ง๐ฐ๐ณ ๐ธ๐ฉ๐ข๐ต๐ฆ๐ท๐ฆ๐ณ ๐ฑ๐ถ๐ณ๐ฑ๐ฐ๐ด๐ฆ. ๐๐ข๐ณ๐ช ๐๐ฏ๐ท๐ฆ๐ด๐ต ๐ช๐ด ๐ฏ๐ฐ๐ต ๐ข ๐ฅ๐ฆ๐ฑ๐ฐ๐ด๐ช๐ต ๐ฑ๐ณ๐ฐ๐ฅ๐ถ๐ค๐ต. ๐๐ฏ๐ท๐ฆ๐ด๐ต๐ฎ๐ฆ๐ฏ๐ต ๐ฑ๐ณ๐ฐ๐ฅ๐ถ๐ค๐ต๐ด ๐ข๐ณ๐ฆ ๐ฏ๐ฐ๐ต ๐ช๐ฏ๐ด๐ถ๐ณ๐ฆ๐ฅ ๐ฃ๐บ ๐ต๐ฉ๐ฆ ๐๐๐๐. ๐๐ญ๐ญ ๐ช๐ฏ๐ท๐ฆ๐ด๐ต๐ฎ๐ฆ๐ฏ๐ต๐ด ๐ค๐ฐ๐ฎ๐ฆ ๐ธ๐ช๐ต๐ฉ ๐ณ๐ช๐ด๐ฌ๐ด, ๐ช๐ฏ๐ค๐ญ๐ถ๐ฅ๐ช๐ฏ๐จ ๐ต๐ฉ๐ฆ ๐ณ๐ช๐ด๐ฌ ๐ต๐ฉ๐ข๐ต ๐บ๐ฐ๐ถ ๐ฎ๐ข๐บ ๐ญ๐ฐ๐ด๐ฆ ๐ข๐ญ๐ญ ๐ฐ๐ณ ๐ฑ๐ข๐ณ๐ต ๐ฐ๐ง ๐บ๐ฐ๐ถ๐ณ ๐ช๐ฏ๐ท๐ฆ๐ด๐ต๐ฎ๐ฆ๐ฏ๐ต.๐ข๐ป๐ฒ ๐ฆ๐ต๐ถ๐ผ๐ธ ๐ง๐ต๐ถ๐ป๐ดHaresh: Telling Is Listening: Ursula K. Le Guin on the Magic of Real Human ConversationTerence: Capitalism and Its Critics by John CassidyNatalia: Klara and the Sun by Kazuo Ishiguro๐ช๐ผ๐ฟ๐ธ ๐๐ถ๐๐ต ๐๐!Drop us an email at