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GX Digital Bank 2024

Grab disrupted Taxi business offering exorbitant fares. Consumer are the biggest winner. Taxi market are now much more balanced without too much taxi on the road and too expensive for average people as consumer shifted to e-hailing as they always know e-hailing is for the good of next generation.


The paradigm shift did not encourage more taxi to use metered fare. Consumer felt cheated as Taxi quotes unrealistic fare price.

Without emergence of Grab, there will be more taxi on the road, more unsustainable fare quote, probably more Traumatized consumer and Sad Tourists. But with Grab, there will be competition for Uber, metered fare quote, job creation for food delivery and ride-hailing.

Despite all that, today we are not going to talk about Grab listed on NASDAQ in USA. Today, we are going to talk about Grab's first digital bank in Malaysia.

Gxbank card

Grab X Singtel X Kuok Brothers were the talk of the town. Will Digital Bank provides value added service to Consumer much more than traditional bank ?? Instead of initial deposit of RM500 to open a bank account in a traditional bank, it seem like GX Digital Bank have the technological capability and resources opening a savings account without the need to be physical presence and in contact with bank staff. 

Opening up a letter from GX Bank

As i ponder, did the traditional banks have been earning too much profits ? In fact, they do earn lots of money and the best and brightest often wanted to secure a job in a bank. Having a Digital Bank in the market somehow make us less dependent on the "Too big to fail" organization. 

There are so much competition in this Digital Banks. Just to name a few, Aeon Bank, Boost Bank even the Touch N Go have some similarity. 

GX Digital Bank Card on Watson malaysia

Never in my Life I have a Bank card with a Cash Back Feature. I just need to try it out in local store buying some body soap. 

Honestly, Grab as a company does not earn lots of profit based on their stock market performance in USA. Their brands and values however, bring enormous impact to other people lives. 

Coronavirus Lockdown at Kuala Lumpur

Photo taken after 2 months from 16 March 2020. I live through the horror of Coronavirus disease at Kuala Lumpur

At the height of coronavirus, i found myself staying at Kuala Lumpur. The city i adore very much. I took a rest and went too far as much as six months of unemployment. Technically, no one was looking for jobs anyways. I am not living on any unemployment benefit though nor any help from any sources. 

Everyone can live in Kuala Lumpur during the good times right ?? How about living in Kuala Lumpur "At the height of Covid 19 pandemic" just like the title suggests

This is the best time living in Kuala Lumpur amid prevalence of Covid 19. Be able to witnessed the capital city of Malaysia, Kuala Lumpur fought Coronavirus disease.

The city get so quiet and much lesser cars on the road. Although everyone stay at home, food delivery business were still operable.

All the zombie movie fans out there or those believe in the end of time. I got good news for all of you. You get what you wish for all this time and they have been listening. The pandemic measures are likened to a hollywood zombie movie. 

The pandemic landed unexpectedly. I find it ironic that no one actually celebrating as we get what we wish for. An once in your lifetime to experience weeks of isolation and despair. 

Enhanced movement control order

The situation was a little bit intense when authorities announced Enhanced version of movement control order. Barbed wire were used to block certain area deemed red zone !

I never believe Coronavirus will be the end of humankind. I have high hope it will be just 1 month event. Just like the bird flu H1N1 we had in the recent past. 

However, It proved to be very wrong as World Health Organization (WHO) announced the pandemic is over after 3 years. Do you see the similarity in 1918 flu pandemic ? We can safe to say it boldly

                       Coronavirus 2020 - 2023

Back to myself, what i did believe was that it could somehow infected me somewhere at the airport. So i made a decision not to go back to my parents home as it take an airflight to go there.

As if i did went back to my parent house and mistakenly with the disease, the consequences will be just unbearable.

Surgical mask become a viral product and a necessity. Anyone without a mask were prohibited to enter premises such as Shopping Mall or public transportation. 

Look closely to the imagery, 10 pieces of mask were selling at rm9.90. Rm1 for 10 masks. 

Instead of going back, i explore the city in hope that one day, everything is going to be fine. What i found in the city were Malaysian authorities were trying very hard to develop Kuala Lumpur. 

Social distancing were easy as everyone were wary of going out. 

If Coronavirus disease is a great lesson will it strike us 2 times in our lifetime ?

I hope we will be more prepared like got myself 5 years of saving to ward off any famine situation.

 A signboard with words " Stop The Covid-19 Transmission "

How many of us have 3 years of savings? I know i do not have it. 3 years was how long it took for World Health Organization declared
Coronavirus is over. 

If you ask me throughout the pandemic, did anyone help me ??

I always grateful to those who helped me get through it. Yes, i am the one who need all the help.

I remember vividly during the ramadan month, charity groups were sending out meals and drinks. As one of the recipient, i wanted to say thanks you very much !

Strangers wearing a pair of plastic glove, avoiding any physical contact through hands

If you ask me if pandemic ever come again, would i do it all again ?

I probably would run out of Luck. I dont think  will ever meet the same nice people again at Kuala Lumpur.

As for about me flying back to parent home, i will firmly reject any possible contact with my family. So no airport and no family. Just me and my backpack.

1 Month before Covid 19 Pandemic at Singapore

All Photos were captured before April 7, 2020 Singapore Circuit Breaker Measures and Malaysia Movement Control Order March 16, 2020

I think the Covid 19 Measures had destroyed more life than the illness. Is it worth it ? Is the outcome yield better without Covid 19 Measures ?

1. Yishun Hospital March 2020

Preparation for Covid 19 pandemic. I remember vividly the security guard was trying to ask something. I guess Pandemic makes him think twice to get closer to me and shun me away

2. Woodland Clinic

As you can clearly see in the photo above, it was year 2020 Rat Year. Usually there were no customer service desk outside.

3. The Shoppes - Marina Bay Sands

3 manned Surveillance Camera at entrance checking body heat of potential Covid 19 Human Carrier. 

4. Donned Personal Protective Equipment

Not a everyday scene !

5.  9 Days before Malaysia implemented MCO

Photo were taken March 7, 2020. Outdoor Exercise is always nice during the good weather

6. Tourist Attraction

Photo were taken March 7, 2020. This was exactly one month before Singapore implemented Circuit Breaker measure or CB

Not much crowd though, it felt different. People were wary of the pandemic news.

7. Sentosa Beach

Photo taken March 14, 2020. Countless good weather have been missed. Tourism Industry was deeply affected !

This was 2 days before MY Movement Control Order and 23 days before SG Circuit Breaker

8. 3 Day after Malaysia Implemented MCO

Photo taken 19 March 2020, it does not seem affecting SG people movement. It seem like the great fear affected more on Malaysian than Singaporean.

18 days before Singapore enforces Circuit Breaker

On 16 March 2020, the day Malaysian authorities implemented movement control order, there were huge stock market movement and it could have been a crash in stock market.

9. 18 Days Before Singapore implementing Circuit Breaker

Photo were taken on 19 March 2020. Great weather at Garden by the bay !

10. Quarantine and Vaccination are the new outdoor activities

The only legal way to get outside during the pandemic was getting infected and being sent to quarantine facility. Everyone advised to stay indoor as much as possible !

Mention about new outdoor activity, the compulsory vaccine is a great activity too ! 

This article provides you a historical imagery of the past. Not a fictional and none were edited.

10 Development Projects in Malaysia 2023

 1.Rapid Transit System (RTS link)

The traffic congestion on peak season at causeway is in bad shape. The rising needs to cross border visiting loved ones, work purpose and leisure have been causing heavy congestion at Johor and Singapore Causeway.

A Light Rail Transit project will be benefiting both countries. 

2. LRT 3 Shah Alam Line

Light Rail Transit Shah Alam project is very much anticipated by the Klang and Shah Alam residents. As if environment is in danger of destruction due to car fumes then this is possibly one of the best solution out there. 

Increasing numbers of environmental activism in recent year and car factory could not cope with the demands for a personal vehicle, it seem like LRT 3 Shah Alam could help address these rampant issues.

3. IBN bukit bintang

A high-rise building to help attract high income individual to stay here providing local employment and spur local economic activity

4. R&F Princess Cove Phase 2

Our sea side need to be beautify in order to attract tourism activity. Tourism income is a huge investment. 

5. Antara Genting

Development leads to creation of local employment for future generation ! In order to become a high income nation, it requires more development !!

6  Tropicana Windcity

Development always bring good investment as future generation dream is at stake. We can have more oil palm trees as well as more hotel rooms as there are demand out there !

7 Core Residence at Exchange 106

The upcoming Malaysia International Financial District and new Kuala Lumpur Central Business District requires lots of top notch facilities and amenities !

8. Riveria City

A very unique residential development as the Kuala Lumpur Monorail tend to pass through the building. One can clearly see there is a overhead monorail rail track.

9. Aset Kayamas x Genting

Economy never really fail to recover at least for the western world ! Their market is always on the rise. We must stay ahead and build more attraction as foreign tourist might shift their focus and other nation can easily build and replace us as top tourism destination !

10. Skyline Kuala Lumpur

So much potential and so much to offer ! Unity is always a strength in the end of equation. If we thrive to do what is best in ourselves we will find our way ! 

Skyline Kuala Lumpur is located at Pudu area. Nice development !

The tremendous amounts of development in Malaysia is just mind blowing. 

10 Things about Genting Highlands

1. Take a walk

Don't let all the fancy hotels and restaurants took all your attentions. The best thing about Genting Highlands are the well-maintained road leading up to Genting Grand. Take a walk and feel the Highlands low pressure air.

2. Feel the Breeze

The low pressure air retains less heat from the sun. Creating a cooling effect plus the wind hitting your face just not something you can feel at lowlands. 

3. Take yourself closer to Sun

It just so hot at lowlands somewhere like Kuala Lumpur. Why Genting Highlands air temperature is so much lower ?

Due to air has mass, somehow the air went to lowlands gained lots of masses which retains lots of heats from the sun and all the smoke fumes from car and factory clouded the skies making the air temperature in lowlands very hot.

4. Take the new and old Genting Cable Car

Genting Highlands new Awana cable car will take you from Awana Genting Premium Outlet straight to SkyAvenue Shopping Mall. 

Besides, you can always take the Genting Skyway, the first Genting Cable car when they had a maintenance on the new one. 

5. Spends the Nights with rainflake

The air temperature is even colder at night. At the end of the year, December is when you could witness "rainflake" constantly blocks your windscreen or your eye glasses. 

Likened to snowflakes, rainflake is less cooler version of it. 

6. Booking the Largest Hotel

As if you like to visit Genting Highlands in the month of November and December like everyone else in the world, please do the booking now because even with thousands of rooms on First World Hotel at Genting Highlands Malaysia, the demand is so tremendous can be overbooked for two whole months.

7. Have Fun at Skyworlds Theme Park

20 Fox Century Inspired Theme Park. Due to the company sold to Disney, certainly hope Disney put in names such as Star Wars and Avenger into the park.

8. Reaching Awana station and Genting Premium Outlet

This is the first destination for most of the Genting Highlands visitors. Lots of Luxury Brands Shop here.

9. Take a look at Genting Permai

Most the visitor will come across this place. The second most lively place !!. 

10. Attends Festival and Events

Lots of international artists held their concert at Arena of Stars. If you find entertainment, you will find it at Genting Highlands! They never fail to amazes!