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Thursday, 16 August 2018

马哈迪Vs邓小平


敦马哈迪刚上任的時候,倒是有点像邓小平。他看来有可能像邓小平那样。在四十年内把一个国家,民族。打造成一个高竞爭力的国家及民族。

如果敦马成功如邓小平那样。把一个相对貧窮国家民族,在短短四十年內改造成世界第二大经济体。敦马在马来西亚及马来民族中与其他首相有不一样的历史地位。

敦马哈迪和邓小平有什么共同点呢。照我看,有四样:

1) 邓小平三起三落。
敦马哈迪三次离开巫统。

2) 邓小平第三次复出後,首先要求管教育及科学。

敦马哈迪再次任首相後,最先要求成为教育部長。也委任年轻高学历的楊美盈管科学。

虽然敦马最後沒有成为教育部長,邓小平也沒當教育部長。中国當年教育部長另有其人。

邓小平重视科学学術人材。重新啟動科学理事会。




當年中国暫停高考多年。科学理事会建议恢复高考。让年轻人重上大学。

不过至今沒看到马来西亞教育部释放人材,也沒有觧决大学学额不足问题。當然,大学生失业问题也有待努力。

3) 邓小平上任後第一个出访国家是曰本。
敦马哈迪上任後第一个出访的国家也是曰本。




不过邓小平到曰本坐了新干缐。四十年後。中国已可以出囗高鉄了。
敦马哈迪去曰本是要取消东鉄,幸好过後他重提泛亚铁路。

短短三个月内第二次出访曰本,这次终於去了日本鉄路公司。

4) 邓小平比蘇联早十年看出共产主义行不通。改革开放中国经济。使中国在四十年内成为世界经济第二强国。

经济部長阿兹敏宣佈希盟政府正在检纣新经济政策及前新经济模式。他说"这一直是我们在雪兰峩州实践的经济政策。"



不过他後来却说要开"土著与国家未来大会"。
邓小平开科学理事会。希盟开"土著与囩家未来大会"!

以上四点来看。
敦马在马来西亚及马来族群历史会不会有如邓小平在中国经济历史中的地位。使马来西亚马来族群成为有竞爭力的国家民族。

百曰新政已过。且看四年後。

Thursday, 2 August 2018

Maybank has upper hand in ewallet war in Malaysia

Maybank aggressively marketing it ewallet by acquiring merchant via it vast branch network with great success.

Even in as early as March 2018. The Star already reported a Financial Times survey that Maybank is leading ewallet player in Malaysia.




You may see Maybank QR code at a lot of retail outlet, especially, in smaller town like Ipoh. It is interesting to see whether CIMB's touch & Go, after teaming up with Alipay or Ant Finance. How to play a catch up game.

Unlike all credit card and debit card. Maybank waive all transaction fee to encourage people promoting and using it product. compare to  recently launch WeChat Pay announced a charges levy on each transaction recently.

However, user and consumer in Malaysia still lack of interest in cashless society. Thus, you may have merchant but not user nor consumer.

ewallet player in Malaysia loss an opportunity to fire up a Green Packet war during recent Hari Raya, a technic  use by China AliPay and Wechat Pay to fight for market share.

It is interesting to seeAliPay and WechatPay will launch an Ang Pau war in Malaysia in coming
Chinese New Year. Maybank, be ready!