Passionately M

  In an era dominated by digital commerce, online shopping has become an integral part of our lives. From groceries to gadgets, the internet offers an expansive marketplace, bringing convenience and choice to consumers worldwide. However for individuals without access to debit or credit cards and traditional bank accounts, this digital revolution often feels like an exclusive club to which they do not have a membership. In this blog, I endeavor to bring attention to the pressing need for more inclusive payment options in the online realm. Here are some of practical, secure, and innovative alternatives that have the potential to make online shopping accessible to everyone, regardless of their financial circumstances. 1. Digital Wallets: Empowering the Unbanked One of the most promising solutions lies in the development of digital wallets tailored for the unbanked population. These digital wallets can be funded through cash deposits at local stores or retail outlets, effectively bypassi

It is a challenging time so many businesses are closing. If you are an expatriate in a foreign country and suddenly you receive a letter that you will be laid off, it is like a nightmare. Worse is when you have a family to survive and some payables to meet -- credit cards, loans, mortgaged property, car dues, etc. Unless you are well-prepared for this scenario, it is really unthinkable. Only today, there are some news articles showing contents that  some bank branches will close so it means many employees will lose jobs. The closing of many businesses contributes also to this because banks generate revenues by investing the deposits of companies and individuals, mostly employees, that will give high returns. It is sad to know that even the financial institutions that handle money also get vulnerable. Normally when other industries are 'sick', the banks are there to lend resources so they can recover. They play the 'doctor' role. But if the doctor is sick, who