Is Phone-based Two Factor Authentication Secure?

02 Nov 2015 Posted by: admin @

Gmail two factor authentication requires you to enter an SMS sent to your handphone before you can use Gmail on a new computer. This means that hackers needs to have your hand-phone and password before they can access your Gmail. Sounds safe?

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Juris Mindcraft: Predicting the Stock Market

26 Mar 2015 Posted by: John Lim @

As part of our R&D efforts with Mindcraft AI, we have tried to predict the movement of KLSE shares using our Artificial Intelligence engine.

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The Impact of Malaysia's GST Implementation: Comparing with Singapore.

07 Apr 2014 Posted by: KJ @

Malaysia is implementing a goods and services tax (GST) in April 2015. Some people believe that it will have an extremely adverse affect on Malaysians and on the economy. Others believe there will be a 6 month slump, then things will normalize.

Rather than debating the effect of GST, I prefer to compare the experience of our neighbouring country, Singapore….

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Collection strategies: Self cure strategy and Data mining

05 Feb 2014 Posted by: Shahram Sabzevari @

Financial institutions face the challenge of managing the growing numbers of delinquent customers, while maintaining or cutting operational costs in the debt recovery process. In order to better understand the customers repayment behavior, it would be ideal to group the customers based on their socio economic status and financial obligations. The approach to grouping customers to their respective profiles could be done through the use of data mining and scoring techniques. We are able to segment the customers and design an adequate collection strategy for each segment effectively. Within the new business models, there is a need for more proactive and effective collection and recovery strategies, by utilizing today’s flexible, responsive operational and IT systems to provide the agility and facilitate the respond to new and emerging risks in the market and empower the organization to deal with legacy risks inherited from earlier years.

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Full Text Search with Sphinx

08 Jan 2014 Posted by: admin @

We are using Oracle Text for full text search. Now that we are using other databases such as DB2, MySQL, etc, we need to consider using the native database API, or standardize on the 3rd party full text search software.

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Farewell Nelson Mandela

06 Dec 2013 Posted by: admin @

Farewell Madiba!

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SELL ALL signal revisited

04 Dec 2013 Posted by: John Lim @

A few months ago, I discussed using the 250-day moving average of the KLSE to detect when the market is going bad and it is better to sell all your stocks. It appears that several other people have come to similar conclusions…

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Common sense investing and being contrarian

05 Nov 2013 Posted by: KJ @

One of the weird things people say all the time is that to succeed in investment, you need to be a contrarian…

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Detecting a major drop in the Stock Market: the SELL ALL signal!

17 Oct 2013 Posted by: John Lim @

I have noticed that there are times when the KLSE drops so badly that even if you are a value investor, it makes sense to sell everything and wait till the stock market recovers. The problem is how to detect when the drop is a major fall, or just a twinge in the market. This chart suggests that detecting this is possible…

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How do credit card companies make money?

16 Oct 2013 Posted by: admin @

Ever wonder how credit card companies make money? Checkout the infographics here.

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US Debt Ceiling, QE Tapering and Malaysian Reforms

14 Oct 2013 Posted by: KJ @

Well we’re into the final days of the unresolved US debt ceiling crisis. The Republicans today still continue to refuse to honour their debt obligations to the world. However most people believe that the Republicans will fold like a deck of cards and give in at the last minute. But there are consequences…

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NUMA and database headaches

14 Oct 2013 Posted by: admin @

NUMA stands for non-uniform memory access. It is a memory architecture for multiple CPU systems where some memory is local to specific CPUs, and accessing remote memory (which is local to another CPU) is slower. This is commonly found in 8-CPU systems. Apparently many databases have problems using NUMA…

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Twitter Bootstrap

26 Sept 2013 Posted by: admin @

Twitter Bootstrap is a CSS and Javascript framework for creating light-weight web-sites. It provides useful layouts and UI components and supports both desktop and mobile browsers.

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Malaysia ties with S. Korea in Global Dynamism Index 2013

17 Sept 2013 Posted by: KJ @

Given that Malaysia has the fallen behind economically compared to Singapore and South Korea, it is a pleasant surprise that the latest Global Dynamism Index puts Malaysia on par with South Korea, tied at 13th, and just behind Singapore. Last year, in 2012, Malaysia was 23rd, South Korea 8th, and Singapore 1st.

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The Contrary View

12 Sept 2013 Posted by: admin @

I had an interesting read from John entitled The New Malaysian Economic Dilemma. As always, there is no right or wrong in economic theory. An expert may forecast an economy’s performance with perfect sense and reasoning but the actual outcome may be in total contrary with the forecast. So what I am doing here is to offer some contrary view from John’s advice.

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Morning Thought

12 Sept 2013 Posted by: admin @

This morning I heard from BFM that Malaysia household debt is at 83% of GDP and Bank Negara said that it is still manageable. However, what Bank Negara failed to realize is, Malaysian households do engage borrowings from non-financing institution like private lending companies (both licensed and illegal), leasing companies and many other forms of borrowing such as from family and peers, salary advances, company borrowings which are all not under the purview of Bank Negara. Coupled with the recent fuel hike, we will definitely see the CPI on the raise.

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Marc Faber still Positive about Malaysia

11 Sept 2013 Posted by: KJ @

Marc Faber is a famous contrarian fund manager that invests in globally. His nickname is Dr Doom. Apparently he’s still bullish about Malaysia: Malaysian banks solid, says investment guru.

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Software Design: The Art of Unix Programming

11 Sept 2013 Posted by: John Lim @

Eric Raymond is a titan in the Open Source world. He also helped codify a lot of the programming methodologies that developed out of the world of Unix and Linux. He wrote a book about this, which he graciously open sourced, called the The Art of Unix Programming.

The best bits are in Chapter 1, the Basics of the Unix Philosophy.

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Cost of Funds Increasing

11 Sept 2013 Posted by: KJ @

In the previous article on the Malaysian dilemma, I mentioned that the cost of funds for the Malaysian government would rise in the near future.

It has already happened in Indonesia. Bloomberg posted an article yesterday stating Indonesian yields (profit rates) for sukuk bonds have nearly doubled since November 2012, from 3.3% to 6.125%.

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The New Malaysian Economic Dilemma

09 Sept 2013 Posted by: KJ @

Since the global economic train wreck of 2007-2008, the world economy has been on treated to large doses of cheap money (monetary easing), and more government spending (fiscal stimulus). Unfortunately, the side-effects of this medicine have distorted many areas of the economy.

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Welcome to Business Insights

09 Sept 2013 Posted by: admin @

The Business Insights Idea Centre is a blog that covers financial and business issues in Malaysia and the World. The focus will be on writing in clear English, avoiding jargon as much as possible.

To make it more interesting, we will try to make it relevant to investors by including some personal financial tips in each article…

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Software Design: Worse is Better

09 Sept 2013 Posted by: John Lim @

For the first few articles in the Innovation & Technology blog, I will write about a few methodologies that I think are worth writing about.

One school of thought is that good engineering is about find the right solution, exemplified by the term “Do the Right Thing”. This is what we are taught in school, and trained to do in the multiple-choice exams we are subjected to from young.

Conversely, the concept known as “worse is better” holds that in software design (and perhaps in other arenas as well) it is better to start with a minimal creation and grow it as needed. Making mistakes along the way is okay, provided that these mistakes don’t kill you, and you can fix them as you go along. I like this organic concept, and it is a cornerstone of my development philosophy.

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