oh my god Heng mine is not like that sia, (ppc), !huh! then the mum not there meh


what the heck (ppc) !huh! she join the zoom class on on another laptop, (hmm), (ppc)


the heck sia, !huh!, cause they dont' want to study lah what the heck you tell him too bad


, (ppc), is he the youngest that you taught


(ppc),


for mine mine still okay lah his attitude is not bad like (ppc) he he is keen to learn like he knows that he's supposed to learn and then he is quite keen like he will listen to you for the first like maybe ten minutes that you are talking, ya so after that it's gone already then then I'm thinking maybe I should change the the teaching plan a bit


(ppc) and like uh maybe like have a short chat with him first for ten to like five minutes then play the video for him then, go into what we're learning today, (ppc) I have to keep it like very like interactive lor if not I think he'll just I'll just lose him lah along the way


, (ppc), ya correct (ppc) really meh no because


oh ya true hor or maybe I should teach first then show video then teach again, okay lah can, you know previously I did I did like slides, and it was like crazy sia I really hundred percent effort to do the slides


I spent like two three hours trying to do the slides, (ppc) then in the end he didn't even finish like a quarter of it, ya lor no choice eh, (ppc)


ya man I think the first day when I taught him right he say my class was interesting I think is because I kept it within half an hour, (ppc)


cannot lah it doesn't work that way sia then I get paid half an hour ah , (ppc)


like (ppc), (ppc), you know I was thinking right cause I ask him where have where he went to in Singapore before because he just came here in july twenty nineteen right, then I asked him where he went before like he said he went to (uh) the (ppc) Universal Studio


the zoo the bird park the river safari night safari, and all these places eh like those places even I haven't been to, you know so I'm like !aiya! where else can I bring you to , (ppc) I think your head lah


I mean it can be done but it's a bit like, (ppc), no lah forget it no


(hmm) , , , (ppc),


why, (ppc),


(ppc) what the heck, bring you there only what not like do what there haha, how old were you then


(ppc) primary school so young, so I I prepare even young ah when he's primary three I bring him there, (ppc)


what the heck, (ppc) , why because you all get to see poly


what the heck what kind of mentality is it, (ppc), but see already it doesn't mean anything what right it's just like it's a building to you only mah


, isn't that a JC why eh


how I know eh why your dad never bring you to JC now you cannot go in to JC, , ,


true that (ppc), drawing what (ppc)


!aiya! this one you tell me before skip, , K (mmhmm) (ppc)


, (ppc) (mmhmm)


why leh, why leh, ya me too, ya sia best job (ppc) right


ya eh she home already meh she never go and work ah, oh then today your dad your dad go work ya I know I know


no ah as in like I got it before lah, , so she didn't go to work then your dad went ah


why (ppc) (hmm), last sunday ah oh so long already haven't recover,


what the heck eh you you ask her to use (ppc) you ask her to use the teabag right, like after you all after you all drink the tea right then you all use the teabags like you keep it cold in the fridge then you put it in onto your eyes right I think it helps with the swell eh


(ppc) , (mmhmm) (ppc) (mmhmm) that's very expensive eh (mmhmm)


(mmhmm) , (ppc)


(mmhmm) (mmhmm) (ppc) , , it's like that one ah,


what the heck sia, eighteen antibiotic no because you all went to the private doctor like you all you all never use the CHAS CHAS card thing is it, then you all never apply


(ppc) go and apply also also better than don't have what, ya


they'll still pay like they'll still subsidize but part of it like not entirely what just part of it ah, (ppc), really meh, [orh]


then what you say, !huh! your mother look at you, (ppc), (hmm) how come she don't know as in she don't know what to do first lah


that's weird though like usually the did the did the doctor give her like eyedrops, ,


antibiotics, (ppc), I thought like need I I never like eaten any I never taken any antibiotics because of my eyes before leh


no ah she get it very often meh, ya lah, but it's it shouldn't it's not supposed to last this long though like you should bring her to see some other doctors already leh this doctor doesn't even help


oh is it, ,


the white blood cell thing ah, I know I know, (ppc)


, you doctor, you sure or not, doesn't come together eh


, , !huh!


confirm their they need to revise their their standard, is it , (mmhmm) (mmhmm) !huh!


so good, you sure or not, (hmm)


why eh, (mmhmm), (mmhmm)


eh but PFP isn't it like you you will go in first then after that [orh] PFP is by n'level result ah, oh,


(mmhmm) extra course , oh then might as well go for o'levels first right, (hmm)


(mmhmm), , ya ,


[orh] , you think too much already right, (hmm)


, confirm gone one ah <mandarin>走路都有风:zou lu dou you feng </mandarin> , what the heck you know you know my friend right like he he's studying as a he's studying to be a doctor like I think you seen him before eh right I don't remember if you seen him before


one of my good friends !huh!, okay nevermind like he's a very very tall guy one of my good friends (ppc) ya, ya and then some more he's he's studying to be a doctor then uh he he's like in


like to be a doctor I think he need to study like five six years eh, then some more because of like family situation right like his dad passed on when he was like, like (ppc) uh one year before his final year his dad passed on then he took like half a semester break


so he now need to graduate like half semester later than his batch, ya because theirs theirs have uh theirs have attachment one what like it's bonded right not meh


it's freaking expensive eh you know his school fees can pay like an entire house sia, legit you can like buy like two three house leh seriously (ppc) NUS


I don't know eh maybe he don't qualify lah I also don't know, err should be worth okay lah cause when his dad is still around I think his dad was an engineer or something, ya go ah go ah quit school


ya but you don't want right, you can but you don't want, ya lor see,


, the heck sia, (hmm) go uni, go uni why then you realise you you don't really like this course


I don't know eh, I don't know eh that's why I ask you go take the business analytics first then you don't want, still think think think think so long for what, (hmm)


, how is it ah just like that lor nothing much leh because it's the intro right so there's quite a lot of err, a lot of uh what you call that like the theory theoretical stuff so, err today he actually introduced us to the this thing called rapid rapid minor ah I don't know if you heard it before


don't know, ya, [orh] summarize ah everything that I learn today ah, err, everything I learn today honestly right


it's very theoretical stuff, like I thought it'll be like hands on like this kind of thing but it's not it's more like the, the theoretical, like the types of analytics there's like four types of analytics being (uh) descriptive predictive text and web


so we we use the the, what is that ah then we will use rapid minor to go and like, filter and use the like analyze, the information and so on lor, ya


his class ah, I think I think the prof tried very hard to be engaging in a sense like he'll he'll like just randomly cold call so if you don't if you don't listen right, and then he calls on you right and then you don't answer


ya, then <mandarin>我自己一个:wo zi ji yi ge </mandarin> lah,


I don't know eh because now is the very basic like the introduction to it so I can't say much about it first but (uh) we got we are given homework leh we got homework sia I think tomorrow look into how business analytics can be used in a HR


got what ah, , what, descriptive


okay <mandarin>那个是那个是:na ge shi na ge shi </mandarin> descriptive diagnosis or something <mandarin>然后:ran hou </mandarin> predictive <mandarin>才:cai </mandarin> prescriptive


(ppc) my future job , no lah it's beyond that it's beyond that


, ya online got a lot of thing one


you need to have the information first before you can like have a data right you know what is data or not it's useful information, K lah bye , (uh) <mandarin>可以挂了吗:ke yi gua le ma </mandarin> bye


okay can you hear me, okay ah so if you want to like interrupt each other hor we just go to be like (ppc) you know what I mean right okay, okay so maybe we start off with talking about uh uh Jervin


no let's talk about Jervin, I don't think so he's like the least political person I know I think


wait wait okay like, okay like like my impression of him like is that he's nice as a friend I guess but like


he's he's like he needs to be in touch with reality more lah you you know what I mean


(ppc) wait wait wait so so your wait his thinking I mean clearly his preferences are not for the mature lah but like I mean, you really think he he's quite mature meh like like my impression of him is like


he's not thinking about the point whereby like err the future you know what I mean he's like he he's still playing around in a sense no future planning in another way lor I guess


he doing what, (uh huh) (uh huh)


[orh] then okay lah I guess, I I don't know leh like like he doesn't seem to be talking about like financial matters or like


I I don't know lah like I just talk to him then then everytime we talk about something it's like it's more like playing that kind or like err small talk lah like like or like NS stuff lor but like I never really talk to him like err like in-depth uh what is he going to do in future you know that kind of stuff


[orh] so he, okay lah then at least okay lah I mean then like that then okay lah cause I I mean I didn't talk to him about all these kind of stuff before lah so my impression of him is like like like he haven't really like think all this out lor


then okay like okay so then then do you think ken is the same or like, different to Jervin I mean like is do you think he's actually plan out his like his stuff or like he's still uh more like you know still fiddling his way around that kind


is he playing switch now or something


wait eh animal crossing fun or not ah I I don't know leh is it worth I was like thinking is it like, ya ya ya is it like worth buying a switch just to play animal crossing you know what I mean like I don't see myself playing any other game on switch then I thinking like !wah! but then like animal crossing seems like my kind of game you know like have you seen stardew valley on on steam


ah ya lah ya lah so like like you know like seeing stardew valley right then I like fuck it's like is it going to be similar enough to like err


wait wait so so so like cause I saw like switch lite there's a switch lite or switch something like that right something like that I think that's what it's called right, ya then I was like thinking like should I like because I don't want to get I think what's the difference is like switch lite is like you can't dock it only right that's the only difference with like the normal one


but it's like what slightly cheaper right I think, I I cannot remember I think two hundred plus ah was it worth


uh personally I might connect if I mean since I already got two monitors on my I did I tell you I buy another monitor by the way


ya so like I mean I got two monitors I I definitely will want to connect lah like so much fucking easy so much easier to play to on a computer screen than on like bloody small ass screen


but ya lah that's why like I I think like plus like I don't know if I got time to play leh that's why like now I working and doing this then like studying for uni the admissions test thing then like !wah! eh then like is it worth or not ah then plus it's like not a cheap investment eh two hundred plus two hundred plus hor and then just for one freaking game you know like !wah! eh a bit stupid ah


ya lah but the thing is like you know I have never bought a console in my life eh you know I never use a console before I never own one console before in my life so like you know like I mean PC is enough for me lah so far lah PC has always been enough for me lah and then like


most of the games can you can find on console you can find it on PC then like a bit like you know ya lah that's the thing that's the thing about nintendo is that because they make everything exclusive hor, then I want to play on PC I don't want to play on err switch cause like damn <mandarin>麻烦:ma fan</mandarin> eh buy one whole new err uh device just to play one freaking game not worth lah I feel really not worth ah so I was like thinking I don't want lah


it is not it's not about the playability lah I feel I I mean it's about mostly whether I myself got time to play in the future you know what I mean


wait ah wait ah let me stop you here ah the thing is you see ah I got so many PC games already dude you know how many PC games I got or not I got like what freaking almost three hundred games on PC already eh


no lah I mean there are some indie games that are pretty good like you see stardew valley was one of them overcooked was good uh then they have like small games here and there that are pretty good lah like really pretty good for enough to last me for a while and actually if I if had more friends to play with I would probably play them more long longer lah like like GTA online that kind you know


and you know there's some some single player games that I probably should have invested more time playing lah like what what's this game called ah, err this one !wah! shit I forgot what's the name uh uh wait ah let me find ah <mandarin>他妈的:ta ma de</mandarin> where was is it ah uh screw me I I can't I suddenly forgot where it was


ah like fallout four I buy already eh


okay lah then like you know kerbal space program that one


I mean not now lah but maybe in the future okay lah but actually but then the thing is you see there's handphone already but handphone already uh it's a bit it it's like a big enough entertainment for me already eh cause like


like what I do on the phone when in the train or whatever right I just spend my time reading articles lor article eh then I've been reading light novels, uh surf facebook lah that kind then like like I I cannot see myself like cramming in another handheld device into my scheduling you you know what I mean


like my life already now like so <mandarin>麻烦:ma fan</mandarin> already so many things to do already then to to invest in a in a what's this called appliance ah then like, no time lah no time no time for it lah I don't want to buy I scared I really invest in something then like no no time not not money sorry no time to play waste the money


ah ya lah so don't but I'm thinking maybe just don't buy lor wait so


wait so so now he holding a switch lah, ya as in he's holding a switch lah so so is he still using it I mean if he doesn't mind maybe I can buy third hand


ya ya fuck I forgot I forgot he playing , shit wait wait so, so animal crossing you can play with your friend one ah


I I got one one uh NS friend ah I I don't think you know him ah but like he's in HQ ah last time then, he's so crazy about animal crossing right he purposely go to those game store lor back when they were still open lah ha he go to the game stores right he purposely go and buy the card leh the character cards you know what I mean


ya ya ya so the the cards will give you like uh villagers, ya ya so you you know how you normally obtain the villagers I believe is like random or something like that right so


cash for the villagers so to get the villagers he want cause he <mandarin>他要:ta yao</mandarin> uh he wants like, good looking villagers so he don't want those Cui Cui kind one, then he purposely go and cash for it


no no he he bought the legit one like he went to the what, what GOG ah GOG ah something like that toy or game ah I don't know what is it I don't know what it called lah, the the you know the you know the one on top of JEM that one the the


ya lor that one so he went that one he buy that one lor then !wah! see he waste money like that like, think like forty dollar ah thirty something ah thirty forty dollar ah


cheaper ah I I not sure ah it's been quite a while already ah, no no they they give him like ten characters or something like that for like twenty thirty dollar, it's stupid lah because it's like a bit of a Gacha lor you never know what card you gonna get so because you can't choose what card you want


a ram it's a ram


dude you need to turn off, you need to turn off your phone vibrations dude


just now when Sanjay text in the group freaking loud you need turn off your phone vibration


it's pretty stupid


true I mean he he took pretty long to develop stardew what but okay one thing I really like about stardew valley is you can form relationships with people, like like not just like like girlfriend like you marry the person that kind of relationship but like


I mean I mean I I didn't mean that lah but !walao! okay can understood but my point is that like you can, give people like gifts then you interact with them then like !wah! you give them on their birthday lah then they get happy you know that kind


then like you it it's also like whereby you can I I like it cause also that that what made that game even better for me was I can play call eh we should play together leh someday


but then in the end he never lah did he actually take back never lah, [orh] as what


[orh] the the previous, that one ah, eh then the others eh the other CSM eh I I I know jordan become HQ CSM but bernie eh


[orh] cause you were in eight sec S one branch lah


that he going eight sec ah


it's not it's not easy to go NDU lah it it it say is like come on like how many people can actually go NDU you need be best damn fit leh I I mean, like it's freaking freaking fit one and like in that time when I go OCS right that that the guy the guy hor crazy fit leh then I was damn shock eh then I felt like I felt like some noob eh you know like how I tell you this story before did I tell you this story before


oh okay so so basically like you know how in like our platoon uh I was like one of the first few to get my IPPT silver


so like uh sorry, okay ya so like so like I I was I remembered like like I was one one of the few that could like do pull-ups you know like eight pull-ups that kind you know, can do pretty well and like can sustain you know that kind !wah! but the moment I step into OCS hor


I shock Tio eh cause the people the performance there even more Hiong eh that guy hor from NDU come over eh, first week right then he go and they had they had like so-called like a challenge like a pull-up challenge eh with the instructors eh the instructor my instructor was a commando commando uh special forces some more


so he like go through the whole Siao shit lah ha basically then commando special forces uh then he sign on to get some money to study one so he is freaking freaking fit one ah then hor this NDU guy hor beat him eh, in pull-ups eh he did I still remember the number because I Chua Tio twenty six pull-ups he did


and then hor and then I still haven't me because they had this , uh basically we did in BMT also lah before before meal uh workout ah what what's that term called I can't remember the term lah but before meal workout thing lah then we supposed to work out ah then uh


the minimum they want us to do right is twelve like they they say lah like before you like graduate from OCS lah you need to do twelve, twelve is like the like like their benchmark lah in a sense !walao! I was like dying eh I was like I could only do eight leh then I like everyday do a bit hor !wah! like cannot sia like I want to die already eh


dinner do once eh sorry lunch do once morning do once dinner do once !wah! do ah until like !wah! I cannot sia I damn tired, like I can tell like everyday I'm doing a bit right then like my energy hor getting lower and lower with everyday that I'm doing like cause there's like no time to


rest your body ah then you just feel more and more Cui cause you just keep doing and doing without resting so your muscle get worse and worse and then like err err you know


what that's a lot eh I thought you only could do like ten or something like previously in B in BMT that time you also didn't do that much right


mostly ya, like as much as possible I go all the way lah but like as much lah as much


personally I got do fully extended like I do I try not to cheat lah because like what what does cheating get me anywhere anyway so I just do fully extend lor to get my so-called max, max proper one you know but ah I only recently then I can managed to pull up to nine pull-ups leh


like previously before that I was like err err like always stuck at eight drop to seven a bit that kind you know like pulling up a bit then drop down again and then like up and down up and down all that then like !wah! Sibeh Sian ah, then hor even my my push-ups hor like the number of push-ups I do also suffer sia it's quite bad lah


okay wait I I mean okay for me right I do I still time myself within the one minute thing you know, I still time myself within that one minute to try and see like, I still time myself within one minute so just to get a rough idea on how much I can do lor in one minute then like recently I just did and it was like thirty eight I guess something like thirty eight like that


wait wait wait so so so like


did you time yourself did you time how much you run in two point four


I quite while never do tabata already ah but like that day I I do weighted weighted squats like hold the weights in my hand then I squats ah I do squats right


!wah! then ah !wah! damn sore sia my muscles then I I next day I couldn't run !wah! then build up to the soreness !wah! then now today my legs like sore sia can feel the soreness of it !wah! damn Jialat


uh if it's actually raining then no lah


elliptical machine is it it's for running one what , yup


[orh] that one wait wait so, wait going back to the what's that guy ah uh, the the stupid thing


so when you were there wait so did #qi yang# actually like work with him well or what


ya you sorry you kind of lagged out for a bit there ya so ya you were saying


true true true I mean I mean that's what I felt also ah from him I can agree with you on the unapproachable part ah really he quite unapproachable one ah like like that always the the the face always so sour then like you you know like how he only joke like he like joke with a few people only lor like most of the time he also not joking with people


like only like some people then he joke with him one or not like most of the time is like he like you know you know what I mean like Meh that kind also like Sian a bit Sian ah work with him I also like !wah! that time also under him


maybe like in his in his head he's like thinking like !wah! okay lah I'm good you know I'm like I'm gonna be good at this you know that kind but then like to others it's like !walao! eh this guy


I mean from what I see lah when he interact with like RSM they all is that he will try and propose his, his his company to do first lah some stuff like the guard duties one sometimes like he'll like oh eh uh <mandarin>我做的:wo zuo de</mandarin> Liao you know


that kind then I I I see him doing that sometimes lah like cause I'm there then got this one time he #kao peh# me say like why is it err cause that time uh RSM wanted to gather like all the CSM together, then then I was like [orh] okay can uh I go and gather then I just told err one of the CSM I think I told like bernie or like jordan uh to like uh err there's RSM looking for all the CSMs


then uh then he was like [orh] okay uh I'll tell the CSMs for you then after that [orh] okay lah thanks lah because like instead of me, literally going one by one to like knock on their doors that kind go and find them and all like message them like and then like like since he offered to do for me then like [orh] okay lah he offered because like


I think they have their own like chat group or something like that then they can just message each other I'm quite sure they have lah then like it's a lot easier lah instead of me like one by one go and message them then like after that they come back right then I was like at the meeting ah, I entered the room then, was like eh why you why you never do your job you err what like why you uh


how come is err this guy uh who who whoever err jordan or bernie messaging to call us to this meeting then I was like !huh! then I I just I wanted to I wanted to rebut him lah rebut him lah but then like (ugh) , !aiya! whatever lah I just diam-diam lah you know like in front of all the CSM other CSMs were there also ah then like I say I shoot back also like a bit #pai kua# then like okay lah whatever lah just diam-diam lah then I just I just !aiya! whatever lah


so ya lor you know the funny thing is my CSMs shag sia he didn't get promoted also with err eric


no okay HQ CSM the S step right is err second warrant <mandarin>的:</mandarin> it's not third warrant, so by right before he leave right he squeeze CSM go what he should be third uh second warrant already


but then because like my my OC not very happy with him lah like he's not happy with his work performance, as much as like see you think like CSM and OC are like on the same level ah actually OC is still much higher in rank than CSM lah like because


like in the sense like CSM is like <mandarin>老二:lao er</mandarin> lah then like OC is still <mandarin>老一:lao yi</mandarin> lah you know what I mean


true you know you know err david was like preparing for a promotion right when he left then that day uh at the err COC ah the change of command parade at for the chief of armour right he he he still Diao at captain


he didn't <mandarin>上:shang</mandarin> he didn't go up lah like his rank didn't go up to major like like he was preparing to go for major cause he buy the rank everything I told you right he how he bought the rank then he put on the table, waiting to go up ah major then end up he still stuck at captain after so long leh like he he left like almost one year already like from from falcon he left for almost about one year already and then he still


err captain then I was like I look at him then I like oh yeah you still then he like awkward awkward one eh at at the uh parade then like he like trying to find people to talk to cause like I think he not many friends also, I think like he trying to find his buddies then like he like never really talk to the forty one people also like he like not close to the forty one people also


then end up I saw him like sit down by himself a few times then he eating his own food quietly sitting there by himself eating food cause I like you see the other people like you can see ah I saw like a few of the other OCs like the previous OCs, still got see them like socialise socialise a bit ah but like he himself he like just diam-diam just sit there ah eat this food then he like look around try find his friend try find people he know then try and join in the conversation that kind


so pretty funny lah like like he didn't want to interact with the new batch also like the newer OCs the newer specs that kind I think like maybe he thinks he's not close with them or along something like that end end up he like also


ya lor I I guess he he he I mean if you don't know that someone hate you !wah! then you have probably have some self-reflecting to do lah really, I mean it was quite clearly evident that he wasn't doing his jack shit lah honestly like maybe was he even doing anything I cannot tell ah honestly I don't think even think he was doing anything properly lor


the the the the the what's his name #boon kiat# ah


I guess I mean okay I mean if you want to see a comparison to like what's the middle ground OC I guess you can see maybe like my S four lah I guess, he's supposed be OC lah but like I've heard complaints about him and praises about him lah so you can say he's like somewhat the middle ground in that sense like okay so like he's damn biased so he's really really freaking biased towards uh his branch people


okay so like he say before he he he did say before that like his responsibility like he is eighty percent S four twenty percent OC, or something like that like some something like this numbers lah like he clearly stated before that he doesn't he's less of a OC than and more of a S four


so he's freaking freaking biased so how you can see right is that like whenever he wants to buy food like <mandarin>他请:ta qing</mandarin> the food right like he he will buy food for people one like he'll treat his whole department out to go and have lunch or he'll offer to pay for the food one


ya he's that nice but he's very biased so if you're not in his good books he won't treat you nicely at all like not say won't treat you nicely lah he'll treat you with basic courtesy with basic respect that kind but you cannot expect to see


no no he's very biased he's very biased like like if he doesn't like you right he will not give you the benefits that he gives when he likes you, like like I got friends that he said like can tell he don't really like lah but like he can can then like some friends that complain about him that hate him also ah because they know how biased he is they they suffered the biasness of his treatment lah like that


so like he's so I heard both sides of the story lah like so like one example of how so-called good of an OC he can get right is that he lets like NSF drive the car drive his car


like not just to not just to like drive to Gedong to do official duties but like sometimes like there was a few times like he lend us the car he lend us his car to go and drive to you know the #sheng siong# the the food centre


you ya so so that one right so err like I drove there once I drove there once using his car I I feel uh not just once but I think like twice drove there once err twice using his car then Dabao the food Dabao like


ya so I Dabao the food then like he <mandarin>请:qing</mandarin> one eh he pay he like say okay I give you fifty dollars uh you just buy whatever you want to share lah then anything else more than the fifty dollars you pay yourself


so ya lor I think it's pretty good lah like he he actually did that that he, no I wasn't from S four branch that's why I was like in that sense lucky enough to be like in his good books lor


ya I mean good and bad lah it's really good and bad lor so it depends on which end of the stick you get lor which is why err you can see people saying that they hate him and those people that are in his good books will also say that like he's biased lah he's pretty biased lah but honestly if you ask me right like because if you're comparing like OC like him versus like err CO I personally prefer CO over


uh him lah S four because his working style was pretty messy in a way like he ya <mandarin>他有一点:ta you yi dian</mandarin> like not fully honest with how his working style is lah like like there were instances of him like saying like how he he want the clerks like like


to like so-called cover up that the work is not done fully yet but then like he reported to like CO that [orh] ya ya ya done already done already that kind or like he purposely like he was like saying oh I I avoiding CO so that I don't have to answer him about this question that he's been asking me about


but like uh he told he was like telling a few of the troops ah and then that the then I was like oh okay I heard it lah like I heard it then I like oh okay so like like you know like his work ethic ethics are not fully there lah like okay lah I understand like obviously maybe like you don't have the time to finish it properly


but like the work ethics are like you want to quickly do it uh true but I mean like at least you cause uh CO right his, he like he wants like a every month he wants like a powerpoint slides to present to him to update him about the unit status like uh best unit award that kind or like any infrastructure issues that kind you know


so he wants this kind of update so sometimes and then now that they are doing NDP together some more so basically NDP also doing they are doing together so then CO would always want update then then I think like S four like not enough time to do properly lah then or like and then like sometimes


personally myself no honestly like I did I tell you I got very good for my grading only


no you can you can can can can I I I can can can no no


no no I got one guy I know he got CFC and outstanding like he OOC from OCS also he got outstanding for performance and conduct, ya ya he got both and I think he's not the only one that I know I think another guy I know also have he got CFC and both performance and conduct he got outstanding cause they actually do a lot of work like this okay the other guy he a bit uh Siam boat one he can but he will still do work one


uh then this other guy he actually do a lot a lot of work like he will he's in S two branch one mah so he actually need to do a lot of work one like that guy had to do really a lot of work like he stay up like sometimes he stay up he never go back to bunk he do until freaking late like ten plus then go back to bunk that kind


so ya their performance was very good uh uh which was outstanding so which was deserving for them lah but as for myself I mean, I didn't expect a outstanding of of course I was hoping for an outstanding and maybe a CFC promotion lah but I had a feeling it wasn't gonna come to me lah because honestly my job scope was a lot smaller than what I've seen them


so if I were to balance it out on a scale I would say okay lah ya I very good was what I expected to get to say the least but I was hoping for a outstanding but I know I wouldn't get it lah like I know in my heart that I wouldn't get it cause


I didn't put in that much effort lah like okay I did not it's not that I didn't put in much effort I did put in my effort to do what was tasked to me but because my job scope itself didn't really have, a lot a lot of work so there wasn't really a chance for me to get outstanding in that sense you you <mandarin>你明白我的意思吗:ni ming bai wo de yi si ma</mandarin> so like there wasn't so much of interaction where I had to do a lot of work lah so


no lah I mean in in a sense it was a leap of faith lor like at that point of time like really okay would you have said yes though would you do you think you would have


okay do you think that #qi yang# would have said yes that time


I I like okay lah at that point of time I felt like maybe one one of you two might have said yes but then just because I said yes first before you two even like gave too much of a thought to it


wait dude dude dude wait okay so we are it's ending soon in like ten seconds so ya lor I think RSM was there lah but like it was okay lah in the end I guess so end now [orh]


ya I can hear you, (ppc) ya okay


politics what, is Jervin political


that's true that's true I mean he only cares about his (ppc) Hentai


okay leh I think he's quite real leh like as in he he deals with some like err


like quite real shit ah like like issue with his girlfriend and then I got hear he I got talk to him like very personally before and like he how say ah his thinking and his like opinions quite matured leh


if you know what I'm talking about lah,


future planning-wise he he has a how to say ah he has something he wants to do so like he you know he recently doing some like three D modelling or whatever right for his uni stuff


I three D modelling like rendering of like the three D three D stuff lor, so I don't know I don't know is that future planning or what but at least like he's he's trying to like upgrade himself learning some new skills for


the future, but in in what sense in what sense do you mean like err no no future planning


(ppc) I guess he's like he's he's not that close to you like you all never really like stay together in the same bunk before like you know how he everytime sleep in our bunk so I got like a lot of opportunities to talk about like this kind of stuff to him lah


his financial planning he also I would say he's more mature than me lah honestly like he he got all this like set-ups for for like savings plans ah then he got with his girlfriend ah I don't know I don't know whether it's good or not lah but


he at least he got something set up lah ya


ya ken ken is definitely just playing around I mean I mean so far I have never really I couldn't really get him to talk about all this financial planning stuff not not just financial planning in money in monetary terms right wait ah we're talking we need talk in singlish in money terms right in money term ah he he not say like


no planning leh like he he everytime talk about like what !wah! got people need to like need to go and collect this money from people ah this money from people ah he everytime like some loan shark like that one eh then he everytime talk to the #peng nam# ah then like talk about how how they want start business ah or whatever maybe maybe he don't see me as like someone to talk about all this like very like


quote unquote mature stuff so I don't really know like, is it is it just me or I don't know for me everytime I try to talk about like all this future planning like uh what


uni ah all this stuff ah then he'll be like oh I just go with the flow ah maybe then he'll just give me some joke like like oh maybe I I go and try this one can do can in the future can become uh blah blah blah then he will just laugh about it and then the conversation will just end there then we'll talk about like what game to play later or some shit


it's it's always like that with with him lah, uh I don't know leh I was playing switch with him just now so I I guess maybe but I play animal crossing game lor it's boring eh playing animal crossing


is it worth to buy a switch for


ya dude I played it a million times already, (ppc) I think it's better than uh stardew valley in in a sense whereby uh stardew valley is more err based on like you need to get money but


it's how to say ah stardew valley is more serious ya and it's more RPG focused but like the animal crossing ah it's like you very very Lepak lor, so it's like you go around you go and collect you whatever you want to do you can do lah you want go and collect tree ah you can go and collect you can you can go and go and farm farm like the fishes ah you go and go and like (Err) fish a lot basically the whole the the whole issue with err the whole setting of animal crossing right is


you are on a vacation you are on a getaway to this tropical island then you must you talk to these animals and then they are your like err villagers ah like basically other campers other err what am I saying other campers


along with you but somehow somehow the village chief want I mean the the island chief want to like uh build up the island develop the island more then you just collect stuff and just slowly build lor


ya it's switch lite


ya it's slightly cheaper only how much did you see it for, two hundred plus okay ah not that bad I don't really know the market leh like the market for the switch lite is not super uh is the market for the switch lite is not really my my kind of thing ah


I mean I already got switch why would I be looking at switch lite but do you do you think you will connect your switch to like your monitor and play or will you be like those like potato couch then you just lie down and then play


yes you told me, eh if that's the case I think you should get the original one ah cause it's it's quite it's quite like err convenient eh like let's say I sitting down right I tell you like err I sitting down I playing my switch err in front of the computer this big screen then you know how you sit down you also get fatigue right


then you just want to lie down but you don't want to sleep so what you do you just take out the switch then you just lie down and play then you you you lie down until you Sian already then after that you put back the switch then you sit up and play like that you can play switch whole day one


I mean switch like you get the lite one also good because in the future I think there will be a lot of this kind of exclusive uh nintendo games you can get so it's it's not just for this game like


my switch right I I buy the game already then I never play then I sell the game but then I'll never sell away the switch because in the future confirm a lot of nintendo exclusive and you know how like nintendo the company right it's very they are very like exclusive based one the only reason why nintendo can like survive for so long is because of their exclusive like mario ah then got like pokemon and then got like err what what's that ah uh


like animal crossing is one of them a lot ah monster hunter also have but monster hunter recently go PC ah


the switch won't die out so so fast lah honestly honestly the switch won't die out so fast but I mean you can see how popular it goes at the most is they come up with like nintendo switch pro or something like some faster version of it but all the games probably can play in the future consoles


ya ya like that if that's the case if you are afraid of that right then I think you should get the lite version cause it's cheaper and if you don't have a lot of time to play right getting the lite one is better because like you can play while you're travelling


and it's a very small it's much smaller than the the the the original one so when you are travelling right if you have a small small handheld device you can just go around play and another thing about nintendo !wah! I feel like those kind of like freaking nintendo salesman nintendo better pay me now


and another thing about nintendo games right is that the quality is very high you see all those like zelda breath of the wild is err people buy the switch just to play zelda it's it's really damn crazy the the quality of the games are very very good


ya but how often do you play all of them the quality of PC games not say all are very good is only that selected A triple A games what right


four fallout four good meh I mean it was fun for a while lah but it's very err Meh


oh ya ya but usually all these is like you play for a while then you fun fun for a while but nintendo games like I feel can play for quite some time one ah


I that's my personal opinion lah I mean I see the steam games they don't really appeal to me lah and another another reason why I I recommend it is cause portability you can't really bring your PC everywhere you go


(hmm) I mean if that's the case then don't buy lor , unless unless you find like see see if got like any like very good like offers or anything then maybe you can just get it I mean you don't actually need because it's portable you don't really need to go out to play you know can play at home what if you get bored of your computer then you just pick up your switch and play I guess


cause ken's one ken sold away his uh original uh nintendo switch then he he was selling away his laptop then he told me that the guy the guy go and text him ah and then say say that uh


bro can cheaper or not like or like I got a nintendo switch lite then can exchange then I top-up top-up the remaining amount for the laptop ah then he say okay lor then so that's how he become the owner of a nintendo switch lite


switch lite, no lah he playing with me dude


you and your opportunities, uh to a certain extent you can visit your friend's island and then you mess around with his trees and stuff


but majority is you you just playing around with the island you doing like the quest the villagers like you need to craft the houses for the villagers, you need to build up the like the structures in the island to to make it as modern as possible lah it's like building a society lah from scratch ah


using sticks and stones ah


character card, [orh]


ya, ya I mean you can buy Amiibos ah but I don't know about the cards eh I heard of err you can people got sell all these like cards with the (ppc) NFC on it ah then you can tap on your switch


but I thought those were were illegal one it's like those err pirated one


ya, how much he buy it for sia, !walao! eh so expensive


card one card thirty dollars Siao eh , still still too ex already ten ten character


ya that's true but I mean in a sense of like him not wanting ugly villagers , I agree with him ah some of the uh the villagers are damn ugly K my villagers right I have one of them right is a is a lamb


err wait is it a lamb or is it a goat I think it's a goat got horns one the curly horns is is, ah it's a ram ya ram ya I got a ram that is a goth gothic ram


with that that wears like a #ah ma#, like all those like very, !huh!, why why vibration my phone got vibration meh


[orh] sorry sorry ya where was I ya the there was a ram there's a gothic #ah ma# ram , then my other villager is a a dog with a monobrow


they are damn ugly those are my two starting villagers eh and the the best part right is that when you start the game right you you can go through like the, the registration and then like after the registration then you will like go to the island then only only then you can see your villagers so what people do right is that they scum save so they keep resetting keep redoing the the registration


one registration around ten minutes like that because you need do a lot of stupid shit so ten minutes right I do it five times eh I spent one hour trying to get villagers eh then all my other villagers the first one I got right was a, was not bad I got I think a eagle ah did I get eagle or is it a chicken I don't know is it I think it's chicken a chicken and a


a frog ya a frog then I didn't like the frog I thought the frog was very ugly so I change then the next one I got like some some uh what a anteater or or don't know what, then then I keep resetting lor keep resetting resetting then like the last one like already damn Sian already ah the registration then I just leave it lah then I just leave it as a freaking #ah ma# gothic #ah ma# and a freaking monobrow dog lor


then then the best part right the best part right is that is that I go and search how to how to kick villagers out of your island , then they they told me you can actually whack you can whack the villagers with the with a stick then they will get damn annoyed


so I just keep I keep taking my bug net right then I go behind the #ah ma# I just whack whack whack , then you can see like the steam coming out of the head if you know what's good for you I think you should stop it or blah blah blah


then like I tell you what next time next time you hit me I hit you back or some shit it's damn funny the interaction with the villagers (ppc), ya it's it's quite a good game ah I I don't see err stardew valley have all this kind of stupid


stupid shit ah but then again stardew valley is is made by one guy lah so


why boyfriend also ah


I I got the torrent-ed version I cannot buy I bought the phone version cause cause got a lot of outfield then I go and buy


phone version then I keep playing outfield then then then CSM keep scolding us eh store party


then the best then everytime he he walk right then after that we using phone right cause you play that time is you horizontal ah then we faster go and change to, change to like the the vertical version then he he confirm know one then after that he just keep scolding us then <mandarin>我给你们:wo gei ni men</mandarin> last chance hor <mandarin>多一次我拿回那个电话:duo yi ci wo na hui na ge dian hua</mandarin> some something like that lah I don't know what he saying already ah


he never lah but his he his threats were were were bad enough lah you know how, is ah you know you know he go eight sub right, err ops ops warrant S three


ya ya, the that's one I don't know lah I not not I I not close to him


not sure leh cause we only focus on, when we see the papers, he err there was this like promotion like up rank like change of


ya ya I in manpower branch that's why but then I don't know lah not not really supposed to say one ah this kind of thing but apparently, go and tell the entire , entire falcon so


ya after he after we ORD but I don't understand him eh like he like diving so much right but then, he don't want go NDU or he don't want go navy, like he like diving he put outside his door


no never never, (uh huh)


me also just just flexing okay you can continue


okay


SCS also have like the the pre-workout one is also I think minimum have to do six ah


then I was like doing three and already struggling eh but I don't know eh I think maybe cause like we keep going the gym right, like like err during like when we got ORD that time we keep going gym one right then now I can do I can do like fifteen sia


I can do fifteen in one shot that's my max ah usually I just do ten ten pull-ups right now but I think I got damn fat leh !huh! ya pull-ups


no no BMT I totally do damn damn little only only like six or something I think it's it's the gymming lah we keep going gym then I I build my strength, cause cause pull-ups right it's also it's main mainly biceps bicep and uh your back


like your wing muscles maybe it's cause of the gymming I don't know but fifteen is my max ah I already like damn Chua Tio at fifteen ah like usually, is ten ah but when you okay when you do the pull-up right do you go down all the way like you just drop all the way down


I go down almost all the way down so it's like my hand is a bit, like when I go down right it's still it's not fully extended I mean I can do fully extended but it's more it's harder lah


!wah! my push-up is really damn bad now I did like fifty like and it's not at one shot eh it's like I do twenty then three sets of ten, and like the forty forty seven mark right I just drop I couldn't even push myself eh


for the push-ups


!wah! not bad you can still do I cannot do already, ya but that was all in you know BMT right now, we train for what just lose weight lor just run lor I've been I've been running like this week eh uh I run two point five KM


cause I very lazy then I just want to like faster get it over and done with so basically I go downstairs, I don't even bother walking to the reservoir I just run behind my house like there's like a small like there's a walkway there's a walkway towards the longkang that leads to the reservoir


so I just run from my house behind a err along the longkang then after that the, like I just reached the reservoir right then then the the app you know there's this fitness app ya the fitness app will tell me like


the app time for me lah uh two point five KM sixteen minutes !wah! damn it's damn long, I'm damn slow dude I mean the whole point is not for me to like be fast or anything the whole point is like I get some exercise that's all I want


and alternate days I I've been setting like some alarm clock ah like five thirty like alternate days like tabata and running lah, but I realise right I do the tabata right my legs will just give way dude !wah! I tell you my legs are damn soft from the tabata session think like two days ago


I do the mountain climber ah or and the burpees and then the what's that ah flutter kick !wah! shag bodoh !walao! eh, second set ah I already dying already sia


I mean because I was sore I go and drink protein shake that's an excuse for me to drink protein shake


(ppc) I go and drink protein shake just because my legs were sore but it's an excuse, cause I want try yes I know but anyway ya lah but on on rainy days on rainy days you don't run right


ya when when raining that time I got I got this like tricep what's that ah, what's the elliptical machine ah I don't know how to


pronounce ah elliptical machine the round round ya the got one drum one then then the paddling you know you know what I'm talking about ya, I got that machine at home !wah! that one very shag also cause I everytime increase the


damn shag HDB there's a HDB named after me Jervin Jervin was saying there's a HDB after me


err work with him well ah I guess so hello hello can hear me


I guess so it's not say #qi yang# he like got some like bipolar or some shit I don't know lah, he everytime he everytime praising


like keep giving giving us like err how to say ah welfare, but then when when work with him ah then he will like keep #kao peh# #kao bu# him I don't know leh I mean, if I see in


terms I guess is work well lah cause #qi yang# do whatever he want ah whatever he say instantly #qi yang# will go run and do it lah like some dog like that ah, but honestly everyone else is not really working under well uh under him well lor


like you see right, right his his command the the way he command ah is very, like he will keep giving like very misdirecting kind of like instruction like his instruction very vague then I see all the sergeants right


they all go listen instruction already then they try and do based on the instruction then when they doing it right then after that Kena scolded from from, because they never do it, the way it was meant to be done in


mind even though right his direction was let's say go and fill up the jerrycan, !aiya! okay that that's too simple lah like uh go and stop go and stop the trucks uh go and stop the the tanax from entering here that was one of the sergeant's job lah


then when when he came back right then he scold the sergeant why you let the the truck in or whatever, then apparently his instruction was something else so it's like I don't really know how to explain it well but it wasn't really like the sergeant's fault you know


it's cause of his the way he instruct right is so so vague that's my issue with, lah then he very unapproachable you can't really you can't really like uh, go to him like ask him like [orh] err is this how you want me do it then he will scold you like !wah! you sergeant then you you cannot think for yourself blah blah blah then you do wrong already then after that you Kena scold that's one of the main reason why I don't want become sergeant ah


sorry you're breaking up what


ya but I don't know I don't even know why he sign on sia he his grades was quite good leh like in in err O-levels I see his thirty four B ah his O-level grades was quite good leh


but then I don't know why he ya ya his O-levels was like got a got a lot of As and Bs ah, like a few Bs ah and mostly As ah then I see his I think I don't know whether he go A-level or not ah


either A-level or diploma also very good lah basically his entire education he he did very well ah then he just suddenly see like this guy sign on then like what the heck your future so bright but then you want sign on, then what I remember from one one of the one of the orientation during BMT why one one of the reasons he give why he want sign on he say that doing this is uh the best way I can influence


uh change people's life for better or blah blah blah but then I see the way he he take up command right is like very ironic eh


I mean from from from how it looks from below ah it's like it only seems like he's trying to Wayang to to all those higher-ups ah to get promotion ah, like you know you know everytime falcon take up all the duties one right it's it's always falcon take up and not the what hawk or glory ah


it's because, everytime like want want to like try to Wayang ah then keep taking up all these duties, I mean from what the orientation say he want to influence us ah not influence himself so I don't know lah this guy talk cock only ah


ya ya ya


typical hierarchy lor what to do typical hierarchy I mean they got rank then they can say whatever they want ah his his attitude problem lor


uh but your CSM already third warrant what right, [orh]


ya ya I get it but usually I guess is is from from our company's perspective ah because of how useless the


uh #david tel# is lor everything also CSM do one you don't even see #david tel# going around talking to anyone he just eight to five


he he know everyone hate him ah


ya that's true I don't know lah I I can't I can't really tell like what is the OC actually supposed to do cause the falcon OC like he way to Upz already like the current one I mean the


ya ya, he way too Upz already like he he talk to everyone he do everything he is damn Upz I don't even know why he so Upz for, so I I don't I don't really know what's the middle ground ah like one OC is so useless then the other so Upz I don't really know like what is actually demanded of them so I can't really say for sure lah


your S four do what one


okay


!wah! so good ah


but that is not very say biased eh, [orh]


(uh huh) ya ya can hear you


!wah! I keep I keep forgetting you got driving license sia


you S four branch meh


ah but I think like the the reason like he's more of a S four than OC like S four work is more important right in a sense, like you see in all those companies like all those like err falcon OC ah their their only job is being an OC what right they they don't have like err other responsibility and then if you think about it S four S four isn't isn't it the isn't the role like more


err like there's more responsibilities on a S four role than a OC like OC only in charge of that one company but S four is in charge of the entire brigade eh battalion battalion ya battalion


ya so I guess it is not really his fault lah but the biased-ness err against the NSF a bit err good and bad I guess


!wah! he is so he personally tell you that ah


that's that's one thing I like ya uh I say first ah the the that's one thing I like about the HQ lor you get to see all these like funny interactions with like, the higher-ups like amongst themselves ya it it doesn't really feel much like hierarchy ya ya like army lah it feels more like the workforce in a sense but


I don't know eh like it feels more relaxing and like knowing that you're not the only only one facing this kind of like up down issues like even your higher-ups are also uh getting like this kind of shit lah but at least at least everyone is getting like like equal treatment in a sense


it's not as bad as like being a man that's one good thing about being at HQ lor but besides that all the workload workload wise do you have a lot of workload


I also got very good one eh no once once you OOC you can never get err uh what's that ah outstanding


ya that's true


!wah! but I actually quite surprised surprised that you actually want to go go become RSM PA sia like you got balls dude you got balls


no way man I I'm too afraid of higher-ups at that point like there's no way like I can actually work under that kind of pressure, probably not #qi yang# leh


for me the the the the work of uh ASA was quite enticing but once I hear word RSM came with it right I was like a hard pass dude I rather just just be a normal ASA than


okay


wait should we just restart the entire thing, or what, can okay let's go, so so for so you you want to start first start the ball rolling


so, can can so you were mentioning about my FYP correct ah then afterwards the my FYP this time right is about, how to do brand enhancement or brand enhancement of brand loyalty with OCBC frank which is our client target our client company in this FYP lah


correct ya ya ya that's so true


so we are trying to enhance the customer's brand loyalty regarding the different services that OCBC frank offers, ah correct, so after that I will brief you through all the process the research lah insights persona users journey map ideas and finally the references ah that we use


can so let's start off so first we begin with our process ah so the process here right is <mandarin>分成两半:fen cheng liang ban</mandarin> process part one and process part two, ya so process part one right is the first five weeks


ya so the first five weeks right is can be split up into week one to week five as I mentioned lah, so as you can see from my screen right here


so we my group specifically created a google hits ah to keep progress of whatever we are doing so that week two you can see here right is the crafting of questions and conducting the survey and interviews but wait wait wait, we forgot about week one so week one we delve straight into finding out more about the background research of the company ah as you can see from the screen


so afterwards right wait ah can I give you control then after that you click, ah so as you can see from here right


wait where's my mouse, ah, so afterwards you can see right first we do the background research of OCBC frank, then after we get the OCBC frank background research right we find out more such as like the


what is that called uh the background of the industry like the banking industry the competitors that the for example the OCBC frank is facing, like in the banking industry itself right there are so many different banks such as UOB DBS there is even barclays and what not but then we want to focus mainly on the so called big three banks in singapore lah which is UOB DBS and OCBC


yes that's what we did so we research more and delve deeper into finding more about the OCBC frank, so for example OCBC frank right has different initiatives in place to allow the user to firstly they can set right the different kind of like the what's that called spending limit


so the spending limit right, that brings us straightaway to our survey area so as I mentioned earlier in week two we crafted a survey question and then we just spread it mass to four hundred over participants lah


can so as you can see here right from the screen that I just uploaded ah so you can see uh I think right the number of poly students that we interviewed is close to ninety percent


the number of university students that we interview is close to seven percent and the last three percent is by working adults who are so called the young adults, ya


ya so afterwards uh with the survey link right that we created the survey questions on we spread it mass to our instagram stories to our instagram post, so anybody who view our instagram stories there will be few uh they will feel the need to go and click on these links which will bring them straight to the survey then they will feel obliged to therefore uh go and answer the questions lah


good question I see there so for example right we really did see quite a few number of irresponsible users who are trying to just mess up our findings, so every time we hit one hundred results right or one hundred surveyees that we got the answers from we will slowly filter through each one of them


and if we saw any one of them being nonsensical and ridiculous answers like the, very bombastic kind and very crazy kind lah so we will just immediately delete the entire column ah and then we will just put the survey back online ah


yes we do have such thing so for example as you can see from my screen right sophia was the general leader lah she was the Tauke, then it's followed by TT who is the vice leader or the so called the second in charge Weiqi is in charge of the different reward systems of the traditional banks and also the creation of our wix site lah


which is the main website that we access everything from for me it was the general competitor analysis of OCBC frank and also the ideation that I brought forward towards the team, I also had to design some of the reward systems in relation to what Weiqi came up with


the remaining two members ah the remaining two members ah the remaining, the remaining two members of Shafiqah and Izzati they also did the social media analytics and they came up with different ideas regarding the social media platforms


ah, correct ya ya ya that is so true


so for example this reward systems right is like for example have you ever played call of duty mobile or FIFA mobile that kind of game, ya so if you always realise right they have specific milestones that you got to complete before you get a kind of rewards


if you always notice ya, so afterwards we decided to make our thing something like that the same kind of ideation


correct ya ya ya that's so true so for example right for example the user is saving up for her grad trip in like three months time, and then after that she's going grad trip with like four other friends, ya so afterwards uh


every time she don't uh she saves for example like one hundred dollars or what right into that account then she will get like probably some frank points ah


so we are trying to create such a thing called frank plus points it is like for example as I said that we split it up into savings spending and investing, then there is also the weekly component of different weekly test that we will be putting up on our website so for example this frank plus points right every time we will save one hundred dollars or what


you get the points and then after that you accumulate these points for different kind of rewards there is very nice kind of reward exclusive premier that kind ah


ya ya ya so the test right we decided to introduce some weekly test and quiz into our project because we realised that many youth right do not actually understand the how to save their money properly how to invest their money and stretch their dollar and lastly how to limit their spending


so many youths nowadays and millennials like to overspend but then they do not have the financial backing of either investment or saving to save up enough money to be able to spend comfortably, ah so this surveys the the weekly test questions that we are giving out to them right the answers can be found on our instagram page which was launched by Shafiqah and Izzati ah


correct so for example uh Izzati and Shafiqah will be posting daily bites about how to save properly how to invest properly based on the different forex charts and whatever not


so for example uh these answers right they are hidden into such videos and clips, so if the users are trying to maximise the number of frank plus points right they can go and read these tips and then go back and answer these quizzes and then they will get some rewards ah


so so for example right these tests answers can be found on instagram like for example every week we will be hosting live sessions with famous banking people, then we will be sharing tips on how to invest so from that investment tips right we will come up with different type of questions then after that we will post it online ah


correct, can so moving on right as you can see from my screen right wait wait wait let me click in ah ya so


this all came from the general insights and persona creation and the interview and survey questions ah, so moving on is the persona creation and the creation of the UJM better known as user journey map lah, ah


!wah!, okay give me a moment ah, ya this thing very slow lah today, so for example as you can see from my screen ah we decided to put it as like a daily thing like the pain points that are faced by the user call chloe


who she faces this kind of problems everyday ah, so for example firstly in the morning eight AM lesson which is very common for us tertiary students she has at eight AM tutorial and she is late solid right that's what most of us are known for best known for


strategic, I know right then afterwards right she has eight AM lesson her thing cut off at eight fifteen the coffee shop beneath, she manage to Swee Swee reach the coffee shop at eight ten so she doesn't want to waste time to take out and count the silly amount of money one by one note


so she straightaway take out her paynow Paylah and therefore it is so easy to transact using her mobile app then she can run to class the next five minutes and key in her code for attendance ah


correct so this is all existing so we further decided to make it even easier, so after her long long long bloody long tutorial that she got to attend right it finally ends at twelve o'clock lah lunch time, what do students like to do at lunch eat lah beside eating ah


so what what does she do she and her four friends decided to go the nearest mcdonald's, cheap easy good food we all love mcdonald's


I know right and then some more now mcdonald's giving group discount twenty percent off everybody so we decided to change we decided to upgrade this paynow Paylah right how, we can now we can now add all your friends into this group and then after that after everybody is added in the group right that one person just pay for mcdonald's get the twenty percent off #hoh le shua#


give you the twenty percent off ah then afterwards everybody in the group slowly pay back that one person, ah


so technically we are gonna try that thing so for example you known telegram groups or whatsapp groups ah that kind of thing so every time you go out with like for example your lunch Kaki or whatever your lunch buddy that kind right you click on this group, then your friend you already know who's paying right you straightaway can transfer right ah


correct, ah


correct but the best thing about it is it's also linked to whatsapp who doesn't have whatsapp in this freaking world you tell me, correct but, it is technically linked to all your contacts inside you are supposed to give permission


so after that you have easy connection to whatsapp so you can toggle between whatsapp and your contact and this banking app ah, exactly then the best, then the best part is you can calculate using this app right to find out how much each person owes ah


correct, correct, ya


you tell me who in the freaking right mind right likes to carry around cold hard cash number one you risk the chance of getting robbed in broad daylight in some kind of #ulu pandan# street, number two you will queue up at the freaking long bloody UOB bank or whatever ATM just to withdraw that cash and you know how precious the lunch time is the break right


somehow the boss don't know how to socially empathise or tedious others demons in disguise don't even have one freaking hour to queue up for our lunch to pay each other then still need to sit down discuss about our tutorial our project our FYP so many things to do in that stupid one hour


how to do so many things ah !huh! still need to calculate this calculate that why not just do it into one banking app and everybody key in the amount submit #shui cai# everybody happy, yes


that's a very good question I like how you ask it, technically we haven't found out a good enough thing but then we are offering very competitive interest rates


so for example if DBS say like for example offer uh wait ten percent interest rate right we will offer that even better we will better it for you twelve percent some more ah, then we also got


correct, ya then afterwards right we also got limited edition merchandise you cannot find anywhere one the best of the best quality ah


#tok gong# kind so for example we all hate to get out of the house especially during this silly circuit breaker period, so for example right who doesn't like the idea of getting free grabfood points free grabfood points free grabfood delivery free foodpanda delivery who don't like you tell me !huh! everybody also like


so for example right we move on to the next pain point, then this persona chloe goes to the bank website but then she sees


#simi lai# eh how come got all these kind of investment thingy that I need to click one what's all these everybody know how come I don't know am I a cave, am I a person living under a rock or what ah, so she sees all the term and the #simi lai# eh jargon right she will be like !huh! I really don't understand what are unit trust what are shares what is forex #simi lai# eh


then the silly bank the old banks right also post some kind of weird ass answers and weird ass lengthy posts so I even more confused, ah, that's how


correct don't you realise every time you click the silly banking link or what it's always one paragraph of words, normally for us millennials we want it short sweet simple correct


yes that is so true ya ya ya, because this is also linked to investments based on the previous survey remember we talked about that the surveys and interviews


stupid teenagers these days some of them don't know how to use the silly investment kind of account so afterwards they go there they see the forex they see all the candle stick then they'll be like, what's this how come got one silly wick or one line sticking out of the silly candle


what the heck is that thing they are going to be thinking so they don't know how to use it to the best of their ability to stretch their bloody dollar ah, ah


correct lah ah, then moving on right remember in the survey interview we also say that they love to overspend they don't know how to shut their mouth when it's time to stop spending correct


so she see the chloe sees her account balance and then she'll be like !alamak! shit, this time overspend again now I don't even have money to eat I need to <mandarin>假钞:jia chao</mandarin> eat grass how, correct


so she thinks I need to start managing my finances better how so therefore we come up with one very Bagus solution you know how, so for example right remember I was talking about the reward system the more the lesser you spend right the more points you get in relation to the amount you save


correct ya ya ya


correct ya, then afterwards right ah, correct, so for example in one day right she save one hundred dollar that's the best day her favorite day friday end of work #pang kang deng chu# correct


then afterwards her hundred dollar right she spend thirty dollar she want save the seventy dollar so she get, thirty frank point also correct


ah but then if she decide to indulge go clubbing go #dong chi dong chi# that kind ah ah, she spend seventy dollar one big bomb in her freaking hundred dollar amount right she only left twenty dollar you know how many frank points you get


ten she only get ten frank points, so it depends how much money you can actually put in ah


so for example right the amount of points that you get is depending on the amount of money you deposit into a bank first lah !huh! for example you deposit one hundred dollars we will auto credit your account fifty points ah


so it's, no for every two dollar you get one point ah Tak Boleh ah, correct


so for example all these right accumulate into one month then if you somehow hit one thousand points or more you will get different kind of rewards, but the one thousand points is every week everyday you got investment you got saving you got spending confirm plus chop can hit one ah


correct it is confirm plus chop you will get the limited edition stuff one, ah


not true at all we also can we also produce our own limited edition tote bag T-shirt I am pretty sure it'll look very cool on you one Swee, Bagus


good question we have various grades of prizes for you Sachok grade one grade two grade three your points right you see the reward grade one you want that one so you save up for grade one prize ah


no need trust me brother you only need maximum right two months to save ah


we all learn that, ya so for example the loan we are very nice we give them lower rates as compared to all the other banks in singapore people confirm plus chop run to us ah


so we make the, we make the money right we get the money from saving right Bagus there your limited edition stuff plus chop right you can even earn profit one


Swee, !hey! !hey! you never know, so moving on right let's talk more about our persona


so our persona right is this girl called chloe carefree chloe she is in singapore polytechnic studying diploma in applied chemistry why carefree you might ask !huh!


because she very happy go lucky ah can, ya my teammate's best one of my teammate's friend take one ah #wei qi# took his friend's picture ah


so she is a very happy go lucky kind of girl everything is usually sunshine rainbow Sachok everything nice one, but then she realise her savings and whatever is very Jialat but then she don't care her mother her father rich eh Tauke tycoon


so she is carefree money drop from tree drop from sky Swee everything happy she's carefree I'm also carefree Swee, ah


correct, so what are her motivations she wants to save up for an upcoming graduation trip and she wants to save up to be able to fund her own dream university course


(hmm) I think she is saving up for the degree in chemistry ah, pure chemistry the purest form, so for example what digital media platform does she use she is a very active social media person she has at least three thousand followers on her instagram account as you can see from my screen ah


I am not very sure of that but you can try, so for example there is instagram there is twitter there is youtube and she also wanted her own netflix and shopee and lastly her favourite grab


so all these things ya, money heist that's everybody's favourite show plus chop she also like brooklyn nine nine she also likes to watch all the kind of different kind of she mainly likes thriller shows ah


that's her favourite one ah, so for example let's move on she really likes to spend time and effort on her social media account she spends two to five hours a day what kind of girlfriend is that !huh! ya


maybe maybe not you never know, so what are her likes and what are her dislikes, her likes she loves having loyalty she spends so much money obviously she wants loyalty discounts rebate lah I mean who don't want cheaper what cheap cheap cheap like bird like that


then she also want to go cashless who the heck as I said just now want to queue up in the bloody ATM withdraw the bloody cash get stolen die already, then she also like to draw aesthetically pleasing design for her own product and app


so for example she is a social media influencer she needs to take care of her three thousand onward followers how she needs to promote the different kind of products that she wears and whatever not correct


so there's gonna be a possible conflict of interest she may actually try and negotiate better rates with us, which we don't want who don't like money correct she going to like try and negotiate something she may be carefree or she her father her mother all got money lah but then we still cannot give out money like that leh


eh no no no, if other people right see such things happening right, they will all try and be freaking funny man ah they will all do all the thing then our part timer do what then our full timer do what sit there and Lim Kopi drink !huh! do what clean toilet also can ah !huh!


no one exception means many exceptions you cannot just stop at one as you know the look once is never enough correct


correct , then moving on to her dislikes right as I said she hates queuing up for ATM bloody long queue people just stand there look at the phone bloody hot also singapore also no aircon one outside one one furnace like that


then even if you wait at the freaking bank teller right that's also long you sit there you do your phone bloody bank also no wifi you use your data your data <mandarin>爆:bao</mandarin> you also need to pay more money the bank end up making you pay more money correct


she also dislike receiving telemarketing email and message I mean who like the bloody phone to be ringing every freaking five minute or what correct that day we also Kena what


our notifications can be turned off for the customer so for example right if the customer right don't like notification she can tick tick tick off all the notification that she don't want, we customise it Swee Swee for her


then that's her #tai ji# lor not our problem anymore lor, no we are not so bad we are not so bad


we are not so bad if it is really very important life or death that kind of thing right we will really find any way to tell her about it ah


not true not true she doesn't like receiving emails and messages but then she didn't say letter correct, post we use post ah


bye bye , ah so she also doesn't like reading lengthy post and articles and she doesn't like going to the bank ah !huh! as we said three times over


moving on, the pain points product information online is either insufficient or hard to understand she has a hard time managing her expenses and tends to overspend like don't know what kind of shit lah


she feel that there's not enough incentive and reward when she shop online like who the heck in the right mind want to actually pay for delivery correct who want to pay for shipping, and and she's worried about data privacy and hearing that her personal information is online oh no what happen


that's what she is scared of doesn't mean we have it, ah


we will find our own delivery rider to drive it to your apartment and drop it off, ah then we will pay him, no need it's completely free of charge brother


so her unmet needs is that she needs a safe platform for her to learn the ropes of investing with minimum capital and risk I mean come on who don't want more money who #sot zai# want more money ah


she needs her transactions to be more seamless and easy and innovative, I meant who want to go through a freaking trouble of having to chase this fella down kill that guy just for his money


then the current mobile app right also don't let her right use top up her EZ link card I mean how bloody is it annoying is it you go to the freaking printer shop right, you put your card there you click happily click click click everything right then after that you click print the bloody printer say not enough money insufficient fund cannot


so you wasted like freaking past half an hour standing at the stupid computer and then the freaking printer just say not enough insufficient fund, then you also Zai right you need to run to the fucking nearest ah


correct, correct run it seamless and easy one two three ah, so my app right can allow you to calculate the amount your friend owes you can chase your friend now if you need anything can top up your EZ link card can let you invest can give you tips on different amount of investment saving and spending ah


so lastly ah the challenges I mean everybody got challenges lah ha


this girl right she lack the knowledge her brain right empty one <mandarin>空空空:kong kong kong</mandarin> one her guidance and capital to start investing with the monthly allowance she have, three no she got six hundred dollars six hundred dollars for one month who don't want obviously her brain empty one


correct correct, you guess brother


not just that brother she even go into overdraft limit her overdraft also <mandarin>爆:bao</mandarin> already even the bank also don't want to do deal with her anymore, then because her #lao peh# is tycoon her #lao ma# is also tycoon ya that's why they can set up overdraft account for her


exactly true so we move on what are the different ideas that we came up with


so enhanced features as I mentioned just now there are daily nuggets of information relating to investment insurance and saving tips, it's easy to understand #swee zai# who don't want concise to capture attention of a millennial I meant all the millennial all like to Zao get out of the house go play football go arcade go movie go eat


correct we are always on the go, number two it categorize key areas of your spending in a graph so pie chart who don't like the pie chart easy to see we want to eat more correct ah


so after it is split up into spending based on the top spendings there's your retail shopee lazada whatever not, there's food grabfood OCBC whatever free delivery anything and then the entertainment arcade lah cinema lah karaoke lah KTV pub clubbing zouk everything also have ah


correct, yes it will be that's why it's seamless easy #bom beep beep# ah


for the cash one right you go and write down yourself our form easy to fill up just write the merchant name the amount you spend simple no need evidence ah


ah so next we move on to frank dutch as I said just now you go dutch for both your meals or you're stupid simply common choose your common ride or die Kaki


so you scan the code the QR code you split the bill simple as that as I said it's the group correct you click the group everybody inside you calculate everything Swee


ya ya ya that's the one, ya ya ya, then next one is drank deja vu it's not deja vu it's real we just lying to you lah ha and in case you tend to forget we got your back bro we got you ah


oh you never know so for example right, every month right we got spotify premium we got netflix we got gym payment everything that could be Swee Swee on time go in right correct if not we Kena late charge lah this one that one lah everything all Chapalang in correct


so you just have to set the amount set the company name label it go in already automatic right if you don't cancel automatic the payment go in already, you tell me you don't like or not so easy don't even need to click any button


yes so it's so seamless frank dutch is here to help you for the better ah


it depends there are so many different functions that you can use in the OCBC frank app, increase in millennial savings decrease millennial spendings increase their investment knowledge


then and here there's also the last one you remember I say got more things got frank dream now ah, so as I mentioned just now we want go oversea go grad trip you want to save up save together with your Kaki you want


you want go outside go whatever KTV what not there you can save your money here, so for example you want to keep five no you want to hit you want to go overseas to japan let's just say you want save ten thousand dollars to live five star hotel when you go there eat sleep sleep all happy correct


for example if it's ten thousand dollars already we help you #ka zha ka zha# into one thousand dollars limit every time you hit one thousand dollars you get everybody in the group gets this reward so everybody happy ah


what do you mean can you rephrase it again sorry


ah, so this is all a so called shared account so it will also link back to frank dutch remember what I said just now all one group ah


it it is so called a shared account sharing is caring correct ah


no, you remember ITFD international trade finance and documentation correct


ya our frank application uses block chain technology best technology in the entire thing think in terms of a google drive project correct, so for example every time somebody take out money right we see the thing come out right it will be so difficult to even take out the bloody amount right that they will just give up


can but then you need to get written approval from every single person in the group, and then after that written approval right means thumbprint who don't like simple easy just put your thumb there thumb there can already


so you can Jaga your brother you can say eh brother lend me this amount first lah ha I pay you back in like what two weeks or like what lah can then if your brother say can everybody Swee okay we go ahead


can withdraw, then that one ah !huh! you go to your parent you go ask them for money lah ha Bo Pian one that one I cannot help you


, so we have come to the frank plus points that one that I told you just now about it you can claim your reward and whatever not correct


didn't I just say about it just now, ya lah STM STM ah


what happened !huh! say, are you serious, what kind of, correct


exactly, you go tell the person lah Bui Song Mai Bui


so we all know millennial like their thing easy they like to customise their own card, so we let them customise they get to draw their own colour use their own colour to create their own card on the app itself then they click print right


then they have to go to any OCBC frank printer in the nearby surroundings then that card will be ready for collection by then ah see how easy it is, you also get your own unique design that nobody can copy


then the card so for example all these cards right go to the online instagram campaign then this instagram campaign right, there will be voters every month the person or the top three card designs right in the month will get Swee rewards like legit Swee ah


so for example it's just a I'm not very sure of that actually but then there are so many things to still be put in place you still need to calculate the different amount of people


and what not, uh we also don't mind collaborating with local millennials lah like you know night owl cinematics the the one that's trending on youtube because the the owner just broke up and divorce and what not ya


!wah! the ya lor damn sad sia, ten years eh Cap Ni Liao leh ya lor


what kind of bonds do you create that make you divorce even after ten years of being together sia, ya lor ya lor


exactly and their house is the tip top kind best in singapore kind of house, ya lor


exactly it's gonna be so different now, I don't think so, you you take you take a scissors then you chop the entire house ah


and then they split the proceeds right, so so [orh] ya lor, so, in views of this current thing right we also decided to partner other famous youtubers such as the smart local dot com


okay ya, so some of them are very one of the best influencers in the country such as Adria Zanial what not ya we also have Fauzi ya


so one of so these guys are all very interesting all the most of the millennials like to watch their video because they are so relatable correct, ya so moving on we also have one thing one youtube channel called millennials of singapore real talk so this is really they really talk about what is going on what are the millennials different trends


and another thing they also bring in like current news affairs like forbes that kind then they make it all so funny and hilarious right it all seems so easy to understand ah


ya lor you go see later then you can text him back lah, nope we have come to the end of the FYP presentation so as you can see here that was the best FYP presentation that I've ever had actually


so that teacher that we had right was the best teacher actually


she was so nice her feedback was so constructive in giving us the perfect plan that we came out with for our FYP project lah, it was so easy


so for example right her strategy is to, give you compliments and then afterwards right tell you how to improve your idea to a better thing so for example it's the classic of workplace she is giving us the taste of the workplace ideas


which is to compliment the designer before giving him different ideas ah to improve himself ah so that makes it even more constructive it doesn't even criticise the designer ah


so our my teacher name is miss <P2>silva lau</P2> the best teacher in FYP ah, currently I don't think so what about your class eh I think how is nicholas and the what's his name ah elston doing how are they ah


ya ya ya, !huh!, then then then the rest of the time he doing what sia annoying eh this kind of person, what


ya ya ya ya ya, ya ah, ya ya ya, !huh! then how


ya and then !wah! Cheebye Siao Liao lor he can get ready to fail FYP already for his group


ya Heng, Heng lor ya lor !wah! this guy really snitch ah, you know last time right I help him key in my own his own his attendance right for him


then he go spread his big mouth cannot shut up one I want to give him one tight slap he go spread to every single person in the whole neighbourhood that I help him key, end up who die I die lah !huh! annoying sia this kind of person I help them


we are technically not supposed to key in the ATS because it is generally our own responsibility to help to do our own attendance


so it was it was in this lecturer called the name of <P2>K K tan</P2> he was our FRC teacher lah, our FRC lecturer so that day he decided to do a random spot check lah of who was there who wasn't there who actually key in the ATS for the friend lah, then after that he go through the list one by one happily happily right happy happy this guy Zham anyhow Zham right then who Kena caught that stupid #ming wei#


was he there no where was he at home what was he doing sleeping lah !huh! that fucker never even answer the phone lah !huh! end up what happened, lecturer calling once calling twice nevermind he is not there Zao next person then mister <P2>K K tan</P2> decided to tell the teacher


the #ming wei's# own personal tutor then the personal tutor go and ask him but then he didn't say anything yet then all the friends right go and ask him what happened, then he go big mouth he said oh that guy help me one end up thankfully all the friends smart one they help me if not right my head on the chopping board by now already all Zham already


no he even though he ask me right I also don't care anymore I don't even blue tick him anymore his chat is just unread


because I used to think that we were so close whatever not he used to help me out so much then but then uh his help me out is in terms of money


he uses money one this guy is all about money, which is disgusting honestly, no for example right last time he needed help to buy something right then afterwards I help him buy but then he pay me fifteen dollars extra ah


so that's the source of income that I cannot lose correct so I just help him once twice I don't mind until finally I asked him how come you need me key in ATS so many times lah then after that he tell me oh, I want to go to the gym cannot meh I want to go drink cannot meh


honestly right I also want to do the things that I like lah !huh! who don't like correct but then you got to prioritise your stuff correct lecture tutorial your life comes first


it depends on the person actually if the person I really can trust right like my Kaki my brother right I don't mind die once we all die together at once if not nobody die that's my view


ya lor, then ya lor thankfully sia then his own classmates right Suay he's not even bother to like the the rest of the class right treat him like trash sia tragic this guy


he uses money because he is in the first place he's not even singaporean ah


can, can also, two three pop


okay let's continue with uh what we were talking about just now so uh can you show me can your show me your uh survey uh insights you know FYP


ya sure okay let's restart from the entire thing from the start ya okay let's go


ya okay sure so can you click on your uh FYP ah ya correct your website then you show me from your home lah then you tell uh me how is it what your FYP is about that kind of thing, ya correct


oh okay so from what I have understand right uh your client is uh frank OCBC right is that correct


okay so uh OCBC actually from what I understand lah OCBC is only uh doing about you know banking service that kind of thing then you know like maybe deposit for people ya so uh in your case uh what which part of uh OCBC work are you helping them leh


oh interesting okay okay okay then you continue to tell me more about it lah


okay sure, okay


okay, okay


okay, oh ya sure oh so what what where why do you need to give me your control


yes, uh I think you must click on to the yes correct okay


I see so you are actually talking about the background research regarding uh your this three banks as well as


uh you know the the general industry so can you tell me more about let's say you know you are OCBC maybe UOB and maybe some other banks right, do you all research on anything regarding maybe the competitive advantage that OCBC frank has uh above all the other banks in singapore


oh so uh you know right among your four hundred participant hor uh how many of the participant that you interview is like maybe poly students then maybe how many of it right is maybe uh adult that kind of thing why don't you tell me more about it lah


!wah! how you even how you even find university students and uh adults to interview sia cause we are like polytechnic students how do you even go and find such connection with all the adults to even be able to survey them or interview them that's cool sia


oh by right you put your survey questions on online like your instagram story that kind of thing right but I know a lot of people right, like they always anyhow go and fill all this kind of survey anyhow fill everything like what like isn't that very troublesome what how do you even do to like you know maybe like uh stop this kind of things from happening


oh okay so like I want to find out more cause I see on your screen right you got like I think six or seven members in your group


so uh actually I want to find out more maybe uh maybe each person right uh what do you what what are they like normally in charge of in your in your entire project is do you do you have like specifically maybe some people is group leader some people timekeeper that kind of thing do you have this kind of arrangement in your group


oh, yes nevermind, continue continue yes


oh so what you are saying is that you and #wei qi# actually together you all got do do about the reward system on traditional banks is that correct, so I am actually quite interested regarding this reward system on traditional banks can you share more about the this thing to me or not


yes I have played those games what about it leh


okay yes I do I remember that what about it, so meaning what you are trying to say is that uh every time someone complete complete maybe uh an achievement then they will have this milestone kind of movement is it or is it something else


oh so this frank points that you mention right is it like an existing thing already or is it the frank point is it something new that you all you and your team created for this project


oh so you say this weekly test why got test one like what this test is about isn't your thing about like bank you know help people save money why got test one


oh


so this test that you do for them right is it like a so from what my understanding right is it like to find out to find out what uh their people habits are for saving investment that kind of thing


so by right you all of this all of these tests be found in maybe an application or is it found on their online website cause for me personally right if you ask me to do a test right I won't go and do it one, so like what will you do to go and encourage people like me who is lazy to do like test all this kind of thing to do to do all your tests that's so troublesome !aiyo!


!wah! that is so cool sia you still got invite all your all the big big shot come over here and do !wah! that's cool that's cool okay why don't you proceed to share about other kind of things I am quite interested in your project sia


okay sure, oh you all got do user journey map also ah you know for my FYP group right I also in charge of the user journey map leh why don't you show me your user journey map we can find out more about your user journey map leh


ya no problem take your time we got a lot of time, oh okay


ya sia I always late for my class every single day one leh I can so relate to your user journey map leh


oh but then isn't this paynow Paylah kind of thing it's already existing already so what what is something new that you all implement it's already something existing already what right


oh, okay, okay what else continue, yes good food I love mcdonald's especially their fries and their nuggets !wah! delicious sia