How AI HACKS Bank Accounts and How To PROTECT Against Them - AKATI Security's Krishna Rajagopal

John Huo of VUCA Insights returns to the show to share his perspective on navigating today's rapidly evolving investment landscape. With markets more dynamic—and demanding—than ever, John emphasizes why it’s critical for individuals to actively explore and diversify their investment opportunities. In this episode, he breaks down his fund’s strategic approach to adapting in a high-pressure environment and offers practical insights into building long-term financial security. Whether you're just getting started or rethinking your path to retirement, John shares actionable ideas on how to position yourself for a comfortable and confident future — and reveals why he strongly discourages people, especially young adults, from investing in real estate. CHAPTERS 00:00 - The necessity to invest money  02:00 - The issue of inflation 05:33 - Money is constantly losing value  11:13 - The importance of working with credible partners  15:53 - The risks of investing in mainstream outlets  23:03 - How drawdowns can induce panic  33:56 - Meta earnings are growing exponentially 38:07 - How VUCA insights ensures consistent returns  43:18 - Desktop research is not enough 46:21 - Market forecasts 50:53 - 3 things to do to ensure a comfortable retirement   Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ --- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/@DoMoreToday.Official ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.today/

In this week’s episode, we sit down with Wallace Yu and Chris Chia from DARA (Digital Asset Rating Agency) — two experts on a mission to bring structure, transparency, and trust to the wild west of digital assets. With the digital asset space evolving at breakneck speed (and often without a rulebook), DARA is working to build a much-needed framework to evaluate and rate these assets — giving investors the tools and insights they need to navigate this volatile landscape with confidence. If you’re curious about the future of crypto, blockchain-based assets, or just want to understand what makes one project more credible than another — this conversation is for you. 👉 Don’t forget to like, subscribe, and hit the bell so you never miss an episode. 0:00 - The need for a digital asset rating agency 8:08 - The growth of the digital asset space  10:12 - What goes into setting up a rating agency in Asia  15:30 - The nature of the current crypto bull run  23:55 - How to assess a crypto asset  27:46 - DARA bitcoin products and the Asian crypt market  36:24 - Wealth protection for digital assets  40:36 - How does DARA assess the risk of AI to digital assets?  44:35 - What might convince the Malaysian government to invest in digital assets  ---  Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ --- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/@DoMoreToday.Official ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.today/

EPISODE CHAPTERS; 00:00 - Why investing in a necessity 01:56 - Sharia-compliant wealth growth 04:31 - The appeal of investing globally 07:02 - How do you know if an investment is Sharia-compliant?  10:09 - Are digital assets Sharia-compliant?  12:21 - Thoughts on over-diversification of an investment portfolio 14:45 - Assessing investment risks 18:06 - Investing in digital assets 21:06 - Digital vs Physical assets  26:31 - How are advisors preparing for the future 31:41 - The sandwich generation handling finances 36:11 - Markets always moving is not healthy  42:30 - Is a 15% hurdle rate sufficient?  --- Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ --- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/@DoMoreToday.Official ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.today/

Chapters 00:00 - The current AI landscape 02:57 - How AI is increasing cybercrime 08:00 - Who is most at risk of online scams?  11:13 - What can I do to protect myself against online scams?  14:53 - How hackers steal your data 18:00 - How hackers exploit banking loopholes  25:15 - How secure is your EPF?  26:48 - How common are online scams now?  28:56 - AI evolution vs Human evolution 32:11 - Causes for concern  35:48 - A crazy deepfake scam that took place in Hong Kong  40:41 - Conclusion ---  Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ --- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/@DoMoreToday.Official ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.today/

It’s earnings season once again, and with an anticipated interest rate cut from the US Federal Reserve on the horizon, there’s a lot at stake for investors and the broader economy. To help break it all down, we sat down with our good friend and regular contributor Stephanie Leung, CIO at StashAway. Chapters 00:00 - What's in store for the second half of 2025 05:27 - How will the imminent Fed rate cut affect investments  10:20 - Which assets perform well during a rate cut?  15:05 - What does this mean for Bitcoin? 17:48 - Mag 7, AI and Crypto 20:06 - How to use Stashaway to prepare for a rate cut 20:54 - Can Apple drop out of the magnificent 7? 24:35 - Final thoughts on how to use Stashaway --- Follow Steph here: LinkedIn: https://hk.linkedin.com/in/stephanie-leung-hk Hubbis: https://www.hubbis.com/individualprofile/602f607ba1b0dc785089dd20 Tatler: https://www.tatlerasia.com/power-purpose/front-female/top-of-her-game-stephanie-leung-stashaway --- Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ --- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/@DoMoreToday.Official ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.today/

The game has changed, and not in your favor. In this episode, Professor Guy Standing talks bout how rentier capitalism is quietly eating away at your future, turning workers into disposable pieces while the top stack cash just by owning things. He breaks down why the “precariat” is growing fast, and why most of us are way closer to it than we’d like to admit. We also get into how tech, AI, and automation are reshaping who gets security and who gets left behind.. and no, the market won’t fix it on its own. Basic income, political pressure, and a total rethink of power? It’s not idealism. It might be survival. Chapters 00:00 - How the Rich Get Richer Without Working 08:57  - Are You Part of the New Invisible Class? 16:10 - Why Global Power Is Shifting Fast (And What It Means for You) 21:20 - Is AI Taking Jobs or Just Making Billionaires? 25:16 - Could Free Money Actually Fix the Economy? 28:32 - Why Real Change Starts at the Bottom 33:43 - What Killed Social Democracy? 41:55 - The One Political Shift That Could Change Everything --- Follow Guy here: URL: https://www.guystanding.com/ Goodreads: https://www.goodreads.com/author/show/319309.Guy_Standing Wiki: https://en.wikipedia.org/wiki/Guy_Standing_(economist) --- Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ --- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/c/DoMoreTakeChargeofYourLife ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.asia/

Tradeview Capital Founder and CEO Ng Zhu Hann tells the story of how he began his fund management company in an ultra-competitive Malaysian market and in so doing, shares the secrets of how some people make money from shares but the vast majority lose money.  Zhu Hann also shares advice and tips about how to start investing plus how he is thinking about how the financial markets will perform over the next 1-2 years.    Chapters 01:05 - The Transition From Employment To Starting A Business in Asset Management  03:41 - Fundraising For The Fund .. How Difficult?  05:41 - What's The Pitch? How Will You Make Money For Investors?  07:45 - What Do Older Investors Look At For Returns?  10:45 - How Tradeview Tries to Beat Index Returns and Inflation   15:55 - How EPF Addresses The Challenge of Having A Massive Fund Size  17:33 - Let's Talk About FEES .. 22:40 - How Robo-Advisories Can Offer Low Fees But What Are The Challenges?  25:20 - How Are You Thinking About the Malaysian Share Market?  28:40 - Retail Investors Need to Be Aware of 'Hot Tips', Pump 'N Dump Schemes, Syndicates  31:50 - Are The Young Coming to the Share Market?  33:37 - Malaysian Investing Faces Structural Challenges  38:50 - Rule No.1: Don't Lose Money!!  40:15 - How Would You Invest RM10,000 Today?  44:36 - Is There An Ideal Allocation Sequence or Strategy?  46:50 - Where Will Tradeview Invest in the Next 1-3 Years?  48:40 - Which Sectors Does Hann Like?  53:30 - What About Public Markets? Hann Talks HK, China, Thailand, Indonesia, Japan  1:02:10 - How Would You Advise A 50-Yr-Old To Invest His Money To Retire in 10 Years Time  1:05:53 - How Much Money Do You Need To Retire?  1:07:52 - Why Not Digital Assets Like Bitcoin? 

Bitcoin as "digital gold" is either the most brilliant rebranding in financial history or complete nonsense.. and we're not sure which yet. Gold has been around for thousands of years. It sits there, does nothing, and somehow maintains value. Bitcoin? It's basically a teenager having mood swings every few hours. Calling them equivalent feels like comparing a Rolex to a smartwatch; sure, they both tell time, but one's going to need a software update next week. Whether Bitcoin actually becomes the stable store of value everyone keeps talking about depends on whether it can shake off its reputation as digital gambling chips. The smart money says it will. The skeptics say it's all just very expensive speculation with extra steps. Either way, we're watching something historic happen, or, the most expensive bubble in human history slowly deflate.   --- Follow Steph here: LinkedIn: https://hk.linkedin.com/in/stephanie-leung-hk Hubbis: https://www.hubbis.com/individualprofile/602f607ba1b0dc785089dd20 Tatler: https://www.tatlerasia.com/power-purpose/front-female/top-of-her-game-stephanie-leung-stashaway --- Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ --- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/c/DoMoreTakeChargeofYourLife ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.asia/

We sat down with Stashway's Chief Investment Officer to talk about his winding path from coding to calling the shots on investments. Turns out, making the jump from computer science to finance gave him a pretty unique lens on the whole game - one that becomes especially valuable when markets stop making sense. That tech background really shows when he walks us through what it's like trying to invest during those black swan moments that make even the smartest strategies look foolish. His approach to these unexpected events naturally led us into discussing why getting your asset allocation right matters more than ever when nobody knows what's coming next. This is where things get interesting. To make sense of today's investment landscape, he's conceptualized what he calls the FAT framework (Fiscal Dominance, AI, and Trump); basically the three big forces he thinks are shaping where money should go right now. The first piece of this puzzle, fiscal dominance, had him spending considerable time explaining how America's massive debt problem isn't just a political talking point, but something that's actually changing how smart money thinks about investing. From there, our conversation naturally shifted to practical implications. We dove into why gold keeps coming up in serious investment conversations (hint: it's not just for doomsday preppers), which connects directly to how interest rates and the whole AI revolution might completely reshape economic growth.   ///Chapters 00:00 - From Tech to Finance: A Journey of Discovery 02:54 - Navigating Black Swan Events in Investment 05:47 - Asset Allocation Strategies for Uncertain Times 08:59 - The FAT Framework: Fiscal Dominance, AI, and Trump 12:01 - US Debt and Its Implications for Investors 14:50 - Gold as a Safe Haven: Long-Term Perspectives 17:55 - The Role of Interest Rates and AI in Economic Growth   --- Follow Steph here: LinkedIn: https://hk.linkedin.com/in/stephanie-leung-hk Hubbis: https://www.hubbis.com/individualprofile/602f607ba1b0dc785089dd20 Tatler: https://www.tatlerasia.com/power-purpose/front-female/top-of-her-game-stephanie-leung-stashaway --- Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ --- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/c/DoMoreTakeChargeofYourLife ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.asia/

What happens when the guy writing the rulebook decides to tear it up and start his own game? We caught up with Mohammad Ridzuan Abdul Aziz, who's had one hell of a career arc. He went from watching over Malaysia's markets at Bursa to jumping headfirst into the startup world - insurtech, digital banking, compliance tech, you name it. But this isn't your usual "I quit my corporate job to follow my dreams" story. Ridzuan's got this unique angle: he thinks like a regulator when he builds companies, and it turns out that's actually a massive advantage. We talked about why he's convinced B2B is the way to go in Malaysia (spoiler: B2C is brutal here), why everyone's obsession with becoming the next unicorn is kind of missing the point, and how things like AI and tokenization are not just creating more noise but genuinely changing the game. The conversation gets real about what it's like building in smaller markets, how easy it is to get trapped thinking too locally, and why Malaysian entrepreneurs might actually have more going for them than most people realize.  Chapters 00:00 - Who Is Mohammad Ridzuan Abdul Aziz? 02:56 - Why Doing Business in Malaysia Feels Like Running in Sand 05:45 - From Regulator to Risk-Taker: How He Bridged Both Worlds 09:05 - What It Really Takes to Scale a Startup 12:14 - The Business Rules Ridzuan Actually Lives By 15:04  - Tech Isn’t Everything, But It’s Close 17:55  - Building Trust in a Distrustful Market 20:52  - What Malaysia Can Learn from Global Business Culture 24:04  - Digital Banks and AI: What’s Coming and Who’s Ready 26:57  - Going Global: Why Thinking Local Will Kill You 35:49  - Why First-Principles Thinking Separates Winners from Noise 38:22  - The Talent Problem No One in Innovation Wants to Talk About 40:53  - EVs, China, and Why Germany Lost the Plot 44:12  - So You Want to Start a Business? Read This First 48:58  - How AI is Reshaping Business Faster Than You Think 52:09  - Digital Assets Are Coming for Traditional Finance --- Follow Ridzuan here:  LinkedIn: https://my.linkedin.com/in/ridzaziz --- Follow Chuang here:  URL: http://www.domore.my/ LinkedIn: https://www.linkedin.com/in/hsu-chuang-khoo-ab199343/ FB: https://www.facebook.com/khoo.chuang/ IG: https://www.instagram.com/khoohsuchuang/ --- Follow DoMore here:  WEBSITE: https://www.domore.my/ YOUTUBE: https://www.youtube.com/c/DoMoreTakeChargeofYourLife ITUNES: https://apple.co/2lQ47mS GOOGLE PLAY: https://bit.ly/3b1l8iO SPOTIFY: https://tinyurl.com/y6zufvcp PODBEAN: https://domoreasia.podbean.com/ INSTAGRAM: https://www.instagram.com/domore.asia/