ORDER MANAGEMENT
SYSTEM
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Stationed in the living quarters of the university students, the kiosks, app & QR-triggered web-app capture orders more efficiently. Favourite benefit from adopting YQueue? Here’s a reply from Jenfi, owner of Supersnacks, “Manpower; I don’t need a full-time cashier, so I get savings from there.”
The kiosk effectively makes use of the shop space by redirecting the queue to a more spacious and well-lit environment for their customers. Staff who is now free of the cashier role focuses on preparing food and serving customers. With better customer experience, this leads to more sustainable brand loyalty.
Sandbox Somerset, organised by Invade in partnership with Somerset Belt, and powered by the National Youth Council, is an annual event featuring 100 Somerset Youth founders spanning across the Creative, Retail, and F&B industries.
SEE MOREOne of the best parts of this new Hvala is the futuristic ordering system. All you have to do is place your orders with these kiosks and you’ll get the food delivered right to your table, seamless and fuss-free.
SEE MOREThankfully, there are ordering and payment kiosks on every level with food and drinks delivered to their tables, saving the hassle of heading down right below to order. (I know not everyone is a fan of stairs.)
SEE MORENow with the YQueue app, you can simply OrderPay-Collect [take-away/self-service], or SeatOrder-Pay [dine-in]—and gain those precious moments with good company, or just a much needed ‘me time’. While it originally served the community in the university campus space, YQueue has since expanded, and now connects the ‘worker bees’ or neighbourhood crowd with their favourite bites.
From now until 12 October 2018, YQueue is offering a joint promotion where the highest spending customer wins a pair of Scoot vouchers worth S$1,000 on top of 25% discount o participating merchants!
*Limited to the first 250 redemptions per participating merchant, do download the YQueue app now and order from the following curated merchants. Starting from 13 October 2018, our readers can use our code “YQLIC” to enjoy 25% discount on all merchants in the app. This is limited to the rest of 200 orders. In the cart, simply use the promo code “YQLIC” before you place your order.
P.S. Follow YQueue on Facebook to nd out more, and so that you won’t miss out on exciting stu like the monthly giveaways to stand a chance to win a 49” LG TV in the month of October!
Source URL: https://www.ladyironchef.com/2018/10/yqueue-singapore/
A new food ordering app called YQueue is set to launch on the Gold Coast in May. The recent start up has seen a successful first launch in Singapore and nowthe founder George Lim looks to recreate that success in Australia. YQueue has been designed with the local food and beverage merchants in mind,as well as the consumer, which is what is setting it apart from other big names in the food ordering game, according to Hannah Churcher, Nishi Ratnayake (Account Executives) and Jay Nathwani, National Sales Manager. They spoke to us about the upcoming May launch, the platform’s Unique Selling Points(USPs) and YQueue’s future expansion.
Tell us about the launch in Singapore – how successful has YQueue been there so far?
The platform was officially launched in Singapore in the third quarter of 2017. YQueue currently has over 100 signed merchants across Singapore and we already have over 35 signed on the Gold Coast in Australia, despite not officially launching till May. The popular bubble tea establishment ‘Each A Cup’ had 942 orders, 356 unique customers and saved 30 hours per month on the YQueue platform. Additionally, the entire Singaporean Subway franchise has successfully adopted the YQueue platform which has been especially fruitful on their University campuses.”
Why have you chosen to expand into Australia and why now?
“Singapore and Australia were chosen as the founder of YQueue, George Lim, has successful businesses and relationships in both countries. It made sense for us to start in these locations before rolling out to other international cities. “Our developers are located in Brisbane and hence rolling out a platform here makes sense in terms of testing, adoption and local support which we understand is a priority for Australian business owners. “Australian businesses in the food and beverage industry, suffer from high labour and overhead costs, often finding it hard to survive. Our platform, if fully embraced, can and will help the owners. We understand that business is changing rapidly and keeping up with the latest advancements and automating various processes and functions will develop a competitive advantage.”
How is YQueue different to companies such as Uber Eats and MenuLog?
“Our unique selling proposition is to provide an all-in-one solution that provides the equivalent benefits and functionalities to both endusers and businesses who partner with us. “We have seen a pattern of small businesses simply being provided with a channel and promised a percentage increase in sales revenue.
“We’re different because provide a solution which gives businesses the capacity to reduce their operational costs, streamline their systems and operations, and ultimately provide them with the opportunity to provide their respective clientele with the best possible experience. “Our hyper-localised approach in dealing with businesses face-to-face paired with our ongoing support not only technically but also in marketing and sales consultancy sets us apart from competitors. Each business will have temporary YQueue support staff, to assist in setup and implementation of the YQueue platform before and during the launch promotional period.
“The app features in-built CRM which provides businesses with a direct marketing channel to strategise and communicate with theirr clientele.
“We also have apayment management system that has both local and international providers including DBS, Alipay, Google Pay, Amex and WeChat Pay; this ensures we can continue a relationship with the international tourism market which is a huge part of Australian revenue.” How are you spreading the word about the May launch?
“Our marketing strategy is multi-faceted and contains no predominant channel or tactic. We are using business partnerships with other start ups such as YesThanks Australia, influencer marketing, social media paid and organic promotion and different events to increase brand awareness.”
What are YQueue’s plans for the next five years?
“The plan for the next five years is to constantly grow the capacities of the YQueue application.
“Certain technical developments we can foresee include our ‘delivery’ functionality, where partnered businesses can utilise internal staff as their delivery drivers. Our application roadmap also includes booking table reservations and further down the line there will be lots of exciting add-on features in the third quarter of 2019 and 2020.
Singapore and Australia were picked as the initial launchpads for the platform and we are in talks about having the USA and London as our next targets.”
Sharing the low-down on the SG Food App scene, along with their respective Telegram promo channels (some of them seem really new though). Feel free to add on and share whatever else you know of 🙂
Delivery
· Grab (no introduction required. the one app to rule them all)
· Deliveroo (strong in CBD/town area)
· FoodPanda (strong in heartlands)
· Honestbee (ceased food delivery. grocery delivery still available)
· WhyQ (hawker delivery)
· Porterfetch (late night delivery 8pm-3am)
· Makan Kaki (hawker delivery) @sgmakankaki
· Bungkus (halal food delivery)
· Plum (delivery to CBD. Pulled out of SG Jan 2019)
Dabao/Takeaway in advance
· Eatsy (pre-order & pick up) @eatsyapp
· Waitrr (mobile food ordering)
· Mealpal (meal subscriptions starting from $7.99 per meal)
· Nomnomby (meal subscriptions starting from $7.99 per meal)
· YQueue (partners exclusively with DBS)
· CIRCL (mobile food ordering)
· Xindots (hawker fare)
· CutQ (pre-order & pick up. recently acquired by Fave)
Promotions / Deals
· Eatigo (off-peak discounts up to 50%) @eatigo_sg
· Fave (discounted deals up to 70%) @favesingapore
· Entertainer (1-for-1 deals. annual subscription)
· Burpple Beyond (1-for-1 deals. monthly/annual subscription) @burpplebeyond
· HungryGoWhere (reservations & vouchers)
· ShopBack Go! (earn cashback offline) @SBsmarterway
Reservations
· Chope (reservations & vouchers) @ChopeDeals
· Quandoo (reservations)
· HungryGoWhere (reservations, reviews & deals)
Reviews / Discovery
· HungryGoWhere (reservations, reviews & deals)
· Burpple (recently launched Burpple Beyond 1-for-1) @Burpple
· MUNCH (food discovery) @dontthinkjusteat
· MUNCH (food discovery) @dontthinkjusteat
Source URL: https://www.reddit.com/r/singapore/comments/byveew/compilation_of_the_best_food_apps_in_singapore/
One of our GeoTech, YQueue is currently running a 20% promotion with PizzaHut, Hitoyoshi Ramen and The Green Bar for this period of October (until 27 Oct) and they would love to extend the promotion for our GeoWorks Community!
Step 1:
Download the YQueue app, or click on the links below if you’re on your desktop. QR ordering also available in GeoWorks office!
The Green Bar : https://www.yqueue.co/sg/menu/the-green-bar-alexandra-retail-centre
Hitoyoshi Ramen : https://www.yqueue.co/sg/menu/hitoyoshi-ramen-mapletree-business-city-pasir-panjang
Pizza Hut: https://www.yqueue.co/sg/menu/pizzahut-psa-building-alexandra (or simply head to the kiosk in the office if you’re craving for some pizzas )
Step 2:
Browse through the menu, order and pay
Step 3:
Kick back as you wait for your order to be ready (there will be a notification if you order via the app!)
Step 4:
Head down to the outlet to collect your meal.
Enjoy your meal, and time saved!
Source URL: https://geoworks.sg/2019/10/10/yqueue-offers-20-promotion/
GOLD Coast start-up YQueue is the latest entrant to the food and beverage service space with its innovative app already used by 100 businesses. The George Lim-founded start-up offers an app enabling users to order, pay, and collect at restaurants and cafes without any need to queue or wait in line. The business, which has its accounts team based in Southport, also offers a fully integrated point-of-sale system for merchants, which can streamline the ordering and payment process via the use of tablets and in-store self-service kiosks. YQueue launched on the Gold Coast in October this year but the app was actually first trialled in Singapore in 2017.
“Singapore went extremely well. We have a few hundred businesses using it,” YQueue national sales manager Jay Nathwani said. “What we offer the business is the option to reduce operational expenses. Staff can spend more time on other tasks rather than taking orders.” Alister Thomson, Business Editor, Gold Coast Bulletin. Tired of queuing to order at restaurants and cafes? A Gold Coast start-up has just the app for you. BUSINESS YQueue start-up launches on Gold Coast with clever idea for skipping restaurant and cafe queues Mr Nathwani said that because Mr Lim hailed from the Gold Coast, it seemed a natural choice for the second launch location. He said 115 restaurants and cafes had come on board and were using the app.
YQueue charges a 5 per cent commission on transactions, including bank fees, something, Mr Nathwani argues, that is mutually beneficial for the vendor and client. “We want to provide businesses with a model that helps them. We would rather have as many businesses as possible (paying 5 per cent) using the app and only then would we see a return.” He said there were no set up costs for the restaurant with YQueue providing the tablet and back-end support. “There’s a lot in the media recently about how companies like UberEats are negatively impacting small businesses on the Gold Coast by charging commissions of up to 35 per cent plus GST and delivery fees, which leaves very little in the way of a profit margin for the business itself.
“Instead, we want to give struggling cafes and restaurants an opportunity to grow their businesses and make a profit, by bringing customers to their doors and not relying on third party representatives.” So far there have been 1000 downloads of the app. However, Mr Nathwani said the company planned in the future to focus on the fully integrated point-of-sale systems with the app becoming a complementary product. YQueue has started to roll out its self-service kiosks and plans to expand to Brisbane. Espresso Moto’s Jordan Stubbs said using YQueue was a big advantage. “With YQueue, there is no taking of the order required which increases efficiency because I don’t have to keep an eye on the tablet and the customers,” Mr Stubbs said.
Why spend time waiting in line for your food when you can skip the queue! YQueue is a mobile app that allows you to pre-order and pay for your food without being on location. Kevin Lee & George Lim, Co-founders of YQueue shares more.
Radio Podcast:
https://omny.fm/shows/money-fm-893/influence-beat-the-queue-with-yqueue
Source:
https://www.channelnewsasia.com/news/cna938/money-mind
George Lim looks like your average friendly uncle, togged out in a well-worn cotton shirt, comfortable chinos and loafers.
Those who know their watches may notice the only thing betraying him as a man of some means: a discreetly sporty Vacheron Overseas Chronograph Perpetual Calendar on his left wrist. One of only 80 limited edition pieces, it retails for nearly $100,000.
Truth is, the 67-year-old is a wealthy man. He didn’t strike the lottery or have an unexpected windfall. He became rich the tried and tested way: through hard work, big smarts and dollops of good luck.
He started out in life as a kampung boy, cut his teeth as a technician, put himself through university and worked as an engineer before setting up his own company selling valves and other products for the oil and gas industry.
After he sold the business for a pretty penny, he used the money to buy land and build good class bungalows, the profits of which multiplied his wealth many fold.
With nice homes here and in Australia, he and his wife could live out the rest of their days in extreme comfort. But resting on his laurels was a decidedly unattractive option, so in 2016, when he was 64, Mr Lim decided to try the start-up life.
He launched YQueue, an online ordering and payment solutions platform for the food and beverage industry. Among other things, he hopes the platform will help ease woes plaguing the industry such as manpower shortage, sloppy service standards and administrative inconveniences.
The ride has been bumpy because the start-up is operating in a highly competitive space. But Mr Lim is not daunted. He enjoys grappling with daunting challenges.
Chatty and congenial, he is the youngest of seven children.
His father made a humble living, first supplying nuts, and later curry pastes and pickles, to provision shops and eateries.
Mr Lim remembers waking up to the sound of kerosene stoves being pumped every morning as his parents started frying peanuts and cashew nuts in woks.
“We’d then help to pack them in small plastic bags before going to school,” he says, adding that the family lived in Tanglin Halt before moving to a house in a kampung in Kembangan.
His parents, he says, worked hard to raise seven children.
“We were poor but not destitute. Sometimes my father would find it hard to collect payment. I remember him coming home with a cash register one day because one of his vendors couldn’t pay him,” he says.
Life was carefree in his kampung except for a brief spell in the 1960s when Singapore was gripped by ethnic tensions.
“There was a very tense period in the kampung after a Chinese charcoal seller was killed,” says Mr Lim, who attended three different primary schools – St Joseph’s, St Anthony’s and St Stephen’s.
He completed his secondary education at St Patrick’s with mediocre O-level results which qualified him for only a two-year certificate course in mechanical engineering at the Singapore Polytechnic (SP).
“It was the first intake. They took in 600 students but only 300 remained in the second year,” he says, grinning.
After graduating, he landed a job as a technician with German camera manufacturer Rollei, which was persuaded by the Economic Development Board to set up a production centre here in 1971.
Pretty adroit with his hands, he acquitted himself well at the company where he worked for three years. During this period, he took night classes and obtained a diploma in mechanical engineering from SP.
National service came next, and he found himself selected for Officer Cadet School. The training, he says, benefited him tremendously.
“They put you through training to get the best or worst out of you. I also learnt to relate to all types of people,” he says, adding that the interpersonal skills he picked up were very useful when he later became a boss.
In the meantime, he squirrelled away his monthly officer’s pay.
By the time he completed national service, he had just enough savings to pay for a one-way ticket to London on Aeroflot as well as a year’s board and tuition at the University of Strathclyde in Glasgow, Scotland, where he had enrolled for a degree in mechanical engineering.
“By the time I finished my first year, I had shoulder-length hair. There was no money to go to the barber,” he says with a guffaw.
During term breaks, he headed for London, where he put in 13-hour days washing dishes in an Italian eatery. The wages were used to pay for the rest of his school fees, and also fund a one-month back-packing holiday in Europe.
On his return to Singapore in 1979, he worked for a year in a British marine engineering firm. A friend next employed him to market a valve for the next three years.
By then, he was married to a banking executive.
Mr Lim’s next move was to set up his own company, Fortim Engineering, selling valves and other engineering parts for the oil and gas industry in 1986.
His first office was his home.
“I had a few regular customers who would give me small orders,” he says.
One day, a supplier told him his boss might have misgivings dealing with someone operating from his home. That prompted him to rent an office in West Coast.
There was no looking back after that.
The business turned profitable within half a year and expanded quickly. It did so well that he could afford to buy a 6,000 sq ft commercial space to house his operations.
By 1999, what started as a one-man operation had a staff strength of 30 and a turnover of more than $15 million. He then sold Fortim “for more than $10 million” to Dutch corporation Transmark, which continued to employ him for the next five years.
The sale of his company caused him some anxious moments.
While waiting for it to be finalised, he successfully tendered for and paid $18 million for a bungalow sitting on a 48,000 sq ft piece of land in upscale Belmont Road.
Homes, he believed, would make sound purchases and offer great returns in land-scarce Singapore.
Mr Lim had several sleepless nights when Transmark suddenly wavered in its decision to purchase Fortim. Luckily, it went through with the deal.
He later divided the plot of land into parcels and spent $5 million to build three good class bungalows which he sold for a total of $33 million.
“I got a kick out of doing that. I really enjoyed it because I could make some money and keep myself busy,” says the enterprising man, who next bought a 44,000 sq ft piece of land in Leedon Road for $24 million before dividing it up to build two houses which sold collectively for about $54 million.
In the past 15 years, he has developed and built 15 good class bungalows in Singapore and four in Australia, with several setting sales benchmarks. In June 2018, he sold a newly built bungalow at Jervois Hill for a record $2,729.52 psf.
Property developing, he says, is not without risks.
He once said in an interview he was 50 per cent leveraged based on the property costs. But he also believes that demand for luxurious homes will continue to grow in tandem with a growing pool of wealthy people.
Many of the houses that he has built have been awarded Green Mark Platinum certification, the highest accolade for green features under the Building and Construction Authority’s Green Mark rating system.
“I was an early adopter of green technology. I put solar panels, collect rain water, don’t use chlorine in pools. I try to include what I think is important in life,” he says.
His own home in Leedon Park boasts an eye-popping 6m-by-4m aquarium.
The nest egg Mr Lim has built is big enough for him and his wife to spend the rest of their days taking vacations, sipping pina coladas and admiring the koi he loves so much.
But Mr Lim, a permanent resident in Australia where he now spends half of his time, is a man driven by curiosity and a love for technology.
“I keep reading about these new things,” he says, referring to tech start-ups. “And I thought to myself it is something that I could do.”
In 2016, he decided to build YQueue. The decision to do something in the food and beverage industry is probably driven, in part, by his own experience.
He once ran, unsuccessfully, a restaurant in Parkway Parade called Coachman Inn and knows the challenges faced by restaurants, chief of which is the difficulty in recruiting staff.
Many operators, he says, also think naively that they will succeed because they cook good food.
“But without good staff and good service, the customers won’t come back.”
He has several reasons for starting YQueue, chief of which is to help F&B operators tackle labour problems and embrace the digital era.
The system that he and his team have developed handles pre-ordering, ordering, self-collection, payment through apps, QR codes and kiosks.
Over the past few years, he has poured in nearly $6 million into his brainchild, which he hopes will allow F&B operators to focus on what should be most important: food and service quality.
The company employs about 30 people in its offices in the Gold Coast, Brisbane and Singapore.
YQueue has more than 100 signed merchants including Subway in Singapore and another 100 in the Gold Coast. About 25 kiosks installed with the software have also been placed in the city and on campuses including National University of Singapore and Singapore Management University.
Why not be an angel investor and put money in interesting ideas instead of working so hard in a start-up?
Money, he says, is not a problem.
“And if it is something I can achieve, it would be nice to have,” he says with a grin.
Mr Lim, who does not have any children, wants to spread his wealth around but is still deciding how he should best do it.
“I don’t believe in giving money to charity unless it’s a charity which helps people improve themselves,” says Mr Lim who has helped his wife set up a dairy farm employing 20 people as well as a paving factory in Uganda.
The way he looks at life, he says, is simple.
“If you know there is a way to improve it, you just do it.”
Source URL:
https://www.straitstimes.com/opinion/meet-george-the-builder
Singapore, 25 February 2020 – According to the snap poll done by the Restaurant Association of Singapore (RAS) from 10-13 February 2020, close to 60% of the restaurants in Singapore stated that they are expecting revenue to be halved in the next three months due to the novel coronavirus (COVID-19)[1]. Many of these players have since turned to alternative sources of off-premise business such as takeaways, and one of such companies that many restaurants have been approaching would be YQueue—an all-in-one integrated solution provider for restaurants. The benefits from these solutions stand out in times like these, when restaurant owners face problems with manpower, sales, and ultimately their bottom-line.
In addition, YQueue is offering to waive their service fees to their merchants for two months[2] to help them tide through this period, on top of their free hardware, software and maintenance.
YQueue’s operation model promotes the F&B business to drive sales while keeping human-to-human interactions to the minimum. Businesses can tap on services such as: app-listing, web-based QR ordering, Kiosk ordering and more, where customers are able to complete the whole ordering and payment process without human interaction.
Through YQueue, customers can pre-order on the app and takeaway items without having to queue, minimising interactions with the service staff.
With the dine-in option, customer-staff interaction is reduced as diners order and pay independently on their mobile phones through a designated QR code displayed at each table, which does not require any downloads. Once orders are ready, the restaurant staff serves the food to the diner, or the diners can collect their food from the collection point.
YQueue can also help business operators to reduce manpower dependency by providing a cashless environment that will remove the need of having cashiers and order-takers. With a platform that shows the daily transactions and being integrated with a cloud-based accounting software, businesses can reduce the amount of physical contact between staff and diners, whilst ensuring the smooth running of operations.
“In the current situation where diners are cutting-down on restaurant dine-ins, and prefer to have minimal human interactions; YQueue would like to help both the customers and merchants tide through this period”, said George Lim, Director of YQueue. “As a solution-provider with cost-management and customer experience in mind, YQueue would like to take this opportunity to promote digitalization in the F&B industry.”
[1] From 1st March 2020 to 30th April 2020
[2] Announced at the Restaurant Association of Singapore (RAS) Press Conference on 13 Feb 2020
2019冠状病毒疫情升温,餐饮零售业一片冷清。新加坡餐饮协会一项调查发现,近六成受访业者估计,未来三个月营业额恐怕会锐减超过一半。
有民众表示:“可能会减少出去,然后减少和他人接触,这样就可以避免任何同病毒接触的可能。”
这名食客则表示:“我都是打包回家吃的,就是因为感觉外面不是很安全。”
另一名食客说:“大多数都在家里自己煮,不然你就打给那个外卖服务。”
也有民众表示:“还是照样去照常的地方,只是比较注意卫生。”
为协助餐饮业者渡过难关,有公司未来两个月免费让业者使用点餐机器,减少员工同顾客的接触。顾客也可扫描二维QR码,应用程序点餐,然后进行无现金付款。
点餐科技公司合作与营销执行员陆怡君说:“目前我们有100多家餐饮业者在使用YQueue。过去两个月因为这个冠状病毒的问题,大概估计有20%到25%的增加。很多人都意识到其实他们不喜欢在外面多逗留,所以我们就提供了一个可以在办公室还是在家里直接预订的这个功能。”
这家餐馆受疫情冲击生意跌了一到两成,上个月开始采用这门科技,但发现有顾客担心机器上的细菌,更倾向使用应用程序。不过机器还是为餐馆解决了人手短缺的问题。
餐馆老板严思源说:“我们的工人离开了,幸亏有这个就帮到一点点现在就是不用收钱,他就可以专注在他原本的工作。平常的客人如果因为比较怕跟人家接触,这些科技都会帮到你一点点。如果没有这些科技可能这些客人都没有来了。”
餐饮业趁机数码化,需投入资金、培训员工,同时调整工作流程。有学者认为业者一旦踏出这一步,就难以恢复到传统模式。不过企业可以为员工提供培训,重新设计工作把人才留住。
NEWS REPORTER: To help F&B businesses tide through these difficult times, YQueue is offering to waive off their service fee to their merchant for two months to reduce contact between employees and customers. Customers can also scan the QR code to use the app to order and make a cashless payment.
ZACHELA: Currently, we have more than 100 merchants using YQueue. Due to the current coronavirus situation, over the past two months, there has been an estimated increase of 20% to 25% merchants. We realised that many people prefer not to stay outside for too long, so we provided a feature that can allow users to order or book directly on the app while they are in their office or at home.
NEWS REPORTER: The Bettership was affected by the epidemic, and their business dropped by about 10% to 20%. It started using the technology last month but found that customers were worried about the bacteria on the machine and preferred to use the app to order. However, the device has helped to solve the issue of shortage of manpower for the restaurant.
SHAUN: With employees that left, thankfully the technology has helped to overcome this manpower shortage. The fact that they do not have to handle payment, the employees can concentrate on other main tasks that they have on hand. For those customers who are afraid of having close contact, these technologies have been of help to them. Without these technologies, some of the customers may avoid patronising our restaurant.
NEWS REPORTER: For F&B businesses that would like to take the opportunity to incorporate digitalisation, will have to invest capital, train their employees and adjust work processes. Some believe that once the industry takes this step, it will be difficult to revert to the traditional method. But companies can provide training to employees to redesign job scopes and retain talents.
Source URL:
https://www.8world.com/news/singapore/specialreport/clickit/article/ci-yqueue-1058951
2019冠状病毒疫情对各行各业带来冲击,2020年财政预算案如何帮助国人与企业渡过难关,保住国人饭碗?特备节目《点看预算案》也带观众了解政府推出了什么新措施,照顾国人的心理健康。
With the sudden attack of coronavirus in 2019, coupled with the economic slowdown, technology has disrupted the way of work and life. Bringing many uncertain factors, this year’s budget continues to promote economic transformation. Helping employees improve their skills also provides assistance to middle-aged workers. Also take care of the mental health of workers and students
Source: https://www.mewatch.sg/en/series/budget-n-you/ep1/925078
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