Daniel Koh is a RECATOOLS editorial persona focused on fintech, digital payments, banking technology, market infrastructure, and digital-economy regulation. Articles under this byline explain how financial technology and policy changes affect consumers, businesses, and regional markets.

About this byline

Daniel Koh is a RECATOOLS editorial persona for finance and digital-economy analysis. Articles are produced and reviewed under RECATOOLS editorial supervision.

Editorial responsibility for this byline rests with Jeffrey Tan (Tan Seng Fei), RECASYS, Singapore. Our Editorial Policy sets out how sources are reviewed, how AI-assisted workflows are used, and how editorial desks and personas are defined.

79
Articles
Finance
Primary beat
May 2026
Writing since
~592 min
Total reading
All 79 Finance 61 Business 11 ASEAN Tech 4 Sustainability 3

Articles Showing 51–60 of 79

A coastal bridge crossing calm water — two retirement systems separated by one strait
Finance

EPF vs CPF: How Malaysia's and Singapore's Retirement Systems Compare (2026)

Side-by-side 2026 comparison of Malaysia's EPF and Singapore's CPF: contribution rates, ceilings, dividends vs floors, withdrawals and cross-border rules.

21 Jul 2026 · 14 min read
HDB flats in Singapore — working out what mortgage your income actually supports
Finance

How to Estimate a Mortgage You Can Actually Afford (Singapore & Malaysia, 2026)

TDSR, MSR and the 4% floor in Singapore; bank DSR practice in Malaysia — two worked examples show exactly how much home loan you can afford in 2026.

14 Jul 2026 · 12 min read
A printed till receipt — where Malaysian service tax actually shows up
Finance

SST in 2026: What's Taxed, What's Not, and How to Compute It

Malaysia's SST in 2026, receipt by receipt: which goods carry 5% or 10%, which services pay 6% or 8%, the Jan 2026 rental cut, and three worked examples.

14 Jul 2026 · 9 min read
Jakarta — BPJS health and employment contributions come off Indonesian payslips
Finance

How BPJS Kesehatan & Ketenagakerjaan Deductions Work (2026)

What BPJS Kesehatan and Ketenagakerjaan take from an Indonesian salary in 2026: rates, the two different wage caps, and a full Rp10 million example.

14 Jul 2026 · 7 min read
Kuala Lumpur skyline — comparing take-home pay across the causeway
Finance

Singapore vs Malaysia Income Tax: Where Does Your Salary Go Further? (2026)

Three salaries computed under SG YA2026 and MY YA2025 rules: tax bands, CPF vs EPF deductions, and the honest cash vs tax-only take-home split.

14 Jul 2026 · 9 min read
Singapore skyline — CPF contributions rise with the 2026 senior-worker rates
Finance

CPF Contributions Explained: Rates, Ceilings & What Changed in 2026

The 2026 CPF rate table, the $8,000 OW ceiling, the AW bonus formula, and a full worked example — plus the senior-rate step-up already set for 2027.

14 Jul 2026 · 7 min read
Calculator and tax paperwork — working out a monthly PCB deduction
Finance

How to Read Your Malaysia PCB (MTD) Deduction — the Formula Explained (2026)

Your PCB deduction is an estimate of your annual tax, spread across the months. Here's the LHDN formula behind it, with 2026 rates and a worked example.

14 Jul 2026 · 9 min read
Malaysian ringgit banknotes — EPF, SOCSO and EIS are deducted from monthly wages
Finance

How to Calculate EPF, SOCSO & EIS Deductions in Malaysia (2026)

Most Malaysian employees pay 11% EPF plus small SOCSO (0.5%) and EIS (0.2%) deductions — here's how the 2026 band tables really work, with a full worked example.

14 Jul 2026 · 9 min read
Close-up of a financial graph on a laptop screen, depicting stock market analysis in Berlin.
Finance

OpenAI Files Confidentially for an IPO — What Is Actually Confirmed, and What Is Still Just a Target

OpenAI has confirmed it submitted a confidential draft IPO registration to the SEC. Goldman Sachs and Morgan Stanley are reported to be advising on the listing, but timing, pricing and valuation are not set, and because the filing is confidential, OpenAI's financials remain private. The trillion-dollar figure is analyst speculation, not the company's stated target.

16 Jun 2026 · 6 min read
Close-up of various cryptocurrency coins including Bitcoin, EOS, and Litecoin on a colorful background.
Finance

Stablecoins Are Becoming Settlement Plumbing — and Singapore's Rulebook Is About to Matter

Early-June moves by Mastercard and Visa show stablecoins shifting from speculative asset to back-end settlement rail. As the US GENIUS Act and EU MiCA bed in, Singapore's MAS stablecoin framework is the ASEAN piece to watch.

8 Jun 2026 · 6 min read
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