Decoding CDC Vouchers
97% of Singaporean households say the S$800 actively changes what they do. Half redirect the freed cash into savings; four-in-ten stock up before expiry. A behavioural simulation of 500 Singaporean households on the CDC Voucher scheme.
Indonesia's Frozen Credit Card Market
6% penetration. 67% BNPL growth at the same banks. A study of 2,400 simulated Indonesian consumers reveals three demand signals the industry is ignoring — and the playbooks that already work elsewhere.