Mammoney - Your Ultimate Guide to Personal Finance & Investing

Singapore’s Fintech Ecosystem: Top Startups to Watch Introduction Singapore's fintech ecosystem stands as a beacon of innovation in the Asia-Pacific region, transforming the city-state from a traditional financial hub into a global powerhouse for digital finance. With its strategic location at the crossroads of Southeast Asia's burgeoning economies, a population that is digitally savvy, and a government that prioritizes technological advancement, Singapore has cultivated an environment where fintech thrives. As of 2025, the ecosystem boasts over 1,600 companies, capturing more than 50% of ASEAN's total fintech funding, which reached US$745 million in the first nine months of 2024 alone, according to PwC's Fintech in ASEAN report. This surge is fueled by the Monetary Authority of Singapore (MAS), which has invested heavily in initiatives like the Financial Sector Technology and Innovation Scheme (FSTI 3.0), committing up to S$150 million over three years to attract globa...

Investing in China's AI Startups: What Foreign Investors Should Know Introduction China's artificial intelligence sector stands at the forefront of global technological transformation, with projections indicating that total AI investment in the country will reach $98 billion in 2025, over half of which is backed by government initiatives. This surge reflects not only Beijing's strategic ambition to integrate AI into 90 percent of its economy by 2030 but also a burgeoning ecosystem of innovative startups driving breakthroughs in generative AI, autonomous systems, and industrial applications. For foreign investors, the allure is undeniable: access to a market where AI adoption is accelerating at unprecedented speeds, fueled by a talent pool that produces more engineers annually than the entire United States combined, and a policy landscape that prioritizes self-reliance amid U.S.-China tech tensions. Yet, this opportunity comes wrapped in complexities—geopolitical risks, regu...

Venture capital (VC) has become a cornerstone of the modern financial landscape, providing essential funding to startups and early-stage companies with high growth potential. For investors, venture capital offers the opportunity to participate in the success of innovative businesses and potentially achieve substantial returns. In this article, we will explore the various venture capital investment opportunities, the benefits and risks associated with VC investing, and strategies for identifying and evaluating potential investments. Understanding Venture Capital Venture capital involves investing in early-stage companies that are typically not yet profitable but have significant growth potential. These investments are made by venture capital firms, which raise capital from institutional investors and high-net-worth individuals. The goal of venture capital is to provide the necessary funding and support to help these companies grow and eventually achieve a successful exit, such as an ini...