槍砲，病菌與鋼鐵 -- 西班牙人與印地安人

Introduction: Have you ever considered the intricate balance between risk and reward in the financial world? My journey in credit risk management, particularly in managing the “Buy Now, Pay Later” (BNPL) portfolios across Indonesia, Malaysia, Philippines, Vietnam, and Brazil, has been a revelation in this regard. In my 2.5

Have you ever wondered whether having more choices is truly advantageous? While options grant us the power of alternatives, often leading to better deals, they can also leave us paralyzed with indecision. I vividly recall the challenges I faced when choosing a university after excelling in my exams. Throughout various

Have you ever wondered how some companies outperform others, or why a business model thriving in one market falls short in another? As employees, we often operate within established or proven business models without questioning their efficacy, uniqueness, or the challenges they might encounter. Although pondering these questions might not