04/07/2024

The Fourth of July 2024

Independence Day (United States)
Fireworks displays, such as these over the Washington Monument in 1986, take place across the United States on Independence Day

Independence Day, known colloquially as the Fourth of July, is a federal holiday in the United States commemorating the Declaration of Independence, which was ratified by the Second Continental Congress on July 4, 1776, establishing the United States of America.

The Founding Father delegates of the Second Continental Congress declared that the Thirteen Colonies were no longer subject (and subordinate) to the monarch of Britain, King George III, and were now united, free, and independent states. The Congress voted to approve independence by passing the Lee Resolution on July 2 and adopted the Declaration of Independence two days later, on July 4.

Independence Day is commonly associated with fireworks, parades, barbecues, carnivals, fairs, picnics, concerts, baseball games, family reunions, political speeches, and ceremonies, in addition to various other public and private events celebrating the history, government, and traditions of the United States. Independence Day is the national day of the United States.

The Founding & Discovery of America

History has it that on October 12, 1492, Christopher Columbus landed in the Americas. But was he the first one to do so, really? Well, according to an ancient map, a Chinese explorer named Zheng He predated Columbus by over 70 years! Just how much do we know about this map and its supposed author? And is there any historical evidence to confirm these claims? In this gallery, we delve into the theory that states China reached the Americas first.

In 2006, a Chinese lawyer and collector named Liu Gang unveiled an old map at a Shanghai bookshop. The map was supposedly an 18th-century copy of a map from 1418. Unlike other European maps back then, this one depicted North and South America, as well as Australia and Antarctica. The man behind the map was supposedly Chinese explorer Zheng He (1371-1433). The Chinese Muslim eunuch traveled across the seas for 30 years. From 1405 to 1433, Zheng He is said to have set sail on seven voyages through the Pacific and Indian Oceans. Indeed, there are historical records of his trips to Southeast Asia, India, the Persian Gulf, and the east coast of Africa, as well as evidence of his using advanced navigational techniques and ships.

But according to former British submarine lieutenant-commander and author Gavin Menzies, Zheng He went even further, and was the first one to discover America. According to Menzies, the Chinese explorer did so in 1421—that’s 71 years before Columbus! Menzies laid out his theory in his 2003 book, entitled ‘1421: The Year China Discovered America.’ Menzies has welcomed the map as evidence, despite the fact that the map of America is dated three years (1418) prior to when Zheng He supposedly discovered the New World (1421). It goes without saying that the authenticity of the map has been disputed.

03/07/2024

Bringing the Chinese Dialects back

How to speak to Grandma before her language dies

Over the past two decades, there have been both academic and public discourse about how the loss of these languages have created problems for intergenerational communication between grandparents and their grandchildren. Young Singaporean Chinese have also reported a sense of identity loss in not being able to speak their “dialect” and are keen to search for their roots.

More crucially, older Singaporean Chinese who only speak “dialects” have problems navigating public services, and it is especially critical in hospitals and nursing homes. These issues have not gone unnoticed. There are online communities getting people together to learn these languages in order to revive them. Organisations are also running classes for healthcare workers so they can better look after patients. The prohibition of “dialects” in the media space has also since been less strict. Today, Mediacorp’s Channel 8 features “dialect” programmes on Friday mornings, and radio station Capital 95.8FM offers daily news bulletins. “Dialects” are also used to convey information and public policies to the elderly. Some escalators at MRT stations have safety announcements in Hokkien and Cantonese to remind commuters to hold on to the handrail.

Despite all these efforts however, one cannot revive the dead. These revival attempts are affective responses to our feelings of nostalgia, or maybe even wistful regret and anxiety that these “dialects” will no longer be in our linguistic space. However, the fact is, there is little space and need for them once our grandparents die. Research has shown that grandparents today have heeded the government policies well and pivoted to speaking Mandarin and/or English with their grandchildren. Our next generation of grandparents are the ones who have grown up in the era of post-independence language policies, and so they would have been educated in the official languages. Just like M and Amah in the movie, communication will still take place, just not in Amah’s language.


How about learning some dialect to bond with grandma?
The young founders of my Father Tongue: Melissa Goh, Fiona Seah and Cherie Lim

When author and blogger Grace Tan first met her boyfriend’s grandmother, she found herself tongue-tied. It’s not because the 29-year-old is shy; it’s because she couldn’t chat with the 85-year-old as the latter speaks only Teochew. “It was ridiculously difficult to communicate with her as she doesn’t speak Mandarin. So while she understands while I’m trying to say in Mandarin, she can’t respond to me at all,” said Tan.

But these days, Tan is able to use some conversational Teochew greetings such as “How are you feeling?” and “What would you like to eat?” thanks to the Teochew classes she attended at a community centre. Her efforts have been reciprocated by the older lady who would laugh and correct her pronunciation. Naturally, they’ve gotten closer.

Tan’s Teochew class was organised by a student initiative My Father Tongue, set up by Fiona Seah, Melissa Goh and Cherie Lim from Nanyang Technological University’s Wee Kim Wee School of Communication and Information as part of their final year project. These free Hokkien, Teochew and Cantonese classes are held in community centres around Singapore in partnership with Viriya Community Services, which provides the teachers and learning materials.



Are Chinese dialects at risk of dying out in Singapore?

Dialects are not just a form of communication but convey cultures, identity and family ties, proponents say. But with fewer Chinese Singaporeans speaking these languages, is there value in learning them?

For years, Brandon Seah had a nagging thought at the back of his mind – to learn Teochew properly one day. He had picked up simple phrases from his grandmother when he was young. But like most of his generation, the use of predominantly English and Mandarin in school and at home meant that he never quite mastered his dialect, as much as he wanted to.

“It’s the first language of your grandparents but because it’s not yours, it becomes hard to have proper conversations with your own grandparents or even within the family. If you think about it, it’s actually quite strange. “We think it’s ‘normal’ because we all grew up with this experience but if you go to other countries or communities, it’s not,” said the 36-year-old. “So for the longest time, I told myself that someday I will learn it properly.”

Chinese Dialects Revive After Decades of Restrictions
Tok Kim Kiok, left, and his wife, Law Ngoh Kiaw, both Hokkien speakers, look on as their English-speaking grandchildren play. Credit Sim Chi Yin for The New York Times

The Tok and Teo families are a model of traditional harmony, with three generations gathered under one roof, enjoying each other’s company over slices of fruit and cups of tea on a Saturday afternoon in Singapore. There is only one problem: The youngest and oldest generations can barely communicate with each other.

Lavell, 7, speaks fluent English and a smattering of Mandarin Chinese, while her grandmother, Law Ngoh Kiaw, prefers the Hokkien dialect of her ancestors’ home in southeastern China. That leaves grandmother and granddaughter looking together at a doll house on the floor, unable to exchange more than a few words. “She can’t speak our Hokkien,” Mrs. Law said with a sigh, “and doesn’t really want to speak Mandarin, either.”

This struggle to communicate within families is one of the painful effects of the Singapore government’s large-scale, decades-long effort at linguistic engineering.

Chinese Dialects - Uniquely Singapore
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The Death of Dialects in Singapore

Singapore’s many Chinese dialects (Hokkien, Teochew, Cantonese, Hakka etc.) came about as a result of early settlers arriving from various provinces in China.

In the 1950s & 60s, Singapore, like many de-colonised countries, began a search for an independent national identity. The Chinese in particular, turned to the cultural products of film and music from Hong Kong as a source of inspiration. The fascination with Hong Kong was also seen as a reactionary and feudal ‘Yellow Culture’ that was set out to oppose the ‘Red’ culture still apparent in Communist China.

Canto-pop in particular, boomed because of its apparent lack of censorship and ‘sexy songstress’, and made its way to the hearts of Singapore with popular Hong Kong singers taking centrestage at the Republic’s newly established culture centre, the National Theatre.

Chinese Dialects - The Real Singapore

All ethnic Chinese Singaporeans are born to parents who belong to one of several dialect groups here. There isn’t any ‘formal’ schooling or training (as in formal lessons conducted in a classroom) wherein our children are taught to speak the dialect of his or her parents, grandparents, and elders. Rather, it is quite literally by word of mouth that from birth we are inducted, nurtured, taught and ‘immersed’ by our parents into the cultural mores, values and habits of our respective dialect groups. Meaning, this comes about very naturally especially and particularly between mother and child (hence, the real origin of the term ‘mother tongue’ to describe this intimate nurturing relationship. Regrettably the term has been quite brazenly hijacked by the MOE to describe the compulsory learning of Mandarin by all ethnic-Chinese Singaporeans). 

In other words, dialects are the very essence of the conduit for the vital flow and direct transmission of our ancestors’ unique cultures, values, social and traditional mores, to descendants, in particular the younger generations. By extension and implication, the loss of the use of our dialects can therefore lead to an inexorable and irreversible dilution and eventual loss of our ethnic roots and cultural ballast over time. And on a timeline, after 30 years of govt sanctioned prohibition, I would say we are really almost on the precipice’s edge of dialects’ extinction – it is going the way of the dinosaurs. 

So the corollary (i.e. consequence and conclusion) must be that without a living and functional use of dialects, it is almost impossible for our ancestors to ‘speak’ to us through our elders in the most intimate way possible.


02/07/2024

Singapore to approve insects for food

Fancy some crispy crickets on sushi rolls as early as July?
This comes after authorities delayed approvals for more than a year

From glutinous rice balls crowned with juicy silkworms to crispy crickets sitting on sushi rolls, diners here may soon get to feast on creepy crawlies in dining establishments. Singapore could be allowing the sale of certain insects as food as early as next month, restaurants and potential farms which have been informed on the latest development told CNA.

The approvals for the sale of insects for human consumption have been delayed for more than a year. The Singapore Food Agency (SFA) first conducted a public consultation on the regulation of insects and insect products in end-2022. In April last year, the agency said that 16 species of insects, such as crickets, silkworms and grasshoppers, would receive the green light for consumption in the second half of 2023. Earlier this year, SFA, in a forum letter reply in The Straits Times, said it is finalising the implementation details and aims to introduce a regulatory framework in the first half of this year.

“As the insect industry is nascent and insects are a new food item here, it is necessary for SFA to put in place the regulatory levers before insects are approved as food to safeguard food safety, and more time is needed to establish the required regulations and implementation plan,” the letter added. “We will work closely with food business operators to ensure that they are able to meet SFA’s regulatory requirements before insects and insect products are permitted for sale as food for human consumption in Singapore.” CNA understands that legislation is also likely to be tabled in parliament soon.


Cricket smoothies, anyone? Insect farming industry abuzz as Singapore looks to regulate bugs for human consumption

Crickets could be available as snacks in Singapore. New laws in the works to regulate insects for human consumption in Singapore means Asia Insect Farm Solutions can one day bring its cricket powder - currently only available for sale in Europe - to market here.

The firm is looking at venturing into the snack market because there is a perception that such foods are not healthy, said its co-founder Yuvanesh T S. “We thought with edible insects being high in protein and other vitamins and minerals, we can also create products that are nutritious but still tasty,” he told CNA. A 100g serving of crickets contains 65g of protein, more than twice in a similar serving of chicken breast.

While people may find the insects off-putting in their whole form, they may be more comfortable with them in powder form, said Mr Yuvanesh. “We are trying to think of ways where we can introduce edible insect-based products in a way that people are comfortable,” he said, citing smoothies as an example that people may find acceptable. CNA journalist Chloe Choo, who tasted a peanut butter and kale smoothie made with the powder, said that people are unlikely to taste the alternative protein’s presence in their drink.


Singapore to approve 16 species of insects like crickets and grasshoppers to be sold as food
The agency assessed that specific species of insects with a history of human consumption can be allowed for use as food

Foodies here may soon get to chomp on insects in eateries, or as fried snacks and protein bars. Also on the menu: silkworm cocoons. Sixteen species of insects, such as crickets, silkworms and grasshoppers, will receive the green light from the Singapore Food Agency (SFA) for human consumption in the second half of 2023. The approval of the insects for consumption will be subject to food safety requirements, including treatment processes to kill pathogens and ensuring that they are packed and stored safely to prevent contamination.

The move comes after the agency held a public consultation exercise from Oct 5 to Dec 4, 2022, on the regulation of insects and insect products. It received 53 responses. These ranged from scepticism to feedback and concerns from industry players planning to bring in insect products. SFA told The Straits Times in October 2022 that it had conducted a scientific review and assessed that specific species of insects with a history of human consumption can be eaten, either directly, or made into items such as snacks. The United Nations’ Food and Agriculture Organisation (FAO) has in recent years been promoting insects for human consumption in a bid to feed the world’s growing population in a more affordable and sustainable way.

FAO had said that edible insects provide high-quality nutrition, require less feed and emit less greenhouse gases than farmed livestock. Besides insects, SFA said it will also permit the cocoons of Bombyx mori, better known as silkworms, for human consumption in Singapore, given that these have been consumed in China and Malaysia, among other places. Silkworms produce cocoons with silk threads, which are composed of two main proteins, known as sericin and fibroin. While silk has traditionally been used to produce textiles, ST understands that technological developments in recent years have allowed companies to turn these silk threads into food and edible coatings, with many Japanese biotech firms making strides in this area.



SFA reviews 16 insect species for human consumption; seeks feedback on import conditions

The Singapore Food Agency (SFA) may soon allow the import and sale of insects and insect products for human consumption and animal feed. In a statement on Sunday (Oct 16), the SFA said that after a "thorough scientific review", it could allow "specific species of insects with a history of human consumption" to be served as food.

Sixteen insect species have been reviewed for human consumption, including some types of crickets, grasshoppers, beetles, mealworms, moths, silkworms and honey bees. The commercial farming of insects for human consumption and animal feed has been promoted by the Food and Agriculture Organisation in recent years, the SFA said. In Singapore, more than 10 companies have expressed interest in importing insect food products or insect farming, it added. Companies intending to import or farm insects for human consumption or animal feed have to meet certain requirements for food safety, SFA said.

These include providing documentary proof that the imported insects were farmed in "regulated establishments with food safety controls" and that no pathogens or harmful contaminants were used in the rearing or feeding of the insects. Those who want to import or farm insects without a history of human consumption must conduct and submit safety assessments to SFA before the product is allowed for sale. SFA said insect products will be subjected to food and safety testing, as with all other food available in Singapore. "Food that is found to be non-compliant with our food and safety regulations will not be allowed for sale," SFA said.


SFA explores 16 insect species such as bees, grasshoppers for import, sale & consumption in S'pore
Singaporeans may soon be able to consume whole insects and insect food products locally

The Singapore Food Agency (SFA) recently completed a review of the regulatory position for insects and insect products, which currently prohibits the import and sale of insects as food for human consumption.

Now, SFA is looking to permit the import and sale of insects and insect products for human consumption and animal feed. These are subject to certain conditions and requirements, for which SFA is seeking feedback from industry players. This applies to both imported, as well as locally farmed and processed insects.

The list of 16 insect species approved for human consumption by SFA include the house cricket, grasshopper, mealworm, silkworm, European honey bee and giant rhino beetle grub. According to SFA, these changes will allow industry more flexibility to produce insects in a safe and sustainable way, particularly in the range of substrates which can be used. It also means that consumers would have access to safe insect food products.


Could edible insects and bugs be a key part of F&B menus in Singapore soon?
Cricket blondies and black soldier fly sambal

After chickening out from a dare by my father to try a fried cockroach during a family trip in Cambodia, I finally mustered up the courage to sample brownies made with cricket flour during a corporate event in London. It was also the first time I heard insect farming can be more sustainable than traditional animal agriculture in terms of land, water and energy use.

Since then, I’ve committed to minimising my meat and seafood consumption, mainly to reduce my carbon footprint. But I’ve felt conflicted about eating plant-based foods that are equally resource-intensive to produce such as avocado, almond or cashew. As a regular runner, I have also struggled with getting sufficient protein intake from soy-based meat substitutes such as tempeh or tofu.

Most people associate alternative protein with cell- or plant-based meat substitutes such as Impossible Foods or Beyond Meat, overlooking the health and environmental benefits of eating insects. Over 2,100 species of insects are consumed in 140 different countries across the Asia-Pacific, the Americas and Africa, according to a recent report by the Food and Agriculture Organization (FAO). Some of the most popular edible insects include beetles, caterpillars, ants, bees, wasps, grasshoppers, locusts and crickets. Insects are a high-fibre, high-protein food source which are low in salt and rich in vitamins, minerals and fatty acids, although their nutritional value varies depending on the species.


Edible insects as future food: chances and challenges

The consumption of insects (entomophagy) has recently attracted global attention for health reasons as well as environmental and economic benefits. Achieving environmentally sustainable food security is currently one of the biggest global challenges.

A wide range of edible insect species, with their high contents in protein, fat, minerals, vitamins and fiber, can play a significant role in addressing food insecurity. Advantages of entomophagy include a high feed-conversion efficiency of insects and the rearing on organic side streams, adding value to waste and decreasing environmental contamination. Compared to cattle raising, insects emit relatively few greenhouse gases and little ammonia and require significantly less land and water. The nutritional quality of edible insects appears to be equivalent and sometimes superior to that of foods derived from birds and mammals.

Insect farming may offer a sustainable means of food production. Since edible insects are calorie dense and highly nutritious, their consumption has the potential to reduce famine worldwide. The presence of high-quality protein and various micronutrients as well as potential environmental and economic benefits render edible insects globally a major potential future food. However, consumer acceptance remains a major obstacle to the adoption of insects as a food source in many Western countries.


Edible Bugs: A Scientific Guide
Are bugs the newest superfood?

As much as you may not want to believe it, insects are poised to be the next big food source. In many parts of the world, they already are. 

Insects are a normal menu item in several cultures, says Valerie Stull, PhD, MPH, a faculty associate at the University of Wisconsin in Madison. For the average American who didn’t grow up with insects as part of their cuisine, this can seem strange. On a worldwide scale, however, insects are regarded as a potential alternative protein source that is both healthy and sustainable — and more people who eat a traditional Western diet are coming to see these benefits.

There are more than 2,300 edible species of insects, per a November 21, 2019, article in Food Production, Processing, and Nutrition (though there are likely more), and people around the world have eaten insects for thousands of years. Read on for a closer look at some of the nutritional benefits of edible insects, and — if you’re interested — how to start your journey into entomophagy (insect eating).


The Benefits of Insects as Food for Human Consumption

Eating insects, though common in many parts of the world, is rare in the U.S. and most European 
countries. But increasing focus on sustainable agricultural practices has catalyzed a growing 
interest in the use of insects for human consumption. Insects can be farmed more efficiently 
than other animals, placing less demand on land and water resources while providing a valuable 
source of protein and other nutrients.

It is widely agreed that meat consumption must be reduced to feed a growing human population in a manner that does not result in catastrophic habitat degradation. By replacing other animals as a protein source, the consumption of insects can contribute to the development of a more environmentally sustainable diet. When farmed insects are compared with traditional livestock, studies show that insects are more efficient, generating more edible biomass and protein with less feed and water. They can be accommodated indoors, in compact, modular facilities, which allows for tremendous flexibility in farm location and can minimize the distance between the farm and the consumer. No part of the insect need be wasted; they can be eaten whole or made into a powder with a shelf life of months or years.

Like other animals, insects are an excellent source of high-quality protein. Depending on the species and its diet, insects can also provide significant amounts of mono- and polyunsaturated fatty acids, B-vitamins, and minerals including iron, calcium, magnesium, potassium, zinc, copper, and selenium. 
In the U.S., the use of insects as a food or food ingredient falls under the authority of the U.S. Food and 
Drug Administration (FDA). The FDA has stipulated that insects, like any other food ingredient, must be clean and wholesome, produced with good farming and manufacturing practices, and labeled appropriately. Consumers, particularly those with crustacean allergies, would be advised to carefully read labels and be aware that little is yet known about the allergenic properties of insects. If these guidelines and practices are followed, insects are safe for most people to eat.


Good grub: why we might be eating insects soon

Finding a bug in your food can be a moment of horror that kills the mood and your appetite in one fell swoop. But that might be about to change, according to Meticulous Research, who’ve crunched the numbers on why we’ll soon be voluntarily crunching insects. The market research company predicts the global market for edible insects could grow to $1.18 billion by 2023. That’s almost triple its current level.

So, what’s behind this anticipated increase in appetite for creepy-crawlies? There are a number of factors in play and the answer is wrapped up in an understanding of how insects compare with the production and farming of other food types. Per kilo of live weight, bugs emit less harmful gas than more mainstream farm animals. A cow, for example, produces 2.8 kg of greenhouse gas per kilo of live body weight. Insects, on the other hand, produce just 2 grams. They also consume fewer resources than traditional livestock. For each kilo it weighs, a cow needs 10 kg of feed. Bugs on the other hand need just 1.7 kg.

Water, which is becoming an increasingly scarce resource in some parts of the world – and which is used liberally in intensive farming – offers another interesting comparison. To produce a single gram of insect protein, you’d need 23 litres of water. That might sound like a lot. But to get that same gram of protein from cattle, you’d need 112 litres of water.


Potential for insects not just as food for the table but also in supplements and feed
The Singapore Food Agency has extended its deadline to approve 16 species of insects for human consumption to the first half of 2024

THE buzz in insect farming is loudest around alternative proteins, but some regional startups are finding better opportunities in the production of insect-derived ingredients for health supplements and animal feed. Increasing uses for what the industry calls insect biomaterials are pushing players to shift focus or explore other markets, especially as some have been frustrated by the lack of development in the insects-for-food space here.

One of the early movers in the insect space is Insectta. The company started out in 2018 as a black soldier fly farm in Singapore, making animal feed and fertiliser. It faced two pain points then, co-founder and chief marketing officer Chua Kai-Ning told The Business Times. First, farm operations did not play into Singapore’s strengths in research and development (R&D). Second, the industry for feed and fertiliser is limited in its potential. Cow and sheep farmers can produce high-value products, such as leather and wool, but black soldier flies do not have similar yields.

These pain points led the company to pivot away from farming and into the production of biomaterials – materials derived from biological organisms – in 2019. The company produces chitosan and melanin from black soldier fly cocoon shells – sourced from fly farms across South-east Asia. It raised an undisclosed amount in a seed round in 2020 and opened its pilot facility in November 2023. Chitosan is used in a wide range of products, including disinfectants, cholesterol supplements and antifungal creams. Melanin could potentially be used in bone regeneration scaffolds to help cells proliferate, and in energy storage devices to power electronics. While Insectta is not yet generating revenue, Chua said the company is trying to build its customer base in the fields of healthcare, electronics and cosmetics. It also hopes to scale up operations by next year to process up to 600 kg of cocoon shells. Its current capacity stands at 5 kg of cocoon shells, from which it can extract 300 to 500 g of chitosan and 50 g of melanin.


Singaporean insect biotech startup, Insectta, closes 2nd funding round to begin industrialisation

Singapore, 26 April 2023 - Insectta, a leading company in the insect industry, announced today that it has raised $1.4 million in a funding round led by the Trendlines Group, with participation from 3 other investors: Glocalink SG, Paragon Ventures I and SEEDS Capital. The funds will be used to set up a pilot facility, allowing Insectta to increase its production capacity by 30 times. This new investment marks a significant milestone for the company, as it allows them to further develop and scale their insect biomaterial extraction technology, which has already attracted the attention of industry experts and customers alike. With this new capital, Insectta is poised for continued growth and expansion, solidifying its position as a key player in the insect industry.

In a market brimming with insect protein, oil and fertilizer startups, Insectta stands out as a game-changer. Rather than following the crowd, Insectta's patented extraction process allows them to derive highly sought-after functional products, including chitosan and melanin, from the black soldier fly (“BSF”), who have been spotlighted as one of the most economically important insect species. These biomaterials are in demand by industries such as pharmaceuticals, personal wellness, F&B, organic electronics and more, and Insectta has set its sights on expanding the applications of insects beyond just agriculture.

Alongside their patented extraction technique, the Insectta Team has also achieved another global first – the ability to extract water soluble melanin in unprecedented quantities. End-users can expect a cleaner, purer, chitosan and a highly functional melanin at an extremely competitive price – all derived from a circular process that’s less energy-intensive and more sustainable than current extraction methodologies. 


This Singapore startup is using insects to turn trash into treasure

Singapore-based farmer Chua Kai-Ning spends a lot of her day making sure that her animals are well fed and growing fast. But she’s no ordinary farmer, and these aren’t ordinary animals. Chua and her partner, Phua Jun Wei, founded startup Insectta in 2017. They are battling Singapore’s food waste crisis with the help of an unlikely ally: the black soldier fly larva. “The concept behind Insectta is that nothing goes to waste,” said Chua. “Waste can be reimagined as a resource if we change how we think about our production methods, and how we deal with waste.”

In 2020, Singapore generated 665,000 metric tons of food waste — only 19% of which was recycled. Chua said the company feeds the black soldier fly maggots up to eight tons of food waste per month, including byproducts received from soybean factories and breweries, such as okara and spent grain. Insectta can then flash dry the maggots into animal feed, and turn the insects’ excrement into agricultural fertilizer.

While there are plenty of companies using insects to manage waste, including Goterra, Better Origin and AgriProtein, Insectta is extracting more than agricultural products from black soldier flies. With funding from Trendlines Agrifood Fund and government grants, Insectta is procuring high-value biomaterials from the byproducts of these larvae. “During R&D, we realized that a lot of precious biomaterials that already have market value can be extracted from these flies,” Chua told CNN Business. The startup hopes its biomaterials can revolutionize the growing insect-based product industry and change the way we look at waste.


Insects as food

Insects as food or edible insects are insect species used for human consumption. Over 2 billion people are estimated to eat insects on a daily basis. Globally, more than 2,000 insect species are considered edible, though far fewer are discussed for industrialized mass production and regionally authorized for use in food. Many insects are highly nutritious, though nutritional content depends on species and other factors such as diet and age. Insects offer a wide variety of flavors and are commonly consumed whole or pulverized for use in dishes and processed food products such as burger patties, pasta, or snacks. Like other foods, there can be risks associated with consuming insects, such as allergic reactions. As commercial interest in insects as food grows, countries are introducing new regulatory frameworks to oversee their production, processing, marketing, and consumption.

With over 2000 identified edible insects, there are many options for consumption. Insects may provide a sustainable option for protein sources containing 13-77% protein by dry weight. Some insects may also be used as a fat source boasting up to 67.25% lipids by dry weight. Insects can provide omega-6 and omega-3, iron (proportionally more iron than other major food sources like beef), and zinc. Besides nutrients, the energy obtained by eating insects can be similar to other food sources like beef and chicken depending on what kind of insect is eaten.

There are also environmental benefits from using insects as a food source: Insects require significantly less feed, can be used in feed, and release fewer CO2 emissions than conventional animal food sources. They can be used to address the issue of depleted agricultural lands as they don't need much space to be reared as compared to livestock. Additionally, food waste is a significant issue with 1/3 of food being wasted globally; Since insects can eat food waste, and they require less feed, they are a good option to address food waste. Insects may be a sustainable commercial farming option to support populations struggling with food security due to their nutrition and farming capacities, taking less room to cultivate than other protein sources.


Singapore Food Agency: Insects for Food and Feed

While the use of insects as human food is relatively new in Singapore, several species of edible insects such as silkworm pupae and crickets have traditionally been consumed in parts of Asia. In recent years, the commercial farming of insects for human consumption and livestock feed has been promoted by the Food and Agriculture Organisation (FAO) due to its benefits in as a form of sustainable protein, both for human food and for animal feed. The European Union and countries such as Australia, New Zealand, Korea and Thailand have also allowed the consumption of certain insect species.

How does SFA Regulate Insects for Human Consumption and Animal Feed? In Singapore, SFA has assessed the safety of insects and has a regulatory framework to ensure that these are safe for consumption. In summary:
  • The species of insect must be safe and does not produce toxic substances. SFA has an approved list of insects that we have assessed and found safe for humans to eat.
  • Insects must be farmed in a controlled environment and not harvested from the wild. This is to prevent introduction of diseases, contaminants, and parasites.
  • The substrate (what the insects eat) must not impart contaminants to the insects. For example, the use of manure and rotten food is not allowed.
  • The final product must be safe and compliant with SFA’s food regulations.

Guided by SFA’s food safety monitoring programme, we conduct regular inspections, and sampling of both imported insect products as well as local insect farms to ensure that they meet our food safety standards. Food that is found to be non-compliant with our food safety standards will not be allowed for sale.


Eating Insects: Food of the Future (Cricket smoothies, anyone?)
A spoonful of edible cricket. Some types of crickets are among 16 insect species the Singapore Food Agency has reviewed for human consumption. (Photo: iStock/casketcase)

Crickets could be available as snacks in Singapore. New laws in the works to regulate insects for human consumption in Singapore means Asia Insect Farm Solutions can one day bring its cricket powder - currently only available for sale in Europe - to market here.

The firm is looking at venturing into the snack market because there is a perception that such foods are not healthy, said its co-founder Yuvanesh T S. “We thought with edible insects being high in protein and other vitamins and minerals, we can also create products that are nutritious but still tasty,” he told CNA. A 100g serving of crickets contains 65g of protein, more than twice in a similar serving of chicken breast.

While people may find the insects off-putting in their whole form, they may be more comfortable with them in powder form, said Mr Yuvanesh. “We are trying to think of ways where we can introduce edible insect-based products in a way that people are comfortable,” he said, citing smoothies as an example that people may find acceptable. CNA journalist Chloe Choo, who tasted a peanut butter and kale smoothie made with the powder, said that people are unlikely to taste the alternative protein’s presence in their drink.


01/07/2024

Combating Online Scams

Government SMSes will come from single gov.sg sender ID to guard against scams
From 1 Jul 2024, SMSes will be sent by gov.sg, with the respective agency's name spelt in full

From Jul 1, SMSes from government agencies will come from a single sender ID known as gov.sg, instead of the individual organisations. 

The move is aimed at helping the public identify authentic government SMSes and to guard against government official impersonation scams, said Smart Nation Group, Open Government Products (OGP) and the Ministry of Communications and Information in a joint media release on Thursday (Jun 13). Since January, at least 126 people have been cheated by scammers impersonating Chinese officials, with total losses amounting to at least S$16.3 million (US$12.1 million), according to an advisory by the police on Thursday.

In the past, scammers have also simpersonated police officers to convince victims to provide their personal details or transfer their money to third-party bank accounts. In the joint release on Thursday, the agencies said that SMS remains a key platform for government communications to the public, given the widespread use of mobile phones.


To fight scams, Singapore banks set up anti-mule team, hire ex-police officers

Unusual transactions or account activities that do not tally with a customer’s profile – these are the red flags that Mr Darren Eu looks out for in mule accounts.

For instance, an account holder making large deposits and withdrawals over consecutive days without a clear reason. They could have been deceived into giving away their banking credentials to scammers as part of a "job". “No customer will admit they are a money mule, so it is our job to find out,” said Mr Eu, an investigation specialist with DBS’ anti-mule team.

Set up in September last year, the team, which is part of a broader anti-scam squad, is made up of eight former police officers and bank employees. Their job is to eliminate money mules – people who allow criminals to control their bank accounts and in doing so, help scammers move illicit money out of the financial system:
  • DBS - Singapore's biggest bank, formed its anti-scam squad in 2019. The squad includes more than a dozen people monitoring fraud alerts round-the-clock.
  • OCBC - Consolidated its anti-scam and fraud functions under one department then tripled its headcount for the team to more than 100. 
  • UOB - Declined to reveal how big its anti-scam team is, citing operational sensitivities.


Banks to remove clickable links in emails, SMS sent to customers as part of new security measures
New measures for digital banking are to be rolled out for banks in Singapore, after a recent spate of SMS phishing scams affected at least 469 of OCBC's customers

Banks in Singapore will be removing clickable links in emails or SMS messages sent to retail customers and set the threshold for funds transfer notifications to customers by default at S$100 or lower. These are part of several measures to protect account holders from phishing scams. 

The changes, announced by the Monetary Authority of Singapore (MAS) and the Association of Banks in Singapore (ABS) in a joint statement on Wednesday (Jan 19), will be implemented within the next two weeks. The new measures came after at least 469 customers were affected by an SMS phishing scam targeting OCBC bank customers, with losses totalling at least S$8.5 million. The fraudsters had sent out fake bank alerts that spoofed the bank's official SMS channel, duping many of them into clicking on web links and giving up their personal account information last month.

In the joint statement, MAS and ABS said that these measures will bolster the security of digital banking, given that it will lengthen the time taken for certain online banking transactions and also provide an added layer of security to protect customers’ funds. Other measures that banks will be putting in place include:
  • Delaying activation of a new soft token on a mobile device by at least 12 hours 
  • Sending notification to a customer's existing mobile number or email registered with the bank whenever there is a request to change a customer’s mobile number or email address
  • Introducing a cooling-off period before executing requests to important account changes such as in a customer’s key contact details
  • Having dedicated and well-resourced customer assistance teams to deal with feedback on potential fraud cases on a priority basis
  • More frequent scam education alerts


Banks don’t send SMS clickable links, police and DBS warn after $446k lost to scams in 2 weeks

Banks do not send their customers clickable links on SMS, said the Singapore Police Force (SPF) and DBS Bank in a reminder to the public on Jan 14. Since December 2023, there have been more cases of scammers impersonating banks or bank staff to obtain victims’ banking credentials via SMSes. The first two weeks of 2024 saw at least 219 victims suffer total losses amounting to at least $446,000, the SPF and DBS said in a joint statement. This is the second time in January that the police have issued an alert on the issue. On Jan 5, they said that at least 83 victims had fallen prey to DBS phishing scams since the start of 2024, with total losses amounting to at least $155,000.

Victims were misled into clicking on links in unsolicited SMSes. In these SMSes (bearing overseas numbers, local numbers, or short codes), the scammers claim to represent DBS/POSB Bank, and warn their victims of “possible unauthorised attempts to access their DBS/POSB bank accounts”. Next, the victims are urged to click on the embedded URL links to “verify their identities and stop the transactions”. After clicking on the links, the victims are directed to spoofed DBS websites and misled into providing their Internet banking credentials and one-time password (OTP), which the scammers use to make unauthorised withdrawals.

Since early 2022, all banks have removed clickable links in e-mails or SMSes to their retail customers. This measure is among safeguards that banks have implemented to combat phishing scams, such as lowering the default threshold for funds transfers, transaction notifications to customers and increasing the frequency of scam education alerts. The police and DBS advised members of the public to adopt these precautionary measures to protect themselves from being scammed:
  • ADD – Install the ScamShield app to protect against scam calls and SMSes. Set up security features like transaction limits for Internet banking transactions, and two-factor or multi-factor authentication for banks and e-wallets.
  • CHECK – Be wary of links in unsolicited SMSes that lead to a bank’s website. Never disclose personal or banking credentials, including OTPs, to anyone. Verify the authenticity of claims of problems with bank account or cards issued by the bank with the official bank website or sources. DBS will never send customers clickable links via SMS. Neither will its employees call customers to ask for Internet banking credentials or OTPs.
  • TELL – Tell the authorities, family and friends about scams. Report any fraudulent transactions to DBS immediately.


Banks to tighten security, remove clickable links in SMSes after OCBC phishing scams
These measures were introduced following a spate of SMS phishing scams targeting bank customers Foto Lim Yaohui
 
Banks in Singapore will have to put in place more stringent measures to bolster the security of digital banking, such as removing clickable links in SMSes or e-mails sent to retail customers, within the next two weeks.

These additional measures were introduced in view of the recent spate of SMS phishing scams targeting bank customers, the Monetary Authority of Singapore (MAS) and the Association of Banks in Singapore (ABS) said in a joint statement on Wednesday (Jan 19). This comes after OCBC Bank said it would cover in full the losses suffered by its customers to SMS phishing scams last month and as other local banks, the Singapore Police Force and the Supreme Court issued warnings about phishing scams targeting their users.

The measures include a delay of at least 12 hours before activation of a new soft token on a mobile device, notification to existing mobile number or registered e-mail whenever there is a request to change a customer's contact details, and dedicated customer assistance teams to deal with feedback on potential fraud cases on a priority basis. The threshold for funds transfer transaction notifications to customers will also be set by default at $100 or lower, more frequent scam education alerts will be sent out, and additional safeguards such as a cooling-off period before implementation of requests for key account changes will also be in place:
  • Remove clickable links in SMSes and e-mails to retail customers
  • Dedicated customer assistance teams to deal with feedback on potential fraud cases
  • Threshold for funds transfer to be set by default to $100 or lower
  • Delay of at least 12 hours before activation of new soft token on mobile device
  • Notifications to be sent to existing mobile number or e-mail for requests to change these details
  • Cooling-off period before implementing requests to make key changes, such as contact details

Additional Measures to Strengthen the Security of Digital Banking

The Monetary Authority of Singapore (MAS) and the Association of Banks in Singapore (ABS) today announced additional measures to further safeguard customers from digital banking scams. These measures complement those announced on 19 January 2022.

In consultation with MAS and the Singapore Police Force (SPF), banks are progressively implementing the following additional measures, which will be in full effect by 31 October 2022:
  • require additional customer confirmations to process significant changes to customer accounts and other high-risk transactions identified through fraud surveillance;
  • set the default transaction limit for online funds transfers to S$5,000 or lower;
  • provide an emergency self-service “kill switch” for customers to suspend their accounts quickly if they suspect their bank accounts have been compromised;
  • facilitate rapid account freezing and fund recovery operations by co-locating bank staff at the SPF Anti-Scam Centre;
  • enhance fraud surveillance systems to take into account a broader range of scam scenarios.
To minimise the risk of navigating to fraudulent websites, bank customers are strongly encouraged to use mobile banking apps, as opposed to web browsers. Banks will continue to enhance the functionality of their banking apps and assist customers to make the transition towards greater use of these apps. To ensure sustained investment in the industry’s anti-scam initiatives, an ABS Standing Committee on Fraud, comprising the seven domestic systemically important banks, will take forward the work of the Anti-Scam Taskforce established in 2020. The Committee will report directly to the ABS Council and will drive the industry’s anti-scam efforts, implement robust measures to safeguard customers, and reinforce public confidence in the security of digital banking. Under the Committee, the on-going anti-scam work of the industry will be formalised into the five key workstreams covering: customer education; authentication; fraud surveillance; customer handling and recovery; and equitable loss sharing. The Committee will work alongside member banks to continually review and enhance anti-scam measures for effectiveness and relevance as the scam landscape evolves.


DBS, OCBC, UOB customers can lock up savings to guard against scams; funds must be unlocked in person

DBS, OCBC and UOB on Monday (Nov 27) announced new money-locking features for customers to guard against scams.

Customers will be able to lock up their funds using their app or internet banking, and these funds can be unlocked when customers visit bank branches to verify their identity. OCBC customers can also use ATMs to do so.

DBS is progressively rolling out its features from Monday, while OCBC and UOB will start on Thursday:
  • DBS - DBS' new feature, called digiVault, enables customers to lock up their money digitally in a designated account, from which funds cannot be digitally transferred out.
  • OCBC - Unlike DBS and UOB, OCBC customers will not need to open a new bank account to use its Money Lock feature. Funds can be locked using the app or internet banking.
  • UOB - UOB customers can open new LockAway accounts that do not allow digital payments and outbound transfers.


DBS, OCBC and UOB to roll out 'money lock' feature that lets customers block savings from digital transactions
Major banks are turning to the “money lock” feature to make it harder for fraudsters to siphon money.
PHOTO: The Straits Times

A new security feature that allows bank customers to block their savings from digital transactions will be rolled out by major banks DBS, OCBC and UOB by the end of November.

Once locked in, the money cannot be transferred through digital means, but can be moved only in person at an ATM or at a branch, depending on the bank.

The "money lock" feature is the latest measure adopted by banks to make it harder for fraudsters to siphon money out of a hacked account. This comes as scams continue to plague the nation, with more than 750 victims losing at least $10 million in total after falling prey to malware scams in the first half of 2023.


‘Money lock’ activated for about 38,000 Singapore bank accounts, protecting over S$3.2 billion in savings
Launched by local banks in November, the “money lock” feature helps to mitigate losses if a customer’s digital access to bank accounts is compromised. PHOTO: BT FI

THE “money lock” feature offered by local banks – which lets customers set aside funds so they cannot be transferred – has been activated on about 38,000 accounts in Singapore, with over S$3.2 billion of savings set aside, said Deputy Prime Minister Lawrence Wong on Wednesday (Jan 10) in a written parliamentary answer.

Launched by local banks in November, the feature helps to mitigate losses if a customer’s digital access to bank accounts is compromised.

Wong was replying to Member of Parliament Saktiandi Supaat, who asked for data on the take-up rate of the feature. The Monetary Authority of Singapore (MAS) is working with other major retail banks to introduce the money lock feature as well, said Wong.


Banks to have more anti-scam measures by Oct 31, including 'kill switch' to freeze accounts
The slew of measures to stop digital banking scams will be implemented by Oct 31, 2022 FOTO: KUA CHEE SIONG

 An emergency self-service "kill switch" that lets customers freeze their bank accounts if they suspect that their accounts have been compromised is among a slew of measures that will be introduced to stop digital banking scams.

They will be implemented by Oct 31, said the Monetary Authority of Singapore (MAS) and the Association of Banks in Singapore (ABS) on Thursday (June 2). The measures complement those announced on Jan 19, which include the removal of clickable links in e-mails or SMSes sent to retail customers and having a delay of at least 12 hours before activation of a new soft token on a mobile device.

Among the added measures is having the default transaction limit for online fund transfers set to $5,000 or lower a day. Additional customer confirmations will be required to process significant changes to customer accounts and other high-risk transactions identified through fraud surveillance. Fraud surveillance will be bolstered as well to take into account a broader range of scam scenarios. Banks will also facilitate rapid account freezing and fund recovery operations by co-locating bank staff at the Singapore Police Force (SPF) Anti-Scam Centre.


Negligent banks, telcos may be held responsible for scam victims’ losses as part of proposed measures

Financial institutions and telecommunication companies (telcos) in Singapore may have to compensate their customers who have fallen prey to scams if they are found to have breached their responsibilities.

These responsibilities prescribed under a proposed framework include failure by banks to send outgoing transaction alerts to consumers and telcos failing to implement a scam filter for SMSes. As a start, the framework will focus on phishing scams which account “for a sizeable proportion of unauthorised transactions” here.

These are among the proposals put forth by the Monetary Authority of Singapore (MAS) and the Infocomm Media Development Authority (IMDA) on Wednesday (Oct 25) in a long-awaited consultation paper on how losses arising from scams will be shared between companies and consumers. The shared responsibility framework was first announced in February 2022 after close to 800 OCBC customers lost a combined S$13.7 million to scammers.


Singapore and Meta Unite to Crackdown on Online Scams

The Singapore police force has joined hands with social media giant Meta in a concerted effort to combat the burgeoning issue of online scams and eliminate suspicious content from the digital landscape. Online scammers have been honing their craft, using enticing advertisements on platforms such as Facebook and Instagram to bait unsuspecting victims, leading to an alarming surge in scam cases.

According to the police, the first six months of this year saw victims losing a staggering S$334.5 million to scams. This marked a 64.5% increase in scam cases, hinting at the escalating severity of the situation. The demographic that was found most vulnerable to such scams were young adults between the ages of 20 to 39. They primarily fell prey to e-commerce, job, and phishing scams, highlighting the diverse nature of the scamming strategies employed. Scammers have been leveraging a variety of channels to reach their potential victims. These include messaging platforms, social media, phone calls, online shopping platforms, and even text messages. An alarming trend that emerged was the rise in malware scams targeting Android device users. Over 750 cases were reported, with victims suffering losses amounting to at least S$10 million, including a substantial S$218,000 from CPF savings.

This rising trend of online scams has far-reaching implications, not just for individuals but also for the larger digital ecosystem. The collaboration between Singapore police and Meta could pave the way for more such alliances between law enforcement agencies and tech companies, potentially creating a safer online environment. While this is a step in the right direction, it is crucial for individuals to remain vigilant and exercise caution while navigating the digital space.


DBS, UOB become latest banks to restrict access if unverified apps are found on customers' phones

Local banks DBS and UOB are rolling out new anti-scam security measures that include restricting customers from accessing the banks’ digital services on their mobile phones if apps from unverified app stores – also known as sideloaded apps – are detected.

They are the latest banks in Singapore to do so – after OCBC and Citibank – amid a spate of malware scams targeting users of Android devices. DBS said on Tuesday (Sep 26) that its new anti-malware tool for Android phones seeks to prevent scammers from fraudulently logging into customers’ accounts by restricting app access if it detects potential risks.

One such security risk is the presence of malware or malicious applications on customers’ phones. This new function has gone live, the bank’s head of legal and compliance Lam Chee Kin told CNA.


Singapore introduces potent anti-scam measures

Singapore will step up up efforts to stamp out phishing and spoofing, ministers told the island nation's parliament on Tuesday. The topic earned ministerial attention after instances of attacks and scams soared recently. The standout example is the attack on Southeast Asia's second-largest bank, the Oversea-Chinese Banking Corporation (OCBC). In the OCBC bank scam, threat actors stole a combined SG$13.7 million ($10.2M) from 790 customers by spoofing text messages in what minister of finance Lawrence Wong referred to as "by far the most serious phishing scam seen" in Singapore.

Wong detailed [VIDEO] several ways banks would be expected to improve security, including using more diverse machine learning algorithms to strengthen fraud detection tools to identify suspicious transactions. Banks will also be required to block suspicious transactions in a more consistent fashion, require additional customer confirmations for high-risk transactions or changes to account details, expand biometric technology, and accelerate adoption of – and preference for – mobile banking apps. "These [measures] will introduce some frictions to customers undergoing genuine transactions," Wong predicted, "but we will all need to adapt and get used to these inconveniences." Furthermore, Wong said customers and banks would have a shared responsibility for any losses in the future in order to prevent a "weaken[ed] incentive to be vigilant" on the part of the customer.

Communications and information minister Josephine Teo then highlighted new and future measures to prevent cyberscams – including an enhanced effort by the government to block malicious websites. "In 2020, we blocked about 500 suspected scam websites, by 2021 the net was cast much more widely and 12,000 were blocked,” said Teo. She noted the government had the capacity to block more, but that it could become a futile game of whack-a-mole as scammers react quickly and dynamically to circumvent the measures. Teo revealed that at the peak of the OCBC phishing expedition, which lured customers to a website identical to the bank's and incentivized them to input their credentials, the government blocked 52 sites related to the scam in one day.


Protect yourself from online scams and attacks
Gone phishing

One of the most common attacks we see are what we call “phishing” attacks (pronounced like fishing). This is when an attacker contacts you pretending to be somebody you know or an organization you trust, and tries to get you to give them personal information or open a malicious website or file. 
Most phishing attempts arrive via email, but they can also come via text messages, direct messages on social media, or even phone calls (what we call "Vishing"). 

What they all have in common are:
  • A trusted sender - The message or call will appear to come from a person or organization you trust. Could be your bank, the government, a service like Netflix or Spotify, a tech company like Microsoft, Amazon, or Apple, or some other service you recognize. The truly daring scammers may try to impersonate your boss or a family member.
  • An urgent request - The messages usually have a sense of urgency to them. Something is going to be canceled, you’re going to have to pay some kind of penalty, or you’re going to miss out on some kind of special deal, and you have to act NOW. The urgency is to get you to take the message seriously and also to get you to act on the message without thinking about it too much, consulting a trusted advisor, or looking into whether the message might be a fake.
  • A link or attachment - The message will include something you need to click on – a link to a website, or an attached file most commonly. The website will likely be a fake version of a legitimate website, designed to fool you into entering your username and password, or other personal information, so they can steal that information to use themselves. Any attached file is almost certainly malware.
What can you do about phishing?
  • Look carefully at any messages you get that want you to take urgent action. Pay particular attention to the email address of the sender. If the message claims to be from your bank but the sender’s address is not your bank’s domain name that should be a loud warning.
  • Never open any links or attachments you weren’t expecting; even if they appear to come from somebody you trust.
  • If you get a link that appears to be from your bank or other trusted organization, open a new tab in your web browser and go directly to the organization’s website from your own saved favorite, from a web search, or by typing in the organization’s domain name yourself. A link from a phishing email will take you to a site that looks very genuine but is designed to trick you into entering your personal information.
  • If you get an attachment you weren’t expecting, don’t open it. Instead reach out to the sender, preferably via a different method like text message or phone call, and confirm that the attachment is genuine before you open it.
  • Use SmartScreen for Microsoft Edge which can help to block known phishing websites.


Top Online Scams and How to Avoid Internet Scams

The internet is such an integral part of our lives that it can be easy sometimes to forget that not everyone we encounter online has our best interests at heart. Internet scams are an ever-present threat, with hackers and cybercriminals doing their best to stay one step ahead of internet users. Staying informed of the risks and how to combat them is the best way to keep safe. Here is a list of the top online scams and how to avoid getting duped:
  • Job offer scams - Job offer scams increased during the coronavirus pandemic. In this scam, you receive an unsolicited email offering a job, typically not in your area of expertise, often for a mystery shopper or similar position. When you accept, you are paid by check or money order for an amount greater than your "employer" offered. You are then asked to send back the difference, only to discover the original check or money order was fake, and you're out of the money you sent to your fake employer.
  • Lottery scams - Reportedly, lottery scams were the fourth most common type of scam in the US in 2020. You typically receive an email with these scams claiming you have won a little-known lottery, usually in another country and always with a substantial pay-out. To claim your prize, you will be asked to pay a fee. Scammers will often say these fees are for insurance costs, government taxes, bank fees, or courier charges. You are asked to send personal details for verification, and suddenly you're the victim of identity theft, and the money you sent is gone.
  • Beneficiary scams - You get an email from someone who is looking to move some money around quickly. These emails sometimes come from people claiming to be royalty – you’ve probably heard of the Nigerian prince scam – but more often, they're from a "businessman" who says he has millions to move out of the country and wants your help in exchange for a cut of the profits. The sender includes just enough details to make the offer seem legitimate. But the money is inevitably delayed, leaving you on the hook for a host of small payments to facilitate the transfer of funds.
  • Online dating scams - Romance scams are on the rise. You meet someone through a dating app or website, you start to get to know each other, and it can feel authentic. However, you can never be sure who is on the other side of your screen. If you find yourself in an online relationship with someone who begins to ask for money or asks you to redirect items they send you, then the person you've met is a scammer.
  • Charity fraud scams - After large-scale natural disasters or other high-profile public tragedies, you want to help any way you can, and scammers know to capitalize on this. They set up fake donation sites and accounts and then craft an emotional pitch email to solicit funds that never reach the victims. These scams are successful because they play on sympathy, but always make sure you do your research. Fact-check any donation sites and make sure they are affiliated with the issues they claim to represent.
  • Coronavirus scams - The pandemic gave fraudsters the opportunity to devise new scams – although often these were variations on existing scams but repackaged with a fresh coronavirus angle.
  • Repair scams - In a scam that starts in the real world and quickly moves into the online one, you receive a phone call from someone who claims to work for "Microsoft", or another large software company, claiming they can fix PC issues like slow internet speeds and loading times. It sounds helpful, and so when the email arrives in your inbox, you download a remote access program, which allows scammers to take control of your computer and install malware. Not all consumers are equally tech-savvy, so many don't know how their PC works and are easily deceived by scammers. Once they install malware, they have access to your files, data, and personal information.
  • Social media scams - Social media scams are becoming increasingly more popular and come in many forms.
  • Robocall scams - If you answer the phone and hear a recording rather than a live person speaking, that’s a robocall. Robocalls are sometimes used to deliver useful information, such as appointment reminders or flight cancellations. Mostly though, they are unsolicited marketing calls, and many of them are scams.
  • Messaging scams -Fraudsters also use messaging systems and apps, such as SMS, WhatsApp, Facebook Messenger, Viber, Skype, Google Hangouts, and others, to scam you out of money. Phishing scams carried out via SMS are known as “smishing”.
  • Online shopping scams - Scammers use the latest technology to set up fake retailer websites that look like genuine online stores, using stolen logos and copied designs. Many of these websites offer popular brands of clothing or jewelry, or gadgets at low prices. Sometimes you may receive the item you’ve paid for, but often you don't. A more recent version of the scam involves setting up a social media store, which usually disappears after a while to resurface again in another guise.

Ten tips to protect yourself from online scams

The convenience of online shopping is undeniable. You can browse hundreds of items from the comfort of your home and make a purchase anytime with just a single tap. However, while it is convenient, it might come at the cost of higher vulnerability from cyber crimes and scams. With increased reliance on digital technologies, e-commerce platforms, mobile devices and websites have become the prime platforms for scammers to target unsuspecting shoppers to steal personal information or money.

Indeed, online scams are becoming more prevalent – online scams have hit an all-time high, surging to 31,728 cases here last year, as reported by the Singapore Police Force. After all, scams are not so easy to spot. Phishing scams, the most common type of scams in Singapore, grew by 41.3% in 2022 compared to 2021. E-commerce scams, the third most common type, increased by 74.5% in the same period.

But not all hope is lost – an enjoyable and safe online experience is still possible if you practice good cyber hygiene. This article aims to provide tips to strengthen your cyber protection, minimise your risks and stay safe and secure online:
  • Learn to spot fake emails, SMSes and websites (watch out for phishing)
  • Use secure websites
  • Change your passwords regularly
  • Turn on 2-step verifications and set notifications for all credit/debit card transactions
  • Check credit card statements regularly
  • Use anti-virus software
  • Update your software and devices regularly for the latest security patches
  • Use a virtual private network (VPN) when accessing public or free Wi-Fi networks
  • Avoid sharing personal or sensitive information with unverified entities
  • Be cautious when making online purchases

Scams: Types, Impact & How to Avoid Them

Being a victim of scams can be very distressing, given the financial, social, and emotional impact it has on us. With statistics showing a marked increase of scam cases in 2021 and the recent arrest of over 157 suspects linked to nearly 500 cases of scam, it is clear that scam is on the rise in Singapore. Recently, our team has contributed to a media article on the psychological impact of scams. As such, this article serves to highlight the threat of scams and support you if you have been a victim.

Common Types of Scams in Singapore:
  • SMS PHISHING SCAMS- Scammers impersonate a bank (such as DBS, POSB, or OCBC), and direct recipients to rectify issues such as errors or accounts being suspended through a link, usually requiring them to key in their bank details. In doing so, scammers gain access to victims’ bank account details withdraws from their accounts.
  • E-COMMERCE SCAMS - Scammers employ a variety of methods to cheat victims on e-commerce sites.  Some of the scams involved are Selling popular goods at a low price, such as Nintendo Switches, before disappearing with the payment. Listing “jobs” that require a victim to make advance payment to a non-existent e-business to boost sales; victims instead transfer money into the scammer’s bank account. Sending out messages to users awaiting delivery, informing them that their packages have been lost and asking for recovery payment
  • LOAN SCAMS - Scammers send out messages via SMS or WhatsApp while impersonating licensed moneylenders. Loan scammers often require victims to place multiple deposits into a bank account as “set up” processes for trial loans. However, borrowers never receive the loan amount promised as the scammers disappear with the deposit.

Best online security practices to protect yourself from scammers

Online scams are on the rise. From scammers impersonating Singapore Police Officers to text messages that retrieve confidential information – leading to victims losing their life savings through unauthorised transactions.

Mr Chiah Tian Ming, a Fraud Analyst at Hugo, spent more than six years in anti-fraud and anti-money laundering roles in notable banks shared with The Independent Singapore the top 14 ways to ensure your banking and personal details are safe from scammers. With bank clients losing millions in phishing scams, there is an increased need for public awareness regarding online scams and how they operate. Risk management and anti-fraud experts from financial technology company, Hugo, have provided fool-proof ways to protect oneself from scammers.

Ms Julia Chin, the Head of Compliance at Hugo, with over 20 years of experience in risk management and compliance at international financial institutions across Asia and the Middle East, along with Fraud Analyst, Mr Chiah Tian Ming, advised the below:
  • Do not give away sensitive banking details such as usernames, PINs, passwords to anyone.
  • Strengthen your account security by using sophisticated and unique passwords and storing them safely for reference.
  • Refrain from sharing too much personal information online to prevent scammers and hackers from piecing details together.
  • Don’t fall for social engineering schemes such as phishing emails and texts, scam calls and scareware (malicious computer programs that trick users into buying or downloading unnecessary and potentially dangerous software).
  • Pay close attention to the URL, meaning it must perfectly match the original website.
  • Be familiar with your bank’s security measures and double-check with the bank if there are changes, such as the login and authentication processes.
  • Ensure that a website has valid Secure Sockets Layer (SSL) certificate, which authenticates a website’s identity and provides an encrypted connection between a web server and browser.
  • Maintain optimal security by updating to the latest versions of web browsers as they keep to date with the best anti-phishing systems.
  • Routinely scan and clean your device for potential malware using trusted software.
  • Avoid shady sites and install high-quality firewalls to prevent your device from being infected with malware or spyware.
  • Use 2-factor authentication when possible because this is a fundamental way to add extra security to your online activity.
  • Avoid conducting online banking transactions on public or shared computers.
  • Routinely log out and clear your caches just to be safe.
  • Monitor bank account transactions regularly to keep track of any suspicious behaviour.

Most common scams in Singapore 2022

In 2022, phishing scams were the most common type of scam in Singapore, with around 7.9 thousand cases reported. Job scams also represented a prevalent form of fraud in the country, with over 6.49 thousand cases reported.

Phishing threat in Singapore - In Singapore, around 42 thousand different phishing URLs with a .SG domain were detected in 2022. The highest number of phishing URLs was recorded the previous year, with around 55 thousand. Phishing attacks can take many forms, such as corporate e-mail compromise (CEC), mass phishing, or smishing. These phishing e-mails represent a crucial risk for businesses. They can also lead to ransomware infections, which have also increased in recent years.

Data breaches - Companies and governments are increasingly relying on technology to collect, analyze, and store personal data. This can lead to potential risks when such data is affected by cyber incidents. In Singapore, the number of exposed data points per thousand people reached 26 in 2022. Over the same period, around 154 thousand data sets were reported as leaked in the country.


10 scams happening in Singapore

There’s been a sharp rise in the number of cyber scams and real life cheating incidents in Singapore.

Here are the on-going ones you should be aware of:


TOP 5 SCAMS: (30 SEP TO 06 OCT 2023)
An unusually good deal for a gadget, amusement park or concert tickets attracts your attention online. You transfer payment to the ""seller"" who promises delivery of the item. In some cases, the seller demands further payment for duties or delivery charges after the first payment is made. Ultimately, you never receive the item.

You receive an unsolicited job offer via messaging apps, social media, etc. Very often, potential ‘employers’ will offer high pay with very little time commitment or effort.

You receive a call, text or email soliciting personal information in order to claim a prize, secure your online accounts or to help investigate fraudulent transactions.

You receive a message from someone claiming to be stockbrokers or bank or financial company employees on social networking sites like Facebook, WeChat or Line. They ask you to share personal details like NRIC and passport numbers for an investment form. You are then asked to transfer money to banks in Hong Kong and China, pay hefty administrative and security fees, and taxes in order to receive the profits and returns.

This scam usually involves a phone call or in-app call (e.g WhatsApp) from someone claiming to be a local government official (e.g. government official, police officer or court official), staff from a bank or telco, or a representative of a Chinese bank or courier company.


Scam Climate in Singapore

Scams are a big problem today not just locally, but also around the world.  And in Singapore itself, between 2016 and 2020, the number of scams reported to the Police have increased 3-fold, from around 5,400 to about 16,000 cases recently.

In 2020, scams accounted for 42% of all crime cases in Singapore, and with the losses estimated about S$265 million. Besides financial losses, we all know the emotional trauma and the consequences of being scammed can be very serious. For example, in my community work, we often come across victims of our residents to share about how they became affected or  depressed after losing tens of thousands of dollars to scams. Last year, MHA’s Home Team Behavioural Sciences Centre (HTBSC) conducted the National Prevalence Survey on Scams:
  • It was found that actually the majority of respondents – approximately six in 10 – had encountered scams in one way or another in the past one year, indicating that actually there is a high prevalence of scam in Singapore. Of these respondents, approximately seven in 100 had actually fallen victim before.
  • Contrary to popular belief, it is not just the elderly that are vulnerable to scams. In fact, survey respondents between the age 20 to 39 made up almost half of the scam victims, although they accounted for only about one-third of the total respondents.
Of particular concern are scams that take place over online and digital mediums. Digitalisation has changed the way we live, we work, and interact with one another and have given us a lot of conveniences online. However, we may not possess good cyber knowledge to adequately protect ourselves online and as a result, may be at risk of falling victim to scams. And our surveys showed two behavioural traits.


A COLLABORATIVE APPROACH AGAINST SCAMS

The Anti-Scam Centre (ASC) was set up by the Singapore Police Force (SPF) under the Commercial Affairs Department on 18 June 2019 to serve as the Police's nerve centre for investigating scam-related crimes. The ASC aims to disrupt and prevent scam operations so as to mitigate victims' monetary losses through the swift recovery of proceeds of crime, amongst other initiatives. Here’s how the ASC achieves its mission.

Scam cases have been rising in recent years. This situation has only worsened with the COVID-19 pandemic as more people stay at home and engage in online activities. For the first half of 2021, scam cases increased by 16% to 8,403 cases, up from 7,247 cases in the same period in 2020. To combat scams, the ASC adopts six I’s in its approach – Information processing, Intervention, Investigations, Initiatives, Inculcation and International Co-operation.

In the first year of the ASC’s operations, more than 8,600 reports were received, which led to ASC officers successfully recovering more than $21.2 million and freezing more than 6,100 bank accounts (which interrupts the flow of victims' funds to scammers and disrupts their operations). Two years into its formation, the ASC has recovered more than $127 million.


Combatting Scams and Safeguarding Singapore, Together

With scams increasingly driving up crime rate over the last few years, the Home Team will take a multi-layered approach by:
  • Block Scammers
  • Secure Legitimate Services, government and banking channels
  • Strengthen Enforcement
  • Strengthen Legislative Levers, toughen our laws
Public education for a vigilant and discerning public is the best defence against scams. The Home Team will empower individuals to take actions to protect their loved ones and themselves in the fight against scams.


10 recommendations to beat online scams

Online scams spread through modern businesses like wildfire, and in 2022, the temperature only increased. In just 12 months, cybercriminals stole around $55 billion from their targets. Businesses must take the lead on extinguishing this wildfire, both individually and together in alliances like the GASA.

When alliances act, legislators listen. Our partners in the Global Anti-Scam Alliance compiled 10 recommendations to protect consumers online, and they’re presenting then to the European Commission and other authorities at the CyberSec Europe Expo & Conference. As a key stakeholder, EBRAND’s sending our CPO Jano Vico to the conference, to represent your interests as internet users trying to stay boosted and protected online. This whole process also delivers a learning opportunity, and we can guide you through each of GASA’s recommendations with some extra applied insights.

Here’s a sneak peek at GASA’s recommendations, and why they matter to you:
Raise awareness and unify consumers against online scams
Facilitate One National, Easy, Online Reporting Platform
Set-up cross-organizational support for fraud victims
Develop Infrastructural Tools to Protect Consumers
Make Fraud Traceable
Set-up a Dedicated Consumer Cyber Security Center
Establish a Global Scam Data Sharing Hub
Make Service Providers responsible & liable for scammer enablement
Allow Preventive Action (Warn, Block, Stop)
Enact an International Scam Investigation & Prosecution Network


List of recommended antivirus apps released by CSA as mobile security threats rise

For the first time, Singapore's cyber-security watchdog has released a list of recommended antivirus apps, with features such as malware and phishing detection, amid mounting mobile security threats.

The move is part of the latest national campaign by the Cyber Security Agency of Singapore (CSA) launched on Saturday (Sept 30). Besides encouraging the use of antivirus tools and the scam-busting app ScamShield, the campaign urges the public to enable two-factor authentication and use strong passwords, stay alert to phishing scams, and update their software promptly.

CSA listed seven recommended antivirus apps each for Android and iOS devices. The apps, which come in free and paid versions.
Android:
  • Avast Antivirus and Security - free
  • AVG Antivirus and Security - free
  • Kaspersky Antivirus and VPN - paid
  • Lookout Security and Antivirus - paid
  • McAfee Security: VPN Antivirus - paid 
  • Mobile Security and Antivirus (Trend Micro) - paid
  • Norton360 Antivirus and Security - paid
iOS:
  • Avast Security and Privacy - free
  • AVG Mobile Security - free
  • Kaspersky: VPN and Antivirus - paid
  • Lookout - Mobile Data Security - paid
  • McAfee Security: Privacy and VPN - paid
  • Norton360 Security and VPN - paid 
  • TM Mobile Security - paid


Scammers target PM Lee in fake online ads

Fake advertisements that name Prime Minister Lee Hsien Loong and use his image to promote crypto scams, among others, have been seen on the Internet recently, Mr Lee said on Facebook on Saturday night.

He said such advertisements, which tend to surface after a major speech or announcement with lots of media coverage, have re-emerged in the past few days.

“If the ad uses my image to sell you a product, or asks you to invest in some scheme, or even uses my voice to tell you to send money, it’s not me,” he added.


Deepfake video of DPM Lawrence Wong promoting investment scam circulating on social media
A deepfake video of Deputy Prime Minister Lawrence Wong promoting an investment scam has been circulating on Facebook and Instagram.

In the video, his mouth is noticeably altered to synchronise with a fake voice-over promoting an investment scam. The voice-over mimics the pitch and intonation of his real voice. The Straits Times’ logo is used at the top right-hand corner of the video.

The video has modified footage of DPM Wong at a media doorstop interview recorded by ST. An SPH Media spokeswoman said the video in question was not created or published by the company or ST.


DEEPFAKE VIDEO OF PM LEE PROMOTING SOME INVESTMENT SCAMS

Imagine this: you’re leisurely scrolling through your usual YouTube shorts, and suddenly, an unexpected advertisement pops up.

Prime Minister (PM) Lee Hsien Loong appears to be promoting a crypto-trading video on the Beijing-based news outlet China Global Television Network (CGTN). Yes, PM Lee seems to be discussing the benefits of a hands-free crypto trading platform, which boasts the ability to compute algorithms, analyse market trends, make strategic investment decisions, and execute trades—all autonomously, without any manual input from the user.

On 29 Dec, PM Lee shared a recent deepfake video that has been circulating online. Elaborating on the type of scam involved, PM Lee explained that scammers employ AI (artificial intelligence) technology to mimic our voices and images. They transform real footage of us, taken from official events, into very convincing but entirely bogus videos of us purportedly saying things we have never said. PM Lee urged people not to respond to such scam videos, which promise guaranteed returns on investments.


DEEPFAKE VIDEO OF DPM LAWRENCE WONG SELLING SOME INVESTMENT SCAM

With the rise of artificial intelligence (AI), it’s sometimes difficult to tell what is real anymore. A deepfake video of Deputy Prime Minister Lawrence Wong promoting an investment scam has been circulating on Facebook and Instagram. The worst part is that it looks real.

Deepfakes are media that have been altered by AI to look or sound like someone. In the video, DPM Wong’s mouth is altered to synchronise with a fake voiceover that sounds like him. Yes, the voiceover mimics the pitch and intonation of DPM Wong’s actual voice. Don’t believe me? You can watch the deepfake video here

Notably, the video was made from modified footage of DPM Wong giving an interview recorded by The Straits Times. The deepfake video promotes an investment scam, even using terms reminiscent of a DPM speech, like “my dear Singaporeans”.


Spate of Online Scams
68-Year-Old Woman Loses Over S$72,500 to Malware-Laden App

In the digital age, cybercrimes are becoming a frequent occurrence worldwide. Singapore, one of the technologically advanced nations, is no exception to this trend. Recently, several individuals have fallen prey to scams involving malware-infected apps downloaded from third-party sites. These scams, often initiated through social media advertisements, have led to substantial financial losses for the victims.

Primarily, the scams unfold with victims responding to advertisements on platforms like Facebook. They are subsequently directed to download an app to facilitate their transactions. Unbeknown to them, these apps are infected with malware, enabling scammers to gain control over their devices and, consequently, their bank accounts. The victims are then subjected to unauthorized transactions, leading to considerable amounts being drained from their savings.

In one alarming instance, a 68-year-old woman lost over S$72,500 from her bank account after downloading a third-party app. She believed the app was required to list her items for sale. The woman was enticed by a Facebook advertisement from a recycling company that expressed interest in buying pre-loved furniture and electronics. After contacting the supposed buyer via Facebook Messenger, she downloaded the app, unaware of the imminent threat. Once the app was installed, the scammers managed to raise her transaction limit and transferred a total of S$72,500 out of her account. Upon realization of the financial loss, the victim and her son lodged a police report. The incident is currently under investigation.


Artificial Intelligence Impersonation

Fake advertisements that name Prime Minister Lee Hsien Loong and use his image to promote crypto scams, among others, have been seen on the Internet recently, Mr Lee said on Facebook on Saturday night.

He said such advertisements, which tend to surface after a major speech or announcement with lots of media coverage, have re-emerged in the past few days.

“If the ad uses my image to sell you a product, or asks you to invest in some scheme, or even uses my voice to tell you to send money, it’s not me,” he added.


All Singapore local calls will not display a '+' prefix wef 15 Apr 2021
International calls to have plus sign prefix to combat scam calls

All incoming international calls will be prefixed with a plus sign (+) beginning April as part of efforts to protect members of the public from scam calls, said Senior Minister of State for Communications and Information Janil Puthucheary in Parliament on Tuesday (March 3). 

From April 15, the Infocomm Media Development Authority (IMDA) will require all telecommunication companies (telcos) in Singapore to introduce this measure to help combat such spoof calls from overseas.  

Domestic calls will not display such a prefix.