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<div style="text-align: center;" align="center"><span style="font-size: 16px; font-weight: normal; font-family: Calibri, Helvetica, Arial, sans-serif;">In conversation with</span></div>
<div style="text-align: center;" align="center"><span style="font-size: 20px; font-family: Calibri, Helvetica, Arial, sans-serif;">Vaughan Ryan</span></div>
<div style="text-align: center;" align="center"><span style="font-size: 18px; font-weight: normal; font-family: Calibri, Helvetica, Arial, sans-serif; font-style: italic;">Asia's Shift in Consumerism</span></div>
<div style="text-align: center;" align="center"><br></div>
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<span style="font-size: 16px; font-weight: normal; font-family: Calibri, Helvetica, Arial, sans-serif;">Click </span><a href="http://www.insideasiapodcast.com/consumerism-shift/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; color: rgb(207, 143, 18); font-weight: normal; font-style: normal; text-decoration: underline;">here</a><span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal;"> to listen to the full </span><span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-style: italic;">Inside Asia</span><span style="font-size: 16px; font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal;"> episode</span>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">If recent findings from market research firm, Nielson, are to be believed, consumerism throughout the Asia region is alive and well. Indeed, the Coronavirus pandemic that threatens economic stability may be receiving a much-needed boost from consumers who rather than curtail their spending habits, have simply adjusted them.</span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Of course, this doesn’t hold true for all Asians. Among the least developed markets where the average citizen lives hand-to-mouth and savings rates are virtually non-existent, it’s not what you can buy, but how to survive that occupies the minds of many. The Covid crises has put millions of jobs in jeopardy all across the region, and the longer countries restrict cross-border travel and trade in some goods and services, the longer the suffering will persist.</span></div>
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<span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">To help explain this recent phenomena, I’m joined in </span><a href="http://www.insideasiapodcast.com/consumerism-shift/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">this episode</a><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;"> of </span><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif; font-style: italic;">Inside Asia</span><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;"> by </span><a href="https://www.linkedin.com/in/vaughan-ryan-a4b40a1/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">Vaughan Ryan</a><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">, Managing Director of Consumer Intelligence at </span><a href="https://www.nielsen.com/us/en/" rel="noopener noreferrer" target="_blank" style="font-size: 16px; color: rgb(54, 97, 189); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: normal; font-style: normal; text-decoration: underline;">Neilson</a><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">, a leading global market research firm. Vaughan’s findings are encouraging, to say the least. And while it’s still early days and there is – no doubt – more economic and social suffering to come – Asian consumers are proving resilient. </span>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: bold;">Spending Patterns and Savings Rates</span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">For those fortunate enough to have held onto their jobs, it seems that income once spent on travel, outings, and restaurants is now being spent on health and well-being, home entertainment and improvement, and food. It appears to be a function of disposable income. With the exception of the poorest segment of the Asia population, most middle- and upper-middle class families have built up healthy household savings rates. It’s the proverbial “rainy day,” and money that was tucked away for just such an occasion, is now proving central in helping economies in the region endure the current crises. </span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Patterns in purchasing behavior have changed too. As Vaughan points out, in markets where e-commrece lagged, Covid-19 has given online purchasing a big nudge. For most users, once they cross that line, and use a smart phone or laptop to make a purchase, they rarely go back. He believes that even among an older set of more conventional shoppers, e-commerce has taken on a new meaning. Even after the crises subsides, he doesn’t expect e-commerce trends to subside or reverse. </span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">Customer loyalties are re-adjusting as well. Those who may have once preferred international brands discovered that during the crises, some of those products were no longer available in local stores. That caused a shift to local producers who weren’t as affected by supply-chain disruptions. In the meantime, governments are both subtly and not-so-subtly encouraging citizens to buy local and support the home economy. While small businesses all around the region have suffered the most, this particular situation has cleared the way for new cottage industries and local providers of otherwise internationally sourced products. </span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-weight: bold; font-family: Calibri, Helvetica, Arial, sans-serif;">Bargain Hunting vs. Ethical Buying</span></div>
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<span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">It’s odd and strangely re-assuring to see such a positive outlook for consumption in the region – at least from a pure economic standpoint. But at the same time – and maybe this is just a personal hope – I’ve wondered if this crises would offer a moment of consumer reflection. As in, do I really need that battery-operated back-scratcher or that 23</span><sup style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif; line-height: 0; mso-text-raise: 30%;">rd</sup><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;"> pair of Ferragamo dress shoes. We have that other problem looming and it goes by the name of environmental sustainability. Human consumption on all fronts has severely taxed our planet. A global reduction in consumer demand might help mend the damage done. But here’s the rub: Our global economy has been built on the back of household consumption. Demand creates jobs, jobs produce income, and income is used to make those purchases that make us happy and keep the wheels of commerce turning.</span>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif;">In the run-up to the crises, there was hope that conscientious companies would create more sustainable products and that consumers would pay a little more if it meant higher manufacturing standards and sustainable practices. Covid is testing that possibility. Value shopping is back in vogue and consumers are defaulting to bargain hunting. That raises concerns around ethical buying. If consumers start caring less about a company’s environmental, social and governance practices, will corporations go back to their old ways and put less emphasis on sustainability goals? Let’s hope not. </span></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-weight: bold; font-family: Calibri, Helvetica, Arial, sans-serif;">Frank Lavin:</span></div>
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<span style="font-size: 12px; color: rgb(102, 102, 102); font-family: Calibri, Helvetica, Arial, sans-serif;">| </span><span style="font-size: 12px; font-family: Calibri, Helvetica, Arial, sans-serif;">April 10, 2020</span><span style="font-size: 12px; font-family: Calibri, Helvetica, Arial, sans-serif; color: rgb(102, 102, 102);"> | </span>
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<div class="text-container galileo-ap-content-editor"><div><div><span style="font-size: 14px; color: rgb(102, 102, 102); font-family: Calibri, Helvetica, Arial, sans-serif;">My guest this episode is Frank Lavin, former Citibank executive, US Ambassador to Singapore, and the Founder and Chairman of ExportNow, a business designed to deliver US-brand products to China. Frank and I spoke at the outset of the pandemic. Since then, things have grown worse. Markets are volatile, trade is disrupted, and cities the world over are in varying stages of lockdown. Our conversation is an attempt to pull back momentarily in order to reflect on some of the broader trends that inform Asia’s prospects in the medium- to long-term. How long the crises will continue is anyone’s guess. But make no mistake, the world will be forever changed because of it. Without becoming Covid-19 centric, we hope – in coming episodes – to touch on the virus’ impact. How will a post-Covid world re-balance global power? What’s the anticipated impact on consumer behavior? Will corporations find in this moment an opportunity to change its practices and adapt to a new set of rules? I hope you’ll join us.</span></div></div></div>
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<div><span style="font-size: 16px; color: rgb(0, 0, 0); font-family: Calibri, Helvetica, Arial, sans-serif; font-weight: bold;">Cary Horenfeldt:</span></div>
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<div><span style="font-size: 12px; color: rgb(102, 102, 102); font-family: Calibri, Helvetica, Arial, sans-serif;">| February 25, 2020 |</span></div>
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<div><span style="font-size: 14px; color: rgb(102, 102, 102); font-family: Calibri, Helvetica, Arial, sans-serif;">My guest this week is Cary Horenfeldt, a self-styled digital payments expert. He’s an advisor to Bain & Company and consultant to an ever-growing FinTech community in Asia and beyond. Based in Singapore, Cary sees growing enthusiasm for digital payments. Regulators  are relaxing rules, making way for new entrants, while merchants contemplate ways to drive sales across new payment platforms. The only real loser in this payments frenzy is cash, and no one seems too sad to see it go.</span></div>
<div><span style="font-size: 14px; color: rgb(102, 102, 102); font-family: Calibri, Helvetica, Arial, sans-serif;">So-called digital wallets are all the rage, accounting for 54% of all China e-commerce sales, which in turn, represent 620.5 billion dollars of a booming 1.2 trillion dollar marketplace. “Super Apps” created and supported by Chinese behemoths Alibaba and WeChat capture QR codes with the swipe of a smartphone, making payments quick, smooth and seamless. In less than 20 years, China has risen to become the world’s digital vanguard. It now leads the world in digital payments, and with only 56% smartphone penetration there’s still lots of upside.</span></div>
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<div class="text-container galileo-ap-content-editor"><div><div>If podcasting isn't your thing, or you're just too busy to take 30 minutes to listen, check out my articles <a href="https://www.linkedin.com/in/steve-stine-6124084/detail/recent-activity/posts/" rel="noopener noreferrer" target="_blank" data-segment-action="add" data-segment-id="7527c640-69b8-11e8-ad61-d4ae529a8575" style="color: #597274; font-weight: normal; font-style: normal; text-decoration: underline;">here</a> on Linked-in where I set out to summarize each week’s conversation. We touch on a wide range of topics from healthcare to finance, politics to cleantech. I hope you’ll join us.</div></div></div>
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<span class="article-heading-text" style="font-size: 18px; font-weight: bold; color: #000000;">Steve Stine | LinkedIn</span><br>
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<span>Check out professional insights posted by Steve Stine, Senior Regional Leadership Advisor and INSIDE ASIA radio talk show host</span><br>
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<a style="text-decoration: underline; color: #597274; font-weight: normal; font-style: normal;"></a><a href="https://www.linkedin.com/in/steve-stine-6124084/detail/recent-activity/posts/" style="color: #597274; font-weight: normal; font-style: normal; text-decoration: underline;"><span>Read more</span></a><br>
<a style="color: inherit; text-decoration: none; font-weight: normal; font-style: normal;">www.linkedin.com</a><br>
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</table><div align="center" style="background-color: #F3F3F3;"><table width="100%" cellpadding="0" cellspacing="0" border="0" style="background-color: #f3f3f3"><tr><td align="center" valign="top" style="padding: 0px 0px 0px 0px;"><div align="center" style="max-width: 600px; margin-left: auto; margin-right: auto;"><table cellpadding="0" cellspacing="0" border="0" style="width: 600px; width: auto !important; margin-left: auto; margin-right: auto;"><tr><td align="left" valign="top" style="color: #5b5b5b; font-size: 11px; line-height: 1.3; font-family: Arial, Helvetica, sans-serif; padding: 20px 20px 20px 20px;"><div style="color: #FF0000; font-size: 11px; line-height: 1.3; font-family: Arial, Helvetica, sans-serif;"><span style="font-size: 13px; font-weight: bold;">THIS IS A TEST EMAIL ONLY.</span><br />This email was sent by the author for the sole purpose of testing a draft message. If you believe you have received the message in error, please contact the author by replying to this message. Constant Contact takes reports of abuse very seriously. If you wish to report abuse, please forward this message to <a href="mailto:abuse@constantcontact.com">abuse@constantcontact.com</a>.<br /></div></td></tr></table></div></td></tr></table></div></body>
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