Bryan Veloso

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  • Short blog post and announcement that is very important!

    Oh hello there dear reader, if I still have some readers left. I just updated my blogroll. If you happen to be in my list back then but was already removed in my May 2026 update, it’s because your website is now a 404. I checked all links in my blog roll and most of them are not loading already, with SSL errors, or it’s just a landing page with nothing on it, but a placeholder page from your registrar. I have removed those pages already.

    And I just found out that all my links are in http, I have updated them all to https then added a _blank target, so that, you know what _blank will do right?

    If you want to be re-added in my blogroll, feel free to leave a comment in this post and I’ll check if you’re worthy to be re-added. I have added a bunch of tools and new links. Check it out and explore what’s new, what’s cool, and what’s worth visiting.

    Irayo!

  • A friend asked me what PSG Digital Marketing Agency to use. So I Did the Research.

    A few weeks ago, my close friend Chloe shot me a message: “Bry, you know anything about the PSG grant for digital marketing? My business could really use the push but I don’t know where to start, or who to trust.”

    Honestly, I didn’t have a confident answer off the top of my head. I knew the PSG existed (as I’ve been working in Singapore for over a decade now), and I’ve seen agencies advertise it, but I’d never gone deep on it. So I did what I always do when I don’t know something well enough to give good advice… I went down the rabbit hole.

    What follows is everything I found: what the grant actually is, how to apply step-by-step, and the 10 agencies I’d personally feel comfortable recommending. I’m writing this out properly because Chloe asked, chances are some of you have the same question.

    So What Is the PSG Digital Marketing Grant, Exactly?

    The Productivity Solutions Grant (PSG) is a Singapore government initiative run jointly by Enterprise Singapore (ESG) and IMDA. The short version: it helps local SMEs adopt pre-approved digital marketing or IT solutions to improve productivity and transform digitally, and the government picks up up to 50% of the cost.

    It’s not a lump-sum handout. The PSG operates on a reimbursement basis — SMEs must make full payment upfront to the pre-approved vendor before submitting a grant claim for reimbursement after project completion. Disbursement takes approximately 14 working days via PayNow Corporate following claim approval.

    A few things worth knowing upfront:

    • The PSG grant cap is up to S$30,000 per company per financial year, running April 1 to March 31 the following year.
    • Digital Marketing Solutions are limited to one application per UEN. You get one shot, so the vendor you pick really matters.
    • The 2026 version of the grant now includes generative AI solutions for marketing, sales, and customer engagement — which is a genuinely exciting addition for forward-looking SMEs.

    What Does It Actually Cover?

    The PSG grant supports digital marketing services including Search Engine Optimization (SEO), Search Engine Marketing (SEM), Social Media Marketing, and Content Marketing. Most approved agencies also cover Social Media Advertising (SMA), Video Marketing, Google Ads/PPC, and some even include Xiaohongshu (RED) marketing.

    One thing to be clear on: the grant covers vendor management fees only — not ad spend you pay directly to Google or Meta.

    And here’s the part that genuinely surprised me when I found it:

    Combine the power of the Digital Marketing PSG with SkillsFuture Enterprise Credits (SFEC) for maximum savings. After applying the PSG grant, SFEC credits can further offset up to 90% of your remaining out-of-pocket expenses, giving you up to 95% off on digital marketing solutions.

    95% off. That’s not a typo.

    (SFEC eligibility requires at least S$750 in Skills Development Levy contributed, at least 3 SCs or PRs employed monthly, and no prior SFEC qualification.)

    Are You Even Eligible?

    Most legitimate Singapore SMEs will qualify. Here’s the checklist:

    • Business must be registered and operating in Singapore with a valid ACRA business profile.
    • Minimum 30% local shareholding by Singaporean or Permanent Resident.
    • SME definition: Group annual sales turnover of S$100 million OR Group employment size of 200 employees.

    Charities, Institutions of Public Characters (IPCs), Religious Entities, VWOs, Government agencies and subsidiaries, and societies are not eligible.

    The most important rule — and the one people mess up most:

    SMEs must not make any payment or sign a contract with the supplier, vendor or third party in relation to the purchase of the IT solution before getting approval. If they have, their application will be rejected and they will not be eligible for the grant.

    Don’t pay anything. Don’t sign anything. Wait for the green light first.

    How to Apply — Step by Step

    1. Step 1 — Pick a pre-approved vendor (from the list below — that’s the whole point of this post)
    2. Step 2 — Get a formal quotation from that vendor for the package you want. You’ll need this for your application.
    3. Step 3 — Submit via the Business Grants Portal
      Submit your application on the Business Grants Portal at businessgrants.gov.sg. Log in with CorpPass, select your business entity and sector, and attach the vendor’s quotation. Cleverly
    4. Step 4 — Wait (~6 weeks)
      Your timing needs to be right — you must make payments after submitting your application and file claims within the given deadlines. No payments, no contracts, no handshake deals in the meantime.
    5. Step 5 — Accept the Letter of Offer
      Once the grant application is approved, accept the Letter of Offer from BGP, then formally engage your vendor and pay upfront.
    6. Step 6 — Run the campaign
      Complete the project within the qualifying period stated in your Letter of Offer. Dates matter here.
    7. Step 7 — Claim your reimbursement
      Submit all supporting documents (invoices, reports, receipts) via BGP. Disbursement takes approximately 14 working days via PayNow Corporate following claim approval.

    My 10 Recommended Digital Marketing Agencies for PSG & Beyond

    Now here’s why my friend’s message sent me down this rabbit hole in the first place — the vendor you choose is everything. Since the digital marketing PSG is once per UEN, you don’t want to spend it on the wrong agency.

    I looked at track records, specialisations, client feedback, and how each agency positions itself. Here’s who I’d genuinely consider, and why.

    01 — Impossible Marketing

    If you want the most decorated agency on this list, this is it. As a winner of The Search Marketing Agency of the Year 2020 and 2022, Impossible Marketing has the stamp of approval by esteemed judges from brands like Adidas, UOB, CapitaLand, Cathay Pacific, FairPrice, Grab, and Lazada. They offer five tiered PSG-eligible packages spanning SEO, SEM, PPC, social media, and video marketing. Big name, big reputation, with the results to back it up.

    With their back-to-back wins as Search Marketing Agency of the Year (2020 & 2022) and Lead Generation Agency of the Year (2022), plus official partnerships with Google, Meta, and TikTok, Impossible Marketing brings serious firepower to the table. They offer five carefully structured PSG-eligible packages that span SEO & SEM, SEO & SMA, SEO & SMM, SMM & SMA, and longer-term SEO + Content Marketing, all designed to deliver measurable results while making the grant application process straightforward for busy SMEs.

    Best for: SMEs who want a proven, high-profile agency with deep experience across multiple industries.

    02 — OOm Singapore

    OOm has built a strong reputation through consistently demonstrable results. They helped Fresh Laundry increase leads by over 10x and helped JM Floral Creation achieve a near-triple increase in sales revenue with an impressive 7.69x ROAS. They offer well-structured digital advertising bundles (SEM + SEO, SEM + SMA, SMA + SMM) and their packages are stackable with SFEC credits for maximum savings.

    What really makes OOm stand out is their proven ability to deliver explosive, data-backed results. They’ve helped clients like Fresh Laundry achieve a 10x+ increase in enquiries, JM Floral Creation hit 7.69x ROAS and nearly triple revenue, and many others see 50–740% growth in leads and traffic. Their PSG bundles are built to stack seamlessly with SkillsFuture Enterprise Credits (SFEC), unlocking up to 95% total savings while providing transparent monthly reporting and ongoing optimisation.

    Best for: Businesses that want a data-driven agency with a strong paid advertising track record.

    03 — Big Wall Digital

    I’ll be honest, this one wasn’t on my radar at first. But the more I looked, the more I appreciated what they’re doing differently. Big Wall Digital takes a personal, hands-on approach by treating every client’s website like it’s their own, with far less bureaucracy and much more genuine investment in your brand’s outcomes. They offer two excellent IMDA pre-approved PSG packages: LinkBoost (SEO + Content Marketing) and ContentCore (SEO + SEM). Both priced at just $1,650 per month after the 50% PSG grant.

    Big Wall Digital is relatively new compared to the agencies above, but that’s almost the point. While the big guys are managing hundreds of clients at a time, Big Wall takes a fundamentally different approach: they treat every client’s website like it’s their own. It’s a human connection-first model, less account management bureaucracy, more genuine investment in your brand’s outcomes.

    Where established agencies can sometimes feel like you’re just another ticket in the queue, Big Wall is the kind of shop where the people working on your campaign actually care about the results the way you do. For SMEs who want a partner, not just a vendor, that distinction matters a lot.

    Best for: SMEs who want a hands-on partner that treats your business like their own, not just another account on the roster.

    04 — MediaOne

    MediaOne has 10 years of experience working on government-related grants, subsidies, and direct GLC or GLA work. For PSG, this is their third year running, giving them plenty of exposure and experience to ensure a trouble-free campaign. They cover SEO, SEM, social media, content, and website development. What also stood out: they offer reapplication assistance if your grant application is initially rejected — that’s not something every agency does.

    Best for: SMEs who want an agency with deep government grant experience and a safety net if things go sideways.

    05 — Digital M Pte Ltd

    Digital M provides five different digital marketing packages including SEO, SEM, SMM, and Xiaohongshu marketing. If your business has any significant reach into Singapore’s Chinese-speaking community, this is worth a serious look. Their multi-year client relationships and high satisfaction scores speak for themselves.

    Best for: Businesses targeting Chinese-speaking markets or wanting Xiaohongshu (RED) as part of their strategy.

    06 — 2Stallions

    2Stallions is an award-winning, full-service digital marketing agency with offices in Singapore and Malaysia. Since 2012, they’ve helped brands of all sizes turn strategy into growth — and they’re a pre-approved vendor for both the PSG Digital Marketing Grant and the Digi-TAC Grant. Over a decade of operation, strong regional presence, and dual-grant eligibility makes them worth shortlisting.

    With over a decade of experience since 2012, certified partnerships with Google, TikTok, and Shopify, and a strong collection of industry awards, 2Stallions stands out as a true full-service regional player. They offer multiple pre-approved PSG packages (including Social Media Marketing + Advertising, SEO + Content Marketing, and combined SEO/SEM options) spanning 3–6 months, all designed to deliver measurable growth through SEO, SEM, social media, content marketing, photography/videography, and website development. Their dual eligibility for both the PSG and Digi-TAC grants, combined with offices in Singapore and Malaysia, makes them an ideal long-term partner for SMEs looking to expand locally or across Southeast Asia.

    Best for: SMEs looking for a full-service agency with long-term regional credibility and dual grant access.

    07 — Websentials

    With Websentials as your PSG Digital Marketing Grant partner, you’ll have expert assistance at every stage so you maximise the benefit, minimise administrative overload, and can focus on what really matters — growing your business. Their packages are built around analytics and scalable long-term growth rather than short-term wins.

    Best for: First-time PSG applicants who want guided, end-to-end support through the whole process.

    08 — FY Ads Singapore

    Founded in 2019, FY Ads is recognised as the exclusive partner of Xiaohongshu and its Premier Overseas Partner. They’re PSG-eligible and offer a full creative suite: social media management, influencer marketing, video production, content creation, and web design. If your brand needs to resonate with cross-border Chinese audiences, these are the specialists.

    Best for: Brands with a strong cross-border Chinese audience focus or influencer marketing ambitions.

    09 — Cleverly SG

    Cleverly SG is a no-frills, PSG pre-approved agency that puts transparency front and centre. They help you track key performance metrics, enabling you to leverage every available opportunity to benefit your brand, from live data points to comprehensive analytics reports. If you’re the kind of business owner who wants to see exactly what’s happening with your campaign at all times, this is a good fit.

    Best for: Detail-oriented business owners who want full visibility into campaign performance data.

    10 — Innovative Hub SG

    Innovative Hub is a trusted PSG partner that provides SMEs with expert advisory on how to move from picking your solution to getting reimbursed. They’re known for hand-holding you through the BGP system in a way that makes the process feel manageable rather than overwhelming. Great resource if bureaucracy stresses you out.

    Best for: SMEs who want practical grant advisory paired with solid digital marketing implementation.

    The One Rule You Cannot Break

    I’ll say it one more time because it really is that important: do not make any payment or sign a contract with the supplier before getting approval from Enterprise Singapore. If you have, your application will be rejected.

    Get your vendor shortlisted. Get your quotation. Submit your application. Then wait. The whole process takes roughly six weeks, and it’s worth doing it right.

    Final Thought

    The PSG Digital Marketing Grant is one of those things that sounds complicated until you actually sit down with it — and then it’s surprisingly straightforward. If you’re a Singapore SME and you’ve been putting off your digital marketing because of budget concerns, this grant removes a significant chunk of that barrier.

    My friend ended up going with one of the agencies on this list. I’m not going to say which one — that’s between them and their website traffic. But I hope this breakdown saves you the hours of research I did so you can make the call with confidence.

    If you found this useful, share it with a business owner who’d benefit. And if you have questions, you know where to find me.

  • Too many new features in WP 6.9

    I recently upgraded my blog to 6.9 and I love how WP progressed over the years. Back then I just use this for blogging, but now, it’s everything. You can even create apps, dashboards, booking systems, and everything you can think of using WP. Now, you can even leave comments like using Figma.

    The drag and drop editor Gutenberg that was so bad back then, really improved this 2026.

    I’m still using Classic Editor btw, but I’m gonna switch again and will just use the default Gutenberg editor moving forward. So far so gooooood!

    Also, I recently discovered vibe coding, and you can actually deploy professionally built websites and blog, that’s already headless in just a few seconds. Worst case scenario is minutes. lol! Now everyone is a web / app developer!

    Anyway, I know this guy who is bragging too much about he deployed this and that, and made this and that, with zero coding knowledge. Now this guy deployed a CRM where the company is actually using. One day, there’s an issue about it and he cannot fix it, nor the AI. I think it’s server related issue or some capacity as the code is not that optimized. It frequently goes down. He can’t fix it, AI can’t fix it, and it went down. He has zero clue how to fix it, so he resigned.

    Lesson here is, don’t overly rely on AI. Even a simple CSS issue, AI overcomplicates it, even if it’s just a simple one line fix.

    Gotta learn the basics, instead of just telling the artificial intelligence everything what you want.

    A solid foundation in basics is better than zero foundation at all.

    Stay humble. Stay foolish. Stay Hungry. Thank you Steve Jobs!

  • Clean Login custom user meta fields WP snippet

    I just made extra fields in my user registration and made it appear in the clean login [edit-profile] shortcode. Here’s a wp snippet that you can modify to do the same. I registered two custom user meta fields via formidable forms, but I can only view it if I display the form in the frontend. Formidable Forms lack the confirm email functionality when you change the email address in the web form, so I used clean login to achieve a frontend edit profile with e-mail confirmation.

    Below is an example snippet to add more fields in your clean login edit profile page.

    <?php
// Add custom user meta fields to the Clean Login edit form
add_action( 'clean_login_edit_profile_fields', function( $user_id ) {
    $contact   = get_user_meta( $user_id, 'contact', true );
    $territory = get_user_meta( $user_id, 'territory', true );
    ?>
    <p>
        <label for="contact"><?php _e( 'Contact', 'clean-login' ); ?></label><br>
        <input type="text" name="contact" id="contact" value="<?php echo esc_attr( $contact ); ?>" />
    </p>
    <p>
        <label for="territory"><?php _e( 'Territory', 'clean-login' ); ?></label><br>
        <input type="text" name="territory" id="territory" value="<?php echo esc_attr( $territory ); ?>" />
    </p>
    <?php
});

// Save the custom fields when user updates profile
add_action( 'clean_login_save_profile_fields', function( $user_id ) {
    if ( isset( $_POST['contact'] ) ) {
        update_user_meta( $user_id, 'contact', sanitize_text_field( $_POST['contact'] ) );
    }
    if ( isset( $_POST['territory'] ) ) {
        update_user_meta( $user_id, 'territory', sanitize_text_field( $_POST['territory'] ) );
    }
});

  • What’s Coming in WordPress 7.0: A Look at the New Features and Improvements

    WordPress has come a long way from its humble beginnings as a blogging platform. With every major release, it continues to evolve into a more powerful and user-friendly content management system. As we look ahead to WordPress 7.0, set for release later this year, the core team has announced some exciting new features that promise to enhance both the user and developer experience.

    Here’s a breakdown of what’s coming in WP 7.0 and why it matters.

    Full-Site Editing (FSE) Gets Smarter

    While Full-Site Editing was introduced in previous versions, WP 7.0 will refine and expand its capabilities. Expect:

    – Smarter block-based theme tools
    – Global style variations that make switching between designs seamless
    – Improved template browsing and creation directly from the Site Editor
    – Enhanced navigation block customization, finally matching the flexibility of traditional menus

    These updates are designed to give both designers and non-coders greater control over site appearance—without needing to touch PHP.

    Performance Boosts

    Performance remains a top priority, and version 7.0 introduces several under-the-hood improvements:

    – Improved object caching, especially for REST API responses
    – Enhanced lazy loading for images and iframes, reducing page load times
    – A new defer” attribute added to script loading for better Core Web Vitals
    – Database query optimization in multisite setups

    Whether you’re running a blog or a WooCommerce store, these enhancements will help your site run faster and smoother.

    Block Editor Enhancements

    The Gutenberg editor gets a significant upgrade with:

    – New blocks: Table of contents, image comparison, progress bar
    – Block-level revisions, letting you revert changes to individual blocks
    – Improved drag-and-drop functionality and block locking to prevent accidental edits
    – Better accessibility and keyboard navigation throughout the editor

    The block editor continues to mature into a more intuitive page builder, closing the gap with premium solutions.

    Better Security and Access Control

    Security updates in WordPress 7.0 include:

    – Role-based block access, so certain blocks can be hidden from non-admin users
    – Tighter REST API permission checks
    – Support for passkeys as a login method
    – Continued work toward Core auto-updates by default, reducing risk on neglected installs

    Security-conscious users will appreciate these thoughtful additions.

    Plugin and Theme Developer Improvements

    For developers, WordPress 7.0 brings:

    – New interactivity API for building dynamic blocks without React overhead
    – Script module support type=”module”
    – Better block style registration and tooling in the theme.json
    – Early support for PHP 9.0 compatibility checks

    These improvements not only modernize development workflows but also lay the groundwork for future innovation.

    Multilingual Support on the Horizon?

    One of the most requested features—native multilingual support—is finally getting traction. While full support may not land in 7.0, early groundwork is being laid. Expect:

    – Language switching APIs for developers
    – Basic language context awareness in block themes
    – UI components that will make it easier to build multilingual plugins

    It’s a strong hint that core multilingual capabilities may be included in future 7.x releases.

    WordPress 7.0 isn’t just about adding flashy features—it’s about refining the experience, improving performance, and moving closer to a modern, decoupled CMS. Whether you’re a blogger, developer, or agency, this release is shaping up to be one of the most impactful updates in recent memory.

  • Matt vs WP Engine: Open-source ethics versus commercial enterprise

    Matt Mullenweg’s frustration with WP Engine seems to stem from two key issues: WP Engine’s monetization practices and its contribution to the WordPress community. His criticisms are centered on the fact that WP Engine, while profiting heavily from the WordPress ecosystem, allegedly doesn’t support or contribute enough to its open-source foundation. This is important because WordPress is built on a collaborative, open-source philosophy, and Mullenweg likely sees WP Engine’s approach as undermining those values.

    However, WP Engine argues that they are acting within the bounds of open-source usage, suggesting that they have the right to use WordPress’s trademark without additional licensing fees. They also push back on Mullenweg’s claims, asserting that they provide significant value to users and that their business practices are in line with the expectations of their customers.

    From Mullenweg’s perspective, his stance could be seen as reasonable if you consider the long-term sustainability and fairness of open-source projects. He may see WP Engine’s actions as detrimental to WordPress’s community-driven spirit, especially when a commercial entity profits without contributing back. However, calling WP Engine a “cancer” might be viewed as overly harsh, particularly when many WP Engine customers feel satisfied with the services they provide .

    In essence, the reasonableness of Mullenweg’s actions depends on one’s perspective on open-source ethics versus commercial enterprise. If you value strict adherence to open-source principles, Mullenweg’s stance may resonate. However, if you view WordPress as a platform open to free-market usage, WP Engine’s approach might seem justified.

  • Medical “Certificate is Already Linked to a Client” Error in LTO LTMS Portal

    Recently I attempted to renew my Driver’s License purely online (just like when I renewed my motor vehicle registration) and I failed. If you’re like me trying to renew your driver’s license online through the Land Transportation Management System (LTMS) portal and encounter the error message “certificate is already linked to a client,” you’re not alone. This error typically occurs when you’ve obtained your medical certificate from a clinic near an LTO office.

    Why This Happens:
    Medical certificates issued by some LTO-accredited clinics are directly linked to your record, but they might not be valid for full online renewal. If your medical exam was conducted at a nearby clinic affiliated with the LTO, the system will flag your certificate as already linked. This means that while your certificate is valid, it is not eligible for 100% online processing.

    What You Should Do:
    If this happens, your best course of action is to proceed directly to the nearby LTO office where you got your medical certificate. You can complete the renewal process in person at the same location. Unfortunately, only a select few accredited clinics issue medical certificates that are fully compatible with the LTMS portal for online renewal.

    Key Takeaway:
    To avoid future inconveniences, check if the clinic you’re visiting for your medical exam is accredited for online renewal. Otherwise, you may need to handle your renewal at an LTO office after obtaining your certificate.

    By following this process, you can ensure a smoother renewal experience!

  • UnionBank Quasi Cash Fees on GrabPay Cash-Ins: A Closer Look at the “Scam”

    UnionBank, one of the leading financial institutions in the Philippines, has recently been under scrutiny for charging quasi cash fees on GrabPay cash-ins. Many users are outraged, calling it a “scam” and questioning the fairness of these charges. But what exactly is happening here, and why are so many people upset?

    What Is a Quasi Cash Fee?

    Before diving into the specifics, it’s essential to understand what a quasi cash fee is. Traditionally, quasi cash refers to transactions that involve purchasing items that can be easily converted into cash, such as gambling chips, foreign currency, cryptocurrency, or money orders. Because these transactions are akin to cash withdrawals, banks often treat them as such, applying fees to mitigate the risks associated with them.

    The UnionBank and GrabPay Situation

    In the case of UnionBank and GrabPay, the issue arises from the bank charging quasi cash fees when users top up their GrabPay wallets using a UnionBank credit card. GrabPay is a digital wallet that allows users to pay for rides, food deliveries, and other services within the Grab ecosystem. However, unlike traditional quasi cash transactions, the funds in a GrabPay wallet are restricted to use within the Grab platform. They cannot be withdrawn as cash or used outside of the Grab environment.

    Why Users Are Calling It a “Scam”

    The outrage stems from the fact that users feel deceived by UnionBank’s classification of GrabPay cash-ins as quasi cash transactions. Here’s why:

    1. Limited Use of Funds: Unlike traditional quasi cash, the funds loaded into a GrabPay wallet are not transferable or withdrawable. They can only be used for specific transactions within the Grab ecosystem, such as paying for rides, food deliveries, and other in-app services. This limitation means that users are essentially paying a cash advance fee for something that does not function as cash.

    2. Unexpected Fees: Many users were caught off guard by the quasi cash fees applied to their GrabPay cash-ins. These fees can range from a small percentage of the transaction amount to a fixed fee, adding an unexpected cost to what users assumed was a standard transaction.

    3. Lack of Transparency: Users argue that UnionBank did not clearly communicate that these transactions would be classified as quasi cash, leading to a sense of betrayal. Many only discovered the fees after checking their statements, by which time the charges had already been applied.

    4. No Real Cash Benefit: The primary justification for quasi cash fees is that they cover the risk associated with cash-like transactions. However, since GrabPay funds cannot be used as cash outside the platform, the rationale for applying these fees seems weak. Users are essentially being charged a premium for funds that offer no additional liquidity.

    The Bigger Picture: Is It Really a Scam?

    While the term “scam” is a strong accusation, it reflects the frustration and anger many users feel. From a legal standpoint, UnionBank may be within its rights to apply these fees according to their terms and conditions. However, the ethical implications are a different matter.

    The crux of the issue lies in the disconnect between the traditional definition of quasi cash and the specific nature of GrabPay transactions. By charging these fees, UnionBank is profiting from a situation where users have no alternative options for accessing or using their funds outside of the Grab platform. This has led to widespread dissatisfaction and calls for the bank to reconsider its fee structure for digital wallet transactions.

    What Can Be Done?

    For now, users should be vigilant when using their UnionBank credit cards to top up digital wallets like GrabPay. It’s crucial to read the fine print and understand the potential fees associated with these transactions. Additionally, customers can voice their concerns to UnionBank and regulatory bodies, pushing for clearer guidelines and more transparent practices in the banking industry.

    As digital wallets continue to grow in popularity, banks will need to adapt their policies to ensure they are fair and transparent. Otherwise, they risk alienating customers and damaging their reputations in the long term.

    In conclusion, while the quasi cash fees on GrabPay cash-ins may not meet the legal definition of a scam, they certainly raise ethical questions. Users deserve better transparency and fair treatment, especially in an increasingly digital world where such transactions are becoming more common.