Yah Lah But #787 ft Natalia Goh – Can You Trust a Bank With No Branches? How Has Digital Banking Changed Personal Finance
Most of us just want banking to be simple: salary comes in, bills go out, and the rest… hopefully grows a bit. But banking has changed so quickly that a lot of people are using new tools without really knowing what’s happening underneath.
We talk to MariBank CEO Natalia Goh about how digital banks work, what’s driving renewed interest in gold, and why our money habits in Singapore are shifting in ways that affect ordinary working people.
𝙏𝙝𝙞𝙨 𝙚𝙥𝙞𝙨𝙤𝙙𝙚 𝙞𝙨 𝙗𝙧𝙤𝙪𝙜𝙝𝙩 𝙩𝙤 𝙮𝙤𝙪 𝙗𝙮 𝙇𝙞𝙤𝙣 𝙂𝙡𝙤𝙗𝙖𝙡 𝙄𝙣𝙫𝙚𝙨𝙩𝙤𝙧𝙨
𝘐𝘯𝘤𝘦𝘱𝘵𝘦𝘥 𝘰𝘯 1 𝘋𝘦𝘤 2025, 𝘵𝘩𝘦 𝘓𝘪𝘰𝘯𝘎𝘭𝘰𝘣𝘢𝘭 𝘚𝘪𝘯𝘨𝘢𝘱𝘰𝘳𝘦 𝘗𝘩𝘺𝘴𝘪𝘤𝘢𝘭 𝘎𝘰𝘭𝘥 𝘍𝘶𝘯𝘥 𝘪𝘴 𝘚𝘪𝘯𝘨𝘢𝘱𝘰𝘳𝘦’𝘴 𝘧𝘪𝘳𝘴𝘵 𝘱𝘩𝘺𝘴𝘪𝘤𝘢𝘭 𝘨𝘰𝘭𝘥 𝘧𝘶𝘯𝘥 𝘵𝘩𝘢𝘵 𝘪𝘴 𝘪𝘯𝘴𝘶𝘳𝘦𝘥 𝘢𝘯𝘥 𝘢𝘭𝘭𝘰𝘤𝘢𝘵𝘦𝘥 𝘨𝘰𝘭𝘥 𝘪𝘴 𝘴𝘦𝘤𝘶𝘳𝘦𝘭𝘺 𝘷𝘢𝘶𝘭𝘵𝘦𝘥 𝘪𝘯 𝘚𝘪𝘯𝘨𝘢𝘱𝘰𝘳𝘦. 𝘍𝘪𝘯𝘥 𝘰𝘶𝘵 𝘮𝘰𝘳𝘦 𝘢𝘣𝘰𝘶𝘵 𝘵𝘩𝘦 𝘍𝘶𝘯𝘥 𝘢𝘵 https://yahlahbut.short.gy/LGI-goldfund
𝘿𝙞𝙨𝙘𝙡𝙖𝙞𝙢𝙚𝙧 – 𝙇𝙞𝙤𝙣 𝙂𝙡𝙤𝙗𝙖𝙡 𝙄𝙣𝙫𝙚𝙨𝙩𝙤𝙧𝙨 𝙇𝙞𝙢𝙞𝙩𝙚𝙙
𝘛𝘩𝘪𝘴 𝘢𝘥𝘷𝘦𝘳𝘵𝘪𝘴𝘦𝘮𝘦𝘯𝘵 𝘩𝘢𝘴 𝘯𝘰𝘵 𝘣𝘦𝘦𝘯 𝘳𝘦𝘷𝘪𝘦𝘸𝘦𝘥 𝘣𝘺 𝘵𝘩𝘦 𝘔𝘰𝘯𝘦𝘵𝘢𝘳𝘺 𝘈𝘶𝘵𝘩𝘰𝘳𝘪𝘵𝘺 𝘰𝘧 𝘚𝘪𝘯𝘨𝘢𝘱𝘰𝘳𝘦. 𝘐𝘵 𝘪𝘴 𝘧𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘪𝘴 𝘯𝘰𝘵 𝘢 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯, 𝘰𝘧𝘧𝘦𝘳 𝘰𝘳 𝘴𝘰𝘭𝘪𝘤𝘪𝘵𝘢𝘵𝘪𝘰𝘯. 𝘠𝘰𝘶 𝘴𝘩𝘰𝘶𝘭𝘥 𝘳𝘦𝘢𝘥 𝘵𝘩𝘦 𝘱𝘳𝘰𝘴𝘱𝘦𝘤𝘵𝘶𝘴 𝘢𝘷𝘢𝘪𝘭𝘢𝘣𝘭𝘦 𝘢𝘵 𝘸𝘸𝘸.𝘭𝘪𝘰𝘯𝘨𝘭𝘰𝘣𝘢𝘭𝘪𝘯𝘷𝘦𝘴𝘵𝘰𝘳𝘴.𝘤𝘰𝘮 𝘣𝘦𝘧𝘰𝘳𝘦 𝘥𝘦𝘤𝘪𝘥𝘪𝘯𝘨 𝘸𝘩𝘦𝘵𝘩𝘦𝘳 𝘵𝘰 𝘪𝘯𝘷𝘦𝘴𝘵 𝘪𝘯 𝘵𝘩𝘦 𝘧𝘶𝘯𝘥. 𝙏𝙝𝙚 𝙁𝙪𝙣𝙙'𝙨 𝙣𝙚𝙩 𝙖𝙨𝙨𝙚𝙩 𝙫𝙖𝙡𝙪𝙚 𝙢𝙖𝙮 𝙝𝙖𝙫𝙚 𝙝𝙞𝙜𝙝𝙚𝙧 𝙫𝙤𝙡𝙖𝙩𝙞𝙡𝙞𝙩𝙮 𝙙𝙪𝙚 𝙩𝙤 𝙞𝙩𝙨 𝙣𝙖𝙧𝙧𝙤𝙬𝙚𝙧 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩 𝙛𝙤𝙘𝙪𝙨 (𝙥𝙧𝙞𝙢𝙖𝙧𝙞𝙡𝙮 𝙞𝙣 𝙂𝙤𝙡𝙙 (𝙖𝙨 𝙙𝙚𝙛𝙞𝙣𝙚𝙙 𝙞𝙣 𝙩𝙝𝙚 𝙥𝙧𝙤𝙨𝙥𝙚𝙘𝙩𝙪𝙨)), 𝙬𝙝𝙚𝙣 𝙘𝙤𝙢𝙥𝙖𝙧𝙚𝙙 𝙩𝙤 𝙛𝙪𝙣𝙙𝙨 𝙬𝙞𝙩𝙝 𝙢𝙤𝙧𝙚 𝙙𝙞𝙫𝙚𝙧𝙨𝙞𝙛𝙞𝙚𝙙 𝙥𝙤𝙧𝙩𝙛𝙤𝙡𝙞𝙤𝙨. 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴 𝘪𝘯𝘷𝘰𝘭𝘷𝘦 𝘳𝘪𝘴𝘬𝘴 𝘪𝘯𝘤𝘭𝘶𝘥𝘪𝘯𝘨 𝘵𝘩𝘦 𝘱𝘰𝘴𝘴𝘪𝘣𝘭𝘦 𝘭𝘰𝘴𝘴 𝘰𝘧 𝘵𝘩𝘦 𝘱𝘳𝘪𝘯𝘤𝘪𝘱𝘢𝘭 𝘢𝘮𝘰𝘶𝘯𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘦𝘥. 𝘓𝘪𝘰𝘯 𝘎𝘭𝘰𝘣𝘢𝘭 𝘐𝘯𝘷𝘦𝘴𝘵𝘰𝘳𝘴® 𝘓𝘪𝘮𝘪𝘵𝘦𝘥 (𝘜𝘌𝘕/ 𝘙𝘦𝘨𝘪𝘴𝘵𝘳𝘢𝘵𝘪𝘰𝘯 𝘕𝘰. 198601745𝘋)
𝘿𝙞𝙨𝙘𝙡𝙖𝙞𝙢𝙚𝙧 - 𝙈𝙖𝙧𝙞𝘽𝙖𝙣𝙠 𝙎𝙞𝙣𝙜𝙖𝙥𝙤𝙧𝙚 𝙋𝙧𝙞𝙫𝙖𝙩𝙚 𝙇𝙞𝙢𝙞𝙩𝙚𝙙
𝘛𝘩𝘪𝘴 𝘢𝘥𝘷𝘦𝘳𝘵𝘪𝘴𝘦𝘮𝘦𝘯𝘵 𝘩𝘢𝘴 𝘯𝘰𝘵 𝘣𝘦𝘦𝘯 𝘳𝘦𝘷𝘪𝘦𝘸𝘦𝘥 𝘣𝘺 𝘵𝘩𝘦 𝘔𝘰𝘯𝘦𝘵𝘢𝘳𝘺 𝘈𝘶𝘵𝘩𝘰𝘳𝘪𝘵𝘺 𝘰𝘧 𝘚𝘪𝘯𝘨𝘢𝘱𝘰𝘳𝘦. 𝘛𝘩𝘦 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘱𝘳𝘰𝘷𝘪𝘥𝘦𝘥 𝘩𝘦𝘳𝘦 𝘪𝘴 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘤𝘪𝘳𝘤𝘶𝘭𝘢𝘵𝘪𝘰𝘯 𝘢𝘯𝘥/𝘰𝘳 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯𝘢𝘭 𝘱𝘶𝘳𝘱𝘰𝘴𝘦𝘴 𝘰𝘯𝘭𝘺, 𝘢𝘯𝘥 𝘴𝘩𝘢𝘭𝘭 𝘯𝘰𝘵 𝘣𝘦 𝘳𝘦𝘨𝘢𝘳𝘥𝘦𝘥 𝘢𝘴 𝘢𝘯 𝘰𝘧𝘧𝘦𝘳, 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯, 𝘴𝘰𝘭𝘪𝘤𝘪𝘵𝘢𝘵𝘪𝘰𝘯 𝘰𝘳 𝘢𝘥𝘷𝘪𝘤𝘦 𝘵𝘰 𝘣𝘶𝘺 𝘰𝘳 𝘴𝘦𝘭𝘭 𝘢𝘯𝘺 𝘱𝘳𝘰𝘥𝘶𝘤𝘵 𝘢𝘯𝘥 𝘴𝘩𝘢𝘭𝘭 𝘯𝘰𝘵 𝘣𝘦 𝘵𝘳𝘢𝘯𝘴𝘮𝘪𝘵𝘵𝘦𝘥, 𝘥𝘪𝘴𝘤𝘭𝘰𝘴𝘦𝘥, 𝘤𝘰𝘱𝘪𝘦𝘥 𝘰𝘳 𝘳𝘦𝘭𝘪𝘦𝘥 𝘶𝘱𝘰𝘯 𝘣𝘺 𝘢𝘯𝘺 𝘱𝘦𝘳𝘴𝘰𝘯 𝘧𝘰𝘳 𝘸𝘩𝘢𝘵𝘦𝘷𝘦𝘳 𝘱𝘶𝘳𝘱𝘰𝘴𝘦. 𝘔𝘢𝘳𝘪 𝘐𝘯𝘷𝘦𝘴𝘵 𝘪𝘴 𝘯𝘰𝘵 𝘢 𝘥𝘦𝘱𝘰𝘴𝘪𝘵 𝘱𝘳𝘰𝘥𝘶𝘤𝘵. 𝘐𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵 𝘱𝘳𝘰𝘥𝘶𝘤𝘵𝘴 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘴𝘶𝘳𝘦𝘥 𝘣𝘺 𝘵𝘩𝘦 𝘚𝘋𝘐𝘊. 𝘈𝘭𝘭 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵𝘴 𝘤𝘰𝘮𝘦 𝘸𝘪𝘵𝘩 𝘳𝘪𝘴𝘬𝘴, 𝘪𝘯𝘤𝘭𝘶𝘥𝘪𝘯𝘨 𝘵𝘩𝘦 𝘳𝘪𝘴𝘬 𝘵𝘩𝘢𝘵 𝘺𝘰𝘶 𝘮𝘢𝘺 𝘭𝘰𝘴𝘦 𝘢𝘭𝘭 𝘰𝘳 𝘱𝘢𝘳𝘵 𝘰𝘧 𝘺𝘰𝘶𝘳 𝘪𝘯𝘷𝘦𝘴𝘵𝘮𝘦𝘯𝘵.
𝗢𝗻𝗲 𝗦𝗵𝗶𝗼𝗸 𝗧𝗵𝗶𝗻𝗴
- Haresh: Telling Is Listening: Ursula K. Le Guin on the Magic of Real Human Conversation
- Terence: Capitalism and Its Critics by John Cassidy
- Natalia: Klara and the Sun by Kazuo Ishiguro
𝗪𝗼𝗿𝗸 𝘄𝗶𝘁𝗵 𝘂𝘀!
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(00:00) Intro
(02:23) Natalia’s 18-year banking journey and why digital banking feels different
(03:42) Why people still hesitate to trust digital banks
(05:58) How traditional banking slowly evolved into digital banking
(07:15) What makes a digital bank different from a traditional one
(09:22) How different generations think about money and self-service banking
(13:06) How Covid changed the way Singaporeans bank
(14:45) Why Singapore is especially suited for digital banking
(15:28) What safeguards protect your money in a digital bank
(16:25) How MariBank builds trust without physical branches
(18:35) Why user experience matters so much in digital banking
(19:10) Why MariBank started offering gold investments
(20:20) How MariBank made gold investing accessible from just $1
(21:38) Why storing physical gold in Singapore matters
(22:48) Why gold still has strong cultural appeal across Asia
(24:37) Can investing ever be made fun
(26:19) How digital banks educate and guide users inside the app
(27:31) How young people should think about gold in a portfolio
(29:24) What has changed most in finance over the past 18 years
(31:44) Why Singapore’s stability adds to gold’s appeal
(33:45) What excites Natalia about the future of digital banking
(34:55) How a digital bank can stay accessible and sustainable
(37:16) How MariBank decides what features to build next
(39:44) The future of real-time and cross-border payments
(41:25) Why digital banking product cycles are moving much faster
(41:49) What it feels like to lead a digital bank as CEO
(42:43) Looking back at how finance has changed over two decades
(49:50) Why Investing Used To Feel So Daunting
(50:36) Why SME Banking Matters Too
(51:40) One Shiok Thing
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