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          • Cision PR Newswire
          • Coupons – Best websites
            • Aeromexico Rewards Chart
            • Get Avios Points Free
        • Today Bitcoin Price at $6,800 USD
        • Pandemic Is Changing BTC Usage in ‘Unexpected Ways’
        • Macropay on Alternative & local payment methods that are reshaping global e-commerce
        • Bank of America is preparing for a flood of Applications to Small-Business Loan
        • Microsoft might be the best tech stock in this market
        • US Airlines To Work Collectively, Consolidate Flights
        • Bank of America maintaining business continuity and protecting the bottom line
        • US long-term mortgage rates drop
        • Bitcoin Price Bulls have been rejected at $7,000
        • Stock Market: 4 Top Stock Trades for Wednesday: NVDA, AVGO, BAC, IQ
        • Stock Market April 2 – Edge Higher; Oil Surges, Bonds Fall, Dollar Rose
        • Chase bank will raise up to $10 billion
          • Bitcoin Price Simply Surged to $6,500 After Over 10% Weekend Crash
          • Today Bitcoin Price at $7,000: BTC Leaps to Retest $7,000
          • Bank of America agreed to allow 50,000 mortgage customers to defer payments
        • Bitcoin Price Prediction April: Three Key Causes Why BTC May Plunge Beneath $5,000
          • Roll up the Sleeves! American Airlines was down -10.34%
          • Mortgage calculator rates today April 2, 2020
          • Mortgage Calculator Small businesses: SB have ‘a million inquiries’ regarding check help loans
          • Bitcoin Price Today April 1 – Bitcoin Takes Tumble
            • With Bank of America card you can request a payment deferral online
              • Bank of America fields 150,000 installment deferral demands
            • Coronavirus – Travel Insurance no cover cancellations
              • Bank of America said it won’t cut any positions
          • Bitcoin Price Today April 2 – BTC rise to $6,700
          • Mortgage calculator rates today March 31, 2020
          • Bitcoin Price Momentum Sign Reverses, Bull Run Lastly Inbound?
          • Bitcoin Price Recovering After a Sharp Decline
          • Fintech News Airbnb – How hosts are fighting back against Covid-19 fallout
          • Market Stock Boeing – Challenging Times Ahead for Boeing Stock
        • Bank of America U.S. Minimum Hourly Wage Reaches $20
          • Bitcoin Price Bulls – is Forming a Bull Cross After Rallying to $6,500
          • P2P Crowdlending – Average Interest Rate 18%
          • $633 Million BTC Transferred For Simply $0.26 Payment
        • Prime ICO Advertising and marketing Companies
        • Bank of America will provide up to $250 million
        • Bank of America VC: You tend to do the wrong thing at the wrong time
          • Bitcoin Price Jump as Coronavirus Curve Begins to Flatten
            • Bitcoin Price Today April 3
            • Bitcoin Price Is Sometimes Bullish in Q2
            • Bitcoin Price Tumble Beneath $ 6,000
            • BTC Price Today 5 | April, 2020
            • Bitcoin Price and S&P 500 – Here’s how much bitcoin beat the Dow and S&P 500 in the first quarter
              • Today Bitcoin Price at $6,600
                • Bitcoin Price Bulls Reaches: “Live or Die”
                • BTC Price Today | 6 April 2020
          • Bank of America sees big year for Microsoft ahead
            • American Airlines coronavirus downgrade
              • Bitcoin Price Rejected $6,600
              • Bitcoin Price Trace It Will Fall to $ 5 K
              • BTC Price Today April 4
                • Stock Market Today 31 March, 2020
              • US Bank Raises $586M Against COVID-19
                • Bank of America’s Solid Liquidity to Help Covid-19 Crisis
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      • Mortgage calculator rates today April 1, 2020
      • Mortgage Calculator – Students Benefits
      • Mortgage Calculator – Homeowners and renters Get Payment Relief
      • Calculator for mortgage to millennials
      • Mortgage Calculator Modification – What Is?
      • Mortgage Calculator Canada: Rates Are Rising
      • Mortgage Calculator Home – Is it time to repair your own home mortgage?
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      • Mortgage Calculator Coronavirus: UK mortgage market goes into lockdown
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            • Bitcoin Price Volume Decline with Lowering Volatility
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        • Mortgage rates today, April 3, 2020 plus reviews
          • cmc currency details
            • cmc exchange details
              • Shortcodes
        • Microsoft Vulnerability: Hundreds of Microsoft Servers Contaminated By Crypto-Mining Botnet Since 2018
          • Cision PR Newswire
          • Coupons – Best websites
            • Aeromexico Rewards Chart
            • Get Avios Points Free
        • Today Bitcoin Price at $6,800 USD
        • Pandemic Is Changing BTC Usage in ‘Unexpected Ways’
        • Macropay on Alternative & local payment methods that are reshaping global e-commerce
        • Bank of America is preparing for a flood of Applications to Small-Business Loan
        • Microsoft might be the best tech stock in this market
        • US Airlines To Work Collectively, Consolidate Flights
        • Bank of America maintaining business continuity and protecting the bottom line
        • US long-term mortgage rates drop
        • Bitcoin Price Bulls have been rejected at $7,000
        • Stock Market: 4 Top Stock Trades for Wednesday: NVDA, AVGO, BAC, IQ
        • Stock Market April 2 – Edge Higher; Oil Surges, Bonds Fall, Dollar Rose
        • Chase bank will raise up to $10 billion
          • Bitcoin Price Simply Surged to $6,500 After Over 10% Weekend Crash
          • Today Bitcoin Price at $7,000: BTC Leaps to Retest $7,000
          • Bank of America agreed to allow 50,000 mortgage customers to defer payments
        • Bitcoin Price Prediction April: Three Key Causes Why BTC May Plunge Beneath $5,000
          • Roll up the Sleeves! American Airlines was down -10.34%
          • Mortgage calculator rates today April 2, 2020
          • Mortgage Calculator Small businesses: SB have ‘a million inquiries’ regarding check help loans
          • Bitcoin Price Today April 1 – Bitcoin Takes Tumble
            • With Bank of America card you can request a payment deferral online
              • Bank of America fields 150,000 installment deferral demands
            • Coronavirus – Travel Insurance no cover cancellations
              • Bank of America said it won’t cut any positions
          • Bitcoin Price Today April 2 – BTC rise to $6,700
          • Mortgage calculator rates today March 31, 2020
          • Bitcoin Price Momentum Sign Reverses, Bull Run Lastly Inbound?
          • Bitcoin Price Recovering After a Sharp Decline
          • Fintech News Airbnb – How hosts are fighting back against Covid-19 fallout
          • Market Stock Boeing – Challenging Times Ahead for Boeing Stock
        • Bank of America U.S. Minimum Hourly Wage Reaches $20
          • Bitcoin Price Bulls – is Forming a Bull Cross After Rallying to $6,500
          • P2P Crowdlending – Average Interest Rate 18%
          • $633 Million BTC Transferred For Simply $0.26 Payment
        • Prime ICO Advertising and marketing Companies
        • Bank of America will provide up to $250 million
        • Bank of America VC: You tend to do the wrong thing at the wrong time
          • Bitcoin Price Jump as Coronavirus Curve Begins to Flatten
            • Bitcoin Price Today April 3
            • Bitcoin Price Is Sometimes Bullish in Q2
            • Bitcoin Price Tumble Beneath $ 6,000
            • BTC Price Today 5 | April, 2020
            • Bitcoin Price and S&P 500 – Here’s how much bitcoin beat the Dow and S&P 500 in the first quarter
              • Today Bitcoin Price at $6,600
                • Bitcoin Price Bulls Reaches: “Live or Die”
                • BTC Price Today | 6 April 2020
          • Bank of America sees big year for Microsoft ahead
            • American Airlines coronavirus downgrade
              • Bitcoin Price Rejected $6,600
              • Bitcoin Price Trace It Will Fall to $ 5 K
              • BTC Price Today April 4
                • Stock Market Today 31 March, 2020
              • US Bank Raises $586M Against COVID-19
                • Bank of America’s Solid Liquidity to Help Covid-19 Crisis
  • Lifestyle
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          • Is Roblox shutting down? Vs. Robox will be listed NYSE
      • Music
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    • Luxury
      • Most Expensive Watches
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      • Best Luxury SUVs for 2020
      • Porsche
      • Luxury Yatchs
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      • Best Electric Cars
      • Best Luxury Yoga Retreats
      • The Best Luxury Sports Cars
      • Best Time to Buy a Car
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        • Direct Payments in coronavirus
    • Tech
      • iPhone 12
  • Banking
    • Banks “Best of…”
      • Best Online Banks of 2020
      • Best Bank for Home Loans 2020
      • Best Bank for FHA Loan of 2020
      • Best Bank Interest Rates March 2020
      • Best Bank Promotions and Bonuses 2020
      • Best Online Checking Accounts of 2021
      • Best Money Market Accounts of 2020
      • Best CD Rates of 2020
      • Best Online Savings Accounts of February 2020
      • Best KYC Solutions 2020
      • 7 Best Mobile Banking App 2020
    • Banks Guides
      • KYC Verification: How it is Done?
      • Personal Finances in Coronavirus
      • 6% cd rates – They Exists ?
    • Transfer Money Online
      • Send Money Online
      • Best App To Send Money Online
    • Mobile Banking
    • Digital Bank
      • JPMorgan Chase
      • Capital One
      • Royal Bank of Canada
      • Royal Dutch Shell
      • Chase Online
      • Western Union
  • Credit Cards
    • Credit Cards “Best of…”
      • Capital One Credit Card – Best Cards of 2020
      • Best Credit Cards for Students 2020
      • Best Airline Credit Card 2020
      • Best Gas Rewards Credit Cards of 2020
      • Best hotel credit cards for 2020
      • Best Cash Back Credit Cards 2020
      • Best Travel Credit Card 2020
      • Best No Annual Fee Credit Cards 2020
      • Best Secured Credit Cards 2020
      • Best Credit Cards for Bad Credit 2020
      • Best Rewards Credit Card 2020
      • Best 0% APR Credit Cards of February 2020
      • The Best Credit Card for Balance Transfers 2020
      • Best Buy Credit Card 2020
      • Best Credit Cards of July 2020
      • 11 Best Prepaid Debit Cards of 2020
      • Best Business Credit Cards 2020
    • Cards
      • American Express
      • Lowe’s Credit Card
      • Get Revolut Card + £50
      • Qantas Credit Card
      • Chase Credit Card
      • Coles Mastercard
      • Capital One
      • Home Depot Credit Card
    • Credit Cards Guides
      • How many credit cards should I have?
      • Is Discover Visa or Mastercard?
    • Credit Cards Reviews
      • First Premier Credit Card Review
      • Fortiva Credit Card Review
      • Indigo Credit Card Review
      • Wells Fargo Propel – Review
      • Walmart Money Card – Review
      • Credit One Credit Card Review
      • Discover it® Cash Back – Review
      • Travel credit card reviews 2020
      • Petal Credit Card Review
      • Apple Credit Card Review
      • Capital One Venture Rewards Credit Card Review
      • Amazon Credit Card Review
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      • Joe Biden
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      • Scott Morrison
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  • Mortgages
    • Mortgage “Best of…”
      • Best Mortgage for Low Down Payment 2020
      • Best Mortgage Rates
      • Best VA Mortgage Lenders of 2020
      • Greatest On-line Mortgage Lenders
      • The Best Mortgage Lenders for First Time Home Buyers
    • Mortgage Calculators
      • Mortgage calculator rates today April 1, 2020
      • Mortgage Calculator – Students Benefits
      • Mortgage Calculator – Homeowners and renters Get Payment Relief
      • Calculator for mortgage to millennials
      • Mortgage Calculator Modification – What Is?
      • Mortgage Calculator Canada: Rates Are Rising
      • Mortgage Calculator Home – Is it time to repair your own home mortgage?
      • Mortgage Calculator
      • Mortgage Calculator Rates Today April 3
      • Mortgage Calculator Online
      • Mortgage Calculator Coronavirus: UK mortgage market goes into lockdown
    • Mortgage Guides
      • Lending
      • How Mortgage Forbearance Works Under CARES Act
      • Stimulus Check
    • Mortgage Companies
      • Nationstar Mortgage
      • Roundpoint Mortgage
      • Midland Mortgage
      • Simple Mortgage Calculator
      • Freedom Mortgage
      • SunTrust Mortgage
  • Commodities
    • Energy
      • WTI Oil Prices
      • Brent Crude
      • Crude Oil
    • Agricultural Products
      • Corns
    • Livestock & Meat
      • Lean Hogs
    • Precious Metals
      • Platinum
      • Gold
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Digitalisation and Mental Property within the time of COVID-19

Oliver Smith by Oliver Smith
August 27, 2020
in Payment Systems
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Home » Digitalisation and Mental Property within the time of COVID-19

Predictions about digitalisation – the fourth industrial revolution – and how it will transform our world have been circulating for some time. The move to digital, facilitated by Artificial Intelligence (AI), big data, automation and advances in computing power and greater connectivity, promises to change how and where we work, play, consume and interact forever. (1)

Prior to the COVID-19 pandemic, the speed of change had already been expected to be significant. The rollout of 5G, AI and big data was predicted to bring about more disruptive change in the next five years than any technology had done in the past 30.  With over 60% of global GDP expected to be digitised by 2022, an estimated 70% of new value created in the coming decade is forecast to be based on digitally-enabled platforms.

COVID-19 has accelerated that process beyond the most ambitious predictions. It has, by one estimate, compressed five years of progress within the space of three months. (2) Lockdowns across the world have propelled our social interaction and cultural consumption almost entirely into the digital sphere.

Digital businesses like e-commerce, fintech, online working and entertainment platforms, have benefitted during this period. Technology firms have seen their value skyrocket; Zoom, the remote working platform, for example, saw its share price more than double in the period January to May, and both Zoom and Slack together have added US$50 billion to their market capitalisation this year.

Digitalisation of traditional sectors such as banking, retail, health, education and manufacturing is the wider noteworthy effect of the pandemic. Businesses that were able to pivot quickly online and which had undergone digital transformation earlier have been better able to deal with the disruption, whilst those that had not fared less well. From remote workforce management, digital service delivery, e-commerce and contactless payment and delivery, to digitalised inventory management and remote track and trace systems in supply chain logistics, the COVID19 pandemic has reinforced the value of digital transformation to business.

Asian countries such as South Korea, Singapore and China have been able to mitigate large-scale economic disruption in the face of the closure of physical facilities such as banks, shops, and restaurants due to their advanced levels of digital connectivity. In China, widespread use of e-payment systems such as Alipay and WeChat, by 85% of the population, together with data-driven provisioning from logistics and distribution platforms allowed cities such as Wuhan and Shanghai to operate with minimal disruption. (3)

The new digital normal: opportunities and challenges

As digital increasingly becomes the new normal, many businesses will want to maintain many of the digital aspects of their COVID-19 pivot. Others will be looking to bring forward their plans for more comprehensive digital transformation.

With a number of surveys showing that 20% of customers intend to increase their use of digital banking services post COVID-19, solutions such as the digital “contact-free” trade financing capabilities introduced by Singapore’s DBS bank that minimise the need for physical paperwork will only accelerate the future of branchless banking. (4)

In Singapore, there has been a reported 20% rise year-on-year in businesses undergoing digital transformation since the COVID-19 pandemic, and a record number of new businesses signing up to e-commerce platforms with the support of  government booster programmes and grants. (5) A recent survey of Chinese companies showed that the majority of those surveyed intended to increase their investments in digital by 10-30%. (6) Integrated delivery and digital payments platforms such as Grab that have made it possible for street food vendors and wet market vendors in Asia to survive during the COVID-19 pandemic. These are likely to retain their popularity as the advantages of data analytics and the additional market reach it provides users and businesses become evident. (7)

Digitalisation can also spur innovation as businesses search for solutions to the current challenges posed by COVID-19. Industries that have found it hardest to adapt because of the face-to-face nature of their products and services such as live entertainment, traditional media, hospitality and sports events, may be forced to develop radically innovative ways of delivering their services online to survive.

As Lam Chung Niam, Head of Intellectual Property Law at Singapore law firm Wong Partnership noted, “even in a period of such challenge and adversity, businesses and governments alike can be on the look-out for how digitisation, technology and Intellectual Property (IP) can provide opportunities for innovation, and the regulatory framework can evolve and be responsive to facilitate the adoption of new technology models.”

Business and intellectual property in the digital age

The digital realm amplifies brand value; at the same time it makes IP more vulnerable to theft through greater ease of counterfeit and copying. Understanding the value of their IP assets and ensuring they are adequately protected will be essential for businesses going digital. As Lau Kok Keng, Head of Intellectual Property Law at Rajah and Tann, another Singapore law firm, noted, the higher incidence of partnership working required by the development of digital assets means that businesses need to ensure that the IP rights created in the process of going online are “properly assigned to the business to avoid any conflicting IP ownership claims.”

He noted that “digitalisation and IP come hand in hand. Governments should encourage businesses to embark on digitalisation, and should not only offer funding, but also make it easier for businesses to protect the IP rights created in the process of digitalisation. In this regard, IPOS’ initiative for a patent acceleration program to expand support for innovation to all sectors is a step in the right direction.”

The Intellectual Property Office of Singapore (IPOS) plays an instrumental role in the Singapore Government’s comprehensive drive to support the digitalisation of businesses. In actively engaging businesses through a range of online tools, training programmes and apps to facilitate fast track filing processes, IPOS itself has been recognised as an exemplar of digital innovation. Since being ranked the most innovative IP office globally by the World Trademark Review in January 2020, IPOS has achieved a world first by enabling IP disputes to be resolved entirely online in response to restrictions placed by COVID-19. The impact of COVID-19 on the way creators and innovators protect and monetise their IP, like copyright and brands, in the digital space will be discussed at IP Week @ SG 2020 from 25-27 August 2020.

Margaret Vestager, EU Competition Commissioner once said, there are only two types of business: those that are digital and those that soon will be. The pandemic has been a wake-up call to businesses that have been slow to embrace digitalisation and to commercialise their intangible assets. As digitalisation speeds to the fore of the global economy, that call is only likely to become more urgent.

(1) This article has benefitted greatly from email exchanges with Lam Chung Nian and Lau Kok Keng of Wong Partnership Singapore and Rajah and Tann Singapore.

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