Lazada Malaysia has launched AI Lazzie, an AI shopping assistant powered by OpenAI’s ChatGPT, to enhance the user experience on its platform as the 11.11 sale approaches. AI Lazzie provides users with tailored product recommendations, deals, and curated suggestions based on wishlists and past purchases. Accessible through the Message+ feature on Lazada's app, AI Lazzie will be fully rolled out by the 11.11 sale. Users can also take a personality quiz to discover their shopping “spirit animal” — such as a llama or fennec fox — which grants a unique LazCash voucher code redeemable through Message+. Virtual try-on models are another new feature, allowing users to visualise clothing on virtual models, streamlining the shopping experience for customers and reducing costs for sellers. In October, Lazada released a whitepaper on AI adoption in Southeast Asian e-commerce . The study, conducted with Kantar, surveyed over 6,000 users across Southeast Asia and found that 88% of shoppe
While I'm planning for this year financial goal, I realized that there are certain rules for personal financial management which won't go wrong to almost everyone and at any situation. In fact, I found that these rules are so real and these rule are so simple that we all know deep inside of us, but whether we can apply those rules in our life will be another story.
Well, the first and most basic rule of personal financial management is to spend less than what you earn. When we look at this rule, we would have think, "Oh come on, everyone knows this". True, spend less than what you earn makes much sense as we cannot spend the money that we don't have - provided we do not own a credit card. Once you have a credit card, it is very easy and tempting to spend more than what you can earn, and before you realized, you have already swiped up to the credit limit, which can be up to two to three times of your monthly salary for most cases.
Spend less than what you earn is the most fundamentals rule for personal financial management and in fact, if you are getting the advices from almost every financial planner or financial gurus or even wealth manager, this is something that you are most likely going to get because it is true and most fundamental. Successfully applying and mastering this rule will lead to one to be debt free and having extra money for savings and investments.
Well, the first and most basic rule of personal financial management is to spend less than what you earn. When we look at this rule, we would have think, "Oh come on, everyone knows this". True, spend less than what you earn makes much sense as we cannot spend the money that we don't have - provided we do not own a credit card. Once you have a credit card, it is very easy and tempting to spend more than what you can earn, and before you realized, you have already swiped up to the credit limit, which can be up to two to three times of your monthly salary for most cases.
Spend less than what you earn is the most fundamentals rule for personal financial management and in fact, if you are getting the advices from almost every financial planner or financial gurus or even wealth manager, this is something that you are most likely going to get because it is true and most fundamental. Successfully applying and mastering this rule will lead to one to be debt free and having extra money for savings and investments.
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