ZhiZhi Gewu

Lease Decay

In Singapore's property market, properties are classified into two categories: leasehold and freehold.

Sep 7 • 

KY John

August 2025

One Model to Rule Them All? Finding the Cracks in Your Global Credit Model

There's an ongoing debate about whether multiple specialized models or a single global model is better for credit risk modeling.

Aug 26 • 

KY John

5 Reviews at 99% vs. 1000 Reviews at 90%: Which Seller is Better?

Motivation

Aug 10 • 

KY John

My Incomplete Mental Models on Thinking About A Business

Countless mental models exist for dissecting a business, but theory is cheap.

Aug 3 • 

KY John

July 2025

The Trap of Belief: Why We Get Stuck in Our Ways and How Our Brains Resist Reality

Have you ever wondered why some people—or even yourself—can't seem to change their minds, no matter how much evidence is presented?

Jul 27 • 

KY John

Encouragement or Punishment? Why That's Not the Whole Story

Motivation

Jul 18 • 

KY John

Reflections from Hackathon@Sea 2025: The Gap Between AI Agent Hype and Reality

This past weekend, I participated in Hackathon@Sea 2025, an internal event hosted by my company.

Jul 13 • 

KY John

Sharpening the Lens: How I Reclaimed My Information Diet with RSS

Every day, we’re faced with a firehose of information.

Jul 5 • 

KY John

June 2025

When Can You Realistically Expect to Outperform the Average?

I tend to feel unconfident in my opinions.

Jun 21 • 

KY John

Echoes of Our Minds: How AI is Learning to Think Like Humans

Lilian Weng's recent article, "Why We Think", provides an excellent overview of the current state-of-the-art in AI reasoning.

Jun 1 • 

KY John

May 2025

Under the Hood of AI Timelines: How the AI 2027 Forecast is Made

While forecasting how AI will impact my career in Consumer Lending Credit Risk Management (Article Link), I explored the timeline forecast methodology…

May 24 • 

KY John

AI and the Future of Personalized Education: A Paradigm Shift in Learning

Recently, I've been exploring the theory of computation.

May 18 • 

KY John