Simon J. Littlewood has been advising businesses worldwide on growth and cash flow for more than 35 years. Simon is an Oxford Philosophy Graduate who has written for numerous business magazines and periodicals including the Economist. Based in Singapore, he is known to many in Asia for his morning broadcasts on the BBC World Service, which has an estimated global audience of 70 million in nearly 40 countries.Mark Laudi is a communications consultant, and radio and financial television current affairs show host. Between 1999 and 2006, he anchored and produced regional network television business news programs at CNBC Asia Pacific. Prior to that, he hosted news programs at MediaCorp in Singapore, and was a member of the inaugural production and presentation team of talk radio station CNA938.Simon and Mark run RIABU, the Singapore-based social fintech that helps SMEs get their invoices paid on time. Most recently, RIABU called on Singapore’s largest companies to pay invoices issued by their SME suppliers within 30 days, to help them survive the Covid-19 slowdown.