Singapore and Hong Kong are often perceived as cities which feel a sense of competition with each other. And in one respect at least, Singapore is losing out. Xero, an accounting software company, revealed that US$3 billion worth of bills were unpaid to SMEs in Singapore, compared to Hong Kong's US$1.7 billion. Why might this be the case, and what can be done to help SMEs receive their payments more punctually? RIABU’s Simon Littlewood and Mark Laudi have some ideas. Read more about this topic here.