I believe that you have to be more courageous, and not to have any defeatist attitude.
Go ahead, take the necessary steps to say hello to her, or say something like, "Very often, I see you on the same MRT train. My name is xyz. Do you wish to meet for a cup of coffee, or for a meal?"
Consider, getting off at the same station as her, in order to facilitate small talk, and exchange telephone numbers.
If you assume the worst, then, try to chat her up.
If she does not respond to you, or it does not lead to anything in your favour, then consider other ladies, or take another coach (are there 6 coaches for each MRT train?), on the same train.
You have to be more confident.
I hope that you are dress in neat, ironed office attire (shirt and pants).
The colour of your socks match your pants (do not wear white socks with office pants).
Clean your shoes, and polish your shoes (no m&d stains on the shoes, the heels, and the sides.
Get a hair cut, shave, and get a dental check up, scaling, cleaning and polishing.
Please brush your teeth and floss your teeth, on the mornings that you intend to speak to her.
Please consider, not to use after shave, or men's fragrance.
Hopefully, you will consider and implement my suggestions.
GOOD LUCK.