{"id":2830,"date":"2025-05-19T10:03:10","date_gmt":"2025-05-19T02:03:10","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2830"},"modified":"2025-05-19T10:03:10","modified_gmt":"2025-05-19T02:03:10","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e6%9c%aa%e6%9d%a55%e5%b9%b4%e9%a2%84%e6%b5%8b%e4%b8%8e%e6%9c%ba%e9%81%87","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/19\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e6%9c%aa%e6%9d%a55%e5%b9%b4%e9%a2%84%e6%b5%8b%e4%b8%8e%e6%9c%ba%e9%81%87\/","title":{"rendered":"Malaysian Payments Forecast and Opportunities for the Next 5 Years"},"content":{"rendered":"<h1>Malaysian Payments Predictions and Opportunities for the Next 5 Years: The New Financial Landscape under Digital Transformation<\/h1>\n<h2>Introduction: Overview of the Current State of the Malaysian Payments Market<\/h2>\n<p>Malaysia, the third largest economy in Southeast Asia, is in a phase of rapid change in its payments market. As of 2023, Malaysia has more than 20 million e-wallet users, accounting for more than 60% of the country's population. The fintech blueprint and digital banking licence issuance driven by Bank Negara is reshaping the industry landscape. This article provides an in-depth analysis of the trends, key technological breakthroughs and market opportunities in the Malaysian payments sector over the next five years (2024-2028).<\/p>\n<h2>Part I: Trends in technology-driven payments innovation<\/h2>\n<h3>1.1 Accelerated standardisation and penetration of QR payments<\/h3>\n<p>The Malaysia Quick Response Code Standard (MQR), led by Bank Negara Malaysia, will achieve full coverage in the next five years. It is expected that by 2026, merchants with more than 90% will support the MQR payment system, removing the current interoperability barriers between different e-wallets. The interoperability of cross-border QR code payments will be the focus of regional cooperation.<\/p>\n<h3>1.2 Deep integration of biometric authentication technologies<\/h3>\n<p>Adoption of fingerprint, facial and voice recognition technologies for mobile payments will increase from the current 45% to 80%. In particular, AI-based behavioural biometric authentication (e.g., typing rhythms, swipe patterns) will enhance transaction security while optimising the user experience.<\/p>\n<h3>1.3 Functionality extensions to the DuitNow instant money transfer system<\/h3>\n<p>DuitNow will be further upgraded as a national real-time retail payment system:<\/p>\n<ul>\n<li><strong>Cross-platform integration<\/strong>: Connection of all bank accounts and e-wallets<\/li>\n<li><strong>value-added service<\/strong>Support bill instalment, investment and wealth management, etc.<\/li>\n<li><strong>enterprise application<\/strong>: Enhancement of Instant Clearing Capability for Large B2B Transactions 300%<\/li>\n<\/ul>\n<h2>Part II: Analysis of the evolution of the policy and regulatory environment<\/h2>\n<h3>2.1 Forecast of Impact of Amendments to the Financial Services Bill<\/h3>\n<p>Regulatory updates expected to be completed by 2025 will be highlighted:<\/p>\n<pre><code class=\"language-mermaid\">pie<br>\r\n    title Percentage of Focus Areas for Amendments to the Financial Services Bill<br>\r\n    \"Cross-border data flow norms\": -25-<br>\r\n    \"Regulatory framework for digital assets\": -20-<br>\r\n    \"Consumer protection mechanisms\": -30-<br>\r\n    \"Anti-Money Laundering Technical Standards\": -25-<br>\r\n<\/code><\/pre>\n<h3><em>Table:Key Regulatory Timeline Projections<\/em><\/h3>\n<table>\n<thead>\n<tr>\n<th>vintages<\/th>\n<th>Key policy milestones<\/th>\n<th>Impact level on the industry<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2024<\/td>\n<td>Full operating licence issued for digital banking<\/td>\n<td>\u2605\u2605\u2605\u2605\u2605<\/td>\n<\/tr>\n<tr>\n<td>2025<\/td>\n<td>Central Bank Digital Currency (CBDC) Pilot Launched<\/td>\n<td>\u2605\u2605\u2605\u2605\u2606<\/td>\n<\/tr>\n<tr>\n<td>2026<\/td>\n<td>Mandatory standards for open API implementation come into effect<\/td>\n<td>\u2605\u2605\u2605\u2606\u2606\u2606<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><em>Part III<\/em>Segment growth opportunities tapped*<\/h2>\n<h4><em>3.1_Blue Ocean of Digital Acquiring for MSMEs<\/em><\/h4>\n<p>Only 38% of MSMEs currently use smart POS terminals__ Expected CAGR 27% - Key demand points include.<br \/>\n- All-in-one collection device integrated inventory management<br \/>\n- Dynamic exchange rate settlement function<br \/>\n- Supply Chain Finance Interface<\/p>\n<h5>__3.2__ Buy Now Pay Later (BNPL)<em>ecological construction<\/em><\/h5>\n<p>The market size will increase from<x-equation>300 million to<\/x-equation>1.5 Billion Key Success Factors.<br \/>\n\u2713 Credit scoring model localisation adaptability<br \/>\n\u2713 Offline Scene Penetration Reaches 60%+<br \/>\n\u2713 Risk-sharing mechanisms with traditional financial institutions<\/p>\n<h6>__<em>Part IV___ Breakthroughs in cross-border payments<\/em><\/h6>\n<p>4G International Remittance Cost Reduction Roadmap.<\/p>\n<p><code>vintages<\/code> \u2192 <code>Average rate<\/code> \u2192 <code>Main technical levers<\/code><br \/>\n\u202520\u339e24...\u2192\u202535%\u2193...\u2192\u2025Blockchain Clearing Network<br \/>\n20\u339e26...\u2192\u202518%\u2193...\u2192\u2025AI Compliance Automation<br \/>\n\ufe5220\u339e28...\u2192\u20258%\u2193......\u2192Quantum Encryption Channel<\/p>\n<p>Special focus on the changes brought about by the upgraded ASEAN Free Trade Area in China.<br \/>\n\u26a0\ufe0f RMB-Ringgit direct trading volume doubles<br \/>\n\u26a0\ufe0f Demand for embedded FX tools for e-commerce platforms surges<\/p>\n<p>Part V Risk Challenges Response Strategies<\/p>\n<p>\u25b7 Cybersecurity Threat Matrix Assessment (in order of probability of occurrence).<br \/>\n\u2460Phishing attack forged official payment page [P=0]42]<br \/>\n\u2461 SIM Swap Fraud [P=0].31]<br \/>\n\u2462 Cloud Services API Vulnerability Exploitation [P=0].19]      \t<\/p>\n<p>Recommended Defence Layer Architecture\u25bc<br \/>\n\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510<br \/>\n\u2502 Application layer: TEE Trusted Execution Environment \u2502<br \/>\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524<br \/>\n\u2502 Transport Layer:Post Quantum Cryptography \u2502<br \/>\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518<\/p>\n<p>Conclusion Recommendations for strategic action<\/p>\n<p>Three priorities for practitioners\u25ba<br \/>\n\u2776 Immediate investment in MQR+ infrastructure compatibility modifications<br \/>\n\u2777 Reserve CBDC-related technical talent (Hire\/upskill&gt;)<br \/>\n\u2778 Pre-preparation of application for SVF (Specified Vehicle for Payment) licence<\/p>\n<p>Data sources for this article include BankNegara annual reports, FitchSolutions industry reports and first-hand interviews with the authors_Regularly updated version of our SEO optimisation page_[Keyword Density Control at 7\u2030]_<\/p>\n<h2>Part VI: Emerging Payment Scenarios and User Behaviour Changes<\/h2>\n<h3>6.1 Embedded finance driven by social e-commerce<\/h3>\n<p>The volume of payment transactions within social platforms in Malaysia is expected to grow by 400% by 2028, with key development features including:<\/p>\n<ul>\n<li><strong>Instant billing for live shopping<\/strong>: Anchor Split System for T+0 Clearing<\/li>\n<li><strong>Community Grouping Smart Contracts<\/strong>: Automatic triggering of payment and refund mechanism for full tours<\/li>\n<li><strong>KOL Credit Endorsement Payment<\/strong>: Netflix exclusive instalment programme<\/li>\n<\/ul>\n<h3>6.2 Sensorless Payment Breakthrough in Transportation Scenarios<\/h3>\n<pre><code class=\"language-mermaid\">graph TD.<br>\r\n    A[Motorway ETC 3.0] --&gt; B(licence plate recognition deduction).<br>\r\n    C [face-to-face underground access] --&gt; D (dynamic adjustment of account balances).<br>\r\n    E [Charging Post IoT Payment] --&gt; F (Pre-authorised settlement based on electricity consumption)<br>\r\n<\/code><\/pre>\n<h3><em>Table:Travel Payment Penetration Forecast (%)<\/em><\/h3>\n<table>\n<thead>\n<tr>\n<th>take<\/th>\n<th>2024<\/th>\n<th>2026<\/th>\n<th>2028<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>bus scanning code<\/td>\n<td>58<\/td>\n<td>82<\/td>\n<td>95<\/td>\n<\/tr>\n<tr>\n<td>Sensorless access to car parks<\/td>\n<td>33<\/td>\n<td>67<\/td>\n<td>89<\/td>\n<\/tr>\n<tr>\n<td>Deposit-free rental of shared equipment<\/td>\n<td>41<\/td>\n<td>-73<\/td>\n<td>-91<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><em>Part VII<\/em>Critical nodes for infrastructure upgrading*<\/h2>\n<h4><em>7.1_5G + Edge Computing Enablement<\/em><\/h4>\n<p>- Transaction latency reduced from 800ms to less than 50ms<br \/>\n- Micro POS Terminal Manufacturing Cost Reduction 60%<br \/>\n- Offline payment synchronisation success rate increased to 99.%<\/p>\n<h5><strong>7.2__ Cloud Native Core System Refactoring<\/strong><\/h5>\n<p>Three Directions for Transformation\u25bc<br \/>\n\u2713 Containerised deployment reduces new service go-live cycle to 72 hours<br \/>\n\u2713 Multi-cloud architecture enables disaster recovery RPO &lt;15 seconds<br \/>\n\u2713 Real-time risk control engine with a processing capacity of 500,000 TPS<\/p>\n<h6>__<em>Part VIII___ Digital Currency Evolutionary Paths<\/em><\/h6>\n<p>Central Bank Digital Currency (CBDC) Three-Phase Implementation Plan.<br \/>\nPhase \u2160 (24Q3): Wholesale interbank clearing pilot<br \/>\nPhase II (26Q1): Retail Government Welfare Delivery<br \/>\nPhase III (27Q4): Smart Contract Programmable Currency<\/p>\n<p>Private Stablecoin Regulatory Sandbox Areas of Focus \u25c9<br \/>\n\u29bf Transparent audit mechanism for reserve assets<br \/>\n\u29bf Limit management of cross-border flows<br \/>\n\u29bf Anti-anonymisation technical compliance<\/p>\n<p>Part IX Talent Strategy and Ecological Synergy<\/p>\n<p>\u25b7Top 5 jobs in short supply for the next five years.<br \/>\n\u2460 Blockchain Compliance Specialist [2,300 shortfall]<br \/>\n\u2461 Biometrics Algorithm Engineer [1,800 shortfall]<br \/>\n\u2462 Cross-border Settlement Product Manager [1500 shortfall]      \t<\/p>\n<p>Recommended programme for the integration of industry and education \u25c8<br \/>\n\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510<br \/>\n\u2502Establishment of the Digital Payment Certification System (DPCS) \u2502<br \/>\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524<br \/>\n\u2502Dual Tutor Training Programme between Universities and Enterprises \u2502<br \/>\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518<\/p>\n<p>Part X Investment Hot Spot Mapping Analysis<\/p>\n<p>Capital Attention Index Rankings\u25ba<br \/>\n\ud83d\udd3aTier 1:BNPL Risk Control SaaS Solution<br \/>\n\ud83d\udd3aTier 2: Muslim-friendly payment instruments<br \/>\n\ud83d\udd3aThird Tier:Industrial Internet Supply Chain Finance<\/p>\n<p>Risk Warning \u26a0\ufe0f need to be wary of three major bubble areas: the<br \/>\n\u26ab Over-reliance on subsidised e-wallet operators<br \/>\n\u26ab Aggregate payment platforms without SVF licence<br \/>\n\u26ab Meta-universe payments that lack practical application scenarios<\/p>\n<p>[Ongoing Optimisation Recommendations] Update the industry data dashboard on a monthly basis, focusing on monitoring the following indicator fluctuations\u25bc<br \/>\n\u25aa\ufe0fDuitNow Average Daily Transaction Growth Rate<br \/>\nMonthly net increase in the number of \u25aa\ufe0f QR code accepting merchants<br \/>\n\u25aa\ufe0f Digital Banking Customer Acquisition Cost (CAC)<\/p>\n<p>(This article has been updated with three fact-checked updates in line with Google's EAT principles. Search Visibility Improvement Tip: Prioritise long-tail keywords such as \"Malaysian e-wallet\" and \"cross-border remittance\" in title tags.)<\/p>","protected":false},"excerpt":{"rendered":"<p>Malaysian Payments Predictions and Opportunities for the Next 5 Years: the New Financial Landscape under Digital Transformation Introduction...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[30],"tags":[],"class_list":["post-2830","post","type-post","status-publish","format-standard","hentry","category-30"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u672a\u67655\u5e74\u9884\u6d4b\u4e0e\u673a\u9047 - 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