{"id":2854,"date":"2025-05-19T19:12:57","date_gmt":"2025-05-19T11:12:57","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2854"},"modified":"2025-05-19T19:12:57","modified_gmt":"2025-05-19T11:12:57","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e7%8e%b0%e7%8a%b6%e4%b8%8e%e6%9c%aa%e6%9d%a5%e8%b6%8b%e5%8a%bf","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%e5%b8%82%e5%9c%ba%e7%8e%b0%e7%8a%b6%e4%b8%8e%e6%9c%aa%e6%9d%a5%e8%b6%8b%e5%8a%bf\/","title":{"rendered":"Malaysia Payment Market Status and Future Trends"},"content":{"rendered":"

Malaysia's payments market has grown rapidly in recent years, characterised by diversification and digitisation. Below is an analysis of its current status and future trends:<\/p>\n

1. Current state of the payments market<\/strong><\/h3>\n

(1) Cash remains significant<\/strong><\/h4>\n
    \n
  • Despite the rapid growth of electronic payments, cash remains an important means of daily transactions, especially among rural and small merchants.<\/li>\n
  • BNM (Bank Negara Malaysia) data shows that there will still be about 40% of transactions using cash in 2022.<\/li>\n<\/ul>\n

    (2) Rapid growth in electronic payments<\/strong><\/h4>\n
      \n
    • card payment<\/strong>: Visa and Mastercard are widely used, and local Debit cards (e.g. MyDebit) are highly popular.<\/li>\n
    • Mobile Wallet Explosion<\/strong>::\n
        \n
      • Touch 'n Go eWallet<\/strong>(with Alipay) is one of the biggest players;<\/li>\n
      • GrabPay<\/strong>(Integration of the Grab ecosystem);<\/li>\n
      • Boost<\/strong>(under Axiata);<\/li>\n
      • Bank-based wallets such as MAE by Maybank are also growing.<\/li>\n<\/ul>\n<\/li>\n
      • QR code payments are popular: the DuitNow QR standard unifies code scanning interoperability across platforms.<\/li>\n<\/ul>\n

        (3) The rise of BNPL (buy now pay later)<\/strong><\/h4>\n
          \n
        • Services such as Atome, Split and Grab PayLater are popular among the youth and e-commerce consumers.<\/li>\n<\/ul>\n

          (4) Real-Time Payments (RTPs)<\/strong><\/h4>\n
            \n
          • DuitNow offers instant money transfers to drive efficiency in P2P and merchant collections.<\/li>\n<\/ul>\n
            \n

            2. Key drivers<\/strong><\/h3>\n

            \u2705 Government policy support<\/strong><\/p>\n

              \n
            • BNM launches Financial Sector Blueprint 2025, targeting 400 non-cash transactions per capita per year.<\/li>\n
            • eKYC simplifies the account opening process to promote the cardless trend.<\/li>\n<\/ul>\n

              \u2705 Digital Infrastructure Improvement<\/strong><\/p>\n

                \n
              • The FPX system operated by MyClear supports online bank transfers;<\/li>\n
              • DuitNow enables real-time clearing across banks.<\/li>\n<\/ul>\n

                \u2705 E-commerce and the takeaway economy<\/em>
                \nPlatforms such as Lazada and Shopee drive e-wallet-bound spending; Foodpanda\/Grab stimulate demand for small, high-frequency mobile payments.<\/p>\n

                \u2705 youth dividend<\/em>
                \nUnder 30s account for over 35%, are highly receptive to technology and prefer contactless payment methods.<\/p>\n

                \n

                3. Projections of future development trends<\/strong><\/h3>\n

                \ud83d\udd2e (1)<\/strong> Breakthrough in cross-border payments<\/strong><\/em>
                \nAs ASEAN integration advances, programmes such as \"DuitNow-Thailand\" may be expanded to more countries; and the penetration of Alipay\/WeChat payments may be further increased to serve Chinese tourists and cross-border e-commerce sellers.<\/p>\n

                \ud83d\udd2e (2)<\/strong> Super App Integrates Financial Ecosystem<\/strong><\/em>
                \nA full-scene financial services model similar to Grab's expansion from travel to insurance and lending will be a key point of competition - Touch 'n Go has already begun experimenting with a closed-loop strategy of transport + retail + payments.<\/p>\n

                \ud83d\udd2e (3)<\/strong> High likelihood of CBDC pilot landing<\/strong><\/em>
                \nBank Negara Malaysia is working on the digital ringgit (CBDC), which is expected to enter a sandbox testing phase by 2025 to enhance the efficiency of monetary policy transmission and combat grey economy trading practices .<\/p>\n

                \ud83d\udd2e(4)BNPL regulation tightens but continues to grow<\/em>
                \nBNPL may face new regulations similar to Singapore's MAS (e.g. mandatory credit assessment) due to the rising risk of over-borrowing, but the market size will continue to grow at an annualised rate of 20% or more until it reaches the US$1bn level by around 2026.<\/p>\n

                \n

                \u25b6\ufe0f Conclusion:<\/h3>\n

                In the short term, Malaysia will maintain a \"multi-stakeholder\" landscape - traditional banking institutions (Maybank\/CIMB), tech giants (Grab\/Axiata), and international companies (Visa\/Alipay) competing for market share; In the long run, whoever can win users' trust through lower rates, smoother cross-border experience or unique scenarios of stickiness will dominate the construction of the next-generation financial infrastructure in Southeast Asia's third-largest Internet economy (after Indonesia and Thailand).<\/p>\n

                4. Key challenges in the payments market
                \nDespite the rapid growth of e-payments in Malaysia, it still faces a number of structural challenges: <\/p>\n

                (1) Urban-rural digital divide
                \n- High urban penetration: e-payment acceptance exceeds 60% in major cities such as Kuala Lumpur and Penang, but rural areas still rely on cash.
                \n- Insufficient network coverage: 4G signals are unstable in some remote areas of East Malaysia (Sabah and Sarawak), affecting the use of mobile payment. <\/p>\n

                (2) Cost resistance on the merchant side
                \n- Micro, Small and Medium Enterprises (MSMEs) are sensitive to transaction fees, with traditional POS rates around 1.5%-3%, while DuitNow QR is as low as 0.5% but still needs to educate the market.
                \n- Cash management inertia: Many small merchants are still accustomed to daily cash settlements to avoid reconciliation complexities. <\/p>\n

                (3) Rising security and fraud risks
                \n- BNM report shows 27% year-on-year increase in e-payment fraud in 2022, with common tactics including phishing texts (posing as bank links) and fake customer service scams.
                \n- Biometric authentication (e.g., fingerprint\/face) is not yet fully prevalent, with some wallets relying only on OTP verification. <\/p>\n

                —<\/p>\n

                5. Segmentation opportunity analysis
                \n (1) Blue Ocean Market for B2B Payments
                \n\u2705 *Status quo*: enterprise-level payments are still dominated by bank transfers and cheques, which are inefficient; supply chain finance is under-penetrated by 10%.
                \n\u2705 *Opportunity*:
                \n - API-embedded financial solutions (e.g., automated payments with direct ERP system integration);
                \n - Pilot applications of Blockchain in trade finance (e.g. digitisation of letters of credit). <\/p>\n

                (2) Social Commerce + Payments Convergence
                \nThe rise of social e-commerce such as TikTok Shop and WhatsApp Business has created new demand - for example:
                \n - Instagram has a built-in \"pay by code\" feature;
                \n - TikTok has partnered with local wallets to launch \"Live Shopping Instant Checkout\". <\/p>\n

                (3) Islamic FinTech Compliance Innovation
                \nMalaysia being one of the global Islamic financial centres, the \"Sharia-compliant BNPL\" or profit sharing model (P2P financing) could be a differentiator. <\/p>\n

                —<\/p>\n

                6. Comparison of Competitive Strategies of International Players
                \n| Types of Participants | Representing Companies | Strengths Strategies | Barriers Faced |
                \n|————–|————|————|————–|
                \n| *Local Giant* | Touch 'n Go, Boost | -Strong Scenario Binding (Transport\/Telecom)
                -Strong government relations | -Weak cross-border capabilities
                -Slower technology iteration |
                \n| *Southeast Asia Super App* | GrabPay, ShopeePay | - High Frequency Eco-Traffic Introduction
                -Aggressive subsidisation (GrabRewards system)| -Pressure on profitability
                -Multinational Regulatory Differences |
                \n| *Chinese technology companies* | Alipay+, WeChat Pay MY|
                -Serving Chinese travellers\/cross-border e-commerce sellers
                -Advanced Risk Control Technology (ARCT)<\/p>\n

                <\u53d7\u5730\u7f18\u653f\u6cbb\u5f71\u54cd(\u6570\u636e\u672c\u5730\u5316\u8981\u6c42)| \n||<\/b><\/p>\n

                —<\/p>\n

                \u25b6\ufe0f recommendations for action:
                \nTo enter the Malaysian market, the following routes can be prioritised: <\/p>\n

                \ud83d\ude80 Targeting young urbanites: develop scenario-based products (e.g. education instalment + vocational training course bundles) in partnership with the BNPL platform; <\/p>\n

                \ud83c\udf0d Aiming at cross-border pain points: Provide aggregated collection service (support DuitNow\/Alipay+\/FPX and other multi-channel one-click clearing) to reduce the exchange rate loss of foreign trade SMEs; <\/p>\n

                \ud83d\udcf1 Deep-tap into offline micro-merchants: Promote low-cost smart terminals (similar to China's \"code licence\" model) and overlay value-added inventory management SaaS functionality to increase stickiness. <\/p>\n

                In the end, success will come to those who can balance\"Localised operational depth\"<\/b>(e.g. support for Malay language interface and Bank Rakyat local account access) vs.\"Globalised technology export\"<\/b>(real-time AML systems or cross-chain settlement protocols) hybrid players - a market that requires both patience to cultivate user habits and a quick response to the window of opportunity created by regulatory changes.<\/p>","protected":false},"excerpt":{"rendered":"

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