{"id":3220,"date":"2025-06-05T15:58:25","date_gmt":"2025-06-05T07:58:25","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3220"},"modified":"2025-06-05T15:58:25","modified_gmt":"2025-06-05T07:58:25","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%ad%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%a7%92%e8%89%b2","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/05\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%ad%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%a7%92%e8%89%b2\/","title":{"rendered":"The Role of FinTech in Malaysia's Payment System"},"content":{"rendered":"<p>The growing role of financial technology (FinTech) in Malaysia's payment system is driving a rapid transformation of the country's payment ecosystem. Below is an analysis of the key roles and trends of FinTech in Malaysia's payment system:<\/p>\n<hr>\n<h3><strong>1. The spread of e-wallets and cashless payments<\/strong><\/h3>\n<ul>\n<li><strong>Major players<\/strong>: GrabPay, Touch 'n Go eWallet, Boost, ShopeePay and other local and international platforms.<\/li>\n<li><strong>corresponds English -ity, -ism, -ization<\/strong>::\n<ul>\n<li>Provides convenient code-sweeping payment, P2P transfer and online consumption functions, covering retail, catering and transport scenarios.<\/li>\n<li>Accelerating cashlessness through subsidies and reward points (e.g. Touch 'n Go with motorways\/car parks).<\/li>\n<\/ul>\n<\/li>\n<li><strong>numbers<\/strong>: Malaysia's e-wallet penetration exceeds 50% by 2023, with the number of users topping 20 million.<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. Infrastructure support for real-time payment systems<\/strong><\/h3>\n<ul>\n<li><strong>DuitNow<\/strong>(operated by PayNet):\n<ul>\n<li>A national level instant money transfer system that supports mobile phone numbers\/ID numbers to complete interbank transfers.<\/li>\n<li>FinTech company integrates DuitNow via API to provide a seamless payment experience for users and businesses.<\/li>\n<\/ul>\n<\/li>\n<li><strong>cross-border interconnection<\/strong>: Connectivity with systems such as PromptPay in Thailand and BI-FAST in Indonesia to promote ASEAN regional payment integration.<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. The rise of BNPL (buy now pay later)<\/strong><\/h3>\n<ul>\n<li><strong>Representative companies<\/strong>: Atome, Split, Grab PayLater.<\/li>\n<li>\n<ul>\n<li><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><strong>4. Cross-border payments and remittance innovation<\/strong><\/h3>\n<ul>\n<li><strong>Blockchain and Digital Currency Applications<\/strong>::\n<ul>\n<li>Bank Negara Malaysia (BNM) is actively experimenting with the Central Bank Digital Currency (CBDC) to explore more efficient cross-border settlement solutions.<\/li>\n<li>FinTech companies such as MoneyMatch use blockchain technology to reduce the cost and time of traditional bank remittances (especially for foreign worker remittances).<\/li>\n<\/ul>\n<\/li>\n<li><strong>ASEAN regional cooperation<\/strong>: Adoption of projects such as<em>Project Nexus<\/em>(connecting fast payment systems across Southeast Asia), fintech firms help streamline cross-border transactions between Malaysia and countries such as Singapore and Indonesia.<\/li>\n<\/ul>\n<hr>\n<h3><strong>5. SME Financial Services Empowerment<\/strong><\/h3>\n<ul>\n<li><strong>Digital commercial accounts and acquiring services<\/strong>: GrabFin, BigPay, and others provide low-cost collection tools for businesses, integrating inventory management, invoice generation, and more.<\/li>\n<li><em>supply chain finance<\/em>: P2P lending platforms (e.g. Funding Societies) provide flexible financing to MSMEs through data-based risk control to support their digital payment needs.<\/li>\n<\/ul>\n<hr>\n<h3><strong>6. Regulatory sandboxes and policy facilitation<\/strong><\/h3>\n<ul>\n<li>BNM<em>FinTech Sandbox Framework<\/em>Allow start-ups to test innovative payment solutions (e.g. biometric authentication, stablecoin applications) in a controlled environment.<\/li>\n<li>*The Big Blueprint for the Financial Sector 2022-2026* explicitly encourages Open Banking (OB), which requires traditional banks to share data through APIs and facilitates FinTech collaboration with traditional institutions.<\/li>\n<\/ul>\n<hr>\n<h3><strong>7. AI and big data for risk control optimisation<\/strong><\/h3>\n<ul>\n<li><em>Fraud detection<\/em>: E-wallet platforms use machine learning to analyse transaction behaviour and intercept suspicious activity in real time (e.g. Boost's AI anti-money laundering system).<\/li>\n<li><em>credit score<\/em>: Alternative data sources (e.g. e-commerce transaction records) are being incorporated into credit models to help unbanked users access financial services.<\/li>\n<\/ul>\n<hr>\n<h3><strong>8. Challenges and future trends<\/strong><\/h3>\n<ol>\n<li><strong>Regulatory balance<\/strong>: How to balance innovation with risk remains key (e.g., a cautious approach to cryptocurrency payments).<\/li>\n<li><em><strong>Super App Ecology<\/strong><\/em>: Platforms such as Grab and Shopee will further integrate payments, lending and insurance services to create a closed-loop financial experience.<\/li>\n<li><em><strong>Sustainable finance<\/strong><\/em>: The concept of \"green payment\" is on the rise, with some e-wallets introducing carbon footprint tracking features to incentivise environmentally friendly consumption.<\/li>\n<\/ol>\n<hr>\n<p>FinTech in Malaysia is not only reshaping the efficiency of payments, but also playing a central role in financial inclusion and regional economic connectivity. With the penetration of 5G and IoT technologies, \"invisible payments\" (e.g., automated in-vehicle deductions) could be the next breaking point. (End)<\/p>","protected":false},"excerpt":{"rendered":"<p>The growing role of financial technology (FinTech) in Malaysia's payment system...<\/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-3220","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\u7cfb\u7edf\u4e2d\u7684\u91d1\u878d\u79d1\u6280\u89d2\u8272 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/06\/05\/\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u7cfb\u7edf\u4e2d\u7684\u91d1\u878d\u79d1\u6280\u89d2\u8272\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u7cfb\u7edf\u4e2d\u7684\u91d1\u878d\u79d1\u6280\u89d2\u8272\" \/>\n<meta property=\"og:description\" content=\"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u7cfb\u7edf\u4e2d\u7684\u91d1\u878d\u79d1\u6280\uff08FinTech\uff09\u89d2\u8272\u65e5\u76ca\u91cd\u8981\uff0c&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/06\/05\/\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u7cfb\u7edf\u4e2d\u7684\u91d1\u878d\u79d1\u6280\u89d2\u8272\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-05T07:58:25+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%ad%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%a7%92%e8%89%b2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%ad%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%a7%92%e8%89%b2\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u7cfb\u7edf\u4e2d\u7684\u91d1\u878d\u79d1\u6280\u89d2\u8272\",\"datePublished\":\"2025-06-05T07:58:25+00:00\",\"dateModified\":\"2025-06-05T07:58:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%ad%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%a7%92%e8%89%b2\/\"},\"wordCount\":51,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%ad%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%a7%92%e8%89%b2\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%ad%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%a7%92%e8%89%b2\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/05\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%ad%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%a7%92%e8%89%b2\/\",\"name\":\"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u7cfb\u7edf\u4e2d\u7684\u91d1\u878d\u79d1\u6280\u89d2\u8272 - 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