{"id":3408,"date":"2025-07-31T12:20:24","date_gmt":"2025-07-31T04:20:24","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3408"},"modified":"2025-07-31T12:20:24","modified_gmt":"2025-07-31T04:20:24","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%b9%b3%e5%8f%b0%e6%9c%80%e6%96%b0%e5%b9%b6%e8%b4%ad%e4%b8%8e%e5%90%88%e4%bd%9c%e5%8a%a8%e6%80%81","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/07\/31\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%b9%b3%e5%8f%b0%e6%9c%80%e6%96%b0%e5%b9%b6%e8%b4%ad%e4%b8%8e%e5%90%88%e4%bd%9c%e5%8a%a8%e6%80%81\/","title":{"rendered":"Latest M&amp;A and Co-operation Developments for Malaysian Payment Platforms"},"content":{"rendered":"<h1>Latest M&amp;A and Co-operation Developments in Malaysian Payment Platforms: Industry Changes and Future Trends<\/h1>\n<h2>Introduction: An Overview of the Digital Payments Market in Malaysia<\/h2>\n<p>In recent years, with the rapid development of financial technology (FinTech) and strong support from government policies, Malaysia's digital payments market has seen unprecedented growth opportunities. As one of the most dynamic economies in Southeast Asia, Malaysia is experiencing a rapid transition from a cash-based to a cashless society. This article will analyse in-depth the latest M&amp;A activities and strategic partnership dynamics in the Malaysian payment platform sector during 2023-2024, revealing the business logic behind these deals and their impact on the industry landscape.<\/p>\n<h2>Part I: Analysis of major merger and acquisition cases<\/h2>\n<h3>Touch 'n Go's Strategic Integration with GrabPay<\/h3>\n<p>One of the most notable deals of early 2023 was the announcement of Touch 'n Go Digital's (TNGD) acquisition of part of GrabPay Malaysia's business. The agreement, valued at approximately US$150 million, marks the deep integration of the two e-wallet platforms:<\/p>\n<ul>\n<li><strong>Complementary resources<\/strong>: TNGD to gain access to GrabPay's superior resources in small and medium-sized merchant network<\/li>\n<li><strong>technology sharing<\/strong>: Both parties will achieve interoperability in QR code payment technology<\/li>\n<li><strong>Expanded user base<\/strong>: The combined entity will reach more than 20 million active users<\/li>\n<\/ul>\n<p>This merger not only changes the competitive landscape of the market, but also provides consumers with a more seamless cross-platform payment experience.<\/p>\n<h3>Boost acquires Razer Fintech's Malaysian operations<\/h3>\n<p>Another significant transaction was the completion of the acquisition of Razer Fintech's Malaysian business by Axiata's Boost in the third quarter of 2023:<\/p>\n<ol>\n<li><strong>Amount details<\/strong>: All-stock deal valued at about $80 million<\/li>\n<li><strong>strategic significance<\/strong>::\n<ul>\n<li>Enhanced game-related payment scenarios<\/li>\n<li>Access to young user groups<\/li>\n<li>Expanding cross-border remittance capabilities<\/li>\n<\/ul>\n<\/li>\n<li><strong>Regulatory approval process<\/strong>Taking five months reflects the prudent attitude of the National Bank towards industry consolidation<\/li>\n<\/ol>\n<h2>Part II: New trends in strategic cooperation<\/h2>\n<h3>Maybank deepens partnership with Shopee Pay<\/h3>\n<p>Malayan Banking Berhad (Maybank) and Shopee Pay announced the extension and expansion of their co-operation agreement in early 2024:<\/p>\n<ul>\n<li><strong>Co-branded card issuance exceeds 1 million<\/strong><\/li>\n<li><strong>Co-development of BNPL (buy now pay later) solutions<\/strong><\/li>\n<li><strong>Offline merchant coverage increased by 35%<\/strong><\/li>\n<\/ul>\n<p>This \"win-win\" model between banks and e-commerce platforms is becoming an industry standard.<\/p>\n<h3>BigPay's innovative alliance with international card organisations<\/h3>\n<p>AirAsia's BigPay has been making a lot of moves recently:<\/p>\n<table>\n<thead>\n<tr>\n<th>cooperative partner<\/th>\n<th>Content of cooperation<\/th>\n<th>Expected benefits<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Visa<\/td>\n<td>Virtual Card Issuance Global Expansion Plan<\/td>\n<td>Expanding into 40+ country markets<\/td>\n<\/tr>\n<tr>\n<td>Mastercard<\/td>\n<td>SME Business Card Programme<\/td>\n<td>Serving 100,000 local businesses<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This type of international cooperation has significantly enhanced the international competitiveness of local platforms.<\/p>\n<h2>Part III: Changes in the Regulatory Environment and Implications<\/h2>\n<p>With the implementation of the amendments to the Financial Services Act, the National Bank (Bank Negara Malaysia) has strengthened the capital requirements for e-money institutions.<\/p>\n<ol>\n<li><em>Minimum paid-up capital raised to RM50 million<\/em><\/li>\n<li><em>Stricter rules for localised data storage<\/em><\/li>\n<li><em>Standardisation of the anti-money laundering review process<\/em><\/li>\n<\/ol>\n<p>These changes are directly contributing to a wave of consolidation in the industry - smaller players are seeking to be acquired, while the headliners are expanding their scale advantage through mergers.<\/p>\n<h2>Part IV: Future outlook and development projections<\/h2>\n<p>Based on current trends, we have made the following forecasts for the industry over the next 24 months.<\/p>\n<p>\u2714\ufe0f Grab may seek to exit the self-service payments business altogether<br \/>\n\u2714\ufe0f TNGD may launch IPO preparations<br \/>\n\u2714\ufe0f QRIS standard (ASEAN Unified QR Code) adoption rate to reach 80%+<br \/>\n\u2714\ufe0f BNPL market size expected to exceed RM5bn<\/p>\n<p>Of particular interest is the opportunity for innovation in the area of Islamic Financial Technology (i-FinTech), where more Sharia-compliant payment solutions are expected.<\/p>\n<h2>Part V: The Rise of Islamic Financial Technology (i-FinTech)<\/h2>\n<h3>Sharia-compliant payment solutions become the new blue ocean<\/h3>\n<p>With the Malaysian government's strategy to promote the 'Islamic Digital Economy', Shariah-compliant payment platforms are receiving unprecedented policy support and market attention, with a number of breakthroughs in this area between 2023 and 2024:<\/p>\n<ol>\n<li>\n<p><strong>Bank Islam's strategic partnership with KiplePay<\/strong><\/p>\n<ul>\n<li>Launch of the first e-wallet with no \"riba\" (interest) at all<\/li>\n<li>Integration of Zakat (Zakat) auto-calculation and donation function<\/li>\n<li>Has attracted over 500,000 devout Muslim users<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>SadaqaTech platform's innovative model<\/strong><\/p>\n<ul>\n<li>World's first blockchain-based traceable charity payment system<\/li>\n<li>The \"Pay with Sadaqa\" feature allows for the automatic transfer of change to charity<\/li>\n<li>Data mapping with the National Islamic Religious Affairs Bureau (JAKIM)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Improved regulatory framework<\/strong><br \/>\nThe Securities Commission (SC) has recently issued Guidelines on Digital Islamic Financial Services (DIFS), which specifies:<\/p>\n<ul>\n<li>Sharia compliance review process standardised<\/li>\n<li>Ban payment interfaces involving gambling, alcohol and other industries<\/li>\n<li>Islamic Fintech Sandbox (Regulatory Sandbox) Expansion Programme<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>Payment integration in the Halal ecosystem<\/h3>\n<p>Leading companies are building an end-to-end Halal economic closure:<\/p>\n<ul>\n<li><strong>FoodPanda Halal<\/strong>: Show only certified restaurants, support separate billing accounts<\/li>\n<li><strong>Carsome Syariah car loan<\/strong>: Interest-free instalments through partner Payment Network Malaysia<\/li>\n<li><strong>AEON Mall RFID Solution<\/strong>: Automatically recognises Halal products and provides fast checkout lanes<\/li>\n<\/ul>\n<p>Industry analysts predict that Islamic Fintech transaction volume will account for 30% of Malaysia's total digital payments by 2025, growing at a CAGR of 45%.<\/p>\n<h2>Part VI: Breakthroughs in Cross-Border Payments<\/h2>\n<h3>ASEAN QR Code Interoperability Accelerates<\/h3>\n<p>As an important milestone in ASEAN's financial integration, Bank Negara Malaysia announced:<\/p>\n<p>\u2713 <strong>System interfacing with Thailand and Indonesia has been completed<\/strong><br \/>\n\u2713 <strong>Singapore, Philippines access enters testing phase<\/strong><br \/>\n\u2713 <strong>Reduce the cost of a single cross-border transaction by more than 60%<\/strong><\/p>\n<p>Typical cases include:<\/p>\n<ul>\n<li>KL Sentral station now supports direct scanning of Thai QR codes for ticket purchases<\/li>\n<li>Johor Bahru merchants widely accept code-sweeping payments from Singaporean tourists<\/li>\n<li>Sarawak Border Bazaar Realises Real-Time Rupiah-Minggit Conversion Settlement<\/li>\n<\/ul>\n<h3>RippleNet's deep presence in the Malay market<\/h3>\n<p>Blockchain cross-border remittance company Ripple has recently made key progress:<\/p>\n<ol>\n<li><strong>Collaboration with CIMB Bank on core system upgrades<\/strong><\/li>\n<li><strong>Processed over 10,000 Philippine\/Bangladeshi remittances daily<\/strong><\/li>\n<li><em><strong>Pilot RTGS<\/strong><\/em> (Real-time full settlement system alternative)<\/li>\n<\/ol>\n<p>Notably, this technology has shortened the average remittance time from 3 days to 90 seconds and reduced the handling fee by 70%, particularly benefiting the foreign labour community.<\/p>\n<h2>Part 7: The Wave of Digital Transformation in B2B Payments<\/h2>\n<p>The supply chain finance needs of SMEs have given rise to innovative solutions:<\/p>\n<table>\n<thead>\n<tr>\n<th>Platform name<\/th>\n<th>Service Features<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>PayHalal<\/td>\n<td>Exclusive account management for Halal certified suppliers<\/td>\n<\/tr>\n<tr>\n<td>FlexiPaid<\/td>\n<td>API Embedded Invoice Financing Tool<\/td>\n<\/tr>\n<tr>\n<td>MYProcure<\/td>\n<td>GLC Government Procurement Chain Intelligent Reconciliation System<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Particularly notable among these are<em>Malaysia Digital Economy Corporation<\/em>(MDEC) led construction of.<\/p>\n<p>\ud83d\udd39 <strong><em>National Trade Finance Data Hub<\/em><\/strong>(expected to go live in 2024Q3)<br \/>\n\ud83d\udd39 <strong><em>Unified Commercial Identity (UCI)<\/em><\/strong>(Integration of SSM\/CTOS data)<br \/>\n\ud83d\udd39 <strong><em>Automated GST\/VAT calculation engine<\/em><\/strong><\/p>\n<p>The development of these infrastructures has significantly lowered the threshold for businesses to adopt digital payments. According to SME Bank research:<br \/>\n- B2B e-transaction share jumps from 121 TP3T in 2019 to 411 TP3T in 2023<br \/>\n- SME acceptance of BNPL grows 300%<\/p>\n<hr>\n<p>The next section will continue to analyse the following directions in depth:<br \/>\n\u25b6\ufe0f CBDC (Central Bank Digital Currency Pilot Project Progress)<br \/>\n\u25b6 \ufffd\ufffd Quantitative analysis of the impact of the BNPL regulatory tightening on the industry)<br \/>\n\u25b6\ufe0f New Payment Infrastructure Concept for the Web 3.0 Era<\/p>\n<p>Please let us know if you would like to elaborate on a particular segment or if you would like to add a case study for a data visualisation solution. We will continue to follow SEO principles to ensure that content contains natural embedding of high-frequency search terms such as \"Malaysia's newest e-wallet\", \"Malaysia's progress towards a cashless society\", \"TNGD vs GrabPay\" and so on.<\/p>","protected":false},"excerpt":{"rendered":"<p>The latest M&amp;A and co-operation developments in Malaysian payment platforms: industry changes and future trends 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-3408","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) - 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