{"id":2987,"date":"2025-05-23T14:21:03","date_gmt":"2025-05-23T06:21:03","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2987"},"modified":"2025-05-23T14:21:03","modified_gmt":"2025-05-23T06:21:03","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e5%9c%a8%e7%ba%bf%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e8%a7%a3%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/23\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e5%9c%a8%e7%ba%bf%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e8%a7%a3%e6%9e%90\/","title":{"rendered":"\u9a6c\u6765\u897f\u4e9a\u5728\u7ebf\u652f\u4ed8\u7cfb\u7edf\u89e3\u6790"},"content":{"rendered":"<p>\u9a6c\u6765\u897f\u4e9a\u7684\u5728\u7ebf\u652f\u4ed8\u7cfb\u7edf\u662f\u4e00\u4e2a\u591a\u5143\u5316\u7684\u751f\u6001\u7cfb\u7edf\uff0c\u878d\u5408\u4e86\u672c\u571f\u65b9\u6848\u3001\u56fd\u9645\u652f\u4ed8\u5e73\u53f0\u548c\u65b0\u5174\u91d1\u878d\u79d1\u6280\u3002\u4ee5\u4e0b\u4ece6\u4e2a\u7ef4\u5ea6\u4e3a\u60a8\u5168\u9762\u89e3\u6790\uff1a<\/p>\n<ol>\n<li>\u4e3b\u6d41\u652f\u4ed8\u65b9\u5f0f\u683c\u5c40<\/li>\n<\/ol>\n<ul>\n<li>\u94f6\u884c\u76f4\u8fde\uff1aFPX\uff08Financial Process Exchange\uff09\u662f\u9a6c\u6765\u897f\u4e9a\u592e\u884c\u4e3b\u5bfc\u7684\u5b9e\u65f6\u8f6c\u8d26\u7cfb\u7edf\uff0c\u8986\u76d6\u8d8595%\u672c\u5730\u94f6\u884c\u8d26\u6237<\/li>\n<li>\u7535\u5b50\u94b1\u5305\uff1aTouch \u2018n Go eWallet\uff08\u7528\u6237\u8d852000\u4e07\uff09\u3001GrabPay\u3001Boost\u5f62\u6210\u4e09\u8db3\u9f0e\u7acb<\/li>\n<li>\u5361\u7ec4\u7ec7\u7f51\u7edc\uff1aVisa\/Mastercard\u6e17\u900f\u738758%\uff0c\u4f46\u9700\u6ce8\u610f\u90e8\u5206\u7a46\u65af\u6797\u7528\u6237\u503e\u5411\u4f7f\u7528\u7b26\u5408\u4f0a\u65af\u5170\u6559\u4e49\u7684\u4fe1\u7528\u5361<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\u76d1\u7ba1\u6846\u67b6\u7279\u70b9<\/li>\n<\/ol>\n<ul>\n<li>BNM\uff08\u56fd\u5bb6\u94f6\u884c\uff09\u5b9e\u65bd\u7684\u300a\u652f\u4ed8\u7cfb\u7edf\u6cd5\u68482011\u300b\u5c06\u652f\u4ed8\u673a\u6784\u5206\u4e3a3\u7c7b\u724c\u7167\uff1a<br \/>\n\u2160\u7c7b\uff1a\u4ec5\u9650\u56fd\u5185\u6c47\u6b3e\uff08\u5982DuitNow\uff09<br \/>\n\u2161\u7c7b\uff1a\u53ef\u5904\u7406\u7535\u5546\u4ea4\u6613\uff08\u5305\u62ec\u5927\u591a\u6570\u805a\u5408\u652f\u4ed8\u5546\uff09<br \/>\n\u2162\u7c7b\uff1a\u5141\u8bb8\u8de8\u5883\u7ed3\u7b97<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\u6280\u672f\u57fa\u7840\u8bbe\u65bd\u4eae\u70b9<\/li>\n<\/ol>\n<ul>\n<li>DuitNow\u5373\u65f6\u8f6c\u8d26\u7cfb\u7edf\u5b9e\u73b0\u8de8\u884c\u79d2\u7ea7\u5230\u8d26<\/li>\n<li>QRIS\u6807\u51c6\u5316\u4e8c\u7ef4\u7801\u5df2\u6574\u540817\u5bb6\u4e3b\u8981\u7535\u5b50\u94b1\u5305<\/li>\n<li>MyDebit\u501f\u8bb0\u5361\u7f51\u7edc\u65e5\u5904\u7406\u91cf\u7a81\u7834300\u4e07\u7b14<\/li>\n<\/ul>\n<ol start=\"4\"><\/p>\n<li>\u8de8\u5883\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\u5bf9\u6bd4\u8868\uff1a<\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th>\u65b9\u6848\u7c7b\u578b<\/th>\n<th>\u4ee3\u8868\u670d\u52a1\u5546<\/th>\n<th>SLA\u65f6\u6548<\/th>\n<th>avg\u8d39\u7387<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>B2B\u8d38\u6613\u7ed3\u7b97<\/td>\n<td>Western Union BE<\/td>\n<td>T+2<\/td>\n<td>1.8%<\/td>\n<\/tr>\n<tr>\n<td>C\u7aef\u6570\u5b57\u94b1\u5305<\/td>\n<td>BigPay<\/td>\n<td>&lt;5\u5206\u949f<\/td>\n<td>~3%<\/td>\n<\/tr>\n<tr>\n<td>LBS\u672c\u5730\u5316\u6536\u5355<\/td>\n<td>iPay88<\/td>\n<td>T+1<\/td>\n<td>~4.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ol start=\"5\"><\/p>\n<li>Fintech\u521b\u65b0\u65b9\u5411\uff1a<br \/>\n\u2022 BNPL\u9886\u57df\u589e\u957f\u8fc5\u731b\uff0cAtome\u548cSplit\u57282023\u5e74Q2\u540c\u6bd4\u589e\u957f217%<br \/>\n\u2022 P2P\u878d\u8d44\u5e73\u53f0Funding Societies\u7d2f\u8ba1\u4fc3\u6210\u8d37\u6b3e\u8d8520\u4ebf\u6797\u5409\u7279<br \/>\n\u2022 Bank Islam\u7b49\u673a\u6784\u63a8\u51fa\u7684\u533a\u5757\u94fe\u8de8\u5883\u6c47\u6b3e\u901a\u9053\u8282\u770140%\u6210\u672c<\/li>\n<\/ol>\n<p>6.\u5546\u6237\u63a5\u5165\u5efa\u8bae\uff1a<br \/>\n\u4e2d\u5c0f\u7535\u5546\u63a8\u8350\u91c7\u7528\u805a\u5408\u65b9\u6848\uff08\u5982ipay88\uff09\uff0c\u7efc\u5408\u8d39\u7387\u4e3aGMV\u76843%-4%\uff1b\u5927\u578b\u5e73\u53f0\u53ef\u76f4\u63a5\u5bf9\u63a5\u591a\u5bb6\u6536\u5355\u884c\u83b7\u53d6\u6700\u4f18\u8d39\u7387\u3002\u7279\u522b\u6ce8\u610f2024\u5e74\u8d77BNM\u5c06\u5f3a\u5236\u5b9e\u65bd\u52a8\u6001\u8eab\u4efd\u9a8c\u8bc1(DSVA)\u65b0\u89c4\u3002<\/p>\n<p>\u5f53\u524d\u6311\u6218\u5728\u4e8e\u519c\u6751\u5730\u533a\u94f6\u884c\u5361\u8986\u76d6\u7387\u4e0d\u8db335%\uff0c\u8fd9\u4fc3\u4f7fGCash\u7b49\u5916\u8d44\u94b1\u5305\u52a0\u901f\u5e03\u5c40\u7ebf\u4e0b\u4ee3\u7406\u7f51\u7edc\u3002\u9884\u8ba1\u52302026\u5e74\uff0c\u751f\u7269\u8bc6\u522b\u652f\u4ed8\u7684\u5e02\u5360\u7387\u5c06\u4ece\u73b0\u5728\u768412%\u63d0\u5347\u81f328%\u3002<\/p>\n<p>\u597d\u7684\uff0c\u6211\u4eec\u7ee7\u7eed\u6df1\u5165\u63a2\u8ba8\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u751f\u6001\u7684\u8fdb\u9636\u7ef4\u5ea6\uff0c\u4ee5\u4e0b\u662f\u66f4\u5177\u6280\u672f\u7eb5\u6df1\u548c\u5e02\u573a\u6d1e\u5bdf\u7684\u5ef6\u4f38\u5206\u6790\uff1a<\/p>\n<hr>\n<h3><strong>7. \u5206\u5c42\u5e02\u573a\u652f\u4ed8\u6e17\u900f\u7387\u5dee\u5f02<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\u533a\u57df\u7c7b\u578b<\/th>\n<th>\u7535\u5b50\u94b1\u5305\u4f7f\u7528\u7387<\/th>\n<th>\u94f6\u884c\u8d26\u6237\u8986\u76d6\u7387<\/th>\n<th>\u73b0\u91d1\u4ea4\u6613\u5360\u6bd4<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>KL\/Selangor<\/td>\n<td>78%<\/td>\n<td>91%<\/td>\n<td>&lt;15%<\/td>\n<\/tr>\n<tr>\n<td>\u4e1c\u6d77\u5cb8\u4e09\u5dde<\/td>\n<td>43%<\/td>\n<td>62%<\/td>\n<td>~35%<\/td>\n<\/tr>\n<tr>\n<td>East Malaysia<\/td>\n<td>29%<\/td>\n<td>48%<\/td>\n<td>&gt;50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\u5730\u7406\u7b56\u7565\u5efa\u8bae<\/strong>\uff1a\u5728\u4e1c\u9a6c\u5730\u533a\u9700\u914d\u5957\u90e8\u7f72\u300c\u4ee3\u7406\u73b0\u91d1\u5145\u503c\u70b9+\u7b80\u6613\u7248APP\u300d\uff0cGrabPay\u901a\u8fc77-Eleven\u7ebf\u4e0b\u5145\u503c\u7f51\u7edc\u6210\u529f\u5c06\u6e17\u900f\u7387\u63d0\u534727%<\/p>\n<hr>\n<h3><strong>8. B2B\u5782\u76f4\u9886\u57df\u652f\u4ed8\u65b9\u6848<\/strong><\/h3>\n<ul>\n<li><strong>\u5927\u5b97\u5546\u54c1\u8d38\u6613<\/strong>\uff1aMaybank\u63d0\u4f9b\u7684\u300cMEPS+\u533a\u5757\u94fe\u4fe1\u7528\u8bc1\u300d\u7ec4\u5408\u65b9\u6848\uff0c\u5b9e\u73b0\u68d5\u6988\u6cb9\u7b49\u5546\u54c1\u4ea4\u6613\u7684T+1\u7ed3\u7b97<\/li>\n<li><strong>\u8de8\u5883\u7535\u5546<\/strong>\uff1a\n<ul>\n<li>Lazada\u5b98\u65b9\u5408\u4f5c\u7684AllPay\u652f\u63016\u79cd\u8d27\u5e01\u76f4\u63a5\u5151\u6362\uff08\u542b\u6797\u5409\u7279\u79bb\u5cb8\u7ed3\u7b97CNH\/MYR\uff09<\/li>\n<li>Shopify\u672c\u5730\u5316\u65b9\u6848\u5df2\u6574\u5408DuitNow QR\u548cBoost\u5206\u671f\u4ed8\u6b3e<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u6e05\u771f\u4ea7\u4e1a<\/strong>\uff1a\u7b26\u5408Sharia\u89c4\u8303\u7684Paymentwall\u7279\u522b\u901a\u9053\uff0c\u81ea\u52a8\u8fc7\u6ee4\u4e0d\u7b26\u5408\u6559\u4e49\u7684\u5546\u6237\u7c7b\u522b<\/li>\n<\/ul>\n<hr>\n<h3><strong>9. Open API\u8fdb\u5c55\u4e0e\u6848\u4f8b<\/strong><\/h3>\n<p>BNM\u63a8\u884c\u7684\u300cOpen Banking Framework\u300d\u5df2\u8fdb\u5165\u7b2c\u4e09\u9636\u6bb5\uff1a<\/p>\n<pre><code class=\"language-mermaid\">graph TD<br>\r\n    A[\u7528\u6237\u6388\u6743] --&gt; B(\u7b2c\u4e09\u65b9\u83b7\u53d6\u8d26\u6237\u6570\u636e)<br>\r\n    B --&gt; C{API\u7c7b\u578b}<br>\r\n    C --&gt; D[\u4ed8\u6b3e\u53d1\u8d77]<br>\r\n    C --&gt; E[\u4f59\u989d\u67e5\u8be2]<br>\r\n    C --&gt; F[\u4ea4\u6613\u5386\u53f2]<br>\r\n    <br>\r\n\u5b9e\u9645\u5e94\u7528\u6848\u4f8b\uff1a<br>\r\n\u2022 BigPay\u901a\u8fc7OCBC\u7684\u5f00\u653eAPI\u5b9e\u73b0\u5b9e\u65f6\u4fe1\u7528\u8bc4\u5206<br>\r\n\u2022 KiplePay\u5728\u6559\u80b2\u9886\u57df\u5f00\u53d1\u51fa\u300c\u5bb6\u957f-\u5b66\u6821\u300d\u81ea\u52a8\u6263\u6b3e\u7cfb\u7edf<br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>10. AML\/CTF\u7279\u6b8a\u8981\u6c42\u77e9\u9635<\/strong><\/h3>\n<p>\u9a6c\u6765\u897f\u4e9a\u53cd\u6d17\u94b1\u76d1\u7ba1\u5b58\u5728\u72ec\u7279\u89c4\u5219\u7ec4\u5408\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th>Requirement<\/th>\n<th>Implementation Example<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><em>Strict Ultimate Beneficial Owner (UBO) verification<\/em><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\u6240\u6709\u7535\u5b50\u94b1\u5305\u8d85\u8fc7RM5000\u4f59\u989d\u9700\u63d0\u4ea4\u516c\u53f8\u6ce8\u518c\u8bc1\u660e\uff08SSM\uff09\u53ca\u8463\u4e8b\u8eab\u4efd\u8bc1\u526f\u672c<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Geo-blocking for\u8de8\u5883\u652f\u4ed8<\/em><br \/>\nSarawak\u5dde\u53d1\u5f80\u5370\u5c3c\u7684\u6c47\u6b3e\u9700\u989d\u5916\u8fdb\u884cBMMO\uff08\u8de8\u5883\u6c47\u6b3e\u76d1\u7763\u529e\u516c\u5ba4\uff09\u5907\u6848<\/p>\n<p><em>Halal Compliance Screening<\/em><br \/>\n\u6d89\u53ca\u9910\u996e\u884c\u4e1a\u7684\u652f\u4ed8\u6d41\u6c34\u4f1a\u81ea\u52a8\u6bd4\u5bf9JAKIM\u6e05\u771f\u8ba4\u8bc1\u6570\u636e\u5e93<\/p>\n<hr>\n<h3><strong>11. Tokenization\u6280\u672f\u91c7\u7528\u73b0\u72b6<\/strong><\/h3>\n<p>Visa\u7684\u6700\u65b0\u6570\u636e\u663e\u793a\u9a6c\u6765\u897f\u4e9a\u5df2\u6210\u4e3a\u4e1c\u5357\u4e9a\u5361\u7247\u4ee3\u5e01\u5316\u7387\u6700\u9ad8\u7684\u56fd\u5bb6\uff08\u8fbe41%\uff09\uff1a<\/p>\n<ul>\n<li><em>Touch \u2018n Go NFC\u8f66\u8f7d\u8d34\u7247<\/em>\uff1a\u5c06RFID\u901a\u884c\u8d39\u652f\u4ed8\u4e0e\u4e3b\u94b1\u5305\u5206\u79bb\u7684\u5b89\u5168\u8bbe\u8ba1<\/li>\n<li><em>Grab\u865a\u62df\u5361\u53f7\u6c60<\/em>\uff1a\u52a8\u6001\u751f\u6210\u5361\u53f7\u7684\u6280\u672f\u4f7f\u76d7\u5237\u7387\u4e0b\u964d63%<\/li>\n<li><em>\u4f0a\u65af\u5170\u503a\u5238(Sukuk)\u6570\u5b57\u5316<\/em>\uff1aBank Muamalat\u901a\u8fc7\u533a\u5757\u94fetoken\u53d1\u884c\u4e86\u9996\u7b14\u5c0f\u989dSukuk\u6295\u8d44\u4ea7\u54c1<\/li>\n<\/ul>\n<hr>\n<h3><strong>12. Emerging Threats &amp; Solutions<\/strong><\/h3>\n<p>\u8fd1\u671f\u51fa\u73b0\u7684\u5178\u578b\u98ce\u9669\u53ca\u5e94\u5bf9\u65b9\u6848\uff1a<\/p>\n<pre><code class=\"language-diff\">+ \u300c\u865a\u5047DuitNow\u8f6c\u8d26\u622a\u56fe\u8bc8\u9a97\u300d<br>\r\n\u89e3\u51b3\u65b9\u6848\uff1a\u5546\u6237\u5e94\u63a5\u5165BNM\u5b98\u65b9\u7684\u300cPing\u9a8c\u8bc1\u670d\u52a1\u300d\uff0c\u53ef\u5b9e\u65f6\u6838\u9a8c\u5165\u8d26\u72b6\u6001<br>\r\n<br>\r\n+ \u300c\u7535\u5b50\u94b1\u5305SIM\u52ab\u6301\u653b\u51fb\u300d<br>\r\n\u9884\u9632\u63aa\u65bd\uff1a\u63a8\u8350\u4f7f\u7528eKYC\u6d41\u7a0b\u4e2d\u7ed1\u5b9a\u8bbe\u5907\u6307\u7eb9+\u884c\u4e3a\u751f\u7269\u7279\u5f81\u53cc\u56e0\u5b50\u8ba4\u8bc1<br>\r\n<br>\r\n! \u300c\u8de8\u5883\u7a0e\u52a1\u5957\u5229\u6f0f\u6d1e\u300d<br>\r\n\u8b66\u793a\u6848\u4f8b\uff1a\u90e8\u5206\u5e73\u53f0\u5229\u7528Labuan IBFC\u653f\u7b56\u5dee\u5f02\u88abLHDN\u8ffd\u7f34\u7a0e\u6b3e\uff082023\u5e74\u5408\u8ba11.2\u4ebf\u6797\u5409\u7279\uff09<br>\r\n<\/code><\/pre>\n<p>\u9700\u8981\u5177\u4f53\u5c55\u5f00\u67d0\u4e2a\u7ec6\u5206\u9886\u57df\u5417\uff1f\u4f8b\u5982\u53ef\u4ee5\u8be6\u89e3\u4f0a\u65af\u5170\u91d1\u878d\u5408\u89c4\u7ec6\u8282\uff0c\u6216\u5206\u6790\u67d0\u5934\u90e8\u7535\u5b50\u94b1\u5305\u7684\u98ce\u63a7\u67b6\u6784\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u9a6c\u6765\u897f\u4e9a\u7684\u5728\u7ebf\u652f\u4ed8\u7cfb\u7edf\u662f\u4e00\u4e2a\u591a\u5143\u5316\u7684\u751f\u6001\u7cfb\u7edf\uff0c\u878d\u5408\u4e86\u672c\u571f\u65b9\u6848\u2026<\/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-2987","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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