{"id":3168,"date":"2025-06-03T13:24:24","date_gmt":"2025-06-03T05:24:24","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3168"},"modified":"2025-06-03T13:24:24","modified_gmt":"2025-06-03T05:24:24","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%9c%a8%e4%b8%9c%e5%8d%97%e4%ba%9a%e6%95%b0%e5%ad%97%e7%bb%8f%e6%b5%8e%e4%b8%ad%e7%9a%84%e5%9c%b0%e4%bd%8d","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/06\/03\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%9c%a8%e4%b8%9c%e5%8d%97%e4%ba%9a%e6%95%b0%e5%ad%97%e7%bb%8f%e6%b5%8e%e4%b8%ad%e7%9a%84%e5%9c%b0%e4%bd%8d\/","title":{"rendered":"\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u5728\u4e1c\u5357\u4e9a\u6570\u5b57\u7ecf\u6d4e\u4e2d\u7684\u5730\u4f4d"},"content":{"rendered":"<p>\u9a6c\u6765\u897f\u4e9a\u7684\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u5728\u4e1c\u5357\u4e9a\u6570\u5b57\u7ecf\u6d4e\u4e2d\u626e\u6f14\u7740\u91cd\u8981\u89d2\u8272\uff0c\u5176\u6210\u719f\u5ea6\u3001\u521b\u65b0\u6027\u548c\u653f\u7b56\u652f\u6301\u4f7f\u5176\u6210\u4e3a\u533a\u57df\u6570\u5b57\u91d1\u878d\u53d1\u5c55\u7684\u5173\u952e\u53c2\u4e0e\u8005\u3002\u4ee5\u4e0b\u662f\u8be6\u7ec6\u5206\u6790\uff1a<\/p>\n<hr>\n<h3><strong>1. \u7ecf\u6d4e\u4e0e\u6570\u5b57\u5316\u57fa\u7840<\/strong><\/h3>\n<ul>\n<li><strong>\u7ecf\u6d4e\u89c4\u6a21<\/strong>\uff1a\u9a6c\u6765\u897f\u4e9a\u662f\u4e1c\u5357\u4e9a\u7b2c\u4e09\u5927\u7ecf\u6d4e\u4f53\uff08\u4ec5\u6b21\u4e8e\u5370\u5c3c\u3001\u6cf0\u56fd\uff09\uff0c2023\u5e74GDP\u7ea64,300\u4ebf\u7f8e\u5143\uff0c\u6570\u5b57\u7ecf\u6d4e\u8d21\u732e\u7ea623%\uff08\u8fd11,000\u4ebf\u7f8e\u5143\uff09\u3002<\/li>\n<li><strong>\u4e92\u8054\u7f51\u6e17\u900f\u7387<\/strong>\uff1a84%\uff082023\u5e74\uff09\uff0c\u667a\u80fd\u624b\u673a\u666e\u53ca\u7387\u8d8590%\uff0c\u4e3a\u6570\u5b57\u652f\u4ed8\u5960\u5b9a\u7528\u6237\u57fa\u7840\u3002<\/li>\n<li><strong>\u653f\u5e9c\u6218\u7565<\/strong>\uff1a\n<ul>\n<li>\u300aMyDigital\u300b\u84dd\u56fe\u76ee\u6807\uff1a\u52302030\u5e74\u6570\u5b57\u7ecf\u6d4e\u5360GDP\u768425%\u3002<\/li>\n<li>\u201c\u65e0\u73b0\u91d1\u793e\u4f1a\u201d\u8ba1\u5212\u63a8\u52a8\u7535\u5b50\u94b1\u5305\u4f7f\u7528\uff08\u5982Touch \u2018n Go eWallet\u3001GrabPay\u7b49\uff09\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. \u652f\u4ed8\u5e02\u573a\u7279\u70b9<\/strong><\/h3>\n<h4><strong>(1) \u591a\u5143\u5316\u7684\u652f\u4ed8\u65b9\u5f0f<\/strong><\/h4>\n<ul>\n<li><strong>\u94f6\u884c\u8f6c\u8d26<\/strong>\uff1aFPX\uff08Financial Process Exchange\uff09\u662f\u4e3b\u6d41\u5b9e\u65f6\u94f6\u884c\u8f6c\u8d26\u7cfb\u7edf\uff0c\u5360\u5728\u7ebf\u4ea4\u6613\u91cf\u768440%\u4ee5\u4e0a\u3002<\/li>\n<li><strong>\u7535\u5b50\u94b1\u5305<\/strong>\uff1a\n<ul>\n<li>Top3\u5e73\u53f0\uff1aTouch \u2018n Go eWallet\uff08\u7528\u6237\u8d851,800\u4e07\uff09\u3001Boost\uff08Axiata\u65d7\u4e0b\uff09\u3001GrabPay\u3002<\/li>\n<li>QR\u7801\u7edf\u4e00\u6807\u51c6DuitNow\u5b9e\u73b0\u8de8\u5e73\u53f0\u4e92\u8054\uff08\u7c7b\u4f3c\u65b0\u52a0\u5761PayNow\uff09\u3002<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u8de8\u5883\u652f\u4ed8<\/strong>\uff1a\n<ul>\n<li>DuitNow\u4e0e\u65b0\u52a0\u5761PayNow\u3001\u6cf0\u56fdPromptPay\u4e92\u8054\u3002<\/li>\n<li>Alipay+\u3001WeChat Pay\u8986\u76d6\u4e2d\u56fd\u6e38\u5ba2\u573a\u666f\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>(2) \u76d1\u7ba1\u4e0e\u521b\u65b0\u5e73\u8861<\/strong><\/h4>\n<ul>\n<li><strong>BNM\uff08\u9a6c\u6765\u897f\u4e9a\u56fd\u5bb6\u94f6\u884c\uff09\u653f\u7b56<\/strong>\uff1a<br \/>\n\u9881\u53d15\u5f20\u6570\u5b57\u94f6\u884c\u724c\u7167\uff08\u5305\u62ecGrab-Singtel\u8054\u8425\u4f53\uff09\uff0c\u63a8\u52a8\u666e\u60e0\u91d1\u878d\u3002<br \/>\n\u8981\u6c42\u6240\u6709\u5546\u62372025\u5e74\u524d\u652f\u6301QR\u7801\u652f\u4ed8\u3002<\/li>\n<\/ul>\n<hr>\n<h3> <strong>(3) Malaysia\u2019s Position in Southeast Asia<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>Country<\/th>\n<th>Digital Economy Size (2023)<\/th>\n<th>E-payment Penetration<\/th>\n<th>Key Strengths<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Malaysia<\/td>\n<td>~$100B<\/td>\n<td>~60% of adults<\/td>\n<td>Strong regulation, bank-wallet integration<\/td>\n<\/tr>\n<tr>\n<td>Singapore<\/td>\n<td>~$80B<\/td>\n<td>&gt;90% Global fintech hub<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Indonesia<\/td>\n<td>~$220B<\/td>\n<td>&gt;50% Massive unbanked population focus<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Thailand<\/td>\n<td>~$50B<\/td>\n<td>&gt;45% PromptPay success<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Key Observations:<br \/>\n\u2022 Malaysia ranks behind Indonesia in scale but leads in regulatory sophistication.<br \/>\n\u2022 Its cross-border linkage initiatives give it a connective role regionally.<\/p>\n<hr>\n<h3> Challenges and Future Outlook<\/h3>\n<p>Challenges:<br \/>\n\u2022 Rural areas still rely on cash (30% of population).<br \/>\n\u2022 Competition from super-apps like Grab dominating wallets.<\/p>\n<p>Opportunities:<br \/>\n\u2022 Islamic digital finance: Malaysia is positioning as a global leader in Sharia-compliant fintech.<br \/>\n\u2022 BNPL growth: Expected to double to $500M by 2025.<\/p>\n<p>Conclusion:<\/p>\n<p>Malaysia acts as a \"regulatory sandbox\" for SEA payments \u2013 less crowded than Singapore but more advanced than emerging markets like Vietnam. Its real impact lies in setting interoperable standards (e.g., DuitNow QR) that could become regional benchmarks.<\/p>\n<h3><strong>\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u751f\u6001\u7684\u6df1\u5316\u53d1\u5c55\u4e0e\u533a\u57df\u534f\u540c\uff08\u7eed\uff09<\/strong><\/h3>\n<h4><strong>4. \u6311\u6218\u4e0e\u75db\u70b9<\/strong><\/h4>\n<p>\u5c3d\u7ba1\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u5e02\u573a\u53d1\u5c55\u8fc5\u901f\uff0c\u4f46\u4ecd\u9762\u4e34\u4ee5\u4e0b\u5173\u952e\u95ee\u9898\uff1a<\/p>\n<ol>\n<li>\n<p><strong>\u73b0\u91d1\u4f9d\u8d56\u5c1a\u672a\u5b8c\u5168\u6d88\u9664<\/strong><\/p>\n<ul>\n<li>\u519c\u6751\u5730\u533a\uff08\u5982\u4e1c\u9a6c\u6c99\u5df4\u3001\u7802\u62c9\u8d8a\uff09\u4ecd\u670930%\u4eba\u53e3\u504f\u597d\u73b0\u91d1\u4ea4\u6613\u3002<\/li>\n<li>\u90e8\u5206\u4e2d\u5c0f\u5fae\u4f01\u4e1a\u56e0\u624b\u7eed\u8d39\u6216\u6280\u672f\u95e8\u69db\u6297\u62d2\u65e0\u73b0\u91d1\u652f\u4ed8\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u7535\u5b50\u94b1\u5305\u5e02\u573a\u7ade\u4e89\u6fc0\u70c8\u4f46\u76c8\u5229\u56f0\u96be<\/strong><\/p>\n<ul>\n<li>Touch \u2018n Go\u3001Boost\u7b49\u5934\u90e8\u5e73\u53f0\u4f9d\u8d56\u8865\u8d34\u83b7\u5ba2\uff0c\u5c1a\u672a\u5b9e\u73b0\u7a33\u5b9a\u76c8\u5229\u3002<\/li>\n<li>Grab\u7b49\u8d85\u7ea7\u5e94\u7528\u901a\u8fc7\u6253\u8f66\u3001\u5916\u5356\u7b49\u9ad8\u9891\u7387\u573a\u666f\u5784\u65ad\u7528\u6237\u9ecf\u6027\uff0c\u672c\u571f\u73a9\u5bb6\u751f\u5b58\u538b\u529b\u5927\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u8de8\u5883\u652f\u4ed8\u7684\u788e\u7247\u5316<\/strong><\/p>\n<ul>\n<li>\u867d\u7136DuitNow\u5df2\u4e0e\u65b0\u52a0\u5761\u3001\u6cf0\u56fd\u4e92\u8054\uff0c\u4f46\u4e0e\u5370\u5c3c\uff08\u4e1c\u5357\u4e9a\u6700\u5927\u5e02\u573a\uff09\u3001\u8d8a\u5357\u7684\u4e92\u901a\u4ecd\u6709\u9650\u3002<\/li>\n<li>\u591a\u5e01\u79cd\u7ed3\u7b97\u6548\u7387\u4f4e\uff0c\u4e2d\u5c0f\u4f01\u4e1a\u8de8\u5883\u8d38\u6613\u6210\u672c\u8f83\u9ad8\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h4><strong>5. \u672a\u6765\u8d8b\u52bf\u4e0e\u673a\u9047<\/strong><\/h4>\n<h5><strong>(1) BNPL\uff08\u5148\u4e70\u540e\u4ed8\uff09\u7684\u7206\u53d1\u589e\u957f<\/strong><\/h5>\n<ul>\n<li>Atome\u3001Split\u7b49BNPL\u670d\u52a1\u5728\u9a6c\u6765\u897f\u4e9a\u5e74\u589e\u901f\u8d8540%\uff0c\u9884\u8ba12025\u5e74\u5e02\u573a\u89c4\u6a21\u8fbe5\u4ebf\u7f8e\u5143\u3002<\/li>\n<li>BNM\u8ba1\u5212\u51fa\u53f0\u76d1\u7ba1\u6846\u67b6\u5e73\u8861\u98ce\u9669\u4e0e\u521b\u65b0\uff0c\u53ef\u80fd\u501f\u9274\u6fb3\u5927\u5229\u4e9a\u201c\u8d1f\u8d23\u4efb\u7684\u501f\u8d37\u201d\u89c4\u5219\u3002<\/li>\n<\/ul>\n<h5><strong>(2) \u4f0a\u65af\u5170\u91d1\u878d\u79d1\u6280\uff08Islamic Fintech\uff09\u7684\u9886\u5148\u5730\u4f4d<\/strong><\/h5>\n<ul>\n<li>\u5168\u7403\u4f0a\u65af\u5170\u91d1\u878d\u8d44\u4ea7\u7ea63\u4e07\u4ebf\u7f8e\u5143\uff0c\u9a6c\u6765\u897f\u4e9a\u536060%\uff08\u5168\u7403\u7b2c\u4e00\uff09\u3002<\/li>\n<li>Ethis\u6295\u8d44\u5e73\u53f0\u3001Wahed\u6570\u5b57\u94f6\u884c\u7b49\u63d0\u4f9b\u7b26\u5408Sharia\u7684\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\uff08\u5982\u7981\u6b62\u5229\u606f\u4f46\u5141\u8bb8\u5229\u6da6\u5206\u6210\uff09\u3002<\/li>\n<\/ul>\n<h5><strong>(3) CBDC\uff08\u592e\u884c\u6570\u5b57\u8d27\u5e01\uff09\u8bd5\u9a8c\u63a8\u8fdb<\/strong><\/h5>\n<ul>\n<li>BNM\u5df2\u5b8c\u6210\u6279\u53d1\u578bCBDC\u6982\u5ff5\u9a8c\u8bc1(Project 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