Kutha kwa Malaysia ngati likulu la fintech m'chigawo cha ASEAN

Bungwe la Malaysian Digital Economy Corporation Sdn Bhd ( "MDEC" ) yalengeza posachedwa kuti Malaysia itha kukhala likulu la ASEAN popeza Malaysia ikutha kufalitsa kukula kwachuma cha digito kudera lonselo. Momwemonso, Ernst & Young's ASEAN FinTech Census 2018 idatcha Malaysia ngati "malo omwe akutuluka ku fintech ku Asia". Chuma chomwe chikuchulukirachulukira mdziko muno, chomwe chimapangidwa kuti chikulimbikitse kupezeka kwa anthu oyambira ndikuwonjezera ndalama kwa omwe adzagulitse ndalama, limodzi ndi thandizo lochokera kuboma la Malaysia ndi owongolera, zipanganso zachilengedwe za fintech zomwe zingathandize kuti dziko la Malaysia likhale likulu lazachuma cha digito dera la ASEAN.

Pomwe Singapore imadziwika kuti ndi msika wokhwima mwa fintech mderali izi zikutanthauzanso kuti pali mwayi wopezeka m'misika yopanda chitukuko yomwe ikukula mwachangu pamutu, kuchuluka kwa anthu, kugwiritsa ntchito intaneti komanso kugwiritsa ntchito mafoni. Malinga ndi Network Readiness Index ( "NRI" ), Malaysia ili pa nambala 31 kuchokera m'maiko 139 pofunitsitsa kusinthira pachuma komanso pagulu ladijito. Pomwe Singapore ili pa nambala 1, mayiko ena onse a ASEAN adakhala otsika kwambiri mu NRI (okhala pakati pa 60 ndi 80). Izi ndizofunikira kwa mabizinesi omwe akufuna kulowa mayiko atsopano chifukwa zitha kudziwa ngati dzikolo lingathandizire bizinesi yomwe imadalira pa intaneti.

Izi, kuphatikiza thandizo lochokera kuboma, owongolera ndi omwe akuchita nawo mafakitale, zimapatsa mwayi waku Malaysia mwayi komanso mwayi ngati msika wamsika wofika ku Singapore ndikukhala nyumba yokomera fintech ku ASEAN.

Kupanga msika wokonda fintech

Mabungwe osiyanasiyana ku Malaysia akhazikitsa njira zingapo zolimbikitsira makampani a fintech, kuphatikiza:

• "Alliance of FinTech Community" kapena "aFINity @ SC", idakhazikitsidwa ndi Securities Commission of Malaysia (" SC ") mu Seputembara 2015. Ndi malo achitukuko cha Fintech ndipo ndi malo olimbikitsira anthu, kulera zachilengedwe za fintech ndikupereka malingaliro ndi kuwunikira koyenera kuti lipititse patsogolo luso lazachuma. Mu 2019, aFINity idawona zochitika 109 zophatikiza omwe akutenga nawo mbali 91 ndi mamembala onse a 210 olembetsedwa.

• Financial Technology Enabler Group (" FTEG "), idakhazikitsidwa ndi Bank Negara Malaysia kapena Central Bank of Malaysia (" BNM ") mu Juni 2016. Ili ndi gulu logwirira ntchito mkati mwa BNM, lomwe limayang'anira ntchito yopanga ndi kupititsa patsogolo Ndondomeko zoyendetsera ntchito kuti zithandizire kukhazikitsidwa kwaukadaulo m'makampani azachuma ku Malawi.

• Fintech Association of Malaysia (" FAOM "), idakhazikitsidwa ndi gulu la fintech ku Malaysia mu Novembala 2016. Ikufuna kukhala mtsogoleri wofunikira komanso nsanja yadziko yothandizira Malaysia kuti ikhale likulu lotsogola pakupanga fintech ndikubzala m'derali . FAOM ikufuna, mwa ena, kukhala liwu la gulu la fintech ku Malaysia komanso kuchita nawo ochita nawo mafakitale kuphatikiza owongolera pakupanga mfundo kuti alimbikitse chilengedwe cha fintech.

• Mu Novembala 2017, boma la Malawi lidakhazikitsa Digital Free Trade Zone (" DFTZ " yake) kuti igwire ntchito yopanda malire yopanga malire ndikulola mabizinesi akumayiko ena kutumiza katundu wawo kunja kwa malonda a e-commerce. Izi zimachitika mosavuta kudzera pakulumikizana ndi Alibaba ngati malo ogwirira ntchito ndi e-services platform ndikukhazikitsa Kuala Lumpur Internet City komwe kudzakhala likulu la digito ku DFTZ.

• MDEC idakhazikitsa "Malaysia Digital Hub" yomwe imathandizira kuyambitsa ukadaulo wakomweko popereka, mwazinthu zina, malo owathandizira kuti athe kukulira padziko lonse lapansi. Izi zikuphatikiza:

  • kukhazikitsa "Orbit" ngati malo ogwirira ntchito poyambira fintech kulimbikitsa malingaliro a fintech ndikupanga mwayi kwa owongolera kudzera mwa, mwa ena, ma bootcamp oyendetsera kotala ndi kutenga nawo mbali kuchokera ku BNM ndi SC;

  • kukhazikitsa "Titan", nsanja pomwe oyambira omwe ali ndi kuthekera kotsimikizika atha kukulitsa bizinesi yawo ndikufika mumisika yaku South East Asia ndi Europe kudzera m'mapulogalamu a MDEC;

  • kupanga njira zosiyanasiyana, monga Malaysian Tech Entrepreneur Program, Global Acceleration and Innovation Network ndi Digital Finance Innovation Hub kuti, pakati pazinthu zina, alimbikitse oyambitsa fintech kukhazikitsa bizinesi yawo ku Malaysia, kupereka mwayi wazogulitsa zakunja ndi zakunja, kukulitsa Kufikira msika ndikufulumizitsa zatsopano muntchito zachuma zadijito; ndipo

  • kukhazikitsa gawo lodzipereka la Islamic Digital Economy ndikupanga gulu la alangizi a Shariah kuti athandizire oyambitsa fintech kupanga malonda awo Shariah ovomerezeka. Kuchita izi kungawathandize kuyambitsa chuma cha Chisilamu padziko lonse lapansi chomwe chikuyembekezeka kukula mpaka USD3 trilioni pofika 2021.

• BNM's Interoperable Credit Transfer Framework idaperekedwa mu Marichi 2018. Lamuloli likufuna kukhazikitsa njira zolipirira ndalama zopanda ndalama ku Malaysia, kulimbikitsa njira zabwino, zopikisana komanso zopindulitsa, komanso kulimbikitsa mpikisano wothandizirana pakati pa mabanki ndi omwe siabanki ndalama zamagetsi (e-ndalama) opereka kudzera munjira yoyenera komanso yotseguka yazomangamanga zolipira.

• Mabungwe osiyanasiyana ndi mabungwe oyang'anira ku Malaysia adapereka, mwa zina, ndalama / malo / zolimbikitsira poyambira kumene ndikukula kwa fintech:

  • SC idakhazikitsa njira zoyendetsera kubwereketsa anzawo (P2P) potsatira malangizo ake pamisika yodziwika;

• Ngongole zaku Malaysia Berntures Berhad adayambitsa Ndondomeko Yoyendetsera Zinthu Zamaphunziro a Intellectual Property Scheme kuti makampani azigwiritsa ntchito ufulu wawo waluso ngati chikole;

• Ministry of Finance idakhazikitsa Cradle Fund Sdn. Bhd. Kupereka, pakati pa ena, ndalama ndi ndalama zothandizira ndalama komanso kuthandizira kutsatsa, kuphunzitsa ndi ntchito zina zowonjezera phindu kwa omwe angayambitse ukadaulo wapamwamba; ndipo

• Makampani a ICT omwe ali ndi "Multimedia Super Corridor (MSC) Malaysia" omwe apatsidwa ndi MDEC azitha kusangalala ndi kuchotsera msonkho kwa 100% kwa zaka zisanu, zomwe zitha kupitilizidwa kwa zaka zina zisanu.

• FAOM ikukambirana ndi Labuan IBFC ndi Labuan FSA pakuthandizira mabizinesi aku Malaysia ndi akunja kuti agwiritse ntchito kayendedwe kazachuma ka Labuan koyang'ana kuyambitsa kwa fintech, ma SME, makampani okula komanso owopsa omwe akufuna kupeza ndalama zakunja ndi ndalama.

Kukula kwamalamulo a digito ku Malaysia

Boma la Malawi ndi oyang'anira osiyanasiyana ku Malaysia akhazikitsa njira zingapo zolimbikitsira ndikuthandizira chitukuko chabwinobwino m'malo owongolera aku Malaysia fintech ndi digito.

Thandizo lomwe limalandiridwa ndi mabungwe aboma ndi owongolera ku Malaysia silingowonjezera mwayi waku Malaysia kukhala likulu la digito ndi fintech mdera la ASEAN. Zingasinthenso malo azachuma aku Malaysia pomwe opanga mfundo, owongolera, makampani a fintech, mabungwe azachuma, ogula ndi ophunzitsa amatha kugwirira ntchito limodzi kuti apange tsogolo lazamalonda lomwe silili lotetezeka komanso lokhazikika komanso lokhazikika.

Nkhaniyi idasindikizidwa koyamba ndi Zico Law mu Sep 2019. Yotulutsidwa ndi chilolezo kuchokera ku Zico Law.

Werengani zambiri

• Labuan, Malaysia yasinthidwa m'ndandanda yamalamulo ku Asia
• Kulembetsa kampani ku Labuan