Malaysiaasar Malaysia a matsayin cibiyar fasaha ta finafinai na yankin ASEAN

Kamfanin Tattalin Arziki na Malesiya Sdn Bhd ( "MDEC" ) ya sanar kwanan nan cewa Malaysia na da damar zama cibiyar dijital ta ASEAN kamar yadda Malaysia ke cikin wani yanayi don yaɗa ci gaban tattalin arzikin dijital a duk yankin. Hakanan, nididdigar ASEAN FinTech na Ernst & Young 2018 wanda aka yiwa lakabi da Malaysia a matsayin “fitacciyar cibiyar fasahar finafinai a Asiya”. Tattalin arzikin kasar da ke bunkasa ta hanyar zamani, wanda aka kera shi don bunkasa masu farawa da kuma jawo masu saka jari, tare da tallafi daga gwamnatin Malaysia da masu mulki, zai kuma samar da ingantaccen yanayin kimiyyar kere-kere wanda zai ba da gudummawa ga damar Malesiya ta zama cibiyar tattalin arzikin dijital na yankin ASEAN.

Yayinda Singapore ta yi fice ta fuskar kasancewar ta cikakkiyar kasuwar fintech a yankin wannan kuma yana nufin cewa akwai wata dama mai tasowa ga kasuwannin da basu ci gaba ba wadanda ke bunkasa cikin sauri ta fuskar samun kudin shiga ga kowane mutum, karuwar yawan mutane, shiga yanar gizo da kuma amfani da wayoyin zamani. Dangane da Shafin Farko na Yanar Gizo ( "NRI" ), Malaysia tana cikin lamba 31 a cikin ƙasashe 139 dangane da shirye-shiryensu na canzawa zuwa tattalin arziƙi da zamantakewar jama'a. Yayinda Singapore ke cikin lamba 1, sauran ƙasashen ASEAN sun kasance ƙasa da ƙasa a cikin NRI (tare da matsayi tsakanin 60 da 80). Wannan matakin yana da mahimmanci ga ' yan kasuwar da ke neman shiga sabbin kasashe saboda yana iya tantance cikin sauki idan kasar za ta iya tallafawa kasuwancin da ya dogara da Intanet.

Wannan, tare da tallafi daga gwamnati, masu mulki da masana'antar masana'antu, suna ba Malaysia dama da dama a matsayin kasuwa mai tasowa don kamawa zuwa Singapore kuma ya zama babban fintech gida a cikin ASEAN.

Irƙirar masana'antar ƙarancin fasaha

Authoritiesungiyoyin hukumomi da yawa a cikin Malesiya sun kafa matakai daban-daban don haɓaka masana'antar fintech, gami da:

• "Alliance of FinTech Community" ko "aFINity @ SC", an ƙaddamar da shi ne daga Hukumar Tsaro ta Malesiya (" SC ") a watan Satumban 2015. Yana da maƙasudin maƙasudin ayyukan ci gaba a ƙarƙashin Fintech kuma yana aiki a matsayin cibiya don haɓaka wayar da kan jama'a, kula da yanayin kimiyyar kere-kere na kere kere da samar da manufofi da tsaftataccen tsari don inganta sabbin hanyoyin kirkirar kudi. A cikin 2019, aFINity ya ga gudummawar 109 wanda ya shafi mahalarta 91 tare da jimlar mambobi mambobi 210.

• Technologyungiyar Enabler ta Fasaha ta Kudi (" FTEG "), ta kafa ta Bankin Negara Malaysia ko Babban Bankin Malaysia (" BNM ") a cikin Yunin 2016. Ya ƙunshi ƙungiyar aiki ta giciye a cikin BNM, wanda ke da alhakin samarwa da haɓakawa. na manufofin kwastomomi don sauƙaƙe karɓar sabbin abubuwan fasaha a masana'antar sabis ɗin kuɗi na Malesiya.

• Finungiyar Fintech ta Malesiya (" FAOM "), an kafa ta ne a cikin ƙungiyar fintech a cikin Malesiya a watan Nuwamba na 2016. Tana neman zama babban mai ba da dama da kuma dandamali na ƙasa don tallafa wa Malaysia don zama babbar cibiyar haɓaka ƙirar fintech da saka hannun jari a yankin. . FAOM tana da niyya, tare da wasu, don zama muryar al'ummar fintech ta Malaysia da kuma yin hulɗa tare da playersan wasan masana'antun gami da masu mulki a cikin tsara manufofi don haɓaka ƙoshin lafiya na fintech.

• A watan Nuwamba na 2017, gwamnatin Malaysia ta ƙaddamar da Yankin Kasuwancin Kyauta na Dijital (" DFTZ ") don sauƙaƙe kasuwancin cinikayyar kan iyakoki tare da bawa businessesan kasuwar cikin gida damar fitar da kayayyakinsu tare da fifiko ga kasuwancin intanet. Ana yin wannan a sauƙaƙe ta hanyar haɗin gwiwa tare da Alibaba a matsayin cibiyar e-cikar kayan aiki da dandamali na e-sabis da kuma kafa Kuala Lumpur Internet City wanda zai zama babban cibiya ta dijital ta farko ga DFTZ.

• MDEC ta gabatar da "Malaysia Digital Hub" wanda ke tallafawa farawar fasahar gida ta hanyar samarwa, a tsakanin sauran abubuwa, wurare don taimaka musu faɗaɗa duniya. Wannan ya hada da:

  • kafa "Orbit" a matsayin sararin haɗin gwiwa don fara fintech don ƙarfafa ƙirar dabarun fintech da ƙirƙirar samun dama ga masu mulki ta hanyar, da sauransu, kwastomomi na kwastomomi kwata-kwata tare da haɗin gwiwa daga duka BNM da SC;

  • ƙaddamar da "Titan", wani dandamali inda farawa tare da tabbatacciyar damar zai iya faɗaɗa kasuwancinsu ya isa kasuwannin Kudu maso Gabashin Asiya da Turai ta hanyar shirye-shiryen samun kasuwa na MDEC;

  • ƙirƙirar ƙira daban-daban, kamar su Shirin Kasuwancin Technian Malesiya, Hanzarin Gaggawar Duniya da Innovation na Yanar gizo da kuma Injin Bunkasar Injiniyan Kuɗi don, a tsakanin waɗancan abubuwa, ƙarfafa masu ƙirar fintech su kafa kasuwancin su a Malesiya, samar da dama don saka hannun jari na cikin gida da na waje. samun kasuwa da hanzarta kirkire-kirkire a cikin ayyukan hada-hadar kudi; kuma

  • kafa keɓaɓɓun rukunin Tattalin Arziki na Muslunci da samar da kwamiti na mashawarcin Shariah don taimakawa fara fintech fara samfuran kuɗi su zama masu bin Shariah. Yin hakan na iya taimaka musu shiga cikin tattalin arzikin musulinci na duniya wanda ake sa ran zai haura zuwa triliyan USD3 nan da shekarar 2021.

• BNM's Interoperable Transfer Transfer Framework an fito da tsarin ne a watan Maris na 2018. Wannan manufar tana nufin ƙirƙirar yanayin biyan kuɗi ba tare da kuɗi ba a cikin Malesiya, haɓaka ingantaccen, gasa da hanyoyin biyan kuɗi na zamani, da haɓaka gasa ta haɗin gwiwa tsakanin bankuna da banki na banki na lantarki (e-kudi) masu bayarwa ta hanyar ingantacciyar hanya da buɗaɗɗiya don abubuwan biyan kuɗi.

• Cibiyoyi daban-daban da hukumomin gudanarwa a cikin Malesiya sun samar da su, da sauransu, waɗannan kuɗaɗen / cibiyoyin / abubuwan ƙarfafawa don sabbin hanyoyin fara fintech:

  • SC ta gabatar da tsarin tsari don ba da rancen tsara-zuwa-tsara (P2P) a ƙarƙashin Jagororinta na Kasuwannin Da Aka Gane;

• Kamfanoni na Bashi na Malesiya Berhad ya fara aiwatar da wani tsari na bayar da Kuɗaɗen Kuɗi don mallakar kamfanoni don baiwa kamfanoni damar yin amfani da haƙƙin mallakinsu a matsayin jingina na lamuni;

• Ma’aikatar Kudi ta kafa Kamfanin Cradle Fund Sdn. Bhd. Don samarwa, tare da wasu, kudade da taimakon saka jari gami da tallafin kasuwanci, koyawa da sauran ayyuka masu kara darajar masu amfani da fasahar kere-kere da fasaha; kuma

• Kamfanonin ICT tare da matsayin "Multimedia Super Corridor (MSC) Malaysia" wanda MDEC ta bayar za su iya jin daɗin har zuwa 100% keɓance harajin samun kuɗi na shekaru biyar, wanda za a iya tsawaita na wasu shekaru biyar.

• FAOM tana tattaunawa da Labuan IBFC da Labuan FSA kan sauƙaƙa harkokin kasuwanci a cikin Malesiya da ƙasashen waje don amfani da keɓaɓɓiyar tsarin kula da harkokin kuɗi na Labuan da ke mai da hankali kan fara fintech, SMEs, haɓaka da kamfanoni masu haɓaka waɗanda ke neman shiga hannun jari da kuɗaɗen ƙasashen waje.

Ci gaban dokar dijital a cikin Malesiya

Gwamnatin Malaysia da hukumomin kula da tsari daban-daban a Malaysia sun kafa wasu dabaru don ingantawa da tallafawa ingantaccen ci gaba a fannin fasahar kere kere ta Malaysia da tsarin kula da kadara na dijital.

Tallafin da aka samu daga hukumomin gwamnati da masu mulki a cikin Malesiya ba wai kawai zai kara karfin Malesiya ya zama cibiyar dijital da fintech ga yankin ASEAN ba. Hakanan zai canza yanayin tattalin arzikin Malesiya inda masu tsara siyasa, masu mulki, kamfanonin fintech, cibiyoyin kudi, masu amfani da masu ilmantarwa zasu iya hada kai sosai don samar da makomar masana'antar ba da kudi wanda ba shi da aminci kawai, amma kuma mai ci gaba ne.

Dokar Zico ta fara buga wannan labarin a cikin Satumba 2019. An sake buga shi tare da izini mai kyau daga Dokar Zico.

Kara karantawa

• Labuan, Malaysia an sabunta shi a cikin jerin hukunce-hukuncenmu a Asiya
• Rijistar kamfanin Labuan