Isakhono seMalaysia njengehabhu ye-fintech yommandla we-ASEAN

I-Malaysian Digital Economy Corporation i-Sdn Bhd ( "MDEC" ) kutshanje ibhengeze ukuba iMalaysia inamandla okuba yi-digital hub ye-ASEAN njengoko iMalaysia ikwimo yokusasaza ukukhula koqoqosho lwedijithali kuwo wonke loo mmandla. Ngokunjalo, i-Ernst & Young's ASEAN FinTech Census 2018 yabiza iMalaysia njenge "fintech hub eAsia". Uqoqosho lwelizwe olwandayo lwedijithali, olulungiselelwe ukonyusa ubukho bokuqalisa kunye nokutsala abatyali mali, kunye nenkxaso evela kurhulumente nabaphathi baseMalaysia, iyakuthi nayo yenze inkqubo ye-fintech ecosystem eya kuba negalelo kubuchule beMalaysia ukuba ibe liziko loqoqosho lwedijithali Ummandla we-ASEAN.

Ngelixa iSingapore ibalasele ngokuba yimakethi ye-fintech esele ikhulile kwingingqi oku kuthetha ukuba kukho ithuba elivelayo lokuthengisa okungaphuhliswanga okukhula ngokukhawuleza ngokwemali yengeniso entloko, ukukhula kwabemi, ukufikelela kwi-Intanethi kunye nokusetyenziswa kwe-smartphone. Ngokwe-Index Readiness Index ( "NRI" ), iMalaysia ibekwe kwindawo yenani lama-31 kumazwe ali-139 malunga nokulungela kwabo ukutshintshela kuqoqosho lwedijithali nakuluntu. Ngelixa iSingapore ikwinqanaba le-1, amanye amazwe e-ASEAN abekwa kwinqanaba eliphantsi kwi-NRI (inqanaba phakathi kwe-60 kunye ne-80). Eli nyathelo libalulekile kumashishini ajonge ukungena kumazwe amatsha njengoko inokuchonga ngokulula ukuba ilizwe liyakwazi ukuxhasa ishishini elixhomekeke kwi-Intanethi.

Oku, kudityaniswe nenkxaso evela kurhulumente, abalawuli kunye nabadlali bemizi-mveliso, banika iMalaysia amathuba kunye nezinto ezinokubakho njengemarike evelayo yokufikelela eSingapore nokuba ibe likhaya elikhethiweyo le-fintech e-ASEAN.

Ukwenza ishishini elinobuhlobo be-fintech

Abasemagunyeni abohlukeneyo baseMalaysia baseke amanyathelo ahlukeneyo okukhuthaza ishishini le-fintech, kubandakanya:

• "Umanyano loLuntu lwaseFinTech" okanye "aFINity @ SC", yasungulwa yiKhomishini yoKhuseleko yaseMalaysia (" SC ") ngeyoMsintsi 2015. Yindawo ephambili kumalinge ophuhliso phantsi kweFintech kwaye isebenza njengendawo yokwazisa abantu, ukukhulisa i-fintech ecosystem kunye nokubonelela ngomgaqo-nkqubo kunye nokucaca kwezomthetho ukukhuthaza ukwenziwa kwezemali ngendlela efanelekileyo. Kwi-2019, i-aFINity ibone ukubandakanyeka kwe-109 ebandakanya abathathi-nxaxheba abangama-91 benamalungu angama-210 abhalisiweyo.

• Iqela lezeMali leTekhnoloji yezeMali (" FTEG "), lasekwa yi-Bank Negara Malaysia okanye i-Central Bank yaseMalaysia (" BNM ") ngeyeSilimela ngo-2016. Iquka iqela elisebenza ngokunqamleza ngaphakathi kwi-BNM, elinoxanduva lokuqulunqa nokuphucula. yemigaqo-nkqubo yokulawula ukuququzelela ukwamkelwa kobugcisa kwishishini leenkonzo zezezimali zaseMalaysia.

• Umbutho we-Fintech waseMalaysia ("i- FAOM "), wasekwa luluntu lwe-fintech eMalaysia ngo-Novemba ka-2016. Ifuna ukuba ngumnxibelelanisi ophambili kunye neqonga lesizwe lokuxhasa iMalaysia ukuba ibe liziko eliphambili lokwenza izinto ezintsha ze-fintech kunye notyalo-mali kwingingqi. . I-FAOM ijolise, phakathi kwezinye izinto, ukuba lilizwi labantu baseMalaysia be-fintech kunye nokuzibandakanya nabadlali beshishini kubandakanya nabalawuli ekwenzeni umgaqo-nkqubo ukuze kukhuthazwe inkqubo yefintech ecosystem.

• Ngo-Novemba ka-2017, urhulumente wase-Malaysia waphehlelela i-Digital Free Trade Zone (" DFTZ ") ukuququzelela urhwebo olunqamlezayo olunqamlezayo kunye nokwenza ukuba amashishini asekuhlaleni athumele iimpahla zawo ngaphandle kwezorhwebo. Oku kwenziwa ngokulula ngokubambisana no-Alibaba njengendawo yokufezekiswa kwe-e kunye neqonga leenkonzo ze-e kunye nokusekwa kweKuala Lumpur Internet City eya kuba yindawo ephambili yedijithali ye-DFTZ.

• I-MDEC yazisa i "Malaysia Digital Hub" exhasa ubuchwephesha bendawo ngokubonelela, phakathi kwezinye izinto, izibonelelo zokubanceda ukuba bandise kwihlabathi liphela. Oku kubandakanya:

  • ukuseka "i-Orbit" njengendawo yokusebenzisana yokuqalisa kwe-fintech ukukhuthaza iingcamango ezintsha ze-fintech kunye nokwenza ukufikelela kubalawuli, phakathi kwezinye izinto, ii-bootcamp zolawulo zekota ngokuthatha inxaxheba kuzo zombini i-BNM kunye ne-SC;

  • ukumiliselwa kwe "Titan", iqonga apho ukuqala ngamathuba aqinisekisiweyo kunokwandisa ishishini labo kwaye kufikelele kwiimarike zoMzantsi Mpuma Asia naseYurophu ngeenkqubo zokufikelela kwimakethi ze-MDEC;

  • ukudala amanyathelo ahlukeneyo, anje ngeNkqubo yezoMashishini zaseTshayina zaseMalaysian, iNkqubo yokuKhawuleziswa kweHlabathi kunye neNethiwekhi yoTshintsho kunye neDijithali yezeDigital Innovation Hub, phakathi kwezinye izinto, ukukhuthaza abasunguli be-fintech ukuseta ishishini labo eMalaysia, ukubonelela ngamathuba otyalo-mali lwasekhaya nakwamanye amazwe, bandise Ukufikelela kwintengiso kunye nokukhawulezisa ukutsha kweenkonzo zemali zedijithali; kwaye

  • ukumisela iyunithi yezoQoqosho kwiDijithali yedijithali ezinikezelweyo kunye nokwenza ukuba kufumaneke ibhodi yabacebisi be-Shariah ukunceda ukuqala kwe-fintech ukwenza iimveliso zabo zezemali zihambisane ne-Shariah. Ukwenza njalo kunokubanceda bangene kuqoqosho lwehlabathi lwamaSilamsi ekulindeleke ukuba lukhule luye kwi-USD3 trillion ngowama-2021.

• Umgaqo-nkqubo we-BNM osebenzisekayo weSakhelo sokuTshintshiselwa ngeKhredithi wakhutshwa ngoMatshi 2018. Lo mgaqo-nkqubo ujonge ukudala indawo yokuhlawula ngaphandle kwemali ezinkozo eMalaysia, ukukhuthaza ngokufanelekileyo, ukukhuphisana kunye nezisombululo zentlawulo ezintsha, kunye nokukhuthaza ukhuphiswano lwentsebenziswano phakathi kweebhanki kunye nemali ye-elektroniki engeyiyo eyebhanki (e-imali) abenzi ngokufikelela ngokukuko nangokuvulekileyo kwiziseko zentlawulo ekwabelwana ngazo

• Amaziko awahlukeneyo kunye namaqumrhu olawulo eMalaysia enze ukuba kufumaneke, phakathi kwezinye izinto, ezi nkxaso-mali / amaziko / izikhuthazi zilandelayo zokuqalisa kunye nokukhula kweziqalo zefintech:

  • I-SC yazisa ngomgaqo-sikhokelo olawula ukubolekisana koontanga (P2P) phantsi kweZikhokelo zayo kwiiMakethe eziMiselweyo;

• Amatyala eMalaysia i-Ventures Berhad iqale iNkqubo yeNkxaso mali yePropathi enomgangatho ophezulu yokwenza ukuba iinkampani zisebenzise amalungelo azo epropathi enomgangatho ophezulu wokuqonda njengesiqinisekiso semali mboleko;

• Icandelo loMphathiswa Wezimali liseke iCradle Fund Sdn. Bhd. Ukubonelela, phakathi kwezinye izinto, inkxaso-mali kunye noncedo lotyalo-mali kunye nenkxaso yorhwebo, uqeqesho kunye nezinye iinkonzo ezongezwe ngexabiso kwizinto ezinokubakho neziqalayo kubuchwephesha obuphezulu; kwaye

• Iinkampani ze-ICT ezinesimo se- "Multimedia Super Corridor (MSC) eMalaysia" ezinikezwe yi-MDEC ziya kuba nakho ukonwabela ukuya kuthi ga kwi-100% yokuxolelwa kwirhafu yeminyaka emihlanu, enokwandiswa eminye iminyaka emihlanu.

• I-FAOM ikwiingxoxo neLabuan IBFC kunye neLabuan FSA ekuququzeleleni amashishini eMalaysia nakwamanye amazwe ukuba basebenzise ukungafani kwesakhelo sezemali saseLabuan esigxile kuqaliso lwe-fintech, ii-SMEs, ukukhula kunye neenkampani ezinobungozi ezifuna ukucofa kutyalo-mali lwangaphandle nakwimali.

Uphuhliso lomthetho wedijithali eMalaysia

Urhulumente waseMalaysia kunye nabasemagunyeni abahlukeneyo baseMalaysia baseke amanyathelo aliqela ukukhuthaza kunye nokuxhasa uphuhliso olusempilweni kwi-fintech yaseMalaysia kunye nolawulo lweasethi yedijithali.

Inkxaso efunyenwe kwiiarhente zikarhulumente kunye nabalawuli eMalaysia ayizukunyusa kuphela amandla eMalaysia ukuba abe liziko ledijithali kunye nefintech yengingqi ye-ASEAN. Iya kuguqula imeko yezemali yaseMalaysia apho abenzi bomgaqo-nkqubo, abalawuli, iifemech femech, amaziko ezezimali, abathengi kunye nootitshala bayakwazi ukusebenzisana ngokusondeleyo ukwenza ikamva lenkonzo yezezimali engakhuselekanga kuphela, kodwa ephucukileyo kwaye ezinzileyo.

Eli nqaku lapapashwa okokuqala ngu-Zico Law ngo-Septemba ka-2019. Iveliswe kwakhona ngemvume yohlobo oluvela kwiZico Law.

Funda ngokugqithisileyo

• ILabuan, iMalaysia ihlaziyiwe kuluhlu lwethu lwezikhundla eAsia
• Ubhaliso lwenkampani yaseLabuan