Zvinogona kuitwa neMalaysia senzvimbo yefintech yedunhu reASEAN

Malaysian Dhijitari Economy Corporation Sdn Bhd ( "MDEC" ) munguva pfupi yapfuura yakazivisa kuti Malaysia ine mukana wekuve dhijitari hubhu hweASEAN sezvo Malaysia iri munzvimbo yekuparadzira kukura kwehupfumi hwedhijitari mudunhu rese. Saizvozvo, Ernst & Young's ASEAN FinTech Census 2018 yakadana Malaysia se "iri kubuda fintech hub muAsia". Hupfumi hwenyika huri kuwedzera kudhijitari, hwakagadzirirwa kusimudzira kuvapo kwekutanga uye kutora vatyairi, pamwe nerutsigiro kubva kuhurumende yeMalaysian nevatongi, ichagadzirawo fintech ecosystem inozoita kuti mukana weMalaysia uve muzinda weupfumi hwedigital. iyo ASEAN dunhu.

Ipo Singapore ichionekera maererano nekuva musika wefintech wakakura mudunhu izvi zvinorevawo kuti pane mukana uri kubuda wemisika isina kusimukira iri kukura nekukurumidza maererano nemari inowanikwa pamusoro, kukura kwevanhu, kuwanikwa pamhepo nekushandisa kwe smartphone. Sekureva kweNetwork Readiness Index ( "NRI" ), Malaysia inoverengerwa panhamba makumi matatu nenena kubva pamakumi matatu nematanhatu enyika maererano nekugadzirira kwavo kuita hupfumi hwenhabvu nenzanga. Ipo Singapore inoverengerwa panhamba 1, dzimwe nyika dzese ASEAN dzakarongedzwa zvakaderera muNRI (ine chinzvimbo pakati pe60 ne80). Ichi chiyero chakakosha kumabhizimusi ari kutsvaga kupinda munyika nyowani sezvo ichigona kuona zviri nyore kuti nyika inogona kutsigira bhizinesi rinovimba neInternet.

Izvi, pamwe nerutsigiro kubva kuhurumende, vanodzora uye vatambi vemaindasitiri, zvinopa Malaysia mikana uye mikana semusika uri kusimuka wekusvika kuSingapore uye uve imba inosarudzika fintech muASEAN.

Kugadzira fintech-inoshamwaridzika indasitiri

Vakuru vakasiyana siyana vekutonga muMalaysia vakagadzira zvirongwa zvakasiyana siyana zvekusimudzira fintech indasitiri, inosanganisira:

• "Mubatanidzwa weFinTech Nharaunda" kana "aFINity @ SC", yakavhurwa neSecurities Commission yeMalaysia (" SC ") munaGunyana 2015. Inzvimbo yakakosha yezvirongwa zvebudiriro pasi peFintech uye inoshanda senzvimbo yekusimudzira kuziva, kukurudzira fintech ecosystem uye nekupa mutemo uye kujekesa kwemutemo kusimudzira zvine mutsigo zvemari yekuvandudza. Mu2019, aFINity yakaona zvibvumirano zana nemakumi mapfumbamwe zvinosanganisira vatori vechikamu makumi masere nemapfumbamwe nenhengo mazana maviri negumi dzakanyoreswa.

• The Financial Technology Enabler Group (" FTEG "), yakagadzwa neBank Negara Malaysia kana Central Bank yeMalaysia (" BNM ") muna Chikumi 2016. Inosanganisira muchinjikwa unoshanda boka mukati meBNM, inova nebasa rekuumba nekusimudzira. yemitemo marongero ekufambisa kutorwa kwehunyanzvi hwekugadzira muindasitiri yeMalasia yezvemari.

• Iyo Fintech Association yeMalaysia (" FAOM "), yakagadzwa nenharaunda ye fintech muMalaysia munaNovember 2016. Inotsvaga kuve mukiyi unobatsira uye chikuva chenyika kutsigira Malaysia kuti ive nzvimbo inotungamira ye fintech hunyanzvi uye kudyara mudunhu. . FAOM inovavarira, pakati pevamwe, kuve izwi renharaunda yeMalaysia yefintech uye kubatana nevatambi vemaindasitiri vanosanganisira vatongi mukugadzira gwara kuitira kusimudzira fintech ecosystem ine hutano.

• Muna Mbudzi 2017, hurumende yeMalasia yakatanga chirongwa cheDhijitari Yemahara Yekushambadzira (" DFTZ ") kufambisa mushambadzi wekutengeserana pamuganhu uye kugonesa mabhizinesi emuno kutumira zvinhu zvavo nechinangwa chee-commerce. Izvi zvinoitwa zviri nyore kuburikidza nekubatana naAlibaba se-e-phethagistiki yezvigadziriso hub uye e-services chikuva uye kumisikidzwa kweKuala Lumpur Internet Guta rinova rinova iro rekutanga dijitari hub yeiyo DFTZ.

• MDEC yakaunza iyo "Malaysia Dhijitari Hub" iyo inotsigira emuno matekinoroji kutanga nekupa, pakati pezvimwe zvinhu, zvivakwa zvekuvabatsira kuti vawedzere pasirese. Izvi zvinosanganisira:

  • kumisikidza "Orbit" senzvimbo yekushandira pamwe fintech kutanga kusimudzira fintech mazano uye kugadzira mukana wevatongi kuburikidza, pakati pevamwe, makota anotonga emabhootamp nekutora chikamu kubva zvese BNM uye SC;

  • kuvhura "Titan", chikuva apo vanotanga vane mikana yakaratidza vanogona kuwedzera bhizinesi ravo uye kusvika muSouth East Asia uye misika yeEurope kuburikidza nemapurogiramu eMDC ekuwana musika;

  • kugadzira matanho akasiyana siyana, akadai seMalasianese Tech Entrepreneur Chirongwa, Global Acceleration uye Innovation Network uye Dhijitari rezveMari Innovation Hub kune, pakati pezvimwe zvinhu, kukurudzira vatangi vefintech kutanga bhizinesi ravo kuMalaysia, kupa mikana yekudyara kwemuno nekunze, kuwedzera kwavo musika unosvika uye mhanyisa hunyanzvi mumadhijitari emari masevhisi; uye

  • kumisikidza yakazvipira Islamic Dhijitari Economy yuniti uye nekuita kuti riwanike bhodhi revaShariah vanachipangamazano kubatsira fintech kutanga kwekutanga kuita yavo yemari zvigadzirwa Shariah inoenderana. Kuita izvi kunogona kuvabatsira kuti vapinde muhupfumi hwepasi rose hweIslam hunotarisirwa kukura kusvika padanho reUSD3 trillion na2021.

• BNM's Interoperable Credit Transfer Framework mutemo wakapihwa munaKurume 2018. Mutemo uyu wakanangana nekugadzira mari isina mari muMalaysia, kukurudzira inoshanda, kukwikwidza uye kugadzirisa mhinduro dzemubhadharo, uye kusimudzira kukwikwidzana kwekubatana pakati pemabhangi uye isiri-bhangi mari yemagetsi (e-mari) vanopa kuburikidza neyakaenzanirana uye yakavhurika mukana wekugovana zvivakwa zvekubhadhara.

• Masangano akasiyana siyana nemitumbi inodzora muMalaysia yakaunza, pakati pevamwe, mari inotevera / zvivakwa / zvinokurudzira zvitsva uye zvinokura fintech kutanga:

  • SC yakaunza mutemo wekuteedzera kune vezera-kune-vezera (P2P) kukweretesa pasi peGwara rayo paMakambani Anozivikanwa;

• Malaysia Chikwereti Ventures Berhad yakatanga Intellectual Property Financing Scheme kuti makambani ashandise kodzero dzavo dzepfuma sechibatiso chechikwereti;

• Bazi rezveMari rakamisikidzwa Cradle Fund Sdn. Bhd. Kupa, pakati pevamwe, mari uye rubatsiro rwekudyara pamwe nerutsigiro rwekutengesa, kudzidzisa uye mamwe masevhisi akawedzera-kukosha kune angangoita uye epamusoro-caliber tech kutanga; uye

• Makambani eICT ane "Multimedia Super Corridor (MSC) Malaysia" chinzvimbo chakapihwa neMDC ichakwanisa kunakidzwa kusvika pamazana zana muzana mutero wemutero kwemakore mashanu, ayo anogona kuwedzerwa mamwe makore mashanu.

• FAOM iri mukukurukurirana neLabuan IBFC neLabuan FSA mukufambisa mabhizinesi kuMalaysia nekune dzimwe nyika kuti ishandise iyo yakasarudzika yehurongwa hwezvemari hweLabuan hwakatarisana nekutangisa kwefintech, maSME, makambani ekukura uye anotyisa ayo anotsvaga kutora mari dzekune dzimwe nyika nemari.

Dhijitari mutemo kusimudzira muMalaysia

Hurumende yeMalasian pamwe nehutongi hwakasiyana siyana muMalaysia vakagadzira nzira dzinoverengeka dzekusimudzira nekusimudzira hutano hwakanaka muMalaysian fintech nedigital asset inodzora nzvimbo.

Rutsigiro rwunotambirwa kubva kumasangano ehurumende nevatongi muMalaysia haungowedzere kugona kweMalaysia kuve dhijitari uye fintech hub yenharaunda yeASEAN. Izvo zvaizo shandurawo mamiriro emari eMalaysia uko vanogadzira mitemo, vatongi, fintech mafemu, masangano ezvemari, vatengi uye vadzidzisi vanokwanisa kubatana zvakanyanya kugadzira ramangwana reindasitiri yebasa rezvemari iyo isiri yakachengeteka chete, asi zvakare yakaomesesa uye inoenderera.

Chinyorwa ichi chakatanga kuburitswa neZico Mutemo munaGunyana 2019. Yakagadzirwa zvakare nemvumo yemhando kubva kuZico Mutemo.

Verenga zvimwe

• Labuan, Malaysia yakagadziridzwa mumatunhu edu eAsia
• Labuan kambani Kunyoresa