Fintech startups consider Malaysia is great potential and is worth developing

Fintech has gradually taken root in various fields, and has gradually attracted the attention of advanced countries such as China and the United States.

But in Malaysia, fintech is still in its infancy. Although related companies have appeared on the market, they are not yet considered mainstream.

Fintech faces many challenges in Malaysia, including traditional financial culture, regulatory measures, and a lack of expertise. These are the difficulties we must address in order to popularize Fintech.

According to data by Bank Negara Malaysia, online banking is still the main way Malaysians conduct transactions, with an online banking penetration rate of 85.1%. The way Malaysians most commonly use fintech is mobile payment, via e-wallet or mobile banking. This is the most important service provided by Malaysia’s financial technology. In future, the number of consumers who use e-wallets will only increase.

Although the Malaysian market is not yet mature, many fintech startups think this is a market that shows great potential and is worth developing.

金融科技已经逐渐在各个领域扎根,也逐渐获得一些先进国家的关注例如中国、美国。

但在马来西亚,金融科技仍然处于起步阶段,虽然已有相关的公司出现在市场上,但仍然未普及。

金融科技在马来西亚面对不少挑战,包括传统金融文化、监管措施、专才匮乏,这些都是我们必须解决的的困难,才能让金融科技进一步普及化。

但根据国家银行的统计数据,网上银行仍然是大马人进行交易的主要渠道,网上银行渗透率高达85.1%。大马人最常接触金融科技的一环,就是通过电子钱包或手机银行进行的移动支付。这项服务服务是大马金融科技最重要的板块,而且在未来,使用电子钱包的消费者还会逐渐增加。

虽然大马的市场尚未成熟,但对于许多金融科技创企公司来说,马来西亚是个具有发展潜力也是值得开发的市场。