{"id":3291,"date":"2021-10-01T09:23:11","date_gmt":"2021-10-01T09:23:11","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=3291"},"modified":"2023-11-30T09:48:08","modified_gmt":"2023-11-30T09:48:08","slug":"digital-banking-will-increase-financial-inclusion-in-malaysia","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/chi\/digital-banking-will-increase-financial-inclusion-in-malaysia\/","title":{"rendered":"Digital Banking Will Increase Financial Inclusion in Malaysia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3291\" class=\"elementor elementor-3291\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ace981 elementor-section-full_width xts-section-stretch-content elementor-section-height-default elementor-section-height-default\" data-id=\"3ace981\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-43e72f0\" data-id=\"43e72f0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f85b3c elementor-widget elementor-widget-html\" data-id=\"9f85b3c\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t[xts_html_block id=\"3506\"]\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-86c14ad elementor-section-full_width elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"86c14ad\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5c446df\" data-id=\"5c446df\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a1e5a17 elementor-widget elementor-widget-shortcode\" data-id=\"a1e5a17\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/chi\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/chi\/category\/articles\/business-and-sme\/\" rel=\"category tag\">\n\t\t\t\t\t\tBusiness and SME\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2021-10-01T09:23:11+00:00\">\n\t\t\t\t\t1 10\u6708 2021\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2023-11-30T09:48:08+00:00\">\n\t\t\t\t\t30 11\u6708 2023\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\tDigital Banking Will Increase Financial Inclusion in Malaysia\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60bed14 xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"60bed14\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p><strong>Bank Negara Malaysia (BNM)<\/strong>\u00a0will issue\u00a0<strong>5 licenses for digital banks<\/strong>\u00a0in the\u00a0<strong>first quarter of 2022<\/strong>, and has\u00a0<strong>received 29 bids<\/strong>\u00a0by the end of the submission deadline.\u00a0<\/p><p>\u00a0<\/p><p>Why did 29 applicants, including conglomerates and cooperatives, think it was worth putting together a bid when they know\u00a0<strong>only 5 will succeed<\/strong>? That is because they know\u00a0<strong>digital banking is the way forward<\/strong>, and it is high time Malaysia catches up.<\/p><p>\u00a0<\/p><p>To be frank, the pandemic actually\u00a0<strong>accelerated our adoption of digital banking<\/strong>, because it highlighted the need for banking services to cut out unnecessary red tapes and in-person branch visits. Hygienic issues aside, physical banking can be time consuming, which is why most people prefer online banking, but still online banking is limited, but these limitations can be solved by digital banking.\u00a0<\/p><p>\u00a0<\/p><p>Contrary to popular belief, using apps of physical banks like\u00a0<strong><em>Maybank2U<\/em><\/strong>\u00a0or\u00a0<strong><em>CIMB Clicks<\/em><\/strong>\u00a0is\u00a0<strong>not digital banking<\/strong>. Digital banking is the\u00a0<strong>complete elimination of any need for physical visits<\/strong>, paperwork, the sort of things you cannot perform through an app.\u00a0<\/p><p>\u00a0<\/p><p>More impressively, convenience won\u2019t even be the biggest benefit that will come with digital banking. That will be the\u00a0<strong>massively improved financial inclusion<\/strong>.\u00a0<\/p><p>\u00a0<\/p><p>While the Malaysian population is not massively underserved when it comes to financial inclusion, improvements are needed. Digital banking\u00a0<strong>cuts around 90% from the operating and overhead costs<\/strong>\u00a0of running a bank since there is no need for a brick and mortar premise, and fewer personnel are required. In turn, the costs saved will be reflected in\u00a0<strong>more affordable financial services<\/strong>. As a domino effect, physical banks still in operation will also have to follow suit with\u00a0<\/p><p>\u00a0<\/p><p>The biggest winners from this will be\u00a0<strong>Small and Medium Enterprises (SMEs)<\/strong>\u00a0that make up around\u00a0<strong>50% of Malaysia\u2019s GDP<\/strong>. Loans will come with more reasonable interest rates, and be more accessible to the population previously left out. Lower-income groups will be able to enjoy better chances to build start-ups and SMEs, provisioning a base for financial mobility.\u00a0<\/p><p>\u00a0<\/p><p>That is not to say there won\u2019t be challenges ahead, for digital banking to be inclusive of all-Malaysians, we will also need to\u00a0<strong>be vary of our digital inclusion<\/strong>.\u00a0<strong>Internet usage<\/strong>\u00a0will have to\u00a0<strong>reach some of the more rural areas<\/strong>\u00a0where a good number of Malaysians still live.\u00a0<\/p><p>\u00a0<\/p><p>A survey conducted by\u00a0<em><strong>VISA<\/strong>\u00a0<\/em>showed that the majority of our country is\u00a0<strong>interested in digital banking<\/strong>, while this is a positive sign, we\u2019ll still have to wait and see what happens. Who will win the 5 bids? How will they run their operations? It is not easy to implement something completely new onto a society that has been used to physical banking, but one thing is for sure,\u00a0<strong><em>this is the way forward<\/em><\/strong>, for both consumers and the financial future of this country.\u00a0<\/p><p>\u00a0<\/p><h4><em>Sources: \u2013<\/em><\/h4><p><a href=\"https:\/\/www.eastasiaforum.org\/2021\/09\/10\/digital-banking-is-key-to-financial-inclusion-in-malaysia\/\" target=\"_blank\" rel=\"noopener noreferrer\">Digital banking is the key to financial inclusion in Malaysia<\/a>\u00a0\u2013 Nafis Alam, 2021<\/p><p><a href=\"https:\/\/techwireasia.com\/2021\/07\/majority-of-consumers-are-eager-to-use-digital-banking-in-malaysia\/\" target=\"_blank\" rel=\"noopener noreferrer\">Majority of consumers are eager to use digital banking in Malaysia<\/a>\u00a0\u2013 Dashveenjit Kaur, 2021<\/p><p><a href=\"https:\/\/www.forbes.com\/sites\/zennonkapron\/2021\/07\/19\/malaysian-digital-banks-29-applicants-for-a-maximum-of-5-licenses\/\" target=\"_blank\" rel=\"noopener noreferrer\">Malaysian Digital Banks: 29 Applicants For A Maximum Of 5 Licenses<\/a>\u00a0\u2013\u00a0 Zennon Kapron, 2021<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[xts_html_block id=&#8221;3506&#8243;] Bank Negara Malaysia (BNM)\u00a0will issue\u00a05 licenses for digital banks\u00a0in the\u00a0first quarter of 2022, and has\u00a0received 29 bids\u00a0by the end of the submission deadline. Why did 29 applicants, including conglomerates and cooperatives, think it was worth putting together a bid when they know\u00a0only 5 will succeed? That is because they know\u00a0digital banking is the [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3292,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17,16],"tags":[69,70,71,60,72],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Digital Banking Will Increase Financial Inclusion in Malaysia - IBPO Group<\/title>\n<meta name=\"description\" content=\"Explore how IBPO Group&#039;s insights shed light on the pivotal role digital banking plays in increasing financial inclusion and empowering communities.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ibpo.com.my\/chi\/digital-banking-will-increase-financial-inclusion-in-malaysia\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Digital Banking Will Increase Financial Inclusion in Malaysia - 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