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国际资讯监管与政策

助推金融科技发展,马来西亚银行各有招数

国际资讯监管与政策

助推金融科技发展,马来西亚银行各有招数

为了推动本国金融科技发展,马来西亚各家银行相继出台了鼓励政策和措施。

马来西亚中央银行

可以说,马来西亚中央银行——马来西亚国家银行(后文简称BNM)主导了这股潮流,为实现马来西亚国内银行业现代化进行了诸多努力。

2016年6月,马来西亚中央银行成立金融科技推动团队(FTEG),团队负责起草并跟进管理法令,以促进马来西亚金融服务业吸收金融创新科技。

BNM承诺支持金融科技创新,提升马来西亚金融服务品质,提高服务效率,使服务更加便捷,由BNM跨职能成员组成的FTEG正是这一承诺的一部分。

为实现这一承诺,BNM本周初推出最新一项创新活动——“金融科技大提案”,即向公众征求促进金融服务发展的提议。此次活动的目标不仅在于发现支付服务、金融消费服务领域中老大难的问题,也要听取社会对使用技术应用提出的中肯建议,这样才能缩小差距。

提起东南亚的金融科技,马来西亚是这一地区法规最先进、最完善的国家之一。去年马来西亚推出沙箱法规,允许创业公司与银行在安全环境试验新产品、新商业模式。受监管的沙箱对所有金融科技公司开放,包括从未在马来西亚出现过的全新公司。

BNM现任行长Muhammad bin Ibrahim拿督曾鼓励金融机构“拥抱金融科技,把它作为机遇”。

联昌集团

CIMB Fintech是联昌集团(后文简称CIMB)为探索银行创新方案成立的全新独立小组,本月初CIMB集团任命Olivier Crespin为这一金融科技小组的主要负责人。

集团首席执行官东古拿督斯里Zafrul Aziz称,CIMB Fintech是马来西亚银行业内部的金融科技中心,应该让它“历经实践,实现我们的数字金融雄心。”

Zafrul表示,全新理念可能会增强、甚至重新定义CIMB产品与服务水平,为了激发、培养、执行这些理念,金融科技运行模式将更加灵活多变。CIMB准备对金融科技进行大量投资,提高金融科技领域价值,提高全区1200万顾客的服务体验。

马来亚银行

马来西亚最大的商业资本银行Malayan Banking Bhd (Maybank)则选择了不同的策略。Maybank Fintech是Maybank用以发现金融科技领域顶尖人才、最有发展前景创意的项目,今年Maybank开启了第三期项目。

被选择参与项目的团队将获得与Maybank特别合作的机会。被推举的合作者可以加入Maybank全亚洲任意区域的任何商业活动中。

今年初,Maybank在国内首次推出数字支付服务。手机应用名字叫Maybank2u,与Western Union联合推出。

丰隆银行

随着Maybank的脚步,丰隆银行(Hong Leong Bank Berhad ,后文简称HLB)也在今年三月推出了为期三个月的导师计划HLB LaunchPad,旨在培养马来西亚下一代科技、金融科技领域最有希望的创业公司。

HLB LaunchPad项目是HLB与马来西亚官方贸易协会、天使投资人及投资俱乐部监管部门Malaysian Business Angel Network (MBAN)合作的一部分。同时初期投资机构Cradle Fund Sdn Bhd也参与了这个项目。

这个项目不仅向五个创业公司提供专业人士训练的机会,还提供银行高级管理人员的导师制培训。每个创业公司都将获得2.5万马币资金,用以发展产品或服务。项目将从五个创业公中选出一个团队,给与最高100万马币的股本投资。

Banks in Malaysia are pushing fintech development as they seek to harness innovation and technology to improve the financial services.

Bank Negara Malaysia

The trend is largely led by the Malaysian central bank, Bank Negara Malaysia (BNM), which has been deploying efforts to modernize the domestic banking industry.

In particular, the central bank’s Financial Technology Enabler Group (FTEG) was launched in June 2016 to formulate and enhance regulatory policies to facilitate the adoption of technological innovations in the Malaysian financial services industry.

The FTEG is part of BNM’s commitment to support innovations that will improve the quality, efficiency and accessibility of financial services in Malaysia and is comprised of cross functional group within BNM.

Financial Technology Enabler Group Malaysia Fintech HackOne of the committee latest efforts is the “Fintech Hacks,” an initiative launched earlier this week that seeks ideas from the public on possible improvements to financial services.

It aims to identify pain points in the delivery as well as the consumption of financial services, and solicits ideas using the application of technology to address the gap.

Malaysia has been one of the most advanced and favorable jurisdictions in Southeast Asia when it comes to fintech. The nation set up a regulatory sandbox last year to allow startups and banks to experiment with new products and business models in a safe environment. The regulatory sandbox is open to all fintech companies including those without any presence in Malaysia.

Datuk Muhammad bin Ibrahim, the current governor of BNM, has encouraged financial institutions to “embrace fintech as an opportunity.”

Addressing the emergence of fintech, Malaysian banks have been gearing up for digital disruption.

CIMB Group

Earlier this month, CIMB Group appointed Olivier Crespin as its chief fintech officer for its newly set up unit, CIMB Fintech, a standalone unit dedicated to explore new and innovative banking solutions.

Tengku Dato’ Sri Zafrul Aziz, the group CEO, said that CIMB Fintech was the bank’s very own fintech hub, allowing it “to experiment and realize our digital ambitions.”

“Its operating model will be agile, dynamic and nimble, in order to provoke, incubate and execute ideas that will either redefine or enhance CIMB’s products and services,” said Zafrul.

“We are prepared to invest significantly in fintech propositions that will add value and enhance customer experience for our 12 million customers across the region.”

Malayan Banking Bhd

Malayan Banking Bhd (Maybank), Malaysia’s largest bank by market capitalization, has opted for a different strategy. This year, the bank brought back the third installation of its fintech program Maybank Fintech aimed to find the brightest talents and most promising ideas in fintech.

Teams selected to join the program gain access to unique partnership opportunities with Maybank. Proposed partnerships with the bank can involve any of Maybank’s business segments and entities operating from any of its regional locations across Asia.

Earlier this year, Maybank launched the first digital remittance service in the country. Called Maybank2u, the mobile app was released in partnership with Western Union.

Hong Leong Bank Berhad

Following the lead of Maybank, Hong Leong Bank Berhad (HLB) launched in March HLB LaunchPad, a three-month mentorship program targeted at nurturing the next-generation of promising Malaysian technology and fintech startups.

HLB LaunchPad is part of HLB’s collaboration with Malaysia’s official trade association and governing body for angel investors and clubs, the Malaysian Business Angel Network (MBAN). The program also includes the participation of Cradle Fund Sdn Bhd, an early stage funding agency.

The program gives five startups the opportunity to be trained by experts and receive mentorship from the bank’s senior management. Each startup receives an allowance of RM25,000 to enhance their product or service offerings.

Out of the five startups, one team will be selected and considered for an equity investment of up to RM1 million.


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