最有看点的互联网金融门户

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国际资讯监管与政策

马来西亚金融科技沙盒计划公布首批四家企业名单

近日,马来西亚中央银行宣布,有四家企业正式入选该银行的金融科技监管沙盒计划。

这四家公司分别是:

汽车保险创企GetCover、货币交易平台MoneyMatch、总部位于新加坡的金融产品比较平台GoBear、总部位于伦敦的资金外汇创企WorldRemit。

就金融科技行业来说,监管一直是一个难题。利用沙盒计划,金融科技创企可以在无需过多考虑法规监管、消费者资金和数据安全性的情况下进行产品和服务开发试验。

2016年7月,马来西亚政府针对金融科技监管展开咨询和意见征询。去年10月,马来西亚政府正式宣布推出监管沙盒计划。

同样是在2016年,新加坡金融管理局也颁布了本国的金融科技监管计划。此外,澳大利亚、香港和英国也推出了类似的沙盒计划。

Bank Negara Malaysia, the Southeast Asian nation’s central bank, announced that four companies have joined its regulatory sandbox for fintech applications.

The roster includes two Malaysian companies, motor insurance startup GetCover and currency exchange enabler MoneyMatch. The other two are GoBear, a Singapore-headquartered financial products comparison site, and London-based WorldRemit, which helps people send money abroad at affordable rates.

The central bank’s Financial Technology Enabler Group will help the participating companies develop commercial solutions for the Malaysian market while making sure they comply with local laws and regulations.

Why it matters:

As fintech matures, regulatory environments are still a major challenge. Regulatory sandboxes are protected and monitored environments where fintech startups can develop products and solutions and get them ready for the market without running afoul of laws and risking customers’ money and sensitive data.

Malaysia announced its fintech sandbox last October after a consultation process that started in July 2016.

The Monetary Authority of Singapore created a regulatory sandbox for fintech companies in 2016. Other markets with their own such sandbox include Australia, Hong Kong, and the UK.


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