Amandla eMalaysia njengehabhu le-fintech lesifunda se-ASEAN

IMalsiansian Digital Economy Corporation Sdn Bhd ( "MDEC" ) isanda kumemezela ukuthi iMalaysia inamandla okuba yisikhungo sedijithali se-ASEAN njengoba iMalaysia isethubeni lokusabalalisa ukukhula komnotho wedijithali kuso sonke isifunda. Ngokunjalo, i-ASEAN FinTech Census 2018 ka-Ernst & Young ibize iMalaysia “njengendawo ye-fintech e-Asia”. Umnotho wezwe okwandayo wedijithali, owenzelwe ukukhulisa ubukhona bokuqalisa nokuheha abatshalizimali, kanye nokwesekwa okuvela kuhulumeni nabaphathi baseMalaysia, kuzophinde kudale nohlelo oluvuthiwe lwe-fintech oluzosiza ekutheni iMalaysia ibe yisizinda somnotho wedijithali we isifunda se-ASEAN.

Ngenkathi iSingapore igqame ngokuba yimakethe evuthiwe ye-fintech esifundeni lokhu kusho nokuthi kunethuba elivelayo lezimakethe ezingathuthukile ezikhula ngokushesha maqondana nemali engenayo ekhanda ngalinye, ukukhula kwabantu, ukufinyelela kwi-inthanethi nokusetshenziswa kwe-smartphone. Ngokwe-Network Readiness Index ( “NRI” ), iMalaysia ikleliswe endaweni engama-31 emazweni ayi-139 ngokukulungela kwabo ukushintshela emnothweni nasemphakathini owenziwe ngekhompyutha. Ngenkathi iSingapore ibalwa kunombolo 1, amanye amazwe we-ASEAN abekwe ezingeni eliphansi kakhulu ku-NRI (enezinga eliphakathi kuka-60 no-80). Lesi sinyathelo sibalulekile emabhizinisini afuna ukungena emazweni amasha njengoba kunganquma kalula ukuthi izwe lingaleseka yini ibhizinisi elithembele kwi-Intanethi.

Lokhu, kuhlanganiswe nokwesekwa okuvela kuhulumeni, abalawuli nabadlali bezimboni, kunikeza iMalaysia amathuba namathuba okuba yimakethe esakhulayo yokufinyelela eSingapore nokuba yikhaya le-fintech elithandwayo e-ASEAN.

Ukwakha imboni enobungani be-fintech

Iziphathimandla ezahlukahlukene zokulawula eMalaysia zisungule izinhlelo ezahlukahlukene zokuqhakambisa imboni ye-fintech, kufaka phakathi:

• I- “Alliance of FinTech Community” noma i- “aFINity @ SC”, yethulwe yi-Securities Commission of Malaysia (“ SC ”) ngoSepthemba 2015. Iyindawo okugxilwa kuyo kakhulu yezinhlelo zentuthuko ngaphansi kweFintech futhi isebenza njengendawo yokuqwashisa abantu, ukukhulisa i-fintech ecosystem nokuhlinzeka ukucaciseleka kwenqubomgomo nokulawula ukukhuthaza ukuqanjwa kwezezimali okufanele. Ku-2019, i-aFINity ibone ukubandakanyeka okungu-109 okubandakanya ababambiqhaza abangama-91 benamalungu angama-210 abhalisiwe.

• I-Financial Technology Enabler Group (“ FTEG ”), yasungulwa yi-Bank Negara Malaysia noma i-Central Bank of Malaysia (“ BNM ”) ngoJuni 2016. Iqukethe iqembu elihamba phambili ngaphakathi kwe-BNM, elibhekele ukwakhiwa nokwenziwa ngcono wezinqubomgomo zokulawula ukwenza lula ukwamukelwa kobuchwepheshe embonini yezinsizakalo zezezimali zaseMalaysia.

• I-Fintech Association of Malaysia (" FAOM "), yasungulwa ngumphakathi we-fintech eMalaysia ngoNovemba 2016. Ifuna ukuba ngumhlinzeki osemqoka kanye nenkundla kazwelonke yokuxhasa iMalaysia ukuthi ibe yindawo ehamba phambili yokuqanjwa kwezinto ezintsha ze-fintech kanye nokutshalwa kwezimali esifundeni . I-FAOM ihlose, phakathi kokunye, ukuba yizwi lomphakathi waseMalaysia we-fintech nokubandakanya nabadlali bemboni kubandakanya nabalawuli ekwenzeni inqubomgomo ukuze kukhuthazwe uhlelo lwe-fintech ecosystem.

• NgoNovemba 2017, uhulumeni waseMalaysia wethula iDigital Free Trade Zone (“ DFTZ ”) yakhe ukuze kube lula ukuhwebelana okungenamngcele futhi kuvumele amabhizinisi endawo ukuthi athumele izimpahla zawo ngokubaluleka kwe-e-commerce. Lokhu kwenziwa kalula ngokubambisana no-Alibaba njengesikhungo sokugcwaliseka kwempahla e-e kanye nesikhulumi se-e-services kanye nokusungulwa kweKuala Lumpur Internet City okuzoba isikhungo sokuqala sedijithali se-DFTZ.

• I-MDEC yethule i- "Malaysia Digital Hub" esekela ukuqala kobuchwepheshe bendawo ngokunikela, phakathi kwezinye izinto, izikhungo ezizobasiza ukuthi bandise emhlabeni jikelele. Lokhu kufaka:

  • ukusungula i- "Orbit" njengendawo yokusebenzisana yama-fintech startups ukukhuthaza imibono emisha ye-fintech nokwakha ukufinyelela kubalawuli ngokusebenzisa, phakathi kokunye, ama-bootcamp wokulawula ngekota ngokubamba iqhaza kusuka ku-BNM naku-SC;

  • ukwethula i- “Titan”, ipulatifomu lapho ama-startup anamandla afakazelwe angakhulisa khona ibhizinisi labo futhi afinyelele ezimakethe zase-South East Asia nase-Europe ngezinhlelo zokufinyelela ezimakethe ze-MDEC;

  • ukudala izinhlelo ezahlukahlukene, ezifana ne-Malaysian Tech Entrepreneur Program, i-Global Acceleration and Innovation Network kanye ne-Digital Finance Innovation Hub ukuze, phakathi kokunye, kukhuthaze abasunguli be-fintech ukusungula ibhizinisi labo eMalaysia, banikeze amathuba okutshalwa kwemali kwasekhaya nakwamanye amazwe, bandise imisebenzi yabo ukufinyelela emakethe nokusheshisa ukuqamba kwezinsizakalo zezezimali zedijithali; futhi

  • ukusungula iyunithi ye-Islamic Digital Economy ezinikele nokwenza ukuthi kubekhona abeluleki be-Shariah ukusiza abokuqala be-fintech ukwenza imikhiqizo yabo yezezimali i-Shariah ihambisane. Ukwenza kanjalo kungahle kubasize bangene emnothweni wamaSulumane womhlaba wonke okulindeleke ukuthi ukhule ufike ku-USD3 trillion ngo-2021.

• Inqubomgomo ye-BNM ye-Interoperable Credit Transfer Framework yakhishwa ngoMashi 2018. Le nqubomgomo ihlose ukudala indawo yokukhokha engenamali ngaphandle kweMalaysia, ukukhuthaza izixazululo zokukhokha ezisebenza kahle, ezincintisanayo nezintsha, nokukhuthaza ukuncintisana ngokubambisana phakathi kwamabhange kanye nemali ye-elekthronikhi engeyona eyasebhange (e-money) abanikezeli ngokufinyelela okulungile nokuvulelekile kwengqalasizinda yokukhokha okwabiwe.

• Izikhungo ezahlukahlukene nezindikimba zokulawula eMalaysia zenze ukuthi kutholakale, phakathi kokunye, imali / izikhungo / izinzuzo ezilandelayo zokuqalisa okusha nokukhulayo kwe-fintech:

  • I-SC yethule uhlaka lokulawula lokubolekiswa kontanga (P2P) ngaphansi kweZinkombandlela zalo Zezimakethe Ezaziwayo;

• IMalaysia Debt Ventures Berhad iqalile uhlelo lwezezimali lwe-Intellectual Property Scheme ukuze izinkampani zikwazi ukusebenzisa amalungelo azo empahla njengobambiso lwemalimboleko;

• UMnyango Wezezimali usungule iCradle Fund Sdn. Bhd. Ukuhlinzeka, phakathi kokunye, uxhaso nosizo lotshalo-mali kanye nokwesekwa kwezentengiselwano, ukuqeqesha kanye nezinye izinsizakalo ezahlukahlukene ezengeza inani kulabo abangaqala futhi abanobuchwepheshe obuphezulu; futhi

• Izinkampani ze-ICT ezinesimo se- "Multimedia Super Corridor (MSC) Malaysia" esinikezwe yi-MDEC zizokwazi ukujabulela ukukhululwa kwentela engenayo eyi-100% iminyaka emihlanu, enganwetshwa eminye iminyaka emihlanu.

• I-FAOM isezingxoxweni neLabuan IBFC neLabuan FSA mayelana nokwenza lula amabhizinisi eMalaysia nakwamanye amazwe ukusebenzisa ukugqama kohlaka lokulawulwa kwezezimali lukaLabuan eligxile ekuqaleni kwama-fintech, ama-SME, ukukhula kanye nezinkampani ezesabekayo ezifuna ukuthola ukutshalwa kwezimali nezimali zangaphandle.

Ukuthuthukiswa komthetho wedijithali eMalaysia

Uhulumeni waseMalaysia kanye neziphathimandla ezahlukahlukene zokulawula eMalaysia sebesungule izindlela eziningi zokukhuthaza nokuxhasa intuthuko enempilo endaweni yokulawulwa kwempahla yedijithali yaseMalaysia.

Uxhaso olutholwe kuma-ejensi kahulumeni kanye nabalawuli eMalaysia bekungeke kukhulise amandla eMalaysia kuphela ukuthi abe yihabhu ledijithali ne-fintech yesifunda se-ASEAN. Kuzoguqula nezimo zezimali zaseMalaysia lapho abenzi bezinqubomgomo, abalawuli, amafemu we-fintech, izikhungo zezezimali, abathengi kanye nothisha bekwazi ukusebenzisana eduze ukwakha ikusasa lomkhakha wezinsizakalo zezezimali ongaphephile kuphela, kodwa futhi oyinkimbinkimbi futhi ozinzile.

Le ndatshana yashicilelwa okokuqala nguZico Law ngo-Sep 2019. Ikhiqizwe ngemvume yomusa evela kuZico Law.

Funda kabanzi

• ILabuan, Malaysia ivuselelwe ohlwini lwethu lweziphathimandla e-Asia
• Ukubhaliswa kwenkampani yaseLabuan