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市場調查報告書
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1911289

馬來西亞金融科技市場：市場佔有率分析、產業趨勢與統計、成長預測（2026-2031）

Malaysia Fintech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2026 - 2031)
出版日期: | 出版商: Mordor Intelligence | 英文 160 Pages | 商品交期: 2-3個工作天內

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簡介目錄

預計到 2025 年，馬來西亞金融科技市場規模將達到 104 億美元，到 2026 年將成長至 120.7 億美元，到 2031 年將成長至 254.1 億美元，在預測期（2026-2031 年）內複合年成長率為 16.05%。

馬來西亞金融科技市場-IMG1

馬來西亞作為東南亞伊斯蘭金融中心的地位、不斷擴大的數位化優先消費群以及有利的監管環境，都為這一成長提供了支持。持續發放的數位銀行牌照，例如KAF數位銀行和永旺銀行，在擴大服務範圍的同時降低了獲客成本。與柬埔寨和新加坡的跨境QR CODE支付整合，提高了交易量，並促進了本地服務提供者的區域擴張。在砂拉越和檳城的公共雲端和資料中心投資，正在加強底層基礎設施建設，從而實現即時支付和合規分析。隨著馬來西亞金融科技市場的日趨成熟，競爭策略日益圍繞在超級應用生態系統、符合伊斯蘭教法的創新以及嵌入式金融功能嵌入零售和中小企業的日常工作流程。

馬來西亞金融科技市場趨勢與洞察

智慧型手機和網路的高普及率推動了目標市場的擴張

馬來西亞的智慧型手機普及率超過85%，網路存取覆蓋率達90%，這為金融科技服務拓展了數位化基本客群群。 Touch 'n Go Digital已成功從戰略資金籌措處籌集了7500萬美元，並有望憑藉這一行動網際網路普及率在2025年實現首次全年盈利。電子錢包的使用率已達40%，超過了傳統銀行服務的普及率。 Google Pay與ShopeePay和TNG eWallet在2024年的合作表明，成熟的基礎設施將加速生態系統合作，並促進電子錢包的普及。電子錢包的普及主要由年輕人推動，90%的用戶年齡在40歲以下，這構成了未來產品開發的關鍵目標群。

政府的「我的數字」（MyDigital）和金融部門藍圖舉措促進生態系統發展

「MyDigital」藍圖的目標是到2025年底，數位經濟佔國內生產毛額(GDP)的25.5%，預計2024年已通過核准的數位投資將達到1,636億馬幣（約343.6億美元），年增250%。由於智慧財產權收入10年零課稅優惠政策，目前已有超過3891家獲得馬來西亞數位認證的公司在全國各地營運。為實現金融業藍圖將現金交易減少75%的目標，政府推出了支付終端補貼政策，並加強了資料保護。數位部在檳城設立北部辦事處，旨在為巴生谷地區以外的地區提供激勵措施和技術指導，這體現了其區域擴張的努力。

網路詐騙問題會削弱用戶信任並增加合規成本。

日益嚴峻的網路安全威脅和數位詐騙案件為金融科技的普及帶來了巨大阻力，導致整個產業的合規成本較去年同期上漲25%。 2025年4月，馬來西亞國家銀行和泰國銀行簽署了網路安全和數位詐騙防範合作備忘錄，強調了這些威脅的跨國性質。作為應對措施，馬來西亞各銀行已在其行動應用程式中添加了惡意軟體防護功能，馬來西亞國家銀行（BNM）推出的國家詐騙門戶網站已將詐騙追蹤時間縮短了75%，這既表明了問題的嚴重性，也體現了機構的應對措施。 GXBank推出的「網路詐騙防護」保險產品反映了金融科技公司在應對客戶風險規避的同時，努力將安全隱患轉化為收益的努力。

細分市場分析

預計到2025年，數位支付將佔馬來西亞金融科技市場50.72%的佔有率，這主要得益於Touch 'n Go Digital的多模態和零售整合。政府的無現金支付計畫以及區域QR碼互通性的提升，進一步鞏固了數位支付的領先地位。數位借貸位居第二，佔21.03%，這主要得益於Funding Societies籌集了2700萬美元，用於擴大其符合伊斯蘭教法的中小企業貸款業務。保險科技佔15.05%，這主要得益於PolicyStreet獲得的1,540萬美元B輪資金籌措以及其500萬的用戶群。

2025年，新銀行業務佔比將維持在7.35%，但隨著免手續費帳戶和快速開戶服務縮小與傳統金融機構的差距，預計其複合年成長率將達到26.12%。數位投資佔比將達到5.85%，其中StashAway除了提供符合伊斯蘭教法的投資組合外，還推出了比特幣/以太坊ETF，以實現收入來源多元化。證券委員會（SC）的數位創新基金正在共同資助15個試點項目，預示著未來服務組合將會轉變。

其他福利：

  • Excel格式的市場預測（ME）表
  • 分析師支持（3個月）

目錄

第1章 引言

  • 研究假設和市場定義
  • 調查範圍

第2章調查方法

第3章執行摘要

第4章 市場情勢

  • 市場概覽
  • 市場促進因素
    • 智慧型手機和網路普及率高
    • 政府「我的數字」（MyDigital）和FSB舉措
    • 電子商務的快速成長
    • 有利的沙盒環境和數位銀行牌照
    • 伊斯蘭金融科技的需求日益成長
    • 東協跨境QR碼整合
  • 市場限制
    • 對網路詐騙的擔憂
    • 對現有銀行基礎設施的依賴
    • 深科技金融科技人才短缺
    • 區域數位課稅的複雜性
  • 價值/供應鏈分析
  • 監管環境
  • 技術展望
  • 波特五力模型
    • 新進入者的威脅
    • 供應商的議價能力
    • 買方的議價能力
    • 替代品的威脅
    • 競爭對手之間的競爭

第5章 市場規模與成長預測

  • 透過服務提案
    • 數位支付
    • 數字借貸和資金籌措
    • 數位投資
    • 保險科技
    • 新銀行
  • 最終用戶
    • 零售
    • 公司
  • 透過使用者介面
    • 行動應用
    • 網頁/瀏覽器
    • POS/物聯網設備
  • 按地區
    • 巴生谷
    • 北部地區
    • 南部地區
    • 東海岸
    • 東馬來西亞

第6章 競爭情勢

  • 市場集中度
  • 策略趨勢
  • 市佔率分析
  • 公司簡介
    • Maybank
    • CIMB
    • Touch'n Go Digital
    • Boost
    • BigPay
    • GrabPay
    • Razer Fintech
    • Axiata Digital（Aspirasi）
    • Funding Societies
    • CapBay
    • MoneyMatch
    • Jirnexu（RinggitPlus）
    • iMoney
    • StashAway
    • Wahed Invest
    • Bursa Digital Exchange
    • PolicyStreet
    • Tune Protect
    • Oyen
    • Etiqa Digital
    • Prudential Pulse
    • GHL Systems
    • MyPOSPay
    • Soft Space
    • FavePay

第7章 市場機會與未來展望

簡介目錄
Product Code: 72331

The Malaysia fintech market was valued at USD 10.40 billion in 2025 and estimated to grow from USD 12.07 billion in 2026 to reach USD 25.41 billion by 2031, at a CAGR of 16.05% during the forecast period (2026-2031).

Malaysia Fintech - Market - IMG1

Malaysia's role as Southeast Asia's Islamic finance hub, combined with an expanding digital-first consumer base and supportive sandbox regulations, underpins this growth. Continued licensing of digital banks, such as KAF Digital Bank and AEON Bank, has broadened service offerings while lowering acquisition costs. Cross-border QR payment links with Cambodia and Singapore elevate transaction volumes and position local providers for regional expansion. Public cloud and data-center investments across Sarawak and Penang strengthen the underlying infrastructure, enabling real-time payments and compliance analytics. As the Malaysia fintech market matures, competitive strategies increasingly revolve around super-app ecosystems, Islamic-compliant innovations, and embedded finance integrations into retail and SME workflows.

Malaysia Fintech Market Trends and Insights

High Smartphone & Internet Penetration Drives Addressable Market Expansion

Malaysia's smartphone penetration surpasses 85% and internet connectivity reaches 90% of residents, growing the digital-ready customer pool for fintech services. Touch 'n Go Digital expects its first full-year profitability in 2025 after securing USD 75 million from strategic investors, a milestone enabled by this mobile reach. E-wallet usage already touches 40%, outpacing traditional banking access. Google Pay's 2024 tie-up with ShopeePay and TNG eWallet illustrates how infrastructure maturity accelerates ecosystem partnerships that deepen wallet stickiness. Younger cohorts dominate adoption, with 90% of users aged 40 and below forming the core target for upcoming product launches.

Government MyDigital & Financial Sector Blueprint Initiatives Catalyze Ecosystem Development

The MyDigital roadmap aims for the digital economy to contribute 25.5% of GDP by end-2025, supported by MYR 163.6 billion (USD 34.36 billion) in approved digital investments in 2024, a 250% jump year-on-year. More than 3,891 Malaysia Digital-status firms now operate nationwide, buoyed by tax incentives granting 0% on IP income for a decade. The Financial Sector Blueprint's 75% cashless-transaction goal releases subsidies for payment terminals and data-protection upgrades. Regional expansion is evident as the Digital Ministry opened its northern office in Penang to funnel incentives and technical mentorship beyond Klang Valley.

Cyber-fraud Concerns Erode User Trust and Increase Compliance Costs

Rising cybersecurity threats and digital fraud incidents create significant headwinds for fintech adoption, with compliance costs increasing 25% year-on-year across the industry. Bank Negara Malaysia and Bank of Thailand signed a memorandum of understanding in April 2025 for cybersecurity and digital fraud cooperation, highlighting the cross-border nature of these threats. Malaysian banks responded by adding malware shielding to mobile applications, while BNM's National Fraud Portal launch reduced fraud tracing time by 75%, demonstrating both the severity of the problem and institutional responses. GXBank's introduction of Cyber Fraud Protect insurance products reflects how fintech companies are monetizing security concerns while addressing customer risk aversion.

Other drivers and restraints analyzed in the detailed report include:

  1. E-commerce Boom Amplifies Payment Volume Growth
  2. Favourable Sandbox & Digital Bank Licences Lower Entry Barriers
  3. Reliance on Incumbent Banking Rails Limits Fintech Uptime Guarantees

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Digital payments captured 50.72% of Malaysia fintech market share in 2025, anchored by Touch 'n Go Digital's multi-modal transport and retail integrations. Government cashless incentives and regional QR interoperability continue to widen this moat. Digital lending ranks second at 21.03%, boosted by Funding Societies' USD 27 million raise that broadened Shariah-compliant SME lines. Insurtech holds 15.05%, validated by PolicyStreet's USD 15.4 million Series B and a 5 million-strong user base.

Neobanking, though only 7.35% in 2025, is projected to grow at a 26.12% CAGR, narrowing gaps with incumbents through fee-free accounts and rapid onboarding. Digital investments stand at 5.85%, where StashAway's launch of Bitcoin and Ethereum ETFs alongside Shariah portfolios diversifies revenue. The Securities Commission's Digital Innovation Fund has co-financed 15 pilots, signalling future service-mix shifts.

The Malaysia Fintech Market Report is Segmented by Service Proposition (Digital Payments, Digital Lending & Financing, Digital Investments, Insurtech, Neobanking), End-User (Retail, Businesses), User Interface (Mobile Applications, Web/Browser, POS/IoT Devices), and Geography (Klang Valley, Northern Region, Southern Region, East Coast, East Malaysia). The Market Forecasts are Provided in Terms of Value (USD).

List of Companies Covered in this Report:

  1. Maybank
  2. CIMB
  3. Touch 'n Go Digital
  4. Boost
  5. BigPay
  6. GrabPay
  7. Razer Fintech
  8. Axiata Digital (Aspirasi)
  9. Funding Societies
  10. CapBay
  11. MoneyMatch
  12. Jirnexu (RinggitPlus)
  13. iMoney
  14. StashAway
  15. Wahed Invest
  16. Bursa Digital Exchange
  17. PolicyStreet
  18. Tune Protect
  19. Oyen
  20. Etiqa Digital
  21. Prudential Pulse
  22. GHL Systems
  23. MyPOSPay
  24. Soft Space
  25. FavePay

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 Introduction

  • 1.1 Study Assumptions & Market Definition
  • 1.2 Scope of the Study

2 Research Methodology

3 Executive Summary

4 Market Landscape

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 High smartphone & internet penetration
    • 4.2.2 Government's MyDigital & FSB initiatives
    • 4.2.3 E-commerce boom
    • 4.2.4 Favourable sandbox & digital bank licences
    • 4.2.5 Rising demand for Islamic fintech
    • 4.2.6 ASEAN cross-border QR-code integration
  • 4.3 Market Restraints
    • 4.3.1 Cyber-fraud concerns
    • 4.3.2 Reliance on incumbent banking rails
    • 4.3.3 Shortage of deep-tech fintech talent
    • 4.3.4 Regional digital tax complexity
  • 4.4 Value / Supply-Chain Analysis
  • 4.5 Regulatory Landscape
  • 4.6 Technological Outlook
  • 4.7 Porter's Five Forces
    • 4.7.1 Threat of New Entrants
    • 4.7.2 Bargaining Power of Suppliers
    • 4.7.3 Bargaining Power of Buyers
    • 4.7.4 Threat of Substitutes
    • 4.7.5 Competitive Rivalry

5 Market Size & Growth Forecasts

  • 5.1 By Service Proposition
    • 5.1.1 Digital Payments
    • 5.1.2 Digital Lending & Financing
    • 5.1.3 Digital Investments
    • 5.1.4 Insurtech
    • 5.1.5 Neobanking
  • 5.2 By End-User
    • 5.2.1 Retail
    • 5.2.2 Businesses
  • 5.3 By User Interface
    • 5.3.1 Mobile Applications
    • 5.3.2 Web / Browser
    • 5.3.3 POS / IoT Devices
  • 5.4 By Geography
    • 5.4.1 Klang Valley
    • 5.4.2 Northern Region
    • 5.4.3 Southern Region
    • 5.4.4 East Coast
    • 5.4.5 East Malaysia

6 Competitive Landscape

  • 6.1 Market Concentration
  • 6.2 Strategic Moves
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products & Services, and Recent Developments)
    • 6.4.1 Maybank
    • 6.4.2 CIMB
    • 6.4.3 Touch 'n Go Digital
    • 6.4.4 Boost
    • 6.4.5 BigPay
    • 6.4.6 GrabPay
    • 6.4.7 Razer Fintech
    • 6.4.8 Axiata Digital (Aspirasi)
    • 6.4.9 Funding Societies
    • 6.4.10 CapBay
    • 6.4.11 MoneyMatch
    • 6.4.12 Jirnexu (RinggitPlus)
    • 6.4.13 iMoney
    • 6.4.14 StashAway
    • 6.4.15 Wahed Invest
    • 6.4.16 Bursa Digital Exchange
    • 6.4.17 PolicyStreet
    • 6.4.18 Tune Protect
    • 6.4.19 Oyen
    • 6.4.20 Etiqa Digital
    • 6.4.21 Prudential Pulse
    • 6.4.22 GHL Systems
    • 6.4.23 MyPOSPay
    • 6.4.24 Soft Space
    • 6.4.25 FavePay

7 Market Opportunities & Future Outlook

  • 7.1 Embedded finance for SMEs via POS/IoT
  • 7.2 Digital wealth for aging affluent segment