Registration

Opening Remarks

Berdaya Saing: Malaysia's Digital Banking Roadmap

Balancing Innovation, Regulation, and Financial Inclusion

• How are traditional banks realigning with BNM’s blueprint priorities: digitalisation, financial inclusion, and sustainability?
• What regulatory expectations govern digital bank licensees in the “operational readiness” phase?
• How does BNM’s RMiT framework support innovation without compromising on cyber resilience?
• What cross-sector partnerships are emerging to deliver digital services to underserved regions?
• How do banks measure transformation impact in line with KPIs like the Financial Inclusion Index?

Lightbulb Moments

Networking Break

Amanah & AI: Building Shariah-Compliant Innovation at Scale

The Role of Ethics and Technology in Islamic Digital Finance

• How can Islamic digital banks develop AI tools (e.g. robo-advisors, credit engines) without violating Shariah boundaries?
• How is value-based intermediation (VBI) influencing product innovation and risk models in Islamic finance?
• What role can blockchain play in transparent zakat tracking, waqf management, or sukuk issuance?
• What partnerships are emerging between Islamic banks and halal e-commerce platforms?
• How can success be measured not just by returns, but by ethical and social impact outcomes?

Lightbulb Moments

Merapatkan Jurang: Expanding Financial Inclusion in Sabah & Sarawak

Technology-Driven Access for Underserved Communities

• How can agent banking, mobile branches, and fintech apps reach communities in rural Sabah and Sarawak?
• What infrastructure partnerships are needed to ensure 4G/5G coverage aligns with digital finance goals?
• Can MyDigital ID and DuitNow QR be adapted for use in offline or low-bandwidth environments?
• How can microfinance and Islamic cooperative banking models be modernised for rural inclusion?
• What KPIs reflect genuine inclusion beyond account ownership?

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VIP Networking Lunch

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Rangkaian Pembayaran: Real-Time Rails, QR, and Cross-Border Integration

Connecting Malaysia’s Digital Economy Through Seamless, Instant Payments

• How has DuitNow QR adoption impacted micro and small merchants across Malaysia?
• What technical and regulatory hurdles remain in cross-border QR integration within ASEAN?
• How is Bank Negara supporting expansion of the real-time payments layer beyond P2P?
• What is the role of financial institutions in digitising cash-heavy ecosystems (e.g. night markets, food stalls)?
• What innovations are on the horizon and how do they affect the industry’s trajectory?

LightBulb Moments

Pengalaman Pelanggan: Humanising Digital Banking in Malaysia

Creating Seamless, Empathetic, and Localised Customer Journeys

• How can banks use AI-driven tools like chatbots and predictive analytics to improve personalisation without losing empathy
• What role should local language, religious norms, and regional differences play in digital CX design?
• What metrics define CX success in a multicultural, mobile-first environment like Malaysia?
• How are banks balancing automation with the need for human touch in service delivery?
• How can community-based service models (e.g. branch ambassadors, agent networks) evolve in the CX mix?

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Networking Break

Tembok Digital: Cyber Mandates & Open Risk in Malaysia's Banking Sector

Defending Trust, Enabling Innovation in a High-Risk Digital Landscape

• What impact have Bank Negara’s “five fraud controls” had since their introduction?
• How can institutions operationalise zero-trust architecture and hybrid-SOC models?
• What are the early lessons from banks adopting AI for transaction anomaly detection?
• How is the 4-hour breach reporting rule shaping internal crisis response and disclosure?
• Can compliance be streamlined while scaling cyber investment in line with digital product growth?

Lightbulb Moments

Berkolaborasi untuk Inovasi: Bank–Fintech Synergy in Malaysia’s Future Economy

Co-Creation, Risk Sharing, and Strategic Growth in Malaysia’s Financial Ecosystem

• What has Malaysia learned from joint ventures like Boost x RHB or Axiata’s digital bank play?
• How are sandbox programmes enabling productive, safe experimentation?
• What are the risks of vendor lock-in, IP disputes, and data silos in bank–fintech alliances?
• What regulatory shifts are needed to support longer-term innovation partnerships?
• Can collaborative platforms improve inclusion outcomes without regulatory overreach?

Closing Remarks