Can fintech replace banks? Roshan speaks with Bikesh about the FinTech scene here in Malaysia, from its importance to consumers and our wallets as well as how it can enable more people to access capital markets through equity-crowd funding and raise funding. We also get into the Putrajaya LIFT 2019 happening this weekend.

Can fintech replace banks?&nbsp;Roshan speaks with Bikesh about the FinTech scene here in Malaysia, from its importance to consumers and our wallets as well as how it can enable more people to access capital markets through equity-crowd funding and raise funding.&nbsp;We also get into the Putrajaya LIFT 2019 happening this weekend.

Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It's your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.

Ringgit and Sense

We explore financial themes and help you make sense of the world of finance. From setting financial goals, managing finances, investing and understanding the various issues that affect our wallets. Ringgit and Sense wants to help you understand personal risk profiles, realistic investment horizons, retirement planning, managing education loans and health insurance plans, as well as breaking down the various personal finance products that are available.

Ringgit & Sense

FinTech: Democratising Capitalism?

Buy Now Pay Later has become the default payment method for millions of Malaysian consumers, promising instant approval and zero friction at checkout. But that is changing, and the new Consumer Credit Act is rewriting the rules. 

Johnson Hong and Lo Khai Yi, partners at Halim Hong & Quek, discuss new legal requirements placed on BNPL providers, shoppers, and its impact on the broader consumer finance landscape.

Buy Now Pay Later has become the default payment method for millions of Malaysian consumers, promising instant approval and zero friction at checkout. But that is changing, and the new Consumer Credit Act is rewriting the rules. Johnson Hong and Lo Khai Yi, partners at Halim Hong &amp; Quek, discuss new legal requirements placed on BNPL providers, shoppers, and its impact on the broader consumer finance landscape.

You Use BNPL. Now the Law Has Your Back

Wahed's new fractional real estate product lets investors tap into Shariah-compliant property exposure with as little as RM500. We speak to Mohsin Siddiqui, CEO of Wahed, about how the product works, how it stacks up against i-REITs, and whether being Shariah-compliant comes at the cost of returns.

Wahed's new fractional real estate product lets investors tap into Shariah-compliant property exposure with as little as RM500. We speak to Mohsin Siddiqui, CEO of Wahed, about how the product works, how it stacks up against i-REITs, and whether being Shariah-compliant comes at the cost of returns.

Shariah Property Investing From Just RM500

RHB's top small caps for 2026 are financially stable, with bright growth prospects and resilient. Elaine Boey speaks with Alexander Chia, Head of RHB Regional Research, about how these companies are selected, what makes them stand out, and how they are navigating the headwinds in the second half of 2026.


Go to RHB's website for the RHB's 20 Jewels 2026 Report'.

Image Credit: Shutterstock

RHB's top small caps for 2026 are financially stable, with bright growth prospects and resilient. Elaine Boey speaks with Alexander Chia, Head of RHB Regional Research, about how these companies are selected, what makes them stand out, and how they are navigating the headwinds in the second half of 2026. Go to RHB's website for the RHB's 20 Jewels 2026 Report'. Image Credit: Shutterstock

FinTech: Democratising Capitalism?

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