Fintech Adoption and Regulatory Challenges in Malaysian Banking:

A Strategic Management Perspective

Keywords: Fintech Adoption, Regulatory Challenges, Strategic Management, Malaysian Banking Sector, Financial Technology

Abstract

The advancement of financial technology (fintech) has revolutionised the global banking landscape; the traditional financial institutions involve the challenges of innovation and risk obsolescence. In Malaysia, fintech adoption has gained improvement due to the digital banking initiatives, e-wallet division, and regulatory framework, including Bank Negara Malaysia’s (BNM) Fintech Regulatory Sandbox and Digital Bank Licencing Framework. Considering these developments, numerous established banks face strategic and regulatory obstacles that hinder effective fintech integrations. This concept paper examines the simultaneous development of fintech adoption and regulatory difficulties in the Malaysian banking sector from a strategic management perspective.

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Author Biography

Nurul Syafiqah Azman, Universiti Kuala Lumpur

Nurul Syafiqah graduated with a Diploma in Accounting from Universiti Tekknikal MARA and has a Bachelor’s Degree in Islamic Finance from Unikl Business School, Universiti Kuala Lumpur. She completed her  Master of Business Administration and is currently working as a Doctoral candidate pursuing her PhD in Management at Universiti Kuala Lumpur

Published
2025-04-26
How to Cite
Nurul Syafiqah Azman. (2025). Fintech Adoption and Regulatory Challenges in Malaysian Banking:: A Strategic Management Perspective . Journal of Postgraduate Current Business Research , 10(2), 1-15. Retrieved from http://abrn.asia/ojs/index.php/jpcbr/article/view/179
Issue
Vol. 10 No. 2 (2025): Vol. 10 No. 2 (2025)
Section
Articles

Copyright (c) 2025 Nurul Syafiqah Azman

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