We advise payment service providers, fintech companies, technology vendors and businesses developing or adopting regulated financial products and payment solutions, from payment infrastructure and card system solutions to digital banking, e-money and digital asset ventures.

Our work covers the regulatory, commercial and technology aspects of payment services, e-money, card programmes, digital lending, payment infrastructure, banking technology and digital asset platforms. We assist clients in assessing applicable licensing requirements, structuring business models, preparing commercial agreements and managing arrangements with banks, technology providers, merchants and service providers.

We also advise on cross-border technology deployments, outsourcing arrangements, software licensing, data use, cybersecurity responsibilities and the allocation of operational and regulatory risk across regional fintech and payment ecosystems.

Selected Experience

Payments

• Advised a regional payment services provider on managed card services agreements for banking customers.
• Advised on technology supplier arrangements supporting regional banking services, including credit risk, loan management and related software solutions.
• Advised on software licence and maintenance arrangements with major banks for the implementation of Visa and Mastercard QR modules.
• Advised on banking technology, hardware and terminal support arrangements involving bank and retail customers and regional service providers.
• Advised a non-bank business on Malaysian regulatory requirements applicable to moneylending and regulated payment services.
• Acted for a global payments and financial technology group on commercial and technology agreements, including the adaptation of regional contracts for Malaysian use.

Blockchain / Web3

• Advised a blockchain and financial technology platform operator on Malaysian licensing requirements relating to e-money, digital asset custody and Labuan banking activities.