The i3 Program in Malaysia collaborates with start-ups and established companies to improve the financial health of low- and- moderate-income people, especially through solutions that harness the power of digital solutions. Together we conduct research, rapid prototype new products, and measure the impact of these new solutions on people’s ability to meet their expenses, protect themselves, and save up for their future.


Digital finance in Malaysia


Aspirational Malaysians


Malaysian adults own a mobile phone


Adults have a formal financial account


Own a mobile money account


Top Solutions from the Gig Economy Challenge

Gig Economy Challenge Animation

Financial Health and its Relevance for the Developing World: Learning Event in Singapore

FinLab Challenge teams helping people to plan for the future

Training the Trainers: UNCDF Experts talk about FinLab Malaysia

Digital Finance Innovation Hub Malaysia

FinLab Challenge teams helping people save

FinLab Challenge teams helping people borrow safely

FinLab Training the Trainers: UNCDF Experts talk about Malaysia

First Malaysia Fintech Bootcamp

First Malaysia Fintech Bootcamp

Malaysia’s digital usage: smartphones but no signal

Cash is king: Malaysia’s cash-only economy

FinLab Challenge teams helping people spend more wisely


How do Malaysians save? New insights from UNCDF’s work with GoGet and Pod

February 11, 2021

New research highlights financial health of gig workers in Malaysia and China

December 21, 2020

Top Three Solutions of the Gig Economy Challenge

October 01, 2020

Research Series on Financial Health in Malaysia

March 04. 2020

Financial Health and Its Relevance to The Developing World: A First Conversation in Singapore

January 13. 2020

What Entrepreneurs Learned from the UN SG's Event on Digital Financing of the SDGs

January 10. 2020

Breaking boundaries for the unbanked

August 06, 2019

Exclusive Interview with Henri Dommel, Director of Financial Inclusion UNCDF (YouTube)

August 02, 2019

Can financial literacy help the Malaysian economy flourish?

July 30, 2019

Can API insurance platform solve the pain points in the industry?

July 23, 2019

Asia Digest: BYKidO closes pre-seed round; Malaysia’s GoGet receives grant

July 22, 2019

GoGet, a platform for verified part-timers in Malaysia, wins UNCDF’s Finlab B40 Challenge

July 19, 2019

Shifting Tides Towards The Future of Finance (MyFintechWeek 2019)

July 17, 2019

Mobile Money, a Start-up in Malaysia, Shares its' B40 Challenge Experience

July 09, 2019

Funding Societies, a Malaysian Start-up, Shares its’ B40 Challenge Experience

July 09, 2019

Pod, a Malaysian Start-up, Shares its’ B40 Challenge Experience

July 09, 2019

GoGet, a Start-up in Malaysia, shares its’ B40 Challenge Experience

July 06, 2019

Fintech start-ups win the chance to partner with UNCDF

July 04, 2019

3 fintech startups win the chance to pilot project with UNCDF

July 03, 2019

MyFintech Week 2019: Taking the B40 to greater heights

July 3, 2019

Cover Story: New ECF and P2P players to invigorate the market

June 26, 2019

Vsure.Life races in as first digital mobile lifestyle insurance protection service in Malayasia and SouthEast Asia

June 18, 2019

UNCDF partners with Bank Negara Malaysia for the inaugural MyFintech Week

June 16, 2019

Securities Commission Malaysia Announces 8 New Licenses for Crowdfunding and P2P Lending

May 17, 2019

Malaysia’s SC announces new ECF and P2P platform operators

May 17, 2019

Fintech shows the way forward

April 20, 2019

Malaysia Boleh! for our TOP100 Judge's Choice winners

April 17, 2019

Making Malaysian Fintech Fairer: Lessons From Bootcamp 1

April 12, 2019

Cash, Gold and Digital Financial Services in the Malaysian Heartlands

February 10, 2019

The United Nations Capital Development Foundation will provide financial support for Chinese start-up entrepreneurs in March

January 15, 2019

PSA To M'sian Startups: If Your Financial Services Can Help The B40 Group, UNCDF Has $100K On Offer

January 15, 2019

UNCDF, BNM and MDEC Launch Financial Innovation Lab

December 19, 2018

United Nations Capital Development Fund’s Financial Innovation Lab Applications is Open

December 19, 2018

What Affects Low & Middle Income Customers' Adoption & Usage Rate of Digital Financial Services in Eastern Malaysia?

November 22, 2018

Why UN is creating a digital finance hub in Malaysia

October 30, 2018

UNCDF, Bank Negara Malaysia (BNM) and Malaysia Digital Economy Corporation (MDEC) launch Digital Financial Innovation Hub For Financial Inclusion

September 27, 2018

Digital Finance Innovation Hub aims to support financial inclusion in Malaysia

September 27, 2018

Launch of the Digital Finance Innovation Hub and Inclusive Fintech Accelerator

September 26, 2018

Innovation hub launched to promote financial inclusion

September 26, 2018

New Digital Finance Innovation Hub By BNM, MDEC and UNCDF to Drive Financial Inclusion

September 26, 2018

Digital Finance Innovation Hub Malaysia

September 26, 2018


How Low- and Middle- Income People Experience Digital Financial Services In Malaysia

Consumer Insights Research in Malaysia Part II

Consumer Insights Research in Malaysia Part I

Infographic country brief

What affects adoption of DFS by low- and moderate-income people in Eastern Malaysia

Ten Facts about financial inclusion in Malaysia

Picture Gallery