Digital banking, payments, and regulatory-compliant financial systems.
12 wks
discovery to launch
3
two-week delivery sprints
0
critical security incidents post-launch
Our Experience
We help banks and financial services companies launch compliant, high-performance digital products — from mobile banking apps and e-wallets to lending platforms and back-office automation. We understand BNM regulations, e-KYC requirements, and the security standards that Southeast Asian financial institutions operate under.
We build regulated financial products for banks, e-wallets, lenders, and insurers across Malaysia and the wider ASEAN region. That means shipping against BNM guidelines, integrating with core systems that predate the cloud, and holding a security bar high enough for money to move through it — without turning a six-month roadmap into an eighteen-month one.
What We Solve
BNM guidelines, e-KYC mandates, and PCI-DSS requirements create a compliance maze that slows product launches. We embed compliance reviews throughout delivery — not just at the end.
Connecting modern digital layers to 20-year-old core banking systems without downtime is one of the hardest engineering problems in banking. We've done it — multiple times.
As transaction volumes grow, so does attack surface. We architect for security from day one: end-to-end encryption, real-time fraud signals, and biometric authentication baked in, not bolted on.
Complex KYC flows cause 40–60% drop-off in most banking apps. We redesign onboarding journeys using AI-assisted document verification that reduce completion time from hours to under 30 seconds.
What We Build
Mobile and web banking journeys that convert, with identity verification that satisfies the regulator without losing the customer at step three.
Payment experiences built on the rails your customers already use, with the reconciliation and exception handling that production actually demands.
Origination through collections, with decisioning you can explain to a credit committee and an auditor.
Detection and reporting that keeps pace with transaction growth, so risk headcount does not have to scale linearly with volume.
A modern platform layer over the systems you cannot replace yet, so the digital roadmap stops being blocked by the core.
Why CMMB
BNM RMiT, e-KYC policy, and PCI-DSS obligations are checked continuously as we build — not discovered in a pre-launch audit. Teams get a compliance checkpoint in each sprint review, so remediation is measured in days rather than quarters.
ISO 8583 and ISO 20022 messaging, batch-era cores, and vendor middleware with no sandbox. We design an API layer over the core so digital products can ship on their own release cycle, and we plan cutovers that do not require downtime.
Key management, tokenisation, end-to-end encryption, and fraud signals are decided at architecture time. Penetration testing then confirms the design instead of exposing it, which is the difference between a fix and a rebuild.
DuitNow, FPX, PayNow, and local QR and wallet ecosystems each carry their own settlement behaviour and failure modes. We build for how they actually behave in production, including reconciliation and dispute paths.
Where We Deliver
Our delivery teams sit in Malaysia on GMT+8, with day-to-day overlap across Singapore, Indonesia, Thailand, and the Philippines. That matters in banking: local payment rails, regulator expectations, and KYC norms differ market to market, and we have shipped into each of them rather than adapting a template built for somewhere else.
Standards We Build Against
Featured Case Study
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Other Industries We Serve
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We'll respond with a tailored proposal within 48 hours — no templates, no salesperson.
