Fintech Law and Regulation Law and Practice in Malaysia | 2026*

Fintech Law and Regulation Law and Practice in Malaysia | 2026*

“The book provides a thoughtful analysis of the legal principles, regulatory architecture, and policy considerations that shape the Fintech landscape, while addressing many novel legal issues arising from technological innovation. It fills a significant gap in the literature on Fintech regulation …”

From the Foreword by

Tan Sri Zarinah Anwar

Chairman of the Board of Directors, Universiti Malaya

Fintech Law and Regulation is a pioneering and comprehensive resource examining Malaysia’s rapidly developing financial technology landscape, with comparative perspectives from Singapore, Indonesia, and Thailand. It offers an in-depth analysis of the innovation-driven policies and risk-based regulatory approaches shaping the fintech environment across ASEAN.

Comprising nine detailed chapters, the book addresses important areas that remain underexplored in existing legal literature. It examines a wide range of regional regulatory challenges, including cross-border compliance, data protection, and anti-money laundering (AML) requirements. The book also explores emerging fintech developments such as crowdfunding and alternative fundraising, distributed ledger technology (DLT), smart contracts, decentralised autonomous organisations (DAOs), digital assets, cryptocurrency, and e-money licensing.

A distinctive feature of the book is its detailed treatment of Islamic Fintech. Drawing on Malaysia’s position as a leading jurisdiction in this field, the book compares Shariah-compliant digital financial instruments with conventional fintech models and incorporates relevant case studies from Malaysia, Singapore, and Indonesia. It also examines newer developments, including licensed digital banking consortiums and their role in promoting financial inclusion, as well as the regulatory challenges surrounding artificial intelligence applications such as robo-advisers. The final chapter considers regulatory sandboxes and their potential to provide effective solutions for governing an increasingly fragmented digital financial ecosystem.

Written to provide both comprehensive coverage and practical accessibility, this book is a valuable reference for law and finance students, academics, researchers, legal practitioners, and policymakers seeking to understand the legal and regulatory foundations of fintech and its continuing development across the ASEAN region.

Key Features of Fintech Law and Regulation Law and Practice in Malaysia:

• Comparative examination of fintech regulatory frameworks, compliance requirements, and risk-based supervisory approaches.
• Analysis of emerging technologies and their implications for future regulatory and compliance practices.
• Practical case studies illustrating the application of fintech laws and regulations.
• Comprehensive coverage of Islamic Fintech and Shariah-compliant digital financial instruments.
• Examination of emerging regulatory approaches and forward-looking solutions for the evolving digital financial ecosystem.

Table of Contents of Fintech Law and Regulation Law and Practice in Malaysia:

Chapter 1 Overview of Fintech and Fintech Regulatory Frameworks in Malaysia and Selected Southeast Asian Jurisdictions

Chapter 2 Alternative Fundraising Methods

Chapter 3 Distributed Ledger Technology and Blockchain – Legal Framework and Case Studies in Malaysia and Selected Jurisdictions

Chapter 4 Digital Assets, Cryptocurrency and Tokenisation

Chapter 5 The Regulatory Framework of E-money in Malaysia

Chapter 6 Islamic Fintech

Chapter 7 Digital Banking

Chapter 8 Regulatory Governance of Artificial Intelligence-Enabled Fintech Applications in Malaysia and Selected ASEAN Jurisdictions

Chapter 9 Regulating Fintech in a Digital Era: The Role of Regulatory Sandboxes and the Way Forward

About The Authors:

Dr Maryam Khalid is a Senior Lecturer at the Faculty of Law, Universiti Malaya, specialising in Islamic finance and financial regulation. She holds qualifications from IIUM, the University of Melbourne, and Universiti Malaya, and has prior experience as an Islamic finance corporate lawyer advising on banking products and regulatory reforms.

Dr Sherin Kunhibava is a Senior Lecturer at the Faculty of Law, Universiti Malaya, with expertise in commercial law, fintech regulation, and Islamic finance law. With over 20 years of academic experience and industry exposure, she has contributed to pioneering research on blockchain regulatory issues in Malaysia.

Dr Thong Ming Sen is an Advocate and Solicitor of the High Court of Malaya and Visiting Scholar at the National University of Singapore’s Centre for Banking and Finance Law. His expertise includes capital markets, fintech regulation, artificial intelligence, and blockchain technology. He also has extensive corporate legal practice experience in Malaysia.

Dr Petrina Tan Tjin Yi is a Senior Lecturer at the Faculty of Law, Universiti Malaya, specialising in capital markets law and policy, company law, corporate governance, and regulatory theory. Her professional background includes corporate law, the Malaysian Attorney General’s Chambers, Bursa Malaysia, and academic research at the National University of Singapore.

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