Fintech Innovation 2022 Powered by INFOPRO


The world has witnessed the digital-banking landscape expand and evolve significantly over the last few years. But it was not until the outbreak of the COVID-19 pandemic in early 2020 that the demand and necessity for digital solutions in banking jumped into overdrive.

Financial institutions (FIs) are racing to innovate, but with the emergence of new technologies, they have to adapt to current trends and adapt quickly to fulfill the growing demand from now digitally savvy customers.

INFOPRO Technical Director and Head of Technology Innovation & Architecture, Lee Chee Keong identifies core fintech trends of 2022 and how INFOPRO can help the industry players implement them with SYNERGi digital banking system.

Real-Time Cross-Border Payments

Demand is high for immediacy of payment settlement that delivers competitive advantage for businesses, reduced risk for payment failure and highly improved efficiency in cash flow. As domestic schemes become more established and popular, expect real-time capabilities to extend to cross-border payments.

Chee Keong says, customers and companies want to be paid faster and easier so they expect nothing less than seamless and frictionless payment processes. Banks are currently putting the mechanisms in place for national interbank payments. The next step is to address cross border payments, on a real time basis.

“Regional central banks are collaborating to make this happen. Bank Negara Malaysia (BNM) and Bank Indonesia are working together on cross border QR payments through the use of DuitNow and QRIS (Quick Response Code Indonesia Standard) QR codes, as announced recently. Meanwhile, BNM and Singapore’s MAS plans to link DuitNow with Singapore’s PayNow real time payment systems,” he explains.



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Block B3 Level 8, Leisure Commerce Square, No.
+60 (3) 7876 6666