They carry the economy, wait months to be paid, and their people live payday to payday. The bank sees them once a year. These platforms let it see them every day.

48.7%

of Malaysia’s workforce is employed by SMEs, which produced 39.7% of GDP in 2025.

DOSM, MSME Performance 2025

64 days

is the average time Malaysian SMEs take to settle trade invoices.

Experian, State of Credit 2025

61%

of Malaysians had difficulty raising RM1,000 in an emergency in 2024.

Bank Negara Malaysia, Annual Report 2024

02Platforms

One platform family, organised by who it serves.

Start with one platform or deploy the family on one technology stack, through one integration.

For employersLive in Sri Lanka

CIXOR PayDay

HR, payroll and earned wage access in one platform.

Payroll runs, payslips, attendance and leave
Configurable for EPF, SOCSO, EIS and PCB
Employees draw 50%, 75% or 100% of wages earned

View CIXOR PayDay

For SMEsIn development

CashDay

Working capital against verified invoices, funded by the partner bank.

e-Invoices validated against LHDN MyInvois
Invoice fingerprinting, PO and delivery matching
Automated settlement and reconciliation

View CashDay

For banks and lendersIn production

FirstMicro

A SaaS lending platform for digital and embedded loan origination.

Digital KYC and KYB, scoring and decisioning on the bank’s rules
Full loan lifecycle with automated general ledger
Field agent app for assisted onboarding

View FirstMicro

For merchantsReady for pilot

iPayLater

Instalments at the checkout of small merchants, with the bank as credit provider of record.

QR checkout in-store and online, instant digital KYC
Merchant paid in full, upfront
Affordability checks and clear disclosures built in

View iPayLater

For merchants and ecosystemsIn development

A2A Pay

Instant account-to-account payments, without card rails.

Bank-to-bank payment and settlement
Closed-loop merchant acceptance
Malaysian rail and licensing model to be confirmed

View A2A Pay

03The partner model

The bank's licence, credit policy and brand. Our technology underneath.

Every financing product sits inside the partner bank's licence and regulatory framework. EOGSB is an infrastructure provider, not a rival lender.

The bank funds and decides

The partner bank provides the balance sheet and sets the credit rules. EOGSB carries no lending book.

One integration, no migration

API or host-to-host integration that runs alongside the core banking system.

Hosted to the bank’s standard

Hosting and controls configured to the bank’s data-residency requirements and Bank Negara Malaysia’s RMiT policy.

Discovery and integration design1 month
Integration and sandbox testing2 months
Controlled pilot3 months
Commercial rollout3 months
Optimisation and ASEAN roadmapOngoing

For financial partners

Questions

FinTech, answered.

Platforms are built by the FINAP group and licensed to EOGSB for Malaysia and ASEAN.

Is EOGSB a lender?

No. The partner bank is the lender and credit provider of record. It funds the financing, sets the credit policy and owns the customer relationship. EOGSB provides the technology, onboarding and support.

Who owns the platforms?

The platforms are built by the FINAP group. EOGSB is an associated company of FINAP and holds the licence to deploy, localise and commercialise them in Malaysia and ASEAN.

Is CIXOR PayDay available in Malaysia today?

PayDay is live in Sri Lanka. For Malaysia it is configured for EPF, SOCSO, EIS and PCB, with Bahasa Malaysia and English, during the localisation phase of a bank partnership.

Does a bank need to change its core system?

No. The platforms connect through API or host-to-host integration and run alongside the core banking system.

How is customer data protected?

The platforms run on Microsoft Azure with role-based access, encryption and full audit trails, and are designed to meet the Personal Data Protection Act 2010.

FinTech enquiry

Tell us who you are and what you want to switch on.

This form goes to the FinTech team, separately from AI Infrastructure enquiries.