TNG Digital, a leading fintech player in Malaysia, was launched in 2017 with a mission to enable Malaysians to live, pay and transact safely and conveniently. This includes promoting financial inclusion by empowering Malaysians with accessible, secure, and seamless financial solutions.

Today, TNG eWallet has over 22 million verified users and is accepted by more than 2 million of merchants nationwide. Recognizing the evolving financial needs of both users and merchants, TNG Digital is committed to innovation by expanding beyond traditional payments. Its comprehensive suite of financial products includes investments, loans, remittances, and insurance, providing users with greater financial control and convenience.

This strategic expansion reinforces TNG Digital’s position as a leading player in the fintech industry. Additionally, the company enables seamless cross-border payments in over 50 countries, connecting users to global financial opportunities.

Scalability and Performance Challenge

With a growing customer base, TNG Digital remains committed to building and maintaining a robust, scalable cloud infrastructure to support its expanding services efficiently. To ensure seamless and secure transactions, while maintaining high transaction speeds, TNG Digital leverages a sophisticated and resilient system designed to handle significant traffic surges without disruption. This commitment to innovation and reliability reinforces its ability to deliver a smooth and efficient user experience.

To strike a balance between a seamless user experience and the highest standards of security and transaction integrity, TNG Digital ensures its system remains adaptable and scalable. This approach enables the platform to support future growth while seamlessly integrating new financial products and services.

IT Architecture Challenge

TNG Digital is a fintech company licensed and regulated by Bank Negara Malaysia（BNM）, dedicated to providing a secure, convenient and seamless financial ecosystem. Its services include online and offline payments, fund transfers, and a range of financial products such as investment and more.

In particular, its existing disaster recovery (DR) system was highly intricate, and enhancing its capabilities became essential to support the company’s rapid growth. The original RDS default backup system had a 24-hour RPO, which did not fully align with business requirements. To enhance performance and reliability, TNG Digital proactively revamped its IT architecture. From a solution-driven perspective, the technology needed to be designed and optimized to excel in four key areas:

1.Regulatory Frameworks
2.Security
3.User and Partner Expectations
4.Agility & Scalability

The company encountered a diverse set of opportunities for enhancement across multiple domains, including User Identity management, Payment System, Data Capabilities, Monitoring, Development and Deployment capability across mobile, hardware, and website.

Quality Management Enhancement Opportunity

Ensuring top-quality performance for a widely used financial mobile platform is crucial to delivering an exceptional consumer experience. In recent years, TNG Digital has been experiencing rapid growth, continuously introducing key features such as the Money Packet feature, the TNG eWallet Visa Card, and a range of financial tools and services. To support this expansion, the company remains committed to enhancing its quality management to ensure a seamless and reliable user experience.

1.Enhancing testing efficiency for rapid iterations - Traditional manual testing faced challenges in keeping up with TNG eWallet’s fast-paced updates. As a financial platform, ensuring stability across all required mobile devices and platforms became a top priority, driving the need for a more efficient and scalable testing approach.

2.Optimizing device availability for compatibility testing - To ensure seamless compatibility and UI adaptation across various devices, TNG Digital sought a more cost-effective solution rather than investing in an extensive range of physical devices. This approach aimed to enhance testing efficiency while maintaining a high standard of performance.

3.Adapting to remote work with scalable testing solutions - With employees working remotely during the pandemic, sharing physical mobile devices for collaborative testing became impractical. This challenge accelerated the need for a more flexible and scalable testing framework that could support remote teams while maintaining high efficiency.

Overall, maintaining an agile and highly responsive tech stack was essential to adapting to the evolving consumer and product ecosystem. With both macro and micro factors shaping the landscape, ensuring flexibility and innovation allowed for seamless growth in both the ecosystem and the economy.

The expertise and collaboration of the Alibaba Cloud Technical Support team have contributed to TNG Digital's continuous growth and innovation. The collaboration involves conducting comprehensive assessments of TNG eWallet users’ evolving needs and ensuring optimal resource allocation. This proactive approach enhances service efficiency and enables TNG Digital to maximize the benefits of Alibaba Cloud's robust and scalable infrastructure.

1.Scalability – Alibaba Cloud’s infrastructure has effectively supported TNG eWallet’s ability in handling high traffic and a growing user base, ensuring seamless performance even during peak periods.

2.Reliability – The uninterrupted service during high-traffic events underscore the reliability and robustness of Alibaba Cloud's infrastructure. Advanced security solutions, such as the Web Application Firewall, play a crucial role in safeguarding the platform and preventing service disruptions, ensuring a smooth user experience.

3.Innovation – Alibaba Cloud’s Gamification Solution demonstrates Alibaba Cloud’s commitment to innovation by enhancing user engagement within TNG eWallet. Its interactive features not only drive app usage but also create opportunities for merchants to cross-sell products, helping TNG Digital strengthen its market position and deliver greater value to users.

During the eMADANI initiative, TNG eWallet has achieved a historic milestone by recording its highest-ever Queries Per Second (QPS), reaching an astounding 172,000 queries at 8 a.m. while maintaining uninterrupted service.

This program was designed to promote cashless transactions and provide financial relief to over 10 million eligible Malaysians, offering them RM100 cash through any of the four selected panel e-wallets, including TNG eWallet. The seamless performance demonstrates the strength of Alibaba Cloud's robust infrastructure, featuring technologies like Web Application Firewall, Kubernetes, Elastic Compute Service, PolarDB, and RDS, which collectively ensure scalability, resilience, reliability, stability, and optimal performance for customers.

Alibaba Cloud has taken a multi-pronged approach to combat fraud for TNG Digital. They leverage Zoloz eKYC for robust user onboarding, ensuring secure and verified identities in the initial stages. This helps prevent fraudulent accounts from being created. Furthermore, TNG Digital utilises Neo4j, a powerful graph database, which effectively identifies and mitigates sophisticated fraud transactions. Neo4j's graph-based approach analyzes intricate relationships and patterns within vast datasets, enabling the detection of complex fraud schemes that might otherwise go unnoticed by traditional systems. This combination of technologies strengthens TNG Digital's security position and enhances the overall trust and safety of their platform for users and businesses.

TNG Digital leverages Alibaba Cloud's robust data infrastructure to implement data-driven credit scoring. They use Dataworks for efficient data integration and transformation, while MaxCompute provides a scalable and cost-effective platform for large-scale data processing and user profiling. This comprehensive analysis incorporates diverse data sources related to user behaviour, financial history, and other relevant factors. Based on these insights, TNG Digital utilizes Alibaba Cloud's real-time Decision Engine and advanced machine learning algorithms within the PAI platform to dynamically score users.

To maintain a safe and respectful online community, TNG Digital employs a robust content moderation system. They utilize PAI-EAS, Alibaba Cloud's AI-powered Edge Service, to seamlessly integrate Qwen, a cutting-edge large language model, directly into their real-time comment streams. This integration allows for continuous and immediate analysis of user comments, effectively identifying and flagging potentially harmful content such as spam, abusive language, hate speech, or any violations of their community guidelines. By proactively monitoring user-generated content, TNG Digital ensures a positive and inclusive experience for all users, while maintaining a safe and trustworthy platform.

Gamification Solution

As TNG Digital continues its strong growth trajectory, competition among e-wallet providers is also intensifying. However, having established itself as Malaysia’s biggest e-wallet, TNG Digital remains focused on enhancing user engagement and delivery exceptional digital experiences. To support TNG Digital in maintaining its market leadership, Alibaba Cloud has introduced an interactive 'Gamification User Growth' Hybrid Cloud Solution within the app. This innovative feature enhances user participation by incorporating a Mini Game Center, offering a fun and engaging way to achieve key business objectives, such as:

1.Boosting Daily Active Users (DAU) by encouraging users to engage with the app daily, ensuring consistent in-game progression and sustained interaction.

2.Enhancing GOrewards engagement by providing a fun and competitive way for users to redeem their GOrewards points, allowing them to exchange points for additional game chances.

3.Maximizing in-app engagement by increasing session duration as users immerse themselves in interactive and entertaining gameplay.

4.Driving product discovery by seamlessly integrating cross-selling opportunities, where users unlock exclusive discount vouchers as they progress in the game.

TNG Digital has not only achieved its target but also set a new benchmark for its platform’s capabilities, showcasing its ability to scale and innovate even under pressure.

With an unwavering commitment to innovation and excellence, TNG Digital continues to shape the Malaysian technology landscape, inspiring industry players to push the boundaries of fintech and drive meaningful advancements.

Its collaboration with Alibaba Cloud exemplifies the transformative power of technology, positioning TNG Digital at the forefront of Malaysia’s digital evolution. Together, they are empowering individuals and businesses with cutting-edge solutions that enhance financial inclusion and contribute to sustainable economic growth.