The UNCDF Malaysia team conducted primary research with low- and middle-income customers in different parts of Malaysia in order to understand their digital and financial lives and needs. The team spoke with a wide variety of population segments, of different ages, locations, genders and employment status.

The i3 Program, funded by MetLife Foundation and implemented by the UN Capital Development Fund (UNCDF), works to catalyse the use of digital technology to achieve the financial inclusion of people with low-to-moderate income in Bangladesh, China, Malaysia and Viet Nam. In Malaysia, the programme enables service providers, including financial institutions and fintech start-ups, to introduce products and services that promote inclusive finance and improve the financial health of low- and middle-income Malaysians across the country.