Discover the vision, mission, and story behind the Cashless Society Initiative
"Mudah. Pantas. Selamat."
ABOUT US
Initiating a Cashless Society in Malaysia
The Cashless Society Initiative aims to stimulate the culture of a “Digital First Society” and increase public awareness that the adoption of digital payments is convenient, secure, fast, and easy – which is in line with the Online Safety Act 2025 (ONSA), addressing emerging threats such as financial fraud and online scams to foster a more secure digital environment for the community. The initiative also aims to enable hybrid sales for small traders/retailers to expand their market through digital channels, increase income opportunities, and ensure business continuity during unexpected calamities like floods, COVID-19, etc.
The Cashless Society Initiative has introduced the Cashless Society Framework, which is guided by four key pillars: Digital & Financial Literacy, Security & Safety, Income Opportunity, and Capacity Building. The success of this framework is assessed by the number of community touchpoints that are digital-ready through the implementation of the aforementioned pillars, the number of cashless payments transacted, and the number of traders onboarded on digital platforms.
The first phase was launched in Melaka and at 28 NADI centers nationwide in early 2023. The Cashless Society Initiative was then continued in Phase 2 2024 in Johor, Negeri Sembilan, and Pahang, and in Phase 3 2025 in Perak, Sabah, and Sarawak. As of 31 December 2025, this promotional and awareness campaigns successfully achieved 26,022 cashless transactions and registered 4,572 merchants on the digital premise. Based on these encouraging achievements, this initiative will continue to Phase 4 2026 in Melaka, Selangor, and Wilayah Persekutuan.
To broaden its outreach, MCMC introduced the Cashless Society Train-the-Trainers (CS3T) programme under the Cashless Society Initiative, empowering NADI Managers to lead awareness and training sessions within their own communities. The CS3T pilot programme was implemented in Sabah and Sarawak in 2025. As of December 2025, the programme had been conducted at 31 touchpoints and trained 449 individuals. Following the positive impacts, the CS3T programme will be expanded to other states starting in 2026.
The 4 Initiative Pillars
The initiative is guided by four pillars: Digital & Financial Literacy, Security & Safety, Income Opportunity, and Capacity Building. With success measured by community digital readiness, cashless transaction volumes, and traders’ participation with online business.
Financial & Digital Literacy
Ensuring that everyone, regardless of their socioeconomic status, has access to financial services. It also includes awareness on effective and informed decisions.
Security & Safety
An awareness on current challenges use of digital transactions, and to promote secure use of digital transactions, fraud prevention, and data privacy.
Capacity Building
To conduct capacity building programmes and training for digital transactions.
Income Opportunity
To generate income within digital realm.
PROGRAMMES
Cashless Society
Programmes
1
Industry Roundtable & Briefing Session
2
Cashless @ NADI Programme
3
Cashless Carnival @ NADI Programme
4
Cashless @ State Programme
5
Cashless Society Train-the-Trainers (CS3T)
6
Adhoc
Industry Roundtable & Briefing Session
Industry Roundtable and Briefing Session aim to coordinate implementation and align stakeholders for the successful rollout of the programme in every state.
State covered: Industry Roundtable Phase 2, Briefing Session Negeri Sembilan, Briefing Session Pahang, Industry Roundtable Phase 3 and Appreciation Ceremony, Briefing Session Sabah, Briefing Session Sarawak
Cashless @ NADI Programme
Cashless @NADI programme is implemented across selected National Information Dissemination Centre (NADI) locations in Malaysia.
State covered: Johor, Negeri Sembilan, Pahang, Perak, Sabah, Sarawak
Cashless Carnival @ NADI Programme
Cashless Carnival @NADI Programme is implemented across selected National Information Dissemination Centre (NADI) locations in Malaysia.
State covered: Johor, Negeri Sembilan, Pahang, Perak, Sabah, Sarawak
Cashless @ State Programme
Cashless @ State programme is implemented in collaboration with state governments and strategic partners at state-level events.
State covered: Melaka, Johor, Negeri Sembilan, Pahang, Perak, Sarawak
Cashless Society Train-the-Trainers (CS3T)
The CS3T Programme strengthens community outreach by empowering NADI Managers as community multipliers who guide underserved communities in adopting safe and secure digital financial platforms, creating a ripple effect where local leaders inspire communities, drive digital adoption, and ensure programme sustainability.
State covered: Sabah, Sarawak
Adhoc
State covered: Borneo Flora Festival (BFF) Labuan 2025, Jelajah Karnival KPDN 2025 Zon Tengah
GALLERY
Event Photos of the Cashless Society Initiative
View event photos showcasing the Cashless Society Initiative's activities, involvement and achievements.
View galleryKEY STATISTICS
Initiative Impact: Key insights into the growth of the Cashless Society Initiative.
Learn more62574
No. of Visitors
26022
No. of cashless transactions
4572
New Digital Traders Onboarded onto the Digital Premise
1348
No. of Awareness Activities
449
No. of Communities Trained for Cashless Society Train-the-Trainers (CS3T)
(as of December 2025)
