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 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. For Phase 4 2026, the initiative has been implemented in Melaka and Wilayah Persekutuan, before concluding with its rollout in Johor, which is scheduled to commence in August 2026. As of July 2026, the promotion and awareness campaign has successfully recorded 29,785 cashless transactions, while 4,698 traders have been successfully onboarded onto digital platforms.
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. Following its encouraging achievements and positive community response, the programme was expanded in 2026 to additional states, namely Melaka, Wilayah Persekutuan and Johor. As of July 2026, the programme has been implemented across 60 locations and has successfully trained 827 individuals.
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, Digital Trust and Community Empowerment: Cashless Society Initiative Phase 4, Cashless Society Initiative Phase 4 Wilayah Persekutuan Roundtable 2026, Cashless Society Initiative Phase 4 Johor Roundtable 2026
Cashless @ NADI Programme
Cashless @NADI programme is implemented across selected National Information Dissemination Centre (NADI) locations in Malaysia.
State covered: Johor Phase 2, Negeri Sembilan, Pahang, Perak, Sabah, Sarawak, Melaka, Wilayah Persekutuan, Johor Phase 4
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, Melaka, Wilayah Persekutuan (W.P.)
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 Kota Marudu, Melaka, Wilayah Persekutuan
Adhoc
State covered: Borneo Flora Festival (BFF) Labuan 2025, Jelajah Karnival KPDN 2025 Zon Tengah, Cashless@NADI Kampung Ranau, Kota Marudu, Sabah, Program Kesejahteraan dan Pemerkasaan Keluarga Angkatan Tentera Malaysia (ATM)
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 more74726
No. of Visitors
36036
No. of cashless transactions
4898
New Digital Traders Onboarded onto the Digital Premise
1872
No. of Awareness Activities
1079
No. of Individuals Trained for Cashless Society Train-the-Trainers (CS3T)
(as of September 2026)
