YONO: Sabah’s FinTech

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Sabah, Nov 9: Sabah Credit Corporation (SCC) has announced the extension of its collaboration with Alibaba Cloud, the digital technology and intelligence backbone of Alibaba Group.
The result of this partnership is the unveiling of YONO, a revolutionary financial Super App aimed at enhancing digitalization and providing a seamless experience for customers in the state of Sabah.
YONO, powered by Alibaba Cloud’s Enterprise Mobile Application Studio (EMAS) Super App solution, consolidates three key applications—YONO Finance (SCC’s core financing app), Sabah Pay, and YONOPay (consumers’ e-wallet)—into a single mobile touchpoint.
This integration not only streamlines user experience but also enables SCC to overcome technical obstacles, expedite time-to-market for Super App development, and collaborate seamlessly with third-party partners to create mini-apps. Additionally, centralized app management allows for efficient management of mini-app lifecycles at minimal cost.
George Taitim Tulas, CEO of Sabah Credit Corporation, expressed the organization’s commitment to empowering users in the ever-changing financial landscape through Alibaba Cloud’s proven technology. He emphasized building on the success of Sabah Pay and taking the partnership with Alibaba Cloud to new heights.
The collaboration between SCC and Alibaba Cloud dates back to 2020 when Alibaba Cloud provided its Infrastructure-as-a-Service (IaaS) to host Sabah Pay, SCC’s payment aggregator.
Kun Huang, General Manager of Malaysia, Alibaba Cloud Intelligence, highlighted the potential of Super Apps, especially those built with the EMAS Super App ecosystem, in unlocking infinite business possibilities and providing a seamless user experience.
This collaboration marks the first deployment of the EMAS Super App framework for a Malaysian State government agency.
The EMAS Super App ecosystem, introduced locally in June, offers various capabilities to help enterprises build a Super App with a rich ecosystem, including components for app infrastructure, business features, containers for running mini-apps, and platforms for mini-app development and operation.
Alibaba Cloud’s long-term commitment to empowering Malaysia’s financial services institutions (FSIs) is evident in its support for enterprises across banking, insurance, securities, and FinTech to digitize their operations.
Notable customers in Malaysia, including Touch’n Go Digital, Permodalan Nasional Berhad (PNB), and Malacca Securities, are leveraging Alibaba Cloud’s financial service solutions.
As a leading global cloud service provider, Alibaba Cloud boasts a network of 89 availability zones in 30 regions worldwide, offering highly secure, scalable, and robust cloud infrastructure.
The company established twin local data centers in Malaysia in 2017 and launched its first cloud-based Anti-DDoS Scrubbing Center locally in 2018, demonstrating its commitment to supporting digital innovation while prioritizing sustainability.

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