I believe BigPay is winning the Malaysia fintech game next year.

- The only new fintech co doesn't try to build its own QR code network but leverage on existing infra.
- IT execution is top notch - very polished app, very appealing to tech savvy youngsters.
- When EMV tokenization implementations like Apple Pay/Google Pay enter, BigPay is the only one outside of big banks that can work with them.

Blog post: MY e-wallet predictions in 2Q19