{"id":15062,"date":"2024-06-12T17:02:12","date_gmt":"2024-06-12T09:02:12","guid":{"rendered":"https:\/\/qashier.com\/my\/?p=15062"},"modified":"2024-06-12T17:02:12","modified_gmt":"2024-06-12T09:02:12","slug":"affordable-access-to-digitalisation-financial-inclusion-for-msmes","status":"publish","type":"post","link":"https:\/\/qashier.com\/my\/blog\/2024\/06\/12\/affordable-access-to-digitalisation-financial-inclusion-for-msmes\/","title":{"rendered":"Affordable Access to Digitalisation: Financial Inclusion for MSMEs"},"content":{"rendered":"<p><span style=\"font-weight: 400\">Is financial inclusion for MSMEs thriving in Southeast Asia, or are they still stinging from limited access? What statistics show that MSMEs get their fair share of the financial love and support they deserve?<\/span><\/p>\n<p><b>High five, Southeast Asia! <\/b><span style=\"font-weight: 400\">Among 42 global markets, 4 Southeast Asian countries <\/span><i><span style=\"font-weight: 400\">(Singapore, Thailand, Vietnam, and Malaysia) <\/span><\/i><span style=\"font-weight: 400\">excelled in the 2023 Global Financial Inclusion Index. All four countries have secured top 20 positions, with Singapore leading the pack. Thailand was at a solid 10th place, Vietnam closed at 17th, and Malaysia occupied 18th.<\/span><\/p>\n<figure id=\"attachment_15063\" aria-describedby=\"caption-attachment-15063\" style=\"width: 694px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-15063 size-full\" src=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/1-Source_-2023-2022-Global-Financial-Inclusion-Index-Principal-Financial-Group.png\" alt=\"\" width=\"694\" height=\"447\" srcset=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/1-Source_-2023-2022-Global-Financial-Inclusion-Index-Principal-Financial-Group.png 694w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/1-Source_-2023-2022-Global-Financial-Inclusion-Index-Principal-Financial-Group-300x193.png 300w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/1-Source_-2023-2022-Global-Financial-Inclusion-Index-Principal-Financial-Group-600x386.png 600w\" sizes=\"(max-width: 694px) 100vw, 694px\" \/><figcaption id=\"caption-attachment-15063\" class=\"wp-caption-text\"><a href=\"https:\/\/static.poder360.com.br\/2023\/10\/Global-Financial-Inclusion-2023-Principal-Group.pdf\" target=\"_blank\" rel=\"noopener\">Source: 2023 &amp; 2022 Global Financial Inclusion Index, Principal Financial Group<\/a><\/figcaption><\/figure>\n<p><span style=\"font-weight: 400\">So, how did the SEA-4 countries climb the mountain of financial inclusion? There are three distinct \u2018\u2018phases\u2019\u2019 each country goes through (<\/span><a href=\"https:\/\/static.poder360.com.br\/2023\/10\/Global-Financial-Inclusion-2023-Principal-Group.pdf\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400\">refer to the image below<\/span><\/i><\/a><i><span style=\"font-weight: 400\">) <\/span><\/i><span style=\"font-weight: 400\">under three different pillars of financial inclusion. Each phase reflects how mature the market economy is and how the citizens interact with financial institutions.<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-large wp-image-15064\" src=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/2-Three-pillars-and-phases-of-financial-inclusion-1024x683.jpg\" alt=\"\" width=\"1024\" height=\"683\" srcset=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/2-Three-pillars-and-phases-of-financial-inclusion-1024x683.jpg 1024w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/2-Three-pillars-and-phases-of-financial-inclusion-300x200.jpg 300w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/2-Three-pillars-and-phases-of-financial-inclusion-768x512.jpg 768w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/2-Three-pillars-and-phases-of-financial-inclusion-600x400.jpg 600w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/2-Three-pillars-and-phases-of-financial-inclusion.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p><span style=\"font-weight: 400\">The results also show that:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><b>Malaysia &amp; Vietnam <\/b><span style=\"font-weight: 400\">are still building their financial inclusion muscles, currently in Phase 1 \u2192 Phase 2 with plenty of room for growth.<\/span><\/li>\n<li style=\"font-weight: 400\"><b>Thailand <\/b><span style=\"font-weight: 400\">is a higher achiever and advances from Phase 2 \u2192 Phase 3.<\/span><\/li>\n<li><b style=\"font-style: inherit\">Singapore <\/b><span style=\"font-weight: 400\">has aced all 3 phases and is now tapping into a new level of financial inclusion with its unique approach. What could that be?<\/span><\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-15065\" src=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/3-Source_-ICMR-Research-2023.png\" alt=\"\" width=\"987\" height=\"671\" srcset=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/3-Source_-ICMR-Research-2023.png 987w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/3-Source_-ICMR-Research-2023-300x204.png 300w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/3-Source_-ICMR-Research-2023-768x522.png 768w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/3-Source_-ICMR-Research-2023-600x408.png 600w\" sizes=\"(max-width: 987px) 100vw, 987px\" \/><\/p>\n<h2><b>Diverse World of Malaysian MSMEs<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Who are the hidden giants of the Malaysian economy? Precisely, a whopping 1.2 million MSMEs make up 97.4 percent of all businesses in the country! These unassuming MSMEs are the backbone of Malaysia and have contributed<\/span><a href=\"https:\/\/documents1.worldbank.org\/curated\/en\/099255003152238688\/pdf\/P17014606709a70f50856d0799328fb7040.pdf\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">38 percent to GDP, with an employed workforce of 48 percent, and generated 10.5 percent of exports in 2022<\/span><\/a><span style=\"font-weight: 400\">.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-15066\" src=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/4-Distribution-of-MSMEs-in-Malaysia-by-size.png\" alt=\"\" width=\"781\" height=\"296\" srcset=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/4-Distribution-of-MSMEs-in-Malaysia-by-size.png 781w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/4-Distribution-of-MSMEs-in-Malaysia-by-size-300x114.png 300w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/4-Distribution-of-MSMEs-in-Malaysia-by-size-768x291.png 768w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/4-Distribution-of-MSMEs-in-Malaysia-by-size-600x227.png 600w\" sizes=\"(max-width: 781px) 100vw, 781px\" \/><\/p>\n<p><span style=\"font-weight: 400\">Moreover, Malaysia defines<\/span><b><i> micro, small, and medium<\/i><\/b><span style=\"font-weight: 400\"> slightly differently than other ASEAN neighbours. The table below shows how diverse these MSMEs are and vary in terms of the number of <\/span><a href=\"https:\/\/irff.undp.org\/sites\/default\/files\/2024-03\/building-msme-resilience-in-southeast-asia_0.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">employees, and sales turnover with revenue.<\/span><\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-15067\" src=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/5-Source_-ASEAN-2024.png\" alt=\"\" width=\"954\" height=\"794\" srcset=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/5-Source_-ASEAN-2024.png 954w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/5-Source_-ASEAN-2024-300x250.png 300w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/5-Source_-ASEAN-2024-768x639.png 768w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/5-Source_-ASEAN-2024-600x499.png 600w\" sizes=\"(max-width: 954px) 100vw, 954px\" \/><\/p>\n<h2><b>Challenges and Potential Solutions to Digital Financial Inclusion for MSMEs<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Although Malaysia has made strides in financial inclusion based on the global index, smaller-scale MSMEs are still facing hurdles when fully embracing digital financial services.\u00a0<\/span><\/p>\n<h3><b>1. Limited Access to Affordable Digital Payment Solutions<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Traditional payment terminal providers often have high upfront costs and long-term contracts, primarily catering to larger businesses. This leaves micro-merchants with limited options for affordable digital payment solutions due to restricted capital or fluctuating incomes, hindering financial inclusion for MSMEs.<\/span><\/p>\n<p><b>Solution<\/b><span style=\"font-weight: 400\">: Fintech companies like<\/span><a href=\"https:\/\/qashier.com\/my\/qashier-support-package\/\"> <span style=\"font-weight: 400\">Qashier<\/span><\/a><span style=\"font-weight: 400\"> are stepping in with more accessible options. Their pricing structures are competitive, with lower upfront costs and flexible payment options, making acquiring a terminal a realistic possibility for MSMEs&#8217; needs. <\/span><i><span style=\"font-weight: 400\">Scroll to <\/span><\/i><span style=\"font-weight: 400\">the <\/span><i><span style=\"font-weight: 400\">bottom to find your MSME business needs.<\/span><\/i><\/p>\n<h3><b>2. Financial Literacy and Digital Divide<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Many MSME owners lack the necessary digital literacy skills to manage businesses remotely, access online training resources, or navigate government support programs offered online. Their limitations hinder them from leveraging the benefits of digitalisation.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Meanwhile, the upfront costs of hardware, software, and potentially internet upgrades can be a significant financial barrier for rural MSMEs. Many are hesitant with digital tools without a clear understanding of the return on investment.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Despite Malaysian internet users reaching <\/span><a href=\"https:\/\/www.statista.com\/statistics\/553752\/number-of-internet-users-in-malaysia\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">33.59 million<\/span><\/a><span style=\"font-weight: 400\"> in 2024, rural areas in East Malaysia like<\/span><a href=\"https:\/\/www.thestar.com.my\/news\/nation\/2024\/03\/29\/sabah-internet-still-has-big-room-for-improvement\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">Sabah<\/span><\/a><span style=\"font-weight: 400\"> and<\/span><a href=\"https:\/\/www.newsarawaktribune.com.my\/bridging-rural-internet-divide\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">Sarawak<\/span><\/a><span style=\"font-weight: 400\"> suffer from poor and unstable internet connectivity.<\/span><\/p>\n<p><b>Solution:<\/b><a href=\"https:\/\/fintechnews.my\/37202\/financial-inclusion\/bnm-lays-out-second-financial-inclusion-framework-for-the-next-4-years\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">Bank Negara Malaysia<\/span><\/a><span style=\"font-weight: 400\"> and collaborations with fintech companies can address this gap by offering financial literacy programs specifically for MSMEs. These programs help MSME owners manage<\/span><a href=\"https:\/\/mdec.my\/malaysiadigital\/business\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\"> finances<\/span><\/a><span style=\"font-weight: 400\"> and utilise digital tools.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">In addition, expanding internet access in rural areas and providing mobile-friendly financial services can narrow the digital divide gap across Malaysia. The Malaysian government is actively working to<\/span><a href=\"https:\/\/www.kkd.gov.my\/en\/public\/news\/21663-govt-installing-fibre-optic-pop-in-sabah-schools-to-provide-better-internet-access-says-minister\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">address internet access issues<\/span><\/a><span style=\"font-weight: 400\"> as internet services are unstable, even with 4G internet in rural areas.<\/span><\/p>\n<h3><b>3. Regulatory Hurdles and Informal Business Practices<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Navigating the complex regulations surrounding financial services often discourages micro-merchants from exploring alternative financing options or delaying access to essential financial services. This poses a barrier to financial inclusion for MSMEs. Moreover, micro merchants operating in the informal sector face difficulties meeting the formal requirements of traditional financial institutions.<\/span><\/p>\n<p><b>Solution:<\/b><span style=\"font-weight: 400\"> Regulatory reforms that simplify financial services for MSMEs can streamline the application process and boost participation. Additionally, initiatives that encourage the<\/span><a href=\"https:\/\/mdec.my\/malaysiadigital\/business\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">formalisation of informal businesses<\/span><\/a><span style=\"font-weight: 400\"> can help these enterprises access the mainstream financial system. <\/span><a href=\"https:\/\/akpk.org.my\/sme-toolkit\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">MyBijakNiaga SME toolkit<\/span><\/a><span style=\"font-weight: 400\"> enables MSMEs and new entrepreneurs to record financial transactions, and financial health, <\/span><i><span style=\"font-weight: 400\">and <\/span><\/i><span style=\"font-weight: 400\">track sales and profits for banking purposes.<\/span><\/p>\n<h3><b>4. Limited Access to Alternative Financing Options<\/b><\/h3>\n<p><a href=\"https:\/\/www.isdb.org\/sites\/default\/files\/media\/documents\/2023-12\/Ecosystem%20for%20Effective%20Solutions%20to%20Support%20MSME%26%23039%3Bs%20Covid-19%20Recovery%20%26amp%3B%20Resilience%2C%20June%202023.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">40 percent of MSMEs have unmet financing needs<\/span><\/a><span style=\"font-weight: 400\"> and struggle to secure bank loans. It is challenging for MSMEs to obtain financing for equipment upgrades or working capital since many microbusinesses operate informally and lack credit history and formal documentation for loans.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Meanwhile, there are market-based financing options aimed at business expansion, but MSMEs under-utilise them. Interestingly,<\/span><a href=\"https:\/\/thesun.my\/business\/market-based-financing-critical-in-empowering-sme-innovation-icmr-PB12137923\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">61 percent of MSMEs with no prior experience in market-based financing are aware of its existence and open to exploring it<\/span><\/a><span style=\"font-weight: 400\">. The remaining 39 percent are still unaware of these alternative financing options.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-15068\" src=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/6-Source_-Institute-for-Capital-Market-Malaysia.png\" alt=\"\" width=\"820\" height=\"376\" srcset=\"https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/6-Source_-Institute-for-Capital-Market-Malaysia.png 820w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/6-Source_-Institute-for-Capital-Market-Malaysia-300x138.png 300w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/6-Source_-Institute-for-Capital-Market-Malaysia-768x352.png 768w, https:\/\/qashier.com\/my\/wp-content\/uploads\/sites\/7\/2024\/06\/6-Source_-Institute-for-Capital-Market-Malaysia-600x275.png 600w\" sizes=\"(max-width: 820px) 100vw, 820px\" \/><\/p>\n<p><b>Solution:<\/b><span style=\"font-weight: 400\"> Malaysian government has introduced <\/span><a href=\"https:\/\/syncpr.co\/2024\/02\/29\/grants-and-finance-aids-for-smes-in-malaysia\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">various grants and government-linked investment funds subsidies<\/span><\/a><span style=\"font-weight: 400\"> to support MSMEs in advancing their businesses.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Other viable financing solutions include fintech peer-to-peer (P2P) lending and crowdfunding. The current P2P lending platforms to look for include CoFundr, microLEAP and Capshere. View the list of <\/span><a href=\"https:\/\/fintechmalaysia.org\/financial-assistance-peer-2-peer-lending\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">P2P financing<\/span><\/a><span style=\"font-weight: 400\"> options and<\/span><a href=\"https:\/\/fintechmalaysia.org\/financial-assistance-equity-crowdfunding\/\" target=\"_blank\" rel=\"noopener\"> <span style=\"font-weight: 400\">equity crowdfunding<\/span><\/a><span style=\"font-weight: 400\"> options here.<\/span><\/p>\n<h2><b>Power Up Your MSMEs Business with Qashier<\/b><\/h2>\n<p><span style=\"font-weight: 400\">Are you feeling left behind in the digital age? <\/span><\/p>\n<p><span style=\"font-weight: 400\">Stop wondering,<em> &#8216;Where do I get a reliable payment terminal?&#8217;<\/em> . <\/span><\/p>\n<p><span style=\"font-weight: 400\">Many merchants, like you, face limited choices when accepting digital payments, hindering financial inclusion for MSMEs. Qashier is here to be your financial <em>shinobi<\/em>, helping smaller-scale businesses to bridge the digital gap.<\/span><\/p>\n<h3><b>QashierXS Smart Terminal\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400\">QashierXS (under 500 grams) is an ultra-portable POS terminal that packs a punch. This full-function system is the key to your mobile business freedom.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400\"><i><span style=\"font-weight: 400\">Bawa saje <\/span><\/i><span style=\"font-weight: 400\">to<\/span><span style=\"font-weight: 400\">\u00a0sell from anywhere &#8211; <em>pasar, gerai,<\/em> pop-up events, or straight to your customer\u2019s location.<\/span><\/li>\n<li style=\"font-weight: 400\"><span style=\"font-weight: 400\">Accept all the payment methods your customer loves &#8211; credit\/debit cards, popular e-wallets, pay-by-link options, and QR payments with QashierPay.\u00a0<\/span><\/li>\n<li>Issue <span style=\"font-weight: 400\">digital receipts instantly via e-invoice and keep your sales records organised.<\/span><\/li>\n<\/ul>\n<h3><b>Skip the Wait for Bank Approval<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Qashier ditches the banking red tape and gets you set up to accept payments faster. You get a super-easy signup process without any lengthy application process, while<\/span><i><span style=\"font-weight: 400\"> skipping the long wait<\/span><\/i><span style=\"font-weight: 400\">.\u00a0<\/span><\/p>\n<h3><b>Qashier Support Package: Your Partner in Digital Success<\/b><\/h3>\n<p><span style=\"font-weight: 400\">Go Digital Together! Transitioning your business digitally can be more than a solo mission. Qashier is your MSMEs business digital partner with a comprehensive support package, helping you to dominate the cashless world.<\/span><\/p>\n<p>Here&#8217;s what <a href=\"https:\/\/qashier.com\/my\/qashier-support-package\/\" target=\"_blank\" rel=\"noopener\"><b>Qashier Support Package<\/b><\/a> has in store for you:<\/p>\n<ul>\n<li style=\"font-weight: 400\"><b><i>Have A-Z Questions to Clarify<\/i><\/b><span style=\"font-weight: 400\">? Sure, we have the Answers! Our friendly trilingual support team is just a call or message away, ready to guide you through any digital concerns.<\/span><\/li>\n<li style=\"font-weight: 400\"><b><i>Level Up Your Skills<\/i><\/b><span style=\"font-weight: 400\">: You get full access to exclusive training materials and resources online and learn all the ins and outs to maximise the features while taking your business to the next level.<\/span><\/li>\n<li style=\"font-weight: 400\"><b><i>Stay Ahead Digitally:<\/i><\/b><span style=\"font-weight: 400\"> The digital payments world changes fast. Qashier helps you stay ahead of the curve with ongoing industry insights and updates. Even with all the twists and turns, your business is always compliant and competitive.<\/span><\/li>\n<\/ul>\n<p><b>Ready to take your MSMEs digital success<\/b><span style=\"font-weight: 400\">? Get started with the Qashier Support Package OR sign up for your<\/span><a href=\"https:\/\/qashier.com\/my\/qashierxs\/\"> <b>QashierXS terminal<\/b><\/a> <span style=\"font-weight: 400\">today!\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400\">(<\/span><i><span style=\"font-weight: 400\">*New users in Malaysia are entitled to 3 months or 6 months flexible payment plans, check your eligibility with our team*)<\/span><\/i><\/p>\n<p class=\"p1\"><i>More about Qashier<\/i><\/p>\n<p class=\"p1\"><i>Qashier offers multiple digital solutions, including QR code table ordering, table management (F&amp;B), employee management, customer relationship management (loyalty programs), inventory management, data analytics, and cashless payments, in an all-in-one device.<\/i><\/p>\n<p class=\"p1\"><i>Qashier promises a seamless setup without any need for technical expertise. It boasts a user-friendly interface that is simple for anyone to learn and use. In addition, you\u2019ll find 7 days-a-week responsive technical support from the local team if you require assistance.<\/i><\/p>\n<p class=\"p1\"><i>Try the Qashier app for free on your own Android device! Alternatively, you can speak to us to see how Qashier can meet your business needs. Schedule a meeting with us <\/i><a href=\"#sign-up-now\"><i>here<\/i><\/a><i>, <\/i><a href=\"https:\/\/wa.link\/6re8zp\"><i>WhatsApp (+60) 12 660 2741<\/i><\/a><i>, or email <\/i><a href=\"mailto:hello.my@qashier.com\"><span class=\"s1\"><i>hello.my@qashier.com<\/i><\/span><\/a><i>.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is financial inclusion for MSMEs thriving in Southeast Asia, or are they still stinging from limited access? What statistics show that MSMEs get their fair share of the financial love and support they deserve? High five, Southeast Asia! Among 42 global markets, 4 Southeast Asian countries (Singapore, Thailand, Vietnam, and Malaysia) excelled in the 2023 &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/qashier.com\/my\/blog\/2024\/06\/12\/affordable-access-to-digitalisation-financial-inclusion-for-msmes\/\"> <span class=\"screen-reader-text\">Affordable Access to Digitalisation: Financial Inclusion for MSMEs<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":27,"featured_media":15069,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","site-sidebar-layout":"default","site-content-layout":"default","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[59],"tags":[126,188],"class_list":["post-15062","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-running-your-business","tag-investing-in-a-pos-system","tag-qashier-support-package"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Affordable Access to Digitalisation: Financial Inclusion for MSMEs<\/title>\n<meta name=\"description\" content=\"Discover the latest trends, challenges, and solutions for MSMEs financial inclusion. 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