The Technology Practice Group, led by Ong Johnson and Lo Khai Yi, is widely recognised across the market, regulatory landscape, and industry ecosystem as being at the forefront of fintech, blockchain, and digital asset development in Malaysia. The team is known for its commanding understanding of the evolving regulatory, technological, and commercial frameworks underpinning these sectors, and is consistently engaged by clients seeking structured, strategic guidance in navigating highly dynamic and innovation-driven environments.
The team has extensive experience across the full spectrum of traditional fintech regulatory work, including advisory, compliance, legal documentation, and licensing applications. Their work spans e-money and e-wallet structures, payment systems and payment gateways, remittance, moneylending, and other foundational financial services activities. This breadth of involvement enables the team to support clients through end-to-end regulatory engagements, including the preparation of operational documents, policies, and supporting submissions, and direct engagement with regulators.
However, what truly distinguishes Ong Johnson and Lo Khai Yi in the market is their depth of involvement in the emerging fintech and digital asset landscape. The team advises on the full suite of blockchain and crypto-related matters, including digital asset exchanges, digital asset custody, stablecoin structures, crypto-as-payment models, tokenised deposits, the Securities Commission Malaysia’s regulatory sandbox, and the Digital Asset Innovation Hub’s stablecoin sandbox. Their experience further extends to the tokenisation of real-world assets, decentralised finance peer-to-peer (DeFi P2P) structures, buy-now-pay-later (BNPL) solutions, consumer credit regulation, money broking licences, managed trust licences, and other next-generation fintech innovations.
Clients and industry participants frequently value not only the team’s legal expertise but also their practical and technical understanding of emerging technologies. As many of these developments operate at the intersection of law, technology, economics, and regulatory policy, the team is known for providing hands-on guidance, including support in business planning, drafting of white papers, preparation of consultation papers, and structured facilitation of discussions with regulators such as Bank Negara Malaysia, the Securities Commission Malaysia, and the Labuan Financial Services Authority. Their ability to combine regulatory insight with technical literacy enables seamless support throughout consultation, design, and implementation phases.
Both Ong Johnson and Lo Khai Yi are regularly involved in policy-shaping discussions relating to tokenised deposits, RWA tokenisation, stablecoins, and the use of digital assets in payment flows. Their perspectives are sought after in industry roundtables, conferences, congresses, and forums, and they are frequently invited by BFM radio and other industry platforms to share insights on regulatory developments, market trends, and the future of fintech and digital assets. Their contributions reflect an active role in pushing boundaries and advancing national conversations on digital finance innovation.
The Technology Practice Group continues to advise a wide range of organisations operating across the fintech ecosystem, including traditional financial institutions, multinational financial service providers, international crypto and digital asset players, payment companies, and emerging fintech start-ups. Ong Johnson and Lo Khai Yi are widely regarded by the market as among the most sought-after advisers for fintech, blockchain, and digital asset matters, with clients consistently relying on their structured approach, sectoral understanding, and ability to guide complex, high-growth projects within an evolving regulatory framework.
Recognition
EXPERTISE
