Moby
Location:
3003
3003
About Moby:
Moby is a pioneering Malaysian fintech startup positioned as the ""Islamic Neobank serving emerging markets"". Originally launched in 2018 as a credit-decisioning app called Mobylize, the company officially transitioned into Moby Money Sdn. Bhd. in 2019. Between 2020 and 2023, Moby established itself as a major player in the Buy Now, Pay Later (BNPL) sector by launching both conventional BNPL and Moby Islamic, Malaysia's first truly Shariah-compliant BNPL platform. Moby was founded to solve the ""broken status quo"" of legacy banking, which relies on 50-year-old scorecards, is ""blind"" to 70% of the digital-first economy, and leaves a massive $5.7 trillion financing gap. Led by Founder and CEO Rian Philip, Moby shifts the financial paradigm from interest-based extraction to value-sharing through participation, behavioral data, and embedded finance. At the core of its ecosystem is Moby AI, a proprietary artificial intelligence engine that transforms raw transaction flow into multi-dimensional risk profiles to accurately predict merchant creditworthiness. Moby provides a full-spectrum omni-channel platform for businesses, offering tools like Smart POS terminals, a unified Payment Gateway (Moby Checkout), payment links, and B2B supply chain financing. Moby has demonstrated significant traction, generating over RM12 million in BNPL Gross Merchandise Value (GMV) with non-performing loans kept exceptionally low. Through strategic partnerships with major institutions like OCBC and Bank Islam, Moby continues to aggressively scale its ethical neo-banking ecosystem, bridging the gap between digital merchants and consumers.
Moby is a pioneering Malaysian fintech startup positioned as the ""Islamic Neobank serving emerging markets"". Originally launched in 2018 as a credit-decisioning app called Mobylize, the company officially transitioned into Moby Money Sdn. Bhd. in 2019. Between 2020 and 2023, Moby established itself as a major player in the Buy Now, Pay Later (BNPL) sector by launching both conventional BNPL and Moby Islamic, Malaysia's first truly Shariah-compliant BNPL platform. Moby was founded to solve the ""broken status quo"" of legacy banking, which relies on 50-year-old scorecards, is ""blind"" to 70% of the digital-first economy, and leaves a massive $5.7 trillion financing gap. Led by Founder and CEO Rian Philip, Moby shifts the financial paradigm from interest-based extraction to value-sharing through participation, behavioral data, and embedded finance. At the core of its ecosystem is Moby AI, a proprietary artificial intelligence engine that transforms raw transaction flow into multi-dimensional risk profiles to accurately predict merchant creditworthiness. Moby provides a full-spectrum omni-channel platform for businesses, offering tools like Smart POS terminals, a unified Payment Gateway (Moby Checkout), payment links, and B2B supply chain financing. Moby has demonstrated significant traction, generating over RM12 million in BNPL Gross Merchandise Value (GMV) with non-performing loans kept exceptionally low. Through strategic partnerships with major institutions like OCBC and Bank Islam, Moby continues to aggressively scale its ethical neo-banking ecosystem, bridging the gap between digital merchants and consumers.