With strategic investments in seamless payments, app-driven security and user empowerment, the bank is shaping digital banking for a real-time, mobile-first future
As digital banking evolves in the ASEAN region, customers have begun to view real-time payment capabilities as a necessity rather than just an option. UOB Malaysia has responded by rethinking the role of mobile platforms not just as transactional channels, but as the primary interfaces for secure, on-demand banking.
The UOB TMRW app sits at the heart of this transformation. New features such as Scan to Pay allow users to scan DuitNow QR codes directly from the pre-login screen, enabling instant transfers and seamless merchant payments. These innovations align with Malaysia’s national agenda for a cashless economy and the push by Bank Negara, the country’s central bank, for the adoption of real-time payments.
Rethinking digital safety
Recognising the trust gap created by rising cyber risks, UOB TMRW integrates advanced security architecture with a user-friendly design. On-screen validation alerts, email one-time passwords (OTP) for high-risk transactions and screen-sharing restrictions all work together to enhance safety without adding friction.
The app also features UOB Access authentication, a built-in digital token that replaces physical devices, as well as quick-response controls such as the Kill Switch and Lock Card for immediate customer action when needed. Customers can also customise transaction limits, giving them greater control and flexibility over their real-time banking experience.
Insights in action
Beyond transactions, the app empowers users with contextual intelligence. UOB Insights offers behaviour-based financial advice, while integrated rewards and lifestyle partnerships personalise the experience. Customers gain real-time visibility into spending, receive timely financial tips and can even stretch budgets with smarter saving suggestions.
To drive the adoption of these features, UOB Malaysia has launched targeted in-app tutorials, email campaigns and visual guides, helping users understand the value of enhanced security and payment capabilities.
Performance that delivers
The strategy is showing results. In 2024, UOB Malaysia recorded a 15% increase in mobile banking users. The app earned a net promoter score of 25% and an average rating of 4.7 on the Apple and Google Play app stores.
Recognition earned
For its leadership in digital payments innovation, UOB Malaysia has been named winner of the Best Adoption of Real-time Payments award at the Retail Banker International Asia Trailblazer Awards 2025. The bank also received a highly commended honour for Excellence in Mobile Banking, cementing its position at the forefront of Malaysia’s digital banking landscape.