Nabil Luqman

0f9d2dd4f71434084e2b6094de1865e23abb37bb9f28ca51feeabee679ec9be2

Money

tech

entrepreneur

crypto

millionaire

website

domain

A Malaysian technopreneur has captured global attention after selling the internet domain AI.com for US$70 million (approximately RM276 million) &mdash; a figure widely regarded as the highest publicly disclosed domain name sale in history.
The buyer is Kris Marszalek, co-founder and chief executive officer of Crypto.com, who confirmed that the domain was acquired in April 2025 and paid for entirely in cryptocurrency. The transaction eclipses previous confirmed record sales, including CarInsurance.com, which sold for US$49.7 million in 2010.
The sale places AI.com among the most valuable pieces of digital real estate ever traded, highlighting the growing strategic importance of premium, category-defining domain names in the age of artificial intelligence.
A Domain Bought in Childhood
<img src="https://r2.myc.my/072d2d45063cc29648a54ade929ac86fb466664d0f69eea9f6a8be563ce14011" />
The seller, Arsyan Ismail, is a Malaysian technology entrepreneur whose connection to AI.com dates back more than three decades. In 1993, at just 10 years old, Arsyan purchased the domain for US$100, using his mother&rsquo;s credit card &mdash; a decision that reportedly earned him a scolding at the time.
According to Arsyan, the purchase was driven by a personal reason: &ldquo;AI&rdquo; are his initials. What began as a childhood curiosity would later become one of the most valuable digital assets in the world, delivering an estimated 700,000-fold return on investment.
A Career Built on Early Tech Adoption
<img src="https://r2.myc.my/ad1920b7b5c8f2454f56161cf63e946a9945a0cfafe7a8620cb0e7434ead0f83" />
Arsyan&rsquo;s early interest in the internet evolved into a long career in technology. By the age of 15, he had already launched his first internet-based project. In 2003, he worked on Kawanster, often described as Malaysia&rsquo;s first social networking platform and a local equivalent to Friendster.
He later became a senior programmer at Nuffnang, Malaysia&rsquo;s pioneering blog advertising network, before joining Friendster itself as a senior web developer. In 2013, Arsyan founded 1337 Tech, a startup focused on application development for businesses.
He was also an early believer in Bitcoin and blockchain technologies, working on cryptocurrency-related projects as early as 2014, well before digital assets gained mainstream attention.
Crypto.com&rsquo;s Strategic Bet on AI
&nbsp;<img src="https://r2.myc.my/6e04d265a3fb9c342d4878662b763664edef4ac361ce4610a53522fbdcbac2dd" />
The acquisition of AI.com is a strategic move by Marszalek, who described ownership of such a primary category domain as essential for long-term brand positioning.
Under its new ownership, AI.com now serves as the foundation for a consumer-focused AI platform offering personal AI agents. These agents are designed to go beyond basic chat functions, with capabilities that include sending messages, managing applications, trading stocks, organising work, and executing tasks across multiple apps.
According to the company, a key differentiator is the platform&rsquo;s ability to allow agents to autonomously develop missing features to complete real-world tasks, with improvements shared across the network to enhance overall performance.
A Super Bowl Launch and AGI Ambitions
<blockquote class="twitter-tweet">
<a href="https://t.co/ac2AqjBNxj">https://t.co/ac2AqjBNxj</a> launching during Super Bowl this Sunday. The countdown begins.. <a href="https://t.co/VWX0e63xG9">https://t.co/VWX0e63xG9</a>
&mdash; Kris | ai.com (@kris) <a href="https://twitter.com/kris/status/2019960287466778984?ref_src=twsrc%5Etfw">February 7, 2026</a></blockquote>

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The platform made its high-profile debut during Super Bowl LX on 8 February, following months of quiet development. Marszalek has stated that AI.com is on a mission to accelerate the arrival of artificial general intelligence (AGI) by building a decentralised network of self-improving AI agents.
Following the acquisition, Marszalek will continue to serve as CEO of both Crypto.com and AI.com, signalling a convergence of fintech, blockchain, and artificial intelligence under a single leadership vision.
More Than Just a Web Address
Beyond its record-breaking price, the sale of AI.com underscores a broader shift in how domain names are valued. Ultra-short, recognisable domains are increasingly viewed as strategic digital assets, comparable to prime real estate in the physical world.
For Malaysia, the transaction highlights the growing presence of local entrepreneurs in high-value global technology deals &mdash; not merely as consumers of innovation, but as owners of assets that shape future digital narratives.
Reflecting on the deal, Arsyan offered one piece of advice to others navigating negotiations at this level: never over-negotiate with a billionaire. While details of the transaction remain protected by a non-disclosure agreement, the outcome speaks for itself &mdash; a childhood purchase that evolved into one of the most significant digital asset sales the internet has ever seen.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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From being scolded for spending US$100 on his mum’s credit card to a multi-million-dollar investment.

89e27cede31f84eda3cf1056ef34c53c55ce425174879982fc8259d915ebadea

From A US$100 Purchase To A US$70 Million Payday: How Malaysian Entrepreneur Arsyan Ismail Sold AI.com For A Record Sum

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KFC Treats 2

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BIllie Eilish UMMY

Communications Minister Datuk Seri Fahmi Fadzil has condemned the cyberbullying and threats directed at Universiti Malaya (UM) student Ummi Umairah Bakhit, stressing that differences of opinion should never justify intimidation or personal attacks.
Fahmi said threats against the 23-year-old student, including comments suggesting that she would be tracked down at her university, were unacceptable. He emphasised that university students have the right to express their views on matters of public interest, particularly when discussing issues such as corruption.
&ldquo;We can have different views, and that is not a problem,&rdquo; Fahmi said, adding that Ummi had not broken any laws or committed a criminal offence by expressing her concerns about corruption.
Speaking to reporters after attending the Smart Parents Interactive Hub programme on 18 October 2026, the minister said the substance of Ummi&rsquo;s remarks should take precedence over disagreements about her tone or delivery. He added that her comments reflected a desire to see Malaysia strengthen its efforts to combat kleptocracy and reject corruption.
Fahmi also urged victims of cyberbullying to lodge reports with the police and the Malaysian Communications and Multimedia Commission (MCMC), allowing the authorities to identify those responsible and consider appropriate action under the law.
What Did UM Student Ummi Umairah Say About Najib Razak&rsquo;s RM50 Million Fine?
<blockquote class="twitter-tweet">
Agreed and nicely said. "And the 𝘀𝘁𝘂𝗽𝗶𝗱𝗲𝘀𝘁 thing I have watch in my entire life, is people 𝗱𝗼𝗻𝗮𝘁𝗶𝗻𝗴 for our former Prime Minister Najib Razak, someone is clearly has a world worst corruption case 1MDB and its clearly linked to corruption". Walajib is confirm to be among those stupidest 😁😁😁
&mdash; Mr.Nazril (@Nazril_Iznil) <a href="https://x.com/Nazril_Iznil/status/2110528739671183504?ref_src=twsrc%5Etfw">October 15, 2026</a></blockquote>

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The online backlash against Ummi followed her remarks during a recent open forum involving UMNO leaders, where she questioned the public fundraising campaign intended to help former prime minister Datuk Seri Najib Razak pay a court-imposed fine of RM50 million.
The dialogue featured former minister Khairy Jamaluddin, Selangor Menteri Besar Datuk Seri Amirudin Shari and Johor Menteri Besar Datuk Onn Hafiz Ghazi.
During the discussion, Ummi raised concerns about why members of the public were contributing money towards Najib&rsquo;s fine, given the corruption allegations and controversies associated with his time in office. Her comments sparked debate online, with some supporting her willingness to question political figures while others criticised her views.
However, the disagreement escalated beyond criticism of her remarks. Ummi reportedly faced online harassment and threats after videos of her comments circulated on social media. She also claimed that photographs of her had been taken from her social media accounts and shared without her consent.
The incident has since raised broader concerns about online safety, freedom of expression and the treatment of young people who speak out about political or public-interest issues.
Fahmi said that while people were free to disagree with Ummi&rsquo;s position or the way she expressed it, threats and intimidation were unacceptable. He also said MCMC would examine the case proactively rather than simply wait for formal complaints to be submitted.
Fahmi Warns Social Media Users Against Hiding Behind Fake Accounts
&nbsp;<img src="https://r2.myc.my/1cdc58fdb3ccf3b6b0253ca7c01fd4cf84e0cc6445b8506cdf73f73f61d7de2c" />
Separately, Fahmi expressed support for His Majesty Sultan Ibrahim, the Yang di-Pertuan Agong, who had reminded Malaysians to observe proper etiquette when communicating on social media.
The minister cautioned users against assuming that online posts carried no consequences simply because they were using anonymous profiles or fake accounts.
He said MCMC was investigating several cases involving suspected coordinated inauthentic behaviour (CIB) targeting Sultan Ibrahim and the Yang di-Pertuan Besar of Negeri Sembilan, Tuanku Muhriz Tuanku Munawir.
According to Fahmi, more than 2,000 pieces of AI-generated or highly offensive content, alongside 600 fake accounts, had been identified in connection with material insulting the King.
Preliminary investigations indicated that many of the Facebook accounts involved were believed to have originated overseas, although investigations remained ongoing. Fahmi said the authorities would seek to bring identified individuals to justice where appropriate.
In the separate case involving Tuanku Muhriz, some suspected fake accounts were believed to have been created around a month earlier before being used to circulate insulting remarks about the royal institution. Some reportedly had no followers or only one follower, raising suspicions about their intended purpose.
The cases highlight the challenges authorities face in identifying those responsible for harmful online activity, particularly when accounts are created to conceal users&rsquo; identities or coordinate attacks.
Government Considers Tighter Online Safety Rules For WhatsApp
<img src="https://r2.myc.my/5203a3b3b01b6c3e3c19be77a97189f92e5b9652cdd49abb820e98d4a4d60f6e" />
Fahmi also said the government was examining whether stronger regulatory safeguards were needed to tackle cyberbullying on instant messaging platforms, including WhatsApp.
Possible measures under consideration include electronic Know Your Customer (eKYC) procedures and age verification, particularly to improve protection for younger users.
Although WhatsApp sets a minimum age of 16 for account holders, Fahmi said concerns remained over the safety of school students using the platform. Its end-to-end encryption, which protects the contents of communications from access by third parties, also presents challenges when investigating harmful messages.
He noted that communication services such as WhatsApp are not currently covered under the Online Safety Act 2025 (ONSA) in the manner being discussed. Fahmi said he would ask MCMC to examine the issue and engage with Meta, WhatsApp&rsquo;s parent company, on possible measures.
No specific new requirements were announced, with the government still considering the need for additional safeguards.
Cyberbullying Raises Questions About Online Accountability
<img src="https://r2.myc.my/41e84733c6f2541de7c2a63b307360d4c2a1df2bf16ba714a90ee6957633bc2d" />
The threats against Ummi have renewed discussions about how Malaysians can express disagreement online without resorting to harassment or intimidation.
Fahmi&rsquo;s remarks underscore the distinction between criticising someone&rsquo;s opinions and threatening their personal safety. While public figures and political issues often generate strong reactions, he stressed that expressing a different viewpoint should not expose someone to threats simply for speaking out.
For victims of cyberbullying, his advice remains to report incidents to the police and MCMC so that the authorities can assess the evidence and determine whether further action is warranted.
As Malaysia continues to examine online safety measures, the case also highlights the challenges of protecting freedom of expression while addressing harassment, anonymous abuse and potentially coordinated attacks across social media platforms.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Online criticism is one thing, but threats and harassment cross the line.

c0bf789b48876e5d1749f4f9249c79fe07e7cbc6d7bc79d159c833d3c916ce81

Fahmi Fadzil Condemns Online Threats Against UM Student Ummi Umairah Over Najib Donation Remarks

Harry Styles has paid an emotional tribute to his late One Direction bandmate Liam Payne, performing an unreleased song written in his memory on the second anniversary of his death. The surprise performance took place during Styles&rsquo; sold-out concert at Madison Square Garden in New York on 16 October 2026, offering fans a rare glimpse into how the singer has been processing the loss of his friend.
Titled What Is Enough, the previously unheard track was written by Styles around two years ago and performed publicly for the first time during the concert. Accompanying himself on guitar, the singer delivered the heartfelt ballad before an audience that had gathered for the latest show of his Together, Together global tour.
The tribute struck a chord with One Direction fans, many of whom have continued to remember Payne and the group's shared history since his passing in 2024.
Harry Styles Dedicates &lsquo;What Is Enough&rsquo; To His Late Friend
<blockquote class="twitter-tweet">
harry&rsquo;s full speech and song for liam payne tonight🤍 https://t.co/vdTH3w81Rh
&mdash; sofia✨ (@sofiiaa_habiib) <a href="https://x.com/sofiiaa_habiib/status/2111293419393814963?ref_src=twsrc%5Etfw">October 17, 2026</a></blockquote>

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Before performing the song, Styles took a moment to reflect on the people who had supported him throughout his career and helped him reach the stage at Madison Square Garden.
&ldquo;I feel incredibly lucky to get to play these shows here in New York, and this building means a lot to me,&rdquo; he told the audience.
He then spoke about the friendships that had shaped his life, acknowledging the people whose support had contributed to his success.
&ldquo;There are so many people in my life, friends and people that I&rsquo;ve worked with, that I wouldn&rsquo;t have been able to do this without. And two years ago today, I lost one of those friends,&rdquo; Styles said.
He subsequently asked the audience for permission to perform a song he had written for Payne around the time of his death, introducing it as What Is Enough.
The emotional acoustic performance featured reflective lyrics about grief, remembrance and the difficulty of losing someone close. One particularly poignant line, &ldquo;I&rsquo;m not wise enough, but I wrote you a letter just to burn it up and watch it rise&rdquo;, resonated with fans who watched the performance in person or through videos shared online.
Another passage appeared to reference Payne&rsquo;s funeral, with Styles singing about the experience of burying friends and gathering around a fire. The lyrics offered a deeply personal expression of loss, although the singer did not elaborate further on the song&rsquo;s meaning.
Harry Styles Encourages Fans To Look After Each Other
<img src="https://r2.myc.my/fec12a9f3b977916748c8acd71ea339360899675bdb1dac2d878c6fa11451d74" />
Beyond the song itself, Styles used the moment to share a message about grief and the importance of supporting one another through difficult times.
&ldquo;I&rsquo;m sure a lot of you have been through similar things. I hope you haven&rsquo;t. But really, it&rsquo;s just about looking after each other,&rdquo; he told the crowd.
The message reflected the emotional weight of losing someone who had played an important role in his life, particularly someone with whom he had shared the experience of becoming an international music star.
Styles had previously spoken about Payne&rsquo;s death during a March 2026 interview with Apple Music&rsquo;s Zane Lowe. He described the experience of losing a friend as difficult, particularly when the public also feels connected to the loss.
He also reflected on how Payne&rsquo;s passing had encouraged him to reconsider how he wanted to live his own life, explaining that one way to honour friends who have died is to make the most of the time one has.
The Madison Square Garden performance gave Styles an opportunity to express those feelings through music, while allowing fans to remember Payne alongside him.
Remembering Liam Payne Two Years After His Death
&nbsp;<img src="https://r2.myc.my/7b45f5f297ea903fd9c6650de160d12376a4ffb05b078c23e969ab2994adebc8" />
Read: <a href="https://myc.my/articles/3859/former-one-direction-singer-liam-payne-tragically-passes-away-after-falling-from-hotel-balcony">Former One Direction Singer Liam Payne Tragically Passes Away After Falling From Hotel Balcony</a>
Payne died on 16 October 2024, aged 31, after falling from a third-floor balcony at the CasaSur Palermo Hotel in Buenos Aires, Argentina. His death shocked fans around the world and prompted an outpouring of tributes from fellow musicians, former bandmates and people who had followed his career.
The singer had risen to international fame as a member of One Direction, alongside Styles, Niall Horan, Louis Tomlinson and Zayn Malik. The group was formed during the 2010 series of The X Factor in the UK after the five contestants auditioned as solo performers before being brought together as a band.
<img src="https://r2.myc.my/aa790556eee0a6f91b741a8b0eb88142466532cc8c7798ae932e460338471850" />
One Direction subsequently became one of the biggest pop groups of their generation, releasing five studio albums and building a massive international fanbase before going on hiatus in 2016. The members later pursued individual careers, but their shared history continued to connect them with millions of fans.
Following Payne&rsquo;s death, Styles and his former bandmates released a joint statement expressing their devastation and describing him as a brother they loved dearly. They also paid tribute to the memories they had shared and offered their condolences to his family, friends and fans.
In the years leading up to his death, Payne had spoken publicly about personal struggles, including difficulties associated with fame and his wellbeing. His passing prompted renewed discussions about the pressures faced by young performers who grow up in the public eye, although the circumstances surrounding his death should not be reduced to any single aspect of his life.
For Styles, the anniversary was an opportunity to remember Payne not only as a former bandmate but also as a friend who had been part of a defining chapter in his life.
&lsquo;What Is Enough&rsquo; Adds A Personal Moment To Harry Styles&rsquo; New Tour
The tribute took place during Styles&rsquo; 30-show residency at Madison Square Garden, part of his Together, Together global tour. The New York run is scheduled to conclude on 31 October 2026.
<iframe style="border-radius: 12px;" src="https://open.spotify.com/embed/album/69BqE1V8Bzb9GCyeP1fFeR?utm_source=generator&amp;si=6bf3a940279e41b8" width="100%" height="352" frameborder="0" allowfullscreen="allowfullscreen" loading="lazy" data-testid="embed-iframe"></iframe>
The tour supports his fourth studio album, Kiss All the Time, Disco Occasionally., released in March 2026. While the residency has featured Styles performing for packed audiences, the debut of What Is Enough gave one of the shows a more intimate and personal atmosphere.
After performing the unreleased track, Styles returned to the concert's regular set, including songs such as Sign of the Times and Aperture during the encore.
The unexpected debut also sparked emotional reactions across social media, with fans sharing clips of the performance and praising the sincerity of the tribute. For many listeners who grew up following One Direction, the song represented a rare opportunity to hear Styles express his grief through a piece of music that had remained private for two years.
Although Styles has not announced an official release for What Is Enough, its first public performance has already given the song a special place among fans remembering Payne.
Two years after his passing, the tribute served as a reminder of the friendships formed during One Direction&rsquo;s rise to fame and the lasting impact Payne continues to have on those who knew him and the millions who grew up listening to the band.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Two years later, the music lives on, and so does the memory of Liam Payne.

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Harry Styles Honours Liam Payne With Unreleased Song Two Years After His Passing

Malaysians currently in France have been urged to exercise caution and remain vigilant as demonstrations across the country continue, with reports of violent clashes, looting and fires in several major cities. The Ministry of Foreign Affairs, also known as Wisma Putra, has advised Malaysians to consider postponing non-essential travel to France until the situation improves.
In a statement issued on Sunday (18 October 2026), the ministry said it was closely monitoring developments and confirmed that no Malaysians had been reported to be involved in or adversely affected by the demonstrations at the time of the announcement.
Although travel to France remains unrestricted, Malaysians planning to visit the country are encouraged to assess the situation before departing and reconsider non-essential trips if conditions remain uncertain. Those already in France should remain alert, avoid protest areas and follow instructions issued by local authorities.
Malaysians In France Urged To Avoid Protest Areas
<img src="https://r2.myc.my/91bcfddb92dc2ac2442c51a2105a1087a184dc84207969eede6dc8202101f548" />
The Malaysian Embassy in Paris has issued a safety advisory asking Malaysians in France to exercise caution and remain vigilant, particularly in areas where demonstrations are taking place.
Foreign Minister Datuk Seri Mohamad Hasan has also advised Malaysians travelling to France and Italy to stay away from student protest sites, highlighting the risk of being caught in unrest or facing arrest by local authorities.
He said demonstrations were generally concentrated along particular routes and at specific locations, rather than affecting entire cities such as Paris and Rome. Travellers are therefore encouraged to check local updates, identify areas where protests are planned and avoid major demonstration routes.
Malaysians have also been advised against joining the demonstrations themselves. Mohamad stressed that citizens travelling abroad should respect local laws and refrain from activities that could put their safety at risk.
Although protests in Italy have largely remained peaceful, clashes were reported in the north-western city of Turin, where demonstrators allegedly threw stones, glass bottles and flares at security personnel. The developments have prompted additional caution for Malaysians travelling to both European countries.
Malaysians Asked To Register With Embassy Through e-Konsular
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Wisma Putra has urged Malaysians living in France to ensure that the Malaysian Embassy in Paris has their latest contact information. Those who have not registered are encouraged to do so through the ministry&rsquo;s e-Konsular platform.
Malaysians planning to travel to France are also advised to register their travel details in advance. This will help the embassy contact them and facilitate consular assistance if an emergency arises.
Travellers should continue monitoring announcements from the Malaysian Embassy and relevant French authorities, as the situation may change depending on the location and scale of demonstrations.
For immediate consular assistance or emergencies, Malaysians can contact the Embassy of Malaysia in Paris through the following channels:
<ul>
<li>Telephone: +33 1 45 53 11 85</li>
<li>After-hours emergency helpline: +33 6 32 44 65 71</li>
<li>Email: <a href="mailto:par.consular@kln.gov.my">par.consular@kln.gov.my</a></li>
<li>e-Konsular registration: <a href="https://ekonsular.kln.gov.my">https://ekonsular.kln.gov.my</a></li>
</ul>
The ministry said the embassy remains in close contact with local authorities to obtain updated information and provide assistance to Malaysians when necessary. Wisma Putra will continue monitoring developments and issue further updates if required.
What Is Happening In France? Up To 550,000 People Join Demonstrations
<img src="https://r2.myc.my/50fd3f8dc052d634c26ba39f8b05f1882dd923d7ae506f79d4d108838f5ee962" />
The travel advisory comes as France experiences a fresh wave of demonstrations over school conditions, staffing shortages and the rising cost of living.
On Saturday (17 October), an estimated 550,000 people took to the streets in cities and towns across the country. The demonstrations involved students, trade union members and other groups, with some participants demanding improvements to secondary schools, including better facilities and additional teaching staff.
The protests have also drawn support from groups concerned about rising living costs, including fuel prices. Some demonstrators have linked their grievances to broader economic pressures, while others have focused primarily on conditions within the education system.
Swedish climate activist Greta Thunberg also appeared at a rally in Paris alongside high-school students calling for better learning conditions and increased support for education. Her participation brought further international attention to the demonstrations.
However, what began as marches and public gatherings escalated into violence in several locations as the day progressed.
Clashes, Looting And Fires Reported Across Major French Cities
<img src="https://r2.myc.my/d534b316cc2a67ca4fa1d2f1649b91d3a92c89b8ec8f7908d941b80b12b5f9c8" />
French authorities reported widespread disorder during Saturday&rsquo;s demonstrations, with more than 1,200 people reportedly arrested, according to one account. Other reports gave lower figures earlier in the response, reflecting differences in the timing of the reports.
In Paris, clashes broke out between some groups of demonstrators and riot police, who deployed tear gas and water cannon. Fires were lit in streets, vehicles were set alight and businesses were damaged or looted. Some shops were reportedly ransacked, while a restaurant was gutted by fire.
<blockquote class="twitter-video" data-status="hidden">
This is how central Paris looked after massive riots erupted across France. https://t.co/33Nq7RkAYx
&mdash; Moe (@moneyacademyKE) <a href="https://x.com/moneyacademyKE/status/2111807349501645030?ref_src=twsrc%5Etfw">October 18, 2026</a></blockquote>

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<blockquote class="twitter-tweet">
The looting in Paris today.. France riots https://t.co/lzz3sLLB80
&mdash; Open Source Intel (@Osint613) <a href="https://x.com/Osint613/status/2111545234714918991?ref_src=twsrc%5Etfw">October 17, 2026</a></blockquote>

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Violence and property damage were also reported elsewhere in France. In Limoges, a fire at the town hall caused part of the roof to collapse. In Lyon, the city's tourist office was set alight, prompting the mayor to describe the damage as a tragedy involving an important local landmark.
Authorities also reported damage in cities and towns including Grenoble, Avignon, Pau, Montpellier and Valence. In Lille, an Apple Store was reportedly broken into and emptied. Prime Minister S&eacute;bastien Lecornu said around 150 police officers had been injured during the unrest.
<img src="https://r2.myc.my/f72ee527f9b2951be55f65e41100bccbd0b8448da4b0878222b99369872fa166" />
French President Emmanuel Macron condemned attacks on public buildings and businesses, saying those responsible would face prosecution and punishment. He also stressed that violence would not be tolerated.
The demonstrations have continued despite government efforts to address some of the concerns raised by students. Education Minister &Eacute;douard Geffray previously announced plans to provide 3,000 additional supply teachers, but protests have persisted.
The unrest is also unfolding amid political uncertainty in France ahead of the next presidential election, adding another dimension to demonstrations that initially centred on education and living costs.
For Malaysians, the immediate priority remains personal safety. Those in France should avoid demonstration routes and gathering points, keep abreast of local developments, follow official instructions and maintain contact with the Malaysian Embassy if assistance is needed. Travellers who have not yet departed should carefully consider whether their plans are essential before proceeding.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Protests over school conditions and rising living costs have turned violent across France. Malaysians are advised to stay safe. 

a56119ad3cdd0eaa1ed4b348cf9e9ce511d8acb2d8c80b61ac0947f9b2831174

Malaysians Urged To Stay Alert In France As Protests Turn Violent Across Major Cities

Malaysia&rsquo;s top women&rsquo;s doubles pair, Pearly Tan and M. Thinaah, have made badminton history after winning the Denmark Open 2026, ending an 18-year wait for the country&rsquo;s women&rsquo;s doubles title at the prestigious tournament.
The world No. 5 Malaysians defeated Japan&rsquo;s world No. 21 pairing of Hinata Suzuki and Nao Yamakita 21-18, 21-11 in the final at the SJF Bank Arena in Odense, Denmark, on Sunday (18 October). The match lasted just 36 minutes, with Pearly-Thinaah delivering a composed performance to secure their second title of the 2026 season.
Their victory makes them only the second Malaysian women&rsquo;s doubles pair to win the Denmark Open, following Wong Pei Tty and Chin Eei Hui, who lifted the trophy in 2008.
Pearly-Thinaah Overcome Japanese Opponents To Claim Title
<img src="https://r2.myc.my/2b8702bc05498c1a3c67014ba5a3e60a9ba47e0981ec35622e61234b979bf9d5" />
The final did not begin smoothly for Pearly-Thinaah, as Suzuki and Yamakita made an early push to take control of the opening game. The Malaysian pair initially trailed 3-8 before mounting an impressive comeback, stringing together seven consecutive points to move ahead 10-8.
Although the Japanese duo continued to challenge them, Pearly-Thinaah held their nerve during the closing stages to take the first game 21-18.
The Malaysians were more dominant in the second game, combining aggressive attacking shots with solid defensive play to prevent their opponents from building momentum. They eventually secured a convincing 21-11 victory to seal the championship.
<blockquote class="twitter-video" data-status="hidden">
The 18 years of droughts! Shaky starts, champion finished ❤️&zwj;🔥🥇 What a beautiful win by Pearly Tan and Thinaah Muralitharan. Massive congrats PearThin for the 2nd S750 title in their career 👏🏽👏🏽 #DenmarkOpen2026 https://t.co/ADtoY37qf7
&mdash; レディディラ (@ladydyla__) <a href="https://x.com/ladydyla__/status/2111792957854449949?ref_src=twsrc%5Etfw">October 18, 2026</a></blockquote>

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Their performance capped an impressive campaign at the Badminton World Federation (BWF) World Tour Super 750 tournament, where they had to overcome several difficult opponents on their way to the final.
In the quarter-finals, Pearly-Thinaah fought back from a game down to defeat India&rsquo;s Treesa Jolly and Gayatri Gopichand Pullela 14-21, 21-17, 21-11. They followed that result with a straight-games victory over China&rsquo;s Bao Li Jing and Cao Zi Han, winning 21-16, 21-14 in the semi-finals.
The semi-final victory had already ended Malaysia&rsquo;s 18-year wait to have a women&rsquo;s doubles pair reach the Denmark Open final. Pearly-Thinaah then completed the journey by becoming champions.
A More Satisfying Victory After Indonesia Masters Walkover
<img src="https://r2.myc.my/7354a1147637d76d4976ddea3a890196d49495f21a1a61dd9f9b3efb05df8444" />
The Denmark Open title is Pearly-Thinaah&rsquo;s second World Tour championship of 2026, following their triumph at the Indonesia Masters in January.
However, their previous title came through a walkover after Japanese opponents Arisa Igarashi and Miyu Takahashi withdrew before the final. This time, the Malaysians earned the trophy through a completed final, making the achievement particularly meaningful.
Their latest success also follows a demanding schedule, with the pair having competed at the Aichi-Nagoya Asian Games shortly before arriving in Denmark. Despite the limited recovery time, they adopted a measured approach and focused on enjoying their matches rather than allowing expectations to affect their performances.
The victory is also an encouraging development after Pearly was sidelined for around two months in June because of a back injury. The pair have faced challenges in regaining their previous form, making their return to the top of the podium an important milestone in their season.
As champions, Pearly-Thinaah earned approximately RM287,000 in prize money, while the runners-up received around RM136,000.
Following In The Footsteps Of Malaysian Badminton Legends
<img src="https://r2.myc.my/a17b4a3bb8d403a259e303208fd23a5b932d3c73d3328a42301b40cdb069147d" />
The triumph places Pearly-Thinaah alongside Wong Pei Tty and Chin Eei Hui in the history of Malaysian women&rsquo;s doubles at the Denmark Open.
Wong and Chin were the last Malaysian pair to win the title in 2008, defeating Indonesia&rsquo;s Rani Mundiasti and Jo Novita 23-21, 21-12. Eighteen years later, Pearly-Thinaah have brought the championship back to Malaysia.
The result also strengthens their position in the race to qualify for the BWF World Tour Finals in December, which features only the top eight eligible pairs and players in each discipline. Before the Denmark Open, Pearly-Thinaah were reportedly sixth on the qualifying list, with their latest title potentially improving their standing.
Their achievement comes amid a promising period for Malaysian badminton, following another historic result at the 2026 BWF World Junior Championships in Cairo, Egypt. Malaysian teenagers Low Zi Yu and Genevie Lim won the girls&rsquo; doubles title after defeating Japan&rsquo;s Nijika Kamata and Shizuku Kashio 15-7, 9-15, 15-12.
The victory ended Malaysia&rsquo;s 34-year wait for a girls&rsquo; doubles gold medal at the World Junior Championships, which began in 1992.
With Pearly-Thinaah ending the Denmark Open drought and Low-Genevie securing a landmark junior title, Malaysian badminton has enjoyed a memorable weekend on the international stage. For Pearly and Thinaah, the challenge now is to build on their latest success as they continue their campaign towards the end of the 2026 season.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Another tournament, another gold medal and trophy to bring home.

dcb7cd01a0be8830a70bdf38d7087814bce7a3e839ae0463327393f9ad942bcd

Pearly Tan-Thinaah End Malaysia’s 18-Year Wait With Historic Denmark Open 2026 Triumph

A Universiti Malaya (UM) student has sparked widespread discussion online after openly questioning why members of the public are donating money to help former prime minister Datuk Seri Najib Razak pay a RM50 million fine. Her remarks, made during a dialogue with political leaders in Kuala Lumpur, have reignited conversations about corruption, political accountability and the importance of speaking up against wrongdoing.
Ummi Umairah Bakhit, a student representative from UM, raised the issue during the third edition of the iFUTURE summit, held at the World Trade Centre Kuala Lumpur from 11 to 13 October. The session featured former health minister Khairy Jamaluddin, Selangor Menteri Besar Datuk Seri Amirudin Shari and Johor Menteri Besar Datuk Onn Hafiz Ghazi.
Student Questions Public Donations To Najib
<blockquote class="twitter-video" data-status="hidden">
Agreed and nicely said. "And the 𝘀𝘁𝘂𝗽𝗶𝗱𝗲𝘀𝘁 thing I have watch in my entire life, is people 𝗱𝗼𝗻𝗮𝘁𝗶𝗻𝗴 for our former Prime Minister Najib Razak, someone is clearly has a world worst corruption case 1MDB and its clearly linked to corruption". Walajib is confirm to be among those stupidest 😁😁😁
&mdash; Mr.Nazril (@Nazril_Iznil) <a href="https://x.com/Nazril_Iznil/status/2110528739671183504?ref_src=twsrc%5Etfw">October 15, 2026</a></blockquote>

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During the question-and-answer session, Ummi highlighted several controversies involving alleged corruption and political accountability, including the Tabung Haji controversy and reports that a politician&rsquo;s son had allegedly received RM4 million without working.
She then questioned the public&rsquo;s willingness to contribute money to Najib, describing the fundraising effort as the &ldquo;stupidest thing&rdquo; she had ever witnessed, given the former prime minister&rsquo;s legal history and links to the wider 1Malaysia Development Bhd (1MDB) scandal.
Ummi also asked the panellists how young Malaysians could be encouraged to speak out against corruption and political feudalism, think critically and support their arguments with facts and statistical evidence.
Her comments subsequently circulated on social media, with many users praising her willingness to raise sensitive questions directly with senior political figures. The discussion also highlighted the challenges of encouraging accountability when allegations of wrongdoing involve influential political leaders.
Why Are Malaysians Donating Money To Najib?
<img src="https://r2.myc.my/d97fb118ce5a7275cac4bd67d03ebee282592f6dfe87cd2516f11952ee5f249a" />
The controversy centres on the Najib Razak Solidarity Fund, which was established on 18 September following the announcement of a conditional pardon for the former prime minister.
Najib was convicted in the SRC International case, which involved RM42 million transferred into his personal bank accounts. The case is separate from the wider 1MDB scandal, which involved the alleged misappropriation of billions of dollars from Malaysia&rsquo;s state investment fund.
Under the pardon decision, Najib&rsquo;s prison sentence was reduced, and he was granted a conditional arrangement to serve the remainder of his sentence under house detention until 23 August 2028. He is also subject to a RM50 million fine, with the conditions of his pardon forming the basis of the fundraising campaign.
On 27 September, UMNO president Datuk Seri Dr Ahmad Zahid Hamidi announced that the party had collected RM9.25 million for the solidarity fund.
The fundraising effort has drawn criticism from those who question whether public contributions should be used to help a former leader meet financial penalties arising from a criminal conviction. Others may view the donations as an expression of political support or solidarity with Najib.
It is this contrast that prompted Ummi to question what message such fundraising sends to younger Malaysians about integrity and accountability.
Khairy Says Wrongdoing Should Never Be Defended
<img src="https://r2.myc.my/cc7c3f31acc4500333e19f3ea569553c4232997e05788991da214bc3cfb839ab" />
Responding to Ummi&rsquo;s question, Khairy acknowledged her concerns and stressed that corruption and mismanagement should not be defended simply because they involve political allies or leaders.
&ldquo;We shouldn't be afraid about talking about corruption, even if it involves our leaders. What is wrong is wrong. What you cannot defend, don't defend,&rdquo; he said.
He also emphasised that those facing allegations or cases should answer for them, adding that integrity should never be compromised regardless of political affiliation.
Amirudin welcomed the younger generation&rsquo;s continued attention to corruption, describing it as a longstanding national concern and an encouraging sign for Malaysia&rsquo;s future leadership.
Onn Hafiz similarly condemned corruption, describing it as a &ldquo;cancer&rdquo; that could undermine progress. He said wrongdoing should not be tolerated, whether it involved political leaders, individuals or businesses.
Unverified Claims Of Pressure On Student Spark Further Debate
Following the viral exchange, social media users also raised concerns over claims that certain parties were pressuring UM to take action against Ummi because of her remarks.
The allegations prompted further online support for the student, with some users defending her right to question political leaders and express her views on matters of public interest.
However, the claims have not been independently verified. No confirmed evidence has established who was allegedly involved, and there has been no confirmation that UM has initiated disciplinary proceedings against her.
The exchange took place during iFUTURE 2026, organised by the Higher Education Ministry through the Department of Higher Education. The summit brought together 1,231 student leaders from 20 Malaysian public universities and 30 international universities to discuss value-based leadership.
Ummi&rsquo;s remarks have since become part of a wider debate over whether political loyalty should ever take precedence over integrity, and whether young Malaysians can challenge those in power without fear of repercussions.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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One student speaks up, sparking debate over corruption and political accountability.

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UM Student Goes Viral After Calling Donations For Najib’s RM50 Million Fine ‘Stupidest Thing Ever’

Ryt Bank customers can now make contactless payments using their Apple devices, following the launch of Apple Pay support for the bank&rsquo;s Ryt Card on 6 October 2026. The update allows customers to add their card to Apple Wallet and pay in stores, online and through supported apps without needing to take out their physical card.
With this addition, Ryt Bank becomes the first digital bank in Malaysia to support both Apple Pay and Google Pay. The bank introduced Google Pay support in January 2026, giving Android users access to mobile payments before extending the service to Apple users.
The latest update offers customers more flexibility in how they pay for everyday purchases, from buying groceries and grabbing coffee to shopping online. It also introduces another convenient way to make payments while benefiting from the security features built into Apple Pay.
How Apple Pay Makes Everyday Payments More Convenient
<img src="https://r2.myc.my/a06634d7f0de0d8f8ba130a5be85cd48b0017e061d6bbdda0e8e0a4cec6d2fdf" />
Apple Pay allows customers to use compatible devices, including iPhones and Apple Watches, to make contactless payments at participating merchants. Instead of carrying a physical card, users can simply authenticate their payment on their device and hold it near a compatible payment terminal.
The service also works for online purchases and in-app transactions at supported merchants, allowing users to complete payments without repeatedly entering their card details.
For customers who frequently use contactless payments, adding a card to Apple Wallet can make everyday transactions quicker and more convenient. It is particularly useful when heading out without a wallet, as payments can be made directly through a compatible Apple device.
Customers who use Android devices can continue to access Google Pay with their Ryt Card, meaning Ryt Bank now supports both major mobile wallet platforms.
Apple Pay Security Features Protect Your Card Details
<img src="https://r2.myc.my/724ed1fa5a195167b50cac4b7b977fbefb8d824b9a7a4435187ed13a5a0f9b5b" />
Beyond convenience, Apple Pay includes security measures designed to protect users&rsquo; payment information.
Each transaction must be authenticated through Face ID, Touch ID or the device&rsquo;s passcode, helping ensure that payments are authorised by the device&rsquo;s owner.
Apple Pay also uses a device-specific account number and a unique security code for each transaction, rather than sharing the actual card number with merchants. Apple states that card numbers are not stored on its servers, adding another layer of protection when customers make payments.
If an iPhone is lost or misplaced, users can also use Apple&rsquo;s Find My service to mark the device as lost and suspend Apple Pay on it.
However, users should still protect their devices with a secure passcode and keep their banking applications updated.
How To Add Your Ryt Card To Apple Pay
&nbsp;<img src="https://r2.myc.my/8f90cd0d321e69e0ce6a2eb0c2d2ed8edda25d579cd43fa930c406b9029d639d" />
Ryt Bank customers can add their Ryt Card to Apple Wallet through the bank&rsquo;s app or directly through the Wallet app on a compatible Apple device.
Option 1: Through the Ryt Bank app
<ol>
<li>Open the Ryt Bank app and navigate to the Cards tab.</li>
<li>Select the option to Add to Apple Wallet.</li>
<li>Follow the on-screen instructions to complete the setup.</li>
</ol>
Option 2: Through Apple Wallet
<ol>
<li>Open the Wallet app on your compatible Apple device.</li>
<li>Tap the + button to add a card.</li>
<li>Follow the instructions to add and verify your Ryt Card.</li>
</ol>
Once the setup is complete, you can use Apple Pay wherever the service is accepted. Depending on your device and setup, you may also be able to add the card to other compatible Apple devices.
What Is Ryt Bank?
<img src="https://r2.myc.my/7838122416fdb9288b2869284ae7342adcbab30c4e9ed6c8699fea2c795f1bbc" />
Ryt Bank is a licensed digital bank in Malaysia that provides banking services through a digital platform, allowing customers to manage their finances without relying on a traditional network of physical bank branches.
It is operated by YTL Digital Bank Berhad, a joint venture between YTL Digital Capital Sdn Bhd and Sea Limited, the parent company of Shopee and Garena. The bank offers digital banking services through its mobile app, including access to its Ryt Card.
As a digital bank, Ryt Bank focuses on providing customers with accessible banking services and digital tools for everyday financial management. Its support for Google Pay and Apple Pay expands the ways customers can use their Ryt Card for cashless transactions.
Which Other Banks Support Apple Pay In Malaysia?
Ryt Bank joins several established financial institutions that already support Apple Pay in Malaysia. These include AmBank, CIMB, Hong Leong Bank, HSBC, Maybank, RHB and Standard Chartered.
Wise Payments Malaysia is also listed by Apple as a participating card issuer, although availability can vary depending on the issuer and card type.
With Apple Pay now available for the Ryt Card, Ryt Bank customers have another option for making secure, convenient payments using their preferred devices. The move also strengthens the bank&rsquo;s digital payment offerings, allowing both iPhone and Android users to enjoy mobile wallet convenience.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Your Ryt Card just got more convenient, with seamless cashless payments.

83a7b0eb032eccc584cde4e6a36238f2fc261c203d052ed405a69689184ad951

Ryt Bank Adds Apple Pay Support, Becoming Malaysia’s First Digital Bank To Offer Apple Pay And Google Pay

Malaysians can now access a new savings and protection plan directly through ShopeePay following an expanded partnership between ShopeePay Malaysia and Zurich Life Insurance Malaysia Berhad (ZLIMB).
The new Zurich Savings &amp; Protection Plan combines savings with life and disability protection, giving users a way to build their financial future while receiving additional coverage. The two-year plan currently starts from a single premium of RM500, with the minimum entry amount set to be lowered to RM100 in the near future.
The partnership was officially launched in Kuala Lumpur on 7 October 2026 under the theme &ldquo;Everyday Protection, Made For All&rdquo;, marking the first time ShopeePay's digital distribution partnership with Zurich has extended to its life insurance business.
What Does The Zurich Savings &amp; Protection Plan Offer?
<img src="https://r2.myc.my/02d8fdee262be6b2445a734c559a9c007eed48e7b28876a54e5e86c1b9cf1734" />
The Zurich Savings &amp; Protection Plan is a two-year, single-premium endowment plan designed to combine savings growth with life protection.
One of its key features is guaranteed cash payouts every six months, allowing policyholders to receive regular payments throughout the two-year period. The plan also provides life and disability protection equivalent to 105% of the premium paid, with the benefit payable to the policyholder or beneficiaries according to the terms of the policy.
At the end of the two-year maturity period, policyholders receive 100% principal protection, subject to the applicable terms and conditions.
There are also flexible early cash-out options for those who may need access to their money before the plan reaches maturity. However, the amount received through an early cash-out may differ from the maturity benefit, so customers should review the relevant terms before purchasing.
How To Purchase The Plan On ShopeePay
<img src="https://r2.myc.my/8d9b3b8f382f3a162388fedb4e0ec88f82a040875e60c04fc2328acdf87b31af" />
The Zurich Savings &amp; Protection Plan is available directly through the ShopeePay app, allowing users to access the product digitally without having to visit an insurance branch.
To find the plan, users can open the ShopeePay app and select &ldquo;Insurance&rdquo; from the homepage, followed by &ldquo;Endowment&rdquo;.
The launch expands ShopeePay's existing relationship with Zurich. The platform already works with Zurich General Insurance Malaysia Berhad and Zurich General Takaful Malaysia Berhad, but this is the first time its digital distribution partnership has extended to Zurich's life insurance arm.
It also builds on the earlier availability of Zurich Critical Illness insurance through the platform.
Entry Premium To Be Lowered To RM100
<img src="https://r2.myc.my/41239d4b6ec3e4396504fea8aac52d5404aaf336d4b389c532e5e6030b04823c" />
The plan currently requires a minimum premium of RM500, but Zurich and ShopeePay are planning to reduce this to RM100.
While the lower entry point has not yet been implemented, it could make the product more accessible to Malaysians who want to start building financial protection with a smaller initial commitment.
Both companies said the broader goal is to make insurance and financial protection more accessible through digital platforms that consumers already use in their everyday lives.
Junior Cho, Country CEO of Zurich Malaysia, highlighted that Malaysia's protection gap is closely linked to accessibility, saying insurers need to reach consumers where they already are rather than expecting them to seek out traditional channels.
Family Takaful Plans Coming Next Year
<img src="https://r2.myc.my/ce24b27f03d837ea0488d1e9954160c6552ede6a05201dc8e2d393731223dbe1" />
The partnership is also expected to expand into family takaful in 2027.
ShopeePay and Zurich Takaful Malaysia Berhad plan to introduce family takaful products through the platform, giving users access to Syariah-compliant protection alongside conventional insurance options.
Family takaful provides life and financial protection based on Syariah principles, offering Malaysians another option when planning for their long-term financial needs.
Zurich Savings &amp; Protection Plan At A Glance
For those considering the new product, here are the key details:
<ul>
<li>Minimum premium: RM500</li>
<li>Planned future minimum: RM100</li>
<li>Plan duration: Two years</li>
<li>Payment structure: Single premium</li>
<li>Guaranteed cash payouts: Every six months</li>
<li>Life and disability protection: 105% of premium paid</li>
<li>Principal protection at maturity: 100%</li>
<li>Early cash-out: Available, subject to the plan's terms</li>
<li>Available on: ShopeePay app</li>
<li>Access: Insurance &rarr; Endowment</li>
<li>PIDM protection: Benefits are protected by PIDM, subject to applicable limits</li>
</ul>
With the new Zurich Savings &amp; Protection Plan, ShopeePay is expanding beyond everyday payments and general insurance into life insurance, giving Malaysians another digital option to combine savings and financial protection.
The planned RM100 entry point and upcoming family takaful offerings could further widen access to financial protection, although customers should always review the product's terms, benefits and conditions before committing.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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No insurance yet? This could be a simple way to start building financial protection.

0e59542d0735bf57c67f70ff72f64333a4ebc4b0d97c8c2f168a0ff63fa9a947

ShopeePay And Zurich Launch Two-Year Savings And Protection Plan From RM500

Only 39% of active Employees Provident Fund (EPF) members in Malaysia&rsquo;s formal sector are currently on track to meet the fund&rsquo;s Basic Savings benchmark by the age of 60, highlighting the challenge of ensuring Malaysians have enough money to support themselves throughout retirement.
Prime Minister Datuk Seri Anwar Ibrahim said the proportion of members meeting the age-based Basic Savings benchmark increased from 36% in June 2025 to 39% in June 2026.
While this represents progress, around six in 10 active formal-sector EPF members remain below the benchmark for their age.
The government is targeting for six in 10 EPF members to meet the Basic Savings benchmark by 2030 under the EPF&rsquo;s Retirement Income Adequacy (RIA) framework.
What Is The RM390,000 EPF Savings Target?
<img src="https://r2.myc.my/094d4f6f9a830c467627a3083a59c1631eb6cf3f98094ae48e08266cbe4c034e" />
The RM390,000 figure is the EPF&rsquo;s full Basic Savings level under its three-tier Retirement Income Adequacy framework, which took effect in 2026.
The RIA framework is designed to give members a clearer guide to how much they may need for retirement. It consists of three savings levels:
<ul>
<li>Basic Savings: RM390,000</li>
<li>Adequate Savings: RM650,000</li>
<li>Enhanced Savings: RM1.3 million</li>
</ul>
Basic Savings is intended to cover essential retirement needs, while Adequate Savings aims to support a reasonable standard of living. Enhanced Savings represents a higher level of financial security in retirement.
According to EPF, RM390,000 is designed to support an initial monthly withdrawal of around RM1,625 in the first year of retirement, with the framework projecting withdrawals over 20 years from age 60 to 80.
The RM390,000 Benchmark Is Being Phased In
<img src="https://r2.myc.my/e6cb2d5631158eb97bdc73790e51aedeceee88bc865de1df4b151f201e1121f5" />
Although RM390,000 is the full Basic Savings benchmark at age 60, members are not expected to reach the amount immediately.
EPF is gradually introducing the target over five years to give members time to adjust to the higher savings benchmark.
The schedule is:
<ul>
<li>2026: RM270,000</li>
<li>2027: RM300,000</li>
<li>2028: RM330,000</li>
<li>2029: RM360,000</li>
<li>2030: RM390,000</li>
</ul>
The benchmark is also age-based, meaning members are assessed against the amount appropriate for their age rather than being expected to have RM390,000 at any point before the full target takes effect.
Why Retirement Savings Remain A Concern
<img src="https://r2.myc.my/52182c09071739d833d3baddd6f9a8a7636a9bb4cb4f46c70e3fa92d408bfb79" />
Anwar said the latest figures showed progress, but warned that too many Malaysians remain at risk of running out of savings during retirement.
With retirement potentially lasting 20 to 25 years, the issue is not simply accumulating a large lump sum but ensuring those savings can provide a sustainable income throughout retirement.
Speaking at the EPF International Social Wellbeing Conference 2026, Anwar also highlighted the financial pressures facing households today.
He said retirement planning cannot be viewed purely as a matter of financial literacy when many households are already dealing with immediate expenses such as food, rent and education.
This means the ability to save for retirement is closely linked to having sufficient and stable income. Retirement security therefore also depends on wages, decent employment and the ability to contribute consistently.
Informal And Gig Workers Remain Part Of The Challenge
<img src="https://r2.myc.my/379ead4e522887f28a70b190fe51084bd10ab1c9c743c7f4476279e7a5af34fe" />
Another challenge is extending retirement savings coverage to Malaysians working outside conventional formal employment.
The growth of self-employment, gig work and other non-traditional forms of employment means some workers may not receive regular employer contributions to their EPF accounts.
The government has introduced initiatives to broaden coverage, including i-Saraan, which provides incentives for eligible self-employed and informal workers who contribute to EPF.
There is also i-Saraan Plus, which provides additional support for eligible e-hailing and p-hailing workers, while i-Suri has been expanded to support retirement savings among women involved in unpaid care work.
These programmes aim to encourage more Malaysians outside traditional employment to build retirement savings.
EPF Shifts Focus From Savings To Retirement Income
<img src="https://r2.myc.my/dce895ff83854520641db177e2f062d4bde7a0b11c289be0f00857338c4e3ef9" />
EPF chairman Tan Sri Mohd Zuki Ali said retirement planning should not focus solely on how much money members have accumulated. Instead, members need to consider how their savings can provide a sustainable income throughout retirement.
This approach is reflected in the RIA framework, which connects savings levels with potential retirement income rather than treating EPF savings simply as a lump sum. EPF has also introduced measures to help members manage their savings over a longer retirement period.
One is i-Emas, which provides regular monthly payments under the existing Age 55/60 Withdrawal facility. As of June 2026, more than 25,000 members had opted for monthly withdrawals, including more than 7,000 aged 55 and more than 19,000 aged 60.
Another initiative, i-Legasi, allows eligible members with savings above the RM650,000 Adequate Savings level to transfer eligible excess savings to the EPF accounts of immediate family members.
Government Expands Support For Older Malaysians
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;<img src="https://r2.myc.my/019711301cc9d428487370e4deba8a076a5d9bb64a1c4be910cb5006b512c012" /> &nbsp; &nbsp; &nbsp; &nbsp;
Retirement security is also being addressed beyond EPF savings.
Under Budget 2026, the government allocated RM1.26 billion for senior citizen welfare, with the funding expected to benefit around 180,000 older Malaysians through assistance and activity centres.
Anwar also highlighted the need for a more comprehensive care system for Malaysia&rsquo;s ageing population, covering community support, nutritious meals and home assistance, as well as day care, home nursing and residential care for older people who are frail or living with dementia.
He said access to essential care should be based on need rather than solely on an individual&rsquo;s ability to pay.
What The Latest EPF Figures Mean
The increase from 36% to 39% of active formal-sector EPF members meeting their age-based Basic Savings benchmark shows some improvement in retirement preparedness.
However, the figures also underline the scale of the challenge ahead.
The government aims to increase the proportion to 60% by 2030, while the full Basic Savings benchmark gradually reaches RM390,000 at age 60.
For EPF members, the RIA framework provides a clearer reference point for assessing whether their savings are keeping pace with their age and expected retirement needs.
Ultimately, retirement planning is not just about reaching a particular savings figure. It is also about ensuring Malaysians have sufficient income, savings and social support to sustain themselves through what could be decades of retirement.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Surviving today while saving for tomorrow isn’t easy. Are Malaysians earning enough to do both?

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Only 4 In 10 Malaysians On Track For RM390K EPF Savings By 60, Govt Targets 60% By 2030

Tencent has launched TenPayGo, a new mobile payment app designed to make it easier for international visitors to pay for goods, food and transport while travelling in China.
Developed by Tencent&rsquo;s Weixin Pay team, the app allows overseas travellers to link foreign-issued bank cards and selected international digital wallets without needing a Chinese mobile phone number.
The launch comes as China experiences growing inbound tourism, with Tencent looking to make its largely cashless payment ecosystem more accessible to international visitors. The app was unveiled at an international payment services event in Shenzhen, Guangdong, ahead of the Asia-Pacific Economic Cooperation (APEC) Economic Leaders&rsquo; Meeting scheduled to take place in the city in November.
No Chinese Phone Number Required
<img src="https://r2.myc.my/7d0599429863e5bab45a105d5b644fd1af8df8f7ae1b3802bc5541ba89bf6b12" />
One of TenPayGo&rsquo;s main features is its simplified registration process for overseas users.
Instead of requiring a Chinese mobile number, travellers can sign up using an email address and link payment methods issued in their home countries. The app supports bank cards from seven major international card networks, including Visa and Mastercard, as well as Apple Pay and around 60 overseas digital wallets.
Supported wallets include services such as Starryblu, Hipay and Octopus. However, the current list does not include Malaysian e-wallets such as Touch &rsquo;n Go eWallet or Boost.
Once a payment method is connected, users can scan and pay through TenPayGo at tens of millions of shops, restaurants and attractions connected to Tencent&rsquo;s Weixin Pay network.
This gives international travellers another option for making everyday payments in China without having to set up a local payment account.
TenPayGo is Tencent&rsquo;s first mobile payment app specifically designed for international visitors. The company&rsquo;s existing Weixin Pay service is integrated into WeChat, or Weixin as it is known in mainland China, which combines messaging, social media and digital payments in a single platform.
TenPayGo Also Supports Shenzhen Public Transport
&nbsp;<img src="https://r2.myc.my/a282917f8fcf06b25ebf1862406d618bd5e1f2ce925dff22cd0438c612456543" />
Beyond shopping and dining, TenPayGo is also designed to help overseas visitors get around China.
The app currently allows international travellers to activate a ride code for Shenzhen&rsquo;s bus and metro networks directly from their smartphones. Users do not need a local phone number or a physical transport card to access the service.
The transport integration is currently focused on Shenzhen, although Tencent says it plans to gradually introduce more local transportation and lifestyle services through the platform.
The move could make TenPayGo particularly useful for visitors attending major events in the city, including the upcoming APEC summit.
Shenzhen, one of China&rsquo;s major technology hubs, will host the APEC Economic Leaders&rsquo; Meeting in November. It will be the third Chinese city to host the event, following Shanghai in 2001 and Beijing in 2014.
AI Translation And Travel Tools
<img src="https://r2.myc.my/c485c0700b224e7cf6d762fb8422ea08e72b1957f0a023f29d960121b1de6ca5" />
Tencent is also positioning TenPayGo as more than just a payment app by incorporating tools aimed at helping international visitors navigate China.
One of its features provides instant menu translation, allowing travellers to use their smartphones to understand menus and order food more easily.
The app also includes an object-identification function that lets users scan and circle items on their screen to identify them, making it potentially useful when navigating unfamiliar surroundings.
Tencent has also said it is working with local banks on a tax-refund function. The planned feature is intended to support departure tax refunds for eligible overseas visitors, although details on its availability have yet to be announced.
Foreign Spending In China Is Rising
&nbsp;<img src="https://r2.myc.my/36aba044673be1b0f18d0a11dd2b3f5bf007c210edd1142d8124ada66ca7719c" />
The launch of TenPayGo comes as spending by international visitors in China continues to increase.
According to data from Weixin Pay, the value of transactions made by overseas e-wallet users in China rose by 80.6 per cent year-on-year during the first eight months of 2026. The number of transactions also increased by 81.8 per cent over the same period.
China has been seeking to attract more international visitors through measures including expanded visa-free travel arrangements and improvements to its tourism infrastructure.
Official figures cited by Xinhua showed that foreign nationals made nearly 61.29 million border crossings into and out of China between January and August 2026, representing a 19.5 per cent increase from the previous year. Visa-free entries accounted for 23.72 million of those crossings, up 26.8 per cent year-on-year.
The increase in international travel has also encouraged Chinese technology companies to expand support for overseas payment services.
Tencent has previously worked to connect international digital wallets to its payment network, allowing visitors to make purchases in China through payment services they already use at home.
In May, Tencent announced an integration with PayPal that allows eligible US travellers to make payments at Weixin Pay merchants in China through the PayPal app.
Tencent Looks To Make China Travel More Accessible
<img src="https://r2.myc.my/219c0bbebafbd5179522d93ed139cd072350f14cc5b7f9562dbb1a9579d589ea" />
TenPayGo represents another step in Tencent&rsquo;s efforts to bridge the gap between China&rsquo;s cashless payment ecosystem and international travellers.
Rather than requiring visitors to download WeChat or obtain a local Chinese phone number, the app brings payments, public transport and selected travel tools together in a platform specifically designed for overseas users.
Tencent has also said it will work with domestic online payment-clearing house NetsUnion to connect more overseas digital wallets to its payment network.
As international tourism to China continues to grow, TenPayGo could give foreign visitors a simpler way to pay for everyday expenses while also providing access to transport and travel-related services from a single smartphone.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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China’s cashless ecosystem just got more foreigner-friendly.

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Tencent Launches TenPayGo Payment App For Overseas Visitors Travelling To China

When financial difficulties pushed his company into a deficit, entrepreneur Ade Azhar Ismail found himself with just RM33 left in his savings account.
Rather than give up, he returned to his roots by selling nasi lemak from the boot of his car in Seksyen 9, Shah Alam.
Ade, who has spent almost 16 years as an entrepreneur and previously earned a five-figure income as the CEO of his own distribution company, admitted that returning to roadside selling was not an easy decision.
However, what started as a way to generate an income during a difficult period eventually grew into a new business venture, earning RM9,000 in profit in its first month.
From A 60-Person Team To Just 14 Employees
<img src="https://r2.myc.my/cf92a83a942ce74a504298cf652ac29d98be7cd1b0834263d46c441f42918413" />
According to Harian Metro, Ade has never worked a salaried job, having started his business journey through direct selling by selling toys.
In 2009, he became the CEO of his own company, which distributed products including air fresheners, storybooks, children's books, educational reading materials and books on the life of the Prophet.
At its peak, the company had around 60 employees. However, its sales team gradually shrank, with Ade saying only 14 employees remain. Many of those who left were Gen Z workers who were no longer interested in direct selling.
The loss of his sales team, along with several business partners leaving, affected the company's operations and contributed to it running at a deficit from the middle of last year.
Despite the difficulties, the company remains operational. Ade decided not to draw a CEO's salary and instead started selling nasi lemak, using the proceeds as his income while putting the remainder towards the company.
He Initially Felt Embarrassed Selling By The Roadside
&nbsp;<img src="https://r2.myc.my/b7ec3f45c98ecc6c42285cd1b169c7d6e8549bc666154f85287c920a1fe20e0e" />
Returning to street trading was not easy for someone who had spent years running a company.
Ade admitted that he initially felt embarrassed about facing his siblings, relatives and employees while selling nasi lemak from his car boot.
However, he eventually put those feelings aside after remembering that his own business journey had started with direct selling. Friends and fellow business owners also supported him by visiting his selling spot and buying nasi lemak.
Ade said his family was initially unaware of the difficulties he was experiencing. His wife only found out about his new venture on the 15th day.
Since he sourced the nasi lemak from a distant relative rather than preparing it himself, she did not realise that he had started selling food by the roadside.
Started With Just 30 Packets
<img src="https://r2.myc.my/68932fc7fbd98fde9bd69359473fda02724b295f6ccf631d152f2de14866efb4" />
Ade's first day began with just 30 packets of nasi lemak.
He recalled feeling discouraged and even like a &ldquo;loser&rdquo; before starting, but his confidence grew once customers began buying. By the end of the day, all 30 packets had been sold.
Encouraged by the response, he continued with the business. A video of him selling nasi lemak later went viral on social media, bringing more attention to his venture.
Ade said his first month's profit reached RM9,000. By his 53rd day of selling, he had started recruiting workers and expanded the car-boot business to five additional locations.
Now Selling Up To 1,200 Packets A Day
&nbsp;<img src="https://r2.myc.my/c5e76c6739f906f07afa74a89acbceb97bb75ff486044155d6b618a30926b2ca" />
By the 81st day, Ade and his team were selling as many as 1,200 packets of nasi lemak a day.
The business operates in two shifts, with the first beginning at 8.30am and the second starting at 5pm and continuing until the nasi lemak is sold out.
Roadside trading comes with challenges, from unpredictable weather to keeping up with growing demand. Despite this, Ade said they had sold out every day from the first day through to his 81st day.
Although the work is tiring, he said he enjoys meeting customers, including those who travel from far away to support his business.
&ldquo;Let Go Of Embarrassment And Ego&rdquo;
Ade sees the experience as an opportunity to reflect on his past mistakes and make improvements.
For others facing financial or business difficulties, he advised them not to let embarrassment or pride stop them from finding a way forward.
&ldquo;Let go of embarrassment and ego. Find a way out of your problems,&rdquo; he said.
Ade also encouraged people to make use of whatever experience and resources they already have instead of being afraid to start again.
&ldquo;Don't be afraid to start and, God willing, we can rise again and rebuild what we once worked for, even if we have to start from the bottom,&rdquo; he said.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Rock bottom isn’t the end — sometimes it’s just the start of a better recipe.