Pertama Digital Berhad

What Pertama Digital Berhad does

Pertama Digital Berhad (PDB) is a publicly listed Malaysian information technology company (Bursa Malaysia Main Market, ticker 114842-H) that operates a portfolio of digital platforms targeting government agencies, citizens, and microentrepreneurs. The company is 100% Malaysian-owned and Shariah-ready, with headquarters in Kuala Lumpur and 251-500 employees. Founded in 1984, PDB has evolved into a multi-product platform spanning online bail payments, government service gateways, micro-SME digital tools, financial literacy programmes, and citizen communications.

The company's core products include eJamin (Malaysia's first and only online bail payment system serving over 95% of civil courts with RM1 billion+ in transactions processed), BizKecil (a digital platform for petty traders and micro SMEs offering business tools, stock ordering, payments, and aid onboarding), KOCEK and KOCEK Pintar (coin-to-digital conversion and school-based financial literacy programmes), MyPay (a one-stop digital government gateway), and MySMS/MyWhatsapp (a government-to-citizen communications platform). Underlying infrastructure is described as API-first architecture enabling integrations with banks, telcos, and government systems, with nationwide communications infrastructure supporting emergency and public messaging.

PDB operates on a pay-for-performance model with government partners, supplemented by transaction fees (eJamin), subscription revenue (BizKecil, MySMS/MyWhatsapp), and outcome-based contracts. Distribution combines direct-to-consumer digital self-service portals with government agency partnerships and B2B2C integrations via banks and telcos. The company is exclusively focused on the Malaysian market and has announced a "Future Innovations" roadmap covering AI-powered services, advanced biometric security, and CPaaS offerings.

Name

Pertama Digital Berhad

Legal name

Pertama Digital Berhad

Website

https://pertamadigital.com

Company type

Public

Founded year

1984

Operating status

Operating

Headcount range

251–500 employees

Short description

Pertama Digital Berhad is a publicly listed Malaysian IT company operating digital platforms — including the national online bail payment system eJamin, government gateway MyPay, and micro-SME platform BizKecil — that serve Malaysian government agencies, citizens, and microentrepreneurs through a pay-for-performance model.

Ownership category

akta.pro rank

Product category

Government Digital Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

akta.pro primary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

akta.pro secondary industry

Biller Direct EBPP Platforms (FSAMAJAA)

Keywords

• Digital government services
• Online payment platforms
• Microenterprise fintech
• Financial inclusion tools
• Citizen communications platforms

Headquarters

HQ city

Selangor

HQ country

Malaysia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Government Digital Services: Pay-for-performance model partnering with government agencies to deliver digital services. Revenue generated through successful delivery of digital transformation projects for government agencies.
2. Transaction Processing (eJamin): Processing bail payments for courts nationwide. Over RM1 billion in bail transactions processed to date.
3. Micro SME Platform Services (BizKecil): Digital platform for petty traders offering business tools, stock ordering, payments, and digital onboarding for government aid.
4. Government Communications (MySMS & MyWhatsapp): Government-to-citizen communications platform serving essential messaging needs for government agencies.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Pertama Digital Berhad builds and operates digital platforms that deliver government, financial, and citizen-communications services across Malaysia. Its portfolio includes eJamin (online bail payment for civil courts), BizKecil (a digital platform for microentrepreneurs and petty traders), KOCEK and KOCEK Pintar (coin-to-digital conversion and financial literacy), MyPay (a one-stop government-to-citizen gateway for payments and document access), and MySMS & MyWhatsApp (government-to-citizen messaging). The company operates on a pay-for-performance model in partnership with Malaysian government agencies.

Product overview

Pertama Digital Berhad operates a multi-product platform spanning digital payments, financial inclusion, government services, and secure citizen communications. Its portfolio comprises seven named offerings: eJamin (online court bail payment), BizKecil (digital platform for micro SMEs and petty traders), KOCEK Pintar (school-based financial literacy programme), KOCEK (coin-to-digital credit conversion), MyPay (government-to-citizen digital gateway), and MySMS & MyWhatsApp (government communications via SMS and WhatsApp), alongside Future Innovations covering AI-powered services, biometric security, and CPaaS. The products are distinct brand offerings unified by a shared API-first infrastructure backbone and a common mission of digital inclusion for everyday Malaysians, with solutions serving civil courts, microentrepreneurs, students, citizens, and government agencies.

Differentiator

Problem solved

Functional benefit

Brands

• eJamin: Malaysia's first and only online bail payment system. Reduces bail payment times from hours to minutes, serving over 95% of civil courts nationwide and processing more than RM1 billion in bail transactions to date.
• BizKecil
• KOCEK Pintar
• KOCEK
• MyPay
• MySMS & MyWhatsApp
• Future Innovations

Products and services

• eJamin Malaysia's first and only online bail payment system that reduces bail payment times from hours to minutes, serving over 95% of civil courts nationwide and processing more than RM1 billion in bail transactions to date. Designed for Malaysian civil courts and members of the public needing to post bail.
• BizKecil A one-stop digital platform for petty traders and micro SMEs offering business tools, stock ordering, payments, and digital onboarding for government aid. Targeted at microentrepreneurs and small business owners.
• KOCEK Pintar A financial literacy and digital inclusion programme run in collaboration with PINTAR Foundation and the Ministry of Education, engaging students through coin-to-digital savings, financial literacy workshops, school donation drives, and cashless systems. Targeted at Malaysian students, schools, and parents.
• KOCEK A financial inclusion tool that transforms loose change into meaningful value, instantly converting coins into digital credit that can be saved or spent. Targeted at everyday Malaysian consumers, including those who are underbanked.
• MyPay A one-stop digital government gateway connecting citizens to government agencies, enabling real-time payments, renewals, and document access from a single secure platform. Targeted at Malaysian citizens and government agencies.
• MySMS & MyWhatsApp A secure government-to-citizen communications platform delivering essential messages via SMS and WhatsApp, ranging from service reminders to emergency alerts. Targeted at Malaysian government agencies for citizen outreach and at citizens receiving government messages.

Quantifiable outcome

• Reduces bail payment processing time from hours to minutes
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core.

• PINTAR FoundationcoreStrategic or Co-development PartnerCollaboration with PINTAR Foundation to deliver KOCEK Pintar financial literacy and digital inclusion programme. Supported by Ministry of Education, the programme engages students through activities like coin-to-digital savings, financial literacy workshops, and school donation drives.
• Ministry of Education MalaysiacoreStrategic or Co-development PartnerMinistry of Education provides official support for the KOCEK Pintar financial literacy and digital inclusion programme. Selected schools explore cashless systems as part of nurturing a digitally ready generation.

Scale indicators4 records

Recent moves2 records

Expansion highlights5 records

Others

• Malaysia Digital Economy Corporation (MDEC): Government agency driving Malaysia's digital economy initiatives and ecosystem partnerships. Comparable mandate to PDB around national digital inclusion, though as a policy/ecosystem body rather than a commercial operator.

Broad incumbents

• Cognizant: Global IT services firm with a substantial public-sector and government digital-transformation practice. Comparable as a large incumbent executing government digitization contracts, but with a much broader portfolio and geographic footprint than PDB.

Direct peers

• Touch 'n Go: Malaysia's leading e-wallet and digital payment platform serving citizens and merchants nationwide. Directly comparable to PDB in operating payment rails for everyday Malaysians and competing for the same digital-inclusion wallet share.
• Billplz: Malaysian online bill payment platform enabling businesses and consumers to pay and collect bills digitally. Directly comparable to PDB's MyPay government gateway in delivering EBPP-style payment experiences in Malaysia.
• Boost (Axiata Digital): A major Malaysian e-wallet and digital payments service backed by Axiata. Comparable to PDB's KOCEK, BizKecil, and MyPay offerings as a consumer-facing digital payment platform targeting Malaysian users.
• GHL Systems Berhad: Bursa Malaysia-listed Malaysian payment processor and fintech solutions provider offering transaction processing, e-wallets, and payment gateway services. Closely comparable operating model, market, and scale to PDB.
• iPay88 (Revenue Group): Malaysian payment gateway operator providing online transaction processing for merchants and billers. Comparable to PDB's payment infrastructure layer with similar API-based payment orchestration within Malaysia.

Emerging players

• Soft Space: Malaysian fintech specializing in white-label mobile payment and e-wallet solutions for banks and merchants. Comparable API-first payment infrastructure play, though focused on enabling financial institutions rather than government.

Regional players

• GCash (Mynt / Globe Fintech Innovations): Philippines' leading e-wallet with government payment integrations and broad financial-inclusion focus. Comparable digital-inclusion and government-payment mandate across a different Southeast Asian geography.
• OVO (PT Visionet Internasional): Indonesia's largest e-wallet with government and merchant payment integrations. Comparable citizen-facing digital payments and inclusion focus in another ASEAN market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pertama Digital Berhad