One banking rail for the co operative bank, carrying six products, plus the accelerator submission. Everything below runs. Open a prototype and use it: scan a QR and pay, tap the card, open a CDS account, top up Tabung Haji, or approve a financing application above a branch limit and watch it refuse.
The member app. Digital card and tap to pay, DuitNow QR, Tabung and Tabung Haji, the full Islamic suite, CDS with a training mode, screened digital assets and an AI advisor.
Open the customer app 24 checksThe merchant app. Counter and charged QR, Tap to Phone with no terminal, e Invoice into MyInvois, payroll with EPF and SOCSO, and financing priced off real settlement history.
Open the business app 25 checksThe banker console. Branch network, sales pipeline and targets, an approval queue with a real limit, the Shariah event register, mule watch, and questions answered in plain language.
Open the consoleThe bank’s own site. Ten products, each opening the contract mechanics step by step, online account opening with MyKad, Rakyat AI on customer service, and the split into the two login portals.
Open the portal 15 checksPersonal online banking. Security phrase before the password, then accounts, transfers with scam screening, Tabung, cards, investments and statements.
Open the login 24 checksCompany banking with Rakyat Gateway, the bank’s own payment gateway: API keys, webhooks, payment links and six methods. Plus card terminal applications and biometric release.
Open the loginThirteen sections, driven with the arrow keys. The product sections embed the running prototypes rather than screenshots of them.
PresentThe whole proposal on a single A4 sheet. Print it or save it as a PDF and hand it across the table.
Read and printEvery feature mapped to its contract, the full Securities Commission screen, the governance workflow, the regulatory references, and the open questions we are not deciding for the Committee.
Open the dossierHow to try it. Every prototype takes a language switch in the top corner, so the whole product can be read in Bahasa Melayu. Add ?selftest=1 to any of the three app addresses to run its automated checks and see the results. The customer app also accepts ?open=th, ?open=cds, ?open=scan, ?open=ai and ?open=crypto to jump straight into a flow.
What this is. A concept prototype prepared by UNIVA Group Sdn Bhd. Figures are illustrative and do not represent Bank Rakyat data, rates or published product terms. The contract mappings summarise the applicable Malaysian rules as we understand them and are not a Shariah pronouncement or legal advice. Every product structure and disclosure would require Bank Rakyat Shariah Committee approval, with regulatory positions confirmed with Bank Negara Malaysia and the Securities Commission, before anything reached a customer.