# TNG Digital

TNG Digital is an Asset Manager based in Kuala Lumpur, Malaysia.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Kuala Lumpur, Malaysia
- **Region:** Asia
- **Address:** Kuala Lumpur, Malaysia
- **Founded:** 2017
- **Assets under management:** Undisclosed
- **Website:** www.tngdigital.com.my
- **LinkedIn:** https://www.linkedin.com/company/tng-digital

## Regulatory record

- **Reports private funds:** No

## About

TNG Digital is a Kuala Lumpur-based company founded in 2017. It focuses on e-payments and urban mobility solutions. The firm has secured 228300001 in total funding.

## Sectors

- FinTech
- Enterprise Software
- Financial Services

## People

- Alan Ni — Chief Executive Officer

## Questions

### Who runs investment and product decisions at TNG Digital?

Alan Ni serves as Chief Executive Officer and is the most senior executive shaping product and capital-allocation strategy. Before joining TNG Digital, he held leadership roles at Razer Fintech, giving him direct experience building scaled consumer fintech in Southeast Asia. Investment decisions are made internally by the management team, with strategic direction aligned to the joint venture partners CIMB Group and Touch 'n Go Sdn Bhd.

### How does TNG Digital source its user base, and what makes its channel unique?

TNG Digital inherits its core user acquisition channel from Touch 'n Go Sdn Bhd, the entity that operates Malaysia's toll-road and public transit payment card system. That infrastructure mandates that millions of Malaysians already carry and top up a Touch 'n Go card daily. The digital wallet converts this physical, high-frequency payment behavior into a mobile app relationship, effectively acquiring users at near-zero marginal cost through a government-linked monopoly position.

### What financial products does TNG Digital currently offer beyond the e-wallet?

The platform has expanded beyond payments into consumer credit, micro-insurance, and investment products. GOinvest provides access to fractionalized unit trusts from third-party fund managers. GOinsurance distributes bite-sized life, health, and motor insurance policies underwritten by partners such as AIA. Consumer lending is offered through GO+, which gives users credit lines based on wallet behavior and transaction history.

### Does TNG Digital hold a Malaysian banking license?

No, it does not hold a standalone banking license. Instead, it operates its lending products through CIMB Group's balance sheet and banking infrastructure. This parent-company relationship allows TNG Digital to offer credit products without the regulatory capital requirements of a licensed bank, while still leveraging CIMB's underwriting and risk-management frameworks.

### How is TNG Digital related to CIMB Group and Touch 'n Go Sdn Bhd?

TNG Digital is a joint venture between the two entities: Touch 'n Go Sdn Bhd, the physical card and tolling infrastructure operator, and CIMB Group, one of Malaysia's largest banking groups. Touch 'n Go provides the user acquisition channel and public-infrastructure anchor. CIMB provides the regulated banking balance sheet, capital backing, and institutional risk management framework that supports the platform's lending and investment products.

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Last updated: 2026-06-03T20:00:00.000Z

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