EPF’s digital leap to build a future-ready pension system in Malaysia

EPF's digital transformation is guided by a clear focus on strengthening financial security and expanding coverage to retirement savings. The strategy aims to enhance member experience and extend reach to underserved populations, while building long-term trust and resilience.

"Our purpose is to build a better retirement future for Malaysia. This entails making it easier, faster, and more intuitive for our members to access their savings and plan for their future," says Afhzal. "We're reimagining the entire member experience, leveraging cloud and AI to make every interaction seamless and secure."

Digital tools are already having a measurable impact. For example, EPF's mobile app now enables members to top-up their savings through voluntary contributions and check balances, perform withdrawals, as well as access educational content to boost financial literacy.