SHAH ALAM - Malaysia’s first digital Islamic bank, AEON Bank, launched its Ramadan and Syawal campaign themed “Niat di Hati, Budi Terpateri”, combining community outreach, financial inclusion initiatives and digital banking rewards aimed at supporting Malaysians during the festive season.
Inspired by the spirit of compassion and sharing blessings during Ramadan and Hari Raya Aidilfitri, the campaign emphasised the idea that sincere intentions followed by thoughtful actions can create meaningful outcomes and lasting impact.
The initiative was also brought to life through a self-produced Ramadan Aidilfitri 2026 brand video released on the bank’s official YouTube channel.
NIAT TO EMPOWER THE COMMUNITY: SALAM PRIHATIN 4.0
A key pillar of the campaign was the continuation of the bank’s flagship community impact initiative, Salam Prihatin.
This year, Salam Prihatin 4.0 engaged 100 households from Perumahan Pantai Permai, benefiting more than 400 individuals.
The engagement took place on March 3, in collaboration with AEON BiG Wangsa Maju and the non-governmental organisation Pertubuhan Kebajikan Masyarakat Penyayang Lembah Pantai (PERKEMP) Lembah Pantai.
As part of the programme, each participating family received a RM300 grocery allocation, bringing AEON Bank’s contribution for the initiative this year to RM30,000.
More than 50 AEON Bank employees, including senior management, assisted families during the grocery shopping activity by helping them plan their purchases based on their household needs.
The programme was also designed to encourage financial inclusion by guiding beneficiaries to manage their grocery budgets independently, particularly for families caring for children, elderly members or persons with disabilities.
Since its introduction, the Salam Prihatin initiative has reached nearly 2,000 beneficiaries over four years.
NIAT TO BE MORE RINGGIT SAVVY: SMART SAVINGS AND VALUE ADDED REWARDS
In addition to community engagement, AEON Bank introduced a range of digital banking tools and incentives aimed at helping Malaysians manage rising living costs.
Among the initiatives is Neko Sensei, an in-app financial coach within the AEON Bank mobile application designed to help customers track spending and manage their finances more effectively.
Customers can also enjoy RM30 Raya cashback when paying with the AEON Bank Debit Card-i at participating MyDebit merchants from Feb 1 to April 15.
Other offers include a competitive three per cent per annum profit rate for Savings Pot valid until May 31, aimed at supporting customers in keeping their financial goals on track.
AEON Bank also highlighted its Personal Financing-i (PF-i) offering, which provides financing from RM1,000 to RM100,000 with profit rates starting from 3.88 per cent annually and repayment tenures ranging from three to 84 months.
The fully digital application process is available to Malaysians earning at least RM2,500 monthly, including salaried workers, freelancers and gig economy participants.
To enhance engagement within the app, AEON Bank introduced Neko Missions, a gamified feature that offers RM5 cashback for DuitNow QR transactions through the bank’s app until May 15, 2026.
Customers can also pay utility and telecommunications bills through JomPAY, providing a single platform for essential financial transactions.
In a move aimed at improving accessibility, AEON Bank also announced that from March 17, it would remove the minimum balance requirement for its accounts, making Syariah-compliant digital banking more inclusive.
NIAT TO FULFILL RELIGIOUS OBLIGATIONS: SAH AND SEAMLESS ZAKAT PAYMENT VIA AEON BANK APP
Another feature introduced during Ramadan was a zakat payment function within the AEON Bank app.
Through a partnership with Tulus Digital, customers can now fulfil obligations for 11 types of zakat with a sah Aqad process, including zakat fitrah, zakat on earnings, zakat on business and zakat on gold.
The feature currently supports payments to Lembaga Zakat Selangor and Pusat Pungutan Zakat Majlis Agama Islam Wilayah Persekutuan, with plans to expand to other states in the future.
NIAT TO BRING DIGITAL BANKING TO THE MASSES: O2O WONDERS
Beyond digital platforms, AEON Bank also introduced an online-to-offline engagement programme at Ramadan bazaars in Shah Alam.
Held in collaboration with Persatuan Penjaja dan Peniaga Kecil Melayu Negeri Selangor (PPPKMNS), the initiative brought AEON Bank’s digital services directly to visitors at Bazaar Ramadan Seksyen 2 and Seksyen 23 over four weeks.
Visitors at the Seksyen 23 bazaar on March 16 were also given the chance to receive AEON Bank merchandise and surprise gifts.
As a cloud-native and AI-driven digital bank, AEON Bank said it remains committed to expanding accessible financial solutions while supporting community development and economic independence.
Through initiatives that combine social impact, financial education and digital innovation, the bank aims to strengthen Islamic banking while contributing to Malaysia’s broader digital economy.
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