Description
Jirnexu is a Kuala Lumpur-based full-stack financial technology solutions provider, best known to the public as the operator of RinggitPlus, Malaysia’s leading financial comparison website. The company bridges the gap between everyday consumers seeking financial products and the traditional banking institutions that provide them.
The company operates a dual-sided business model: a B2C financial comparison portal and a B2B enterprise tech arm. It utilizes its proprietary XpressApply technology to empower financial institutions to digitize their entire customer acquisition pipeline, enabling frictionless online applications, e-KYC onboarding, and approval workflows for credit cards and personal loans.
Jirnexu holds the distinction of being the first fintech to secure approval under the Bank Negara Malaysia regulatory sandbox for electronic KYC implementation. Its technology powers the digital backends of massive regional financial institutions, listing major clients such as CIMB, Standard Chartered, HSBC, and RHB Bank.
The company is focused on deepening its embedded finance offerings and expanding its B2B enterprise software capabilities across Southeast Asia. What truly sets the company apart is providing end-to-end digital acquisition tools that transform historically complex, paper-heavy banking applications into seamless, mobile-friendly consumer experiences.
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