PayNet (Payments Network Malaysia) is Malaysia's national payments network, providing central infrastructure for financial markets. It offers services like DuitNow (instant transfers), JomPAY (bill payments), FPX (online payments), and MyDebit (national debit card scheme). PayNet's target audience includes consumers, businesses, and financial institutions across Malaysia and ASEAN. Its unique selling proposition is enabling seamless, efficient, and secure digital payments, both domestically and cross-border, through partnerships like Alipay+ and Project Nexus[1][2][3]. This positions PayNet as a leader in Malaysia's digital economy transformation.