Touch ‘n Go Group Launches GOpinjam

Apr 1, 2022
Touch ‘n Go Group Launches GOpinjam

Touch ‘n Go (“TNG”) Group today announced the launch of GOpinjam, an inclusive digital personal loan proposition available through Touch ‘n Go eWallet. This marks Touch ‘n Go eWallet’s first digital lending solutions offering, having previously already launched financial services propositions in investments and insurance.


Accessed through the Touch ‘n Go eWallet and delivered fully electronically, GOpinjam offers personal loans from as low as RM100 to a maximum of RM10,000. The repayment period for these loans can range from one week to one year, with no hidden fees of early settlement charges. To further promote inclusion and accessibility to as many people as possible, potential borrowers will require a minimum monthly income of only RM800 to gain access to GOpinjam.


GOpinjam is developed in partnership with CIMB Bank Berhad (“CIMB Bank”) and employs differentiated product design and delivery mechanisms to ensure best-in-class user journey and experience. The credit underwriting process is also differentiated, built using the best of both data sets, that of the credit bureau and also eWallet spend data – resulting in greater accessibility for the under-banked segment. For example, this is the first lending offering that would allow users to borrow from as low as RM100, with CIMB Bank’s e-Zi Tunai Personal Loan product which has been approved by Bank Negara Malaysia.


All first-time users who wish to apply are required to submit either a one-month payslip or latest EPF statement along with basic information for the loan application. For the first-time user, the commitment is to inform the user on whether he/she is successful or not within the next business day upon full and accurate submission of the income documentation. For approved applicants, the funds are then disbursed immediately into either their Touch ‘n Go eWallet or CIMB Bank account. Returning users though experience straight-through approval and instant loan disbursement, without the need to go through the submission process.


“This is a true market first. We researched the landscape thoroughly before building GOpinjam and I feel we’ve come up with a proposition that delivers significant value to our users, at the same time address the pain points of current personal lending propositions. We’re so pleased to have been able to put this together. We will take feedback post launch and continue to improve with the goal of making this the go-to product for this segment,” said Effendy Shahul Hamid, Group CEO, Touch ‘n Go Group.


“The financial inclusion element was always at the forefront of our thinking, and we expect GOpinjam to be available to those who otherwise would not have been able to access formal credit facilities. We’ve managed to get this done on the back of a ‘win-win’ partnership mentality between Touch ‘n Go and CIMB Bank – leveraging each other’s strengths in credit underwriting and wealth of data to bring the most relevant personal credit solution to underserved segments,” added Effendy.


Updating on the other key financial services development launched by Touch ‘n Go, he added that Touch ‘n Go’s GO+ micro-investment proposition which was launched in 2021 has already 2.25 million users. At the same time, on the insurance side, Touch ‘n Go contributed to 31% of the Perlindungan Tenang Voucher Programme by the Government of Malaysia.


“CIMB is proud to support GOpinjam through our CIMB e-Zi Tunai Personal Loan, a fully inclusive proposition targeted at underserved segments, anchoring on a pure-play eWallet-Bank partnership. This development is also in line with our long-term strategy and intent for the Touch ‘n Go Group, and to allow it to develop into one of Malaysia’s leading non-bank digital financial services providers. We believe GOpinjam also addresses the Government’s push towards a more cashless and inclusive society, an area that both CIMB Group and Touch ‘n Go Group fully support,” said Dato’ Abdul Rahman Ahmad, Group CEO of CIMB Group.


Press Coverage:

The Edge

Touch 'n Go's GOpinjam facility to promote responsible microlending

The Star Online

Touch ‘n Go launches first digital microlending, GOpinjam

The Sun Daily

Govt aims to double microinsurance, microtakaful sign up by 2026

New Straits Times

CIMB offers Malaysia's first fully online personal loans via Touch 'n Go e-wallet

The Sun Daily Online

Touch ‘n Go launches personal loan initiative

Astro Awani Online

Kewangan | Urus niaga perbankan mudah alih meningkat

Bernama Online

Kerajaan sasar gandakan pendaftaran insurans mikro, takaful mikro menjelang 2026 – Tengku Zafrul

Berita Harian

TNG sedia pinjaman peribadi melalui GOpinjam

Harian Metro

GOpinjam tawar pembiayaan mikro

China Press

Touch ‘n Go进军贷款服务-可借最低rm100至1万

Sin Chew Daily

TNG 增个人贷款功能-最低rm100最高1万-利率8

Guang Ming Daily Online

100到1萬 利率8% TNG可以借錢

The Malaysian Reserve

TNG launches its first micro loan offering to assist B40 groups

Focus Malaysia

Touch ‘n Go Group launches GOpinjam in partnership with CIMB

Business Today

Touch ‘n Go Group Launches GOpinjam


TNG eWallet Rolls Out Digital Personal Loan Service, GOpinjam

GOpinjam Tawar Pinjaman Sehingga RM10,000 – Namun TNG eWallet Akui Ia Tidak Patuh Syariah


Touch ‘n Go Launches GOpinjam: A Digital Personal Loan Scheme Powered By CIMB Bank

Dagang News

Touch ‘n Go bekerjasama dengan CIMB perkenal perkhidmatan pinjaman peribadi digital menerusi GOpinjam

Touch ‘n Go GOpinjam launched in Malaysia – digital personal loans through eWallet app; backed by CIMB


GoPinjam: Touch ‘n Go eWallet now offers digital personal loans up to RM10,000

Soyacincau (BM)

Gopinjam: Servis pinjaman peribadi konvensional dalam APP TnG eWallet

Soyacincau (Mandarin)



TNG eWallet Perkenal Kemudahan Melakukan Pinjaman Peribadi – Namun Tidak Patuh Syariah

Fintech News Malaysia

Touch ‘n Go Offers Personal Loans up to RM10,000 Through “GOpinjam”


Touch 'n Go eWallet now has GOpinjam where you can get a loan up to RM10,000

Technave (BM)

Touch ‘n Go lancarkan GOpinjam, pinjaman peribadi serendah RM100

GOpinjam Makes Loaning Money Easier with Touch ‘n Go eWallet 


申请借贷更方便!TNG eWallet推出GOpinjam借贷服务:最高可提供1万令吉款项+12个月偿还周期等!


TNG eWallet正式推出GOPinjam借贷服务,可借贷高达RM10,000


手痒去看一看TnG GOPinjam可以借多少钱?小心它像地产老那样一直追问你下文!

Cincai News


Touch ‘n Go Group Launches GOpinjam