Learn how AEON Bank is making banking inclusive and digitally accessible for all Malaysians through innovative, Shariah-compliant financial solutions.

About AEON Bank: Our Mission & Islamic Banking Values

AEON Bank (M) Berhad is Malaysia’s first digital Islamic bank, licensed and regulated by Bank Negara Malaysia and the Ministry of Finance. Officially launched on 26 May 2024, we currently offer a suite of Shariah-compliant products and services for the Personal Banking customers and Business Banking (AEON Bank Biz) clients.Our Personal Banking offerings are 100% accessible via the AEON Bank app, namely the deposit Savings Account-i, AEON Bank x Visa Debit Card-i, Personal Financing-i, Term Deposit-i, Savings Pot, DuitNow QR, Zakat, Takaful, JomPay, utility bill payments, budgeting tools and the AI-powered personal financial coach called Neko Sensei, as well as a range of digital payment services with strategic partners and merchants, alongside Neko Missions, Malaysia’s first gamified digital banking interactive rewards programme.&nbsp; On 8 August 2025, AEON Bank (M) Berhad officially introduced AEON Bank Biz with the integrated cash management capabilities anchored by the Business Current Account-i, alongside Biz Term Deposit-i and Merchant DuitNow QR. AEON Bank Biz offers streamlined processes for account onboarding, credit assessments and financial services, utilising AI-driven fintech solutions to enable simplified procedures, faster approvals, and an enhanced digital banking experience for SMEs, corporate clients and local entrepreneurs.For eligible deposit-based products under AEON Bank and AEON Bank Biz, such as the Savings Account-i, Savings Pot, Term Deposit-i, Business Current Account-i and Biz Term Deposit-i, the deposits are protected up to RM250,000 per depositor. AEON Bank is a member of Perbadanan Insurans Deposit Malaysia (PIDM) and the deposit protection is automatic and free.Being part of the AEON Group conglomerate, AEON Bank (M) Berhad is equally held by AEON Financial Service Co. Ltd. (AFS Japan) and AEON Credit Service (M) Berhad (ACSM). AFS Japan is responsible for the AEON Group’s financial services businesses, with strong roots in the retail sector which operates in Japan and 10 countries across Asia and it is. AEON Group is Japan’s largest retail group and it is a pure holding company that comprises eight core businesses.AEON Group Malaysia consists of several entities, namely, AEON Co. (M) Bhd, AEON Credit Service (M) Berhad, AEON Bank (M) Berhad, AEON BiG (M) Sdn Bhd, AEON Fantasy (M) Sdn Bhd, AEON Delight (M) Sdn Bhd, AEON Global Supply Chain Sdn Bhd and Malaysian AEON Foundation (MAF). AEON Group has been a recognisable household brand with more than 200 years of history and evolution in Japan since the Edo era, along with 4 decades of growth in Malaysia, providing consumers with daily financial solutions and diversified retail convenience.&nbsp;Our cloud native agility and AI optimisation, combined with the strength of our Shariah finance DNA, Malaysian tenacity and Japanese roots are our distinguishing factors, while the integration across the AEON ecosystem gives us a competitive advantage of being the only bank in Malaysia with its own nationwide retail network. On top of that, AEON Points loyalty programme offers customers value-added benefits and meaningful rewards.AEON Bank (M) Berhad is committed to empower the community in pursuing their financial aspirations and achieve economic independence, while cultivating a more inclusive financial future for all. We will continue to contribute towards positioning Malaysia as the Islamic banking hub in the region and fostering the growth of the nation’s digital economy.

ABOUT

AEON Bank (M) Berhad

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First Digital Islamic Bank in Malaysia

AEON Group encompasses eight businesses, including Discount Stores, Services &amp; Specialty Stores, International, Shopping Centre Development, Financial Services, Health &amp; Wellness, Supermarkets, and General Merchandise Stores. AEON Financial Service manages the Financial Services Business within AEON Group, contributing to the Group’s balanced growth and its status as Japan's largest retail group.

AEON Co., Ltd Japan

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AEON’s story began in 1758 when Okadaya, a precursor to AEON, was founded in Yokkaichi City, Mie Prefecture.

1758

In 1969, the Company merged Okadaya with Futagi in Hyogo Prefecture and Shiro in Osaka Prefecture, forming Jusco Corporation with a goal to modernise the retail industry. The Group then ventured into suburban shopping centers, launched financial services, and forged partnerships with retailers across Japan.

1969

In the mid-1980s, the Group expanded to Malaysia, Hong Kong, and Thailand, paving the way for global growth.

mid-1980s

In 1989, the Group rebranded from JUSCO Group to AEON Group.

1989

In 2001, JUSCO Co., Ltd. became AEON Co., Ltd. which became a pure holding company by 2008.

2001 - 2008

The Group proudly stands as Asia's largest retailer with consolidated operating revenue of ¥9 trillion.

Today

AEON Group Malaysia is part of the AEON Group which is Japan’s largest retail group with a steady track record of growth.&nbsp;&nbsp;AEON Group Malaysia consists of eight notable entities.

AEON Group Malaysia

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Learn more

Pursuing peace, respecting humans, and contributing to local communities, always with customers as our starting point.&nbsp;&nbsp;AEON firmly believes that retailing is an industry to promote peace, humanity, and local communities. To remain a thriving corporate group that fulfills this mission, we are committed to continuous innovation, with customers as our starting point.

AEON’S FOUNDATIONAL IDEALS

We are driven by our ideals

OUR LEADERSHIP

Tomokatsu Yoshitoshi

Tomokatsu Yoshitoshi is the Chairman and Independent Non-Executive Director at AEON Bank (M) Berhad. He is currently the Audit and Supervisory Board Member of FPG Trust Company Ltd. since 2016. Previously, he was the Independent Non-Executive Director at AEON Credit Service (M) Berhad from 2016 and the Independent Non-Executive Director of AEON Bank Ltd. from 2015, which both ended in 2023. He was also the Audit and Supervisory Board Member at Financial Partners Group Co., Ltd. until December 2023.&nbsp;&nbsp;Yoshitoshi began his career in 1975 at the Long Term Credit Bank of Japan Ltd. (LTCB), where he served for 24 years, including international stints in the USA, Brazil, and the UK. He has held several key positions throughout his career, including President and CEO at ING Investment Trust Co., Ltd., Head of Banking Business Planning at ING Life Insurance Co., Ltd., and an Advisor at Shoeikai Medical Corporation. Yoshitoshi graduated with a Bachelor’s Degree in Law (Political Science) from Keio University, Japan, in 1975. He then took his postgraduate studies at the Graduate School of Business Administration, Indiana University, USA, in 1981.

Nirmala Doraisamy

Nirmala Doraisamy is the Independent Non-Executive Director at AEON Bank (M) Berhad. Currently, she is also an Independent Non-Executive Director for PETRONAS Dagangan Berhad and CTOS Digital Berhad.&nbsp;&nbsp;She is a seasoned banker with expertise in credit and risk management within the financial services sector. She has successfully implemented the Enterprise Risk Management systems and Business Continuity Management initiatives across various industries. Nirmala is a Fellow of the Chartered Institute of Management Accountants and a Certified Credit and Risk Professional. She is also a member of the Auditing and Assurance&nbsp; standards Board of Malaysian Institute of Accountants. Nirmala has a Master in Business Administration from International Islamic University as well as a Bachelor of Economics (Honours) from University Malaya.

Wan Rumaizi Wan Husin

Wan Rumaizi Wan Husin took on the role of Chairman of the Shariah Committee at AEON Bank (M) Berhad on 1 April 2023. Currently, he is also the Independent Non-Executive Director at the Bank.&nbsp;&nbsp;He formerly lectured on Shariah and Islamic Jurisprudence at International Islamic University Malaysia (IIUM). Since 2011, he has been a Shariah Committee member for various financial institutions, including Islamic banks and takaful operators. He frequently provides Shariah consultation, engages in research, and has notably contributed as a module developer for the MS 1900: 2014 Standard (Shariah-based Quality Management Systems–Requirement with Guidance) secretariat of SIRIM. Wan Rumaizi holds a Bachelor’s Degree from Al-Bayt University, Jordan and a Master’s degree from IIUM, both in Fiqh and Usul al-Fiqh. He is a member of the Association of Shariah Advisors, Malaysia (ASAS) and the International Union for Muslim Scholars, Qatar.

Ho Chai Huey

Ho Chai Huey is the Independent Non-Executive Director of AEON Bank (M) Berhad. She is currently an IT and project management senior consultant with a service management company which provides IT consultancy service on IT strategic plans and digital transformation including technology risk management to affiliated professional institutes in the financial sector.&nbsp; &nbsp; An IT management professional with 38 years of experience, Chai Huey started her career with Bank Negara Malaysia as an Information Technology (IT) Analyst in 1983 until she retired as an IT Director on 5 July 2016. She has held notable positions in the corporate world, including being appointed in the Board of HSBC Amanah Malaysia Berhad, where she led the Nominations and Remuneration Committee and member of Risk and Audit Committees. In addition to her current role, Chai Huey also sits on the Board of Cagamas Berhad, and member of the Risk Committee and Board Staff Compensation and Organisation Committee. Recently, she has been appointed as an Independent Director of Private Pension Administrator Malaysia. Chai Huey graduated from the University of Malaya with a Bachelor of Economics, Honours Class 1 Statistics in 1983.

Shunsuke Shirakawa

Shunsuke Shirakawa is the Non-Independent Non-Executive Director at AEON Bank (M) Berhad. Currently, he also serves as the Chairman of the Board, AEON Bank, Ltd. Japan and AEON Financial Service Co., Ltd., Japan.&nbsp;&nbsp;Shirakawa began his career in 1986 with the Ministry of Finance (“MOF”) and has served over 35 years with both the MOF and the Financial Services Agency (“FSA”) of Japan. He has held several key positions, focusing on supervision, inspection, strategy, and international affairs. Internationally, Shirakawa was the Consul for the Consulate-General of Japan in Hong Kong (1995-1998), a member of the Basel Committee (2015-2019), and the Co-Chair of the Non-bank Working Group of the Financial Stability Board (2018-2021). Shirakawa graduated with a Bachelor’s Degree in Law from the University of Tokyo and later obtained a Master of Public Administration from Columbia University, USA.

Daisuke Maeda

Daisuke Maeda is currently the Non-Independent Executive Director at AEON Bank (M) Berhad. He is currently the Managing Director of AEON Credit Service (M) Berhad, appointed in 2021.&nbsp;&nbsp;Maeda has been involved in senior management roles within overseas subsidiaries of AEON Financial Service Co., Ltd. since 2005. He served as the Senior Vice President and Head of Sales and Marketing at AEON Thana Sinsap (Thailand) PCL from 2005 to 2010. In 2011, he founded AEON Microfinance (Cambodia) Co., Ltd, where he held the roles of Managing Director and Vice Chairman. This establishment later obtained a Specialised Bank License and became AEON Specialised Bank (Cambodia) Co., Ltd, with Maeda continuing his leadership roles until 2017. He subsequently became the Managing Director of AEON Credit Service India Pvt. Ltd. in India before his current appointment. Maeda holds a Bachelor’s Degree in Sociology from Kansai University, Japan.&nbsp;Note: Daisuke Maeda does not hold any executive position in AEON Bank and does not have any management responsibilities in the bank. His designation as a Non-Independent Executive Director of AEON Bank is pursuant to the definition of “Executive Director” in BNM’s Policy Document on Corporate Governance, which defines “Executive Director” as a director of a financial institution who has management responsibilities in the financial institution or any of its affiliates. Daisuke Maeda has management responsibilities in AEON Credit Service (M) Berhad, a major shareholder and an affiliate of AEON Bank.

Wan Rumaizi Wan Husin is the Independent Non-Executive Director at AEON Bank (M) Berhad. Currently, he is also the Chairman of the Shariah Committee at the Bank, appointed on 1 April 2023.&nbsp;&nbsp;He formerly lectured on Shariah and Islamic Jurisprudence at IIUM. Since 2011, he has been a Shariah Committee member for various financial institutions, including Islamic banks and takaful operators. He frequently provides Shariah consultation, engages in research, and has notably contributed as a module developer for the MS 1900: 2014 Standard (Shariah-based Quality Management Systems–Requirement with Guidance) secretariat of SIRIM. Wan Rumaizi holds a Bachelor’s degree from Al-Bayt University, Jordan and a Master’s degree from IIUM, both in Fiqh and Usul al-Fiqh. He is a member of the Association of Shariah Advisors, Malaysia (ASAS) and the International Union for Muslim Scholars, Qatar.

Khairil Anuar Mohd Noor

Khairil Anuar Mohd Noor became a Member of the Shariah Committee at AEON Bank (M) Berhad. on 1 April 2023. Currently, he is the Principal and Co-Founder of Masryef Management House, a Kuala Lumpur-based Islamic Finance Consulting Firm.&nbsp;&nbsp;Previously, he held leadership roles at HSBC Bank Malaysia and Bank Simpanan Nasional. His experience extends to the Middle East, with prominent roles at Emirates Islamic Bank and Al Hilal Bank, Abu Dhabi. Khairil Anuar holds a Bachelor's Degree and MBA both, from St. Louis University, Missouri, after graduating from Universiti Teknologi Mara (UiTM).

Dr. Md Faruk Abdullah

Dr. Md Faruk Abdullah is a Shariah Committee Member of AEON Bank (M) Berhad, appointed with effect from 15 January 2026. He is currently a Senior Lecturer at the Department of Shariah, Economics and Governance, Academy of Islamic Studies, Universiti Malaya, and also serves as an Adjunct Faculty member at Guidance College, Texas, USA. Previously, he served as a Senior Lecturer at Universiti Sultan Zainal Abidin and as an Associate Fellow at the Accounting Research Institute, Universiti Teknologi MARA.&nbsp;Dr. Faruk has published extensively in refereed international journals and has led and participated in numerous industry-funded and applied research projects that support Shariah compliance, product innovation, and sound governance in Islamic financial institutions. His notable industry-driven research and consultancy engagements include providing Shariah opinions on breach of promise (waʿd) to UNICON Limited (UK), developing Shariah parameters on&nbsp;al-Iʿānah ʿalā al-Maʿṣiyah (facilitation of the acts of disobedience) in the context of shared human resources under the dual-banking leverage model for Affin Islamic Bank Berhad, and developing a waqf end-financing product manual for Bank Islam Malaysia Berhad.&nbsp;Dr. Faruk holds a PhD in Islamic Economics from Universiti Malaya, a Chartered Islamic Finance Professional (CIFP) qualification from INCEIF University, and a Bachelor’s degree in Fiqh and Usul al-Fiqh from the International Islamic University Malaysia.

Mohammad Ridzuan Abdul Aziz

Appointed as the CEO of AEON Bank (M) Berhad, effective 22 May 2026, Mohammad Ridzuan Abdul Aziz brings almost three decades of diverse background in the financial services sector and fintech industry, including roles with market regulators.&nbsp;Prior to this, Ridzuan was an Independent Non-Executive Director of AEON Bank (M) Berhad since 2023. He was also an Independent Non-Executive Director with DearTime Berhad and still serves the board of Malaysian Rating Corporation Berhad in the same capacity. Ridzuan also serves as a board advisor to the Fintech Association of Malaysia and was a government-appointed member of the Malaysia Innovation Policy Council, focusing on the development of the Malaysian digital economy.&nbsp;Ridzuan has a diverse background in the financial services sector and fintech industry, including roles with market regulators such as the Kuala Lumpur Stock Exchange and Securities Commission Malaysia. He is an experienced consultant and also an entrepreneur/founder of several fintech-related companies. His expertise encompasses regional financial regulatory requirements, compliance risks management, Anti-Money Laundering/Counter Terrorist Financing/e-KYC/e-KYB/Client Due Diligence, and market conduct. He has also been involved with implementation of Fintech and Regtech.&nbsp;He holds a Bachelor of Science in Economics, majoring in Accounting and Finance from the University of Wales, and a Master’s Degree in Business Administration from the International Islamic University Malaysia (IIUM), specialising in Management Information System.&nbsp;

Tsutomu Kamagata

Appointed Deputy CEO &amp; Chief Corporate Officer at AEON Bank (M) Berhad in December 2022, Tsutomu Kamagata (Kamagata San) brings extensive international experience in corporate, retail, and consumer banking to the role.&nbsp;&nbsp;Previously, he was the Overseas Business Division Head at AEON Financial Service Co. Ltd in Japan and held senior roles at MUFG Bank, Ltd in both Thailand and Japan, driving growth and expansion across international markets. Kamagata San holds a Certified Financial Planner (CFP®) designation from The Japan Association for Financial Planners and a Japanese Government Certification as Chief of Money Lending Operation, along with a Bachelor of Arts in Economics from Keio University, Japan.&nbsp;

Kang Yew Jin 

Kang Yew Jin was appointed as the Chief Technology Officer (CTO) of AEON Bank (M) Berhad in January 2026. A seasoned technology leader with over 25 years of experience in financial services, he is recognised for building and scaling secure, cloud-native platforms, including Shariah-compliant digital banking solutions.&nbsp;&nbsp;Previously, Yew Jin led technology strategy at PLUS Malaysia where he was involved in significant public infrastructure initiatives such as the JustGo ANPR tolling system&nbsp;(automated number plate recognition). His banking pedigree includes serving as Chief Information Technology Officer at Hong Leong Bank, where he spearheaded the award-winning Hong Leong Connect platform, the inspiration for DuitNow and recipient of the Global Banking and Finance Review’s Best Internet Bank Malaysia 2015. Earlier in his career, Yew Jin was part of the founding team for one of Singapore’s earliest digital banks, Finatiq.com, and was involved in the merger of OCBC with Keppel TatLee Bank. These contributions earned him the PIKOM CIO of the Year award and consistent inclusion in IDG’s Top CIOs in ASEAN list from 2019 to 2025. &nbsp; Yew Jin holds a Bachelor of Engineering in Computer Engineering with First Class Honours from University of New South Wales, and is a Certified AWS Solutions Architect, TOGAF 9 practitioner, and Project Management Professional (PMP).&nbsp;

Idham Sabki Baharum

Idham Baharum has been the Treasurer at AEON Bank (M) Berhad since June 2023, with over 25 years of experience in reputable banks and financial institutions, including Bank Negara Malaysia and Hong Leong Islamic Bank.&nbsp;&nbsp;Previously, Idham was Executive Vice President at Maybank Islamic Bank Berhad, demonstrating leadership in numerous key roles within the financial sector. Idham holds a Masters of Science in Wealth Management from the Singapore Management University and a Bachelor of Science in Economics from the University of Warwick.

Husna Abdul Hamid

Nur Nazratulhusna Abdul Hamid assumed the role of Chief Financial Officer of AEON Bank (M) Berhad in November 2025 and has over 12 years of banking experience. Since joining the bank in January 2023, she was responsible for setting up the finance and investment function, enterprise resource system as well as core banking system for the Bank as the Head of Finance. Husna started her career in Financial Assurance with EY before moving on to more senior Finance roles in Kuwait Finance House and Danajamin Nasional Berhad. Husna is a Chartered Banker registered with the Asian Institute of Chartered Bankers (AICB). She is also a Chartered Accountant registered with the Malaysian Institute of Certified Public Accountants (MICPA) and Chartered Accountants of Australia &amp; New Zealand (CAANZ). She graduated from the University of New South Wales (UNSW) with a Bachelor of Commerce in Accounting and Finance.

Yvonne Chan

Appointed the Chief Business Banking Officer at AEON Bank (M) Berhad in January 2023, Yvonne Chan brings over 28 years of banking experience to the role.&nbsp;&nbsp;Her career in finance began as a tax accountant in Deloitte Touche USA before the transition to corporate and project finance at AmMerchant Bank. In 2004, she joined Standard Chartered Bank Malaysia to lead its capital markets business. During her time there, she completed numerous notable “first in the market” cross border transactions for both local and international issuers. Upon returning to the AmBank Group in 2016, she assumed a leadership role in relationship management, overseeing the coverage of a diverse portfolio of large and mid-corporate clients across Malaysia, including some of the bank’s largest clients. Yvonne holds a Bachelor of Science in Economics and Accounting from Rutgers University and is also an AICB Chartered Banker.

Aizuddin Danian Izham Cheong

Aizuddin Danian Izham Cheong was appointed Chief Personal Banking Officer of AEON Bank (M) Berhad in November 2024. He is a seasoned banker with over 24 years of experience, specialising in retail banking, digital business, marketing, and transformation management.&nbsp;Prior to joining AEON Bank, Aizuddin served as the Head of Digital Banking, Standard Chartered Bank Malaysia Berhad where his team rolled out several industry firsts in the digital banking and payments space. Aizuddin graduated with a degree in Human Sciences from International Islamic University Malaysia.

Kareena Kaur

Kareena Kaur is the Chief Human Resource Officer at AEON Bank (M) Berhad. Appointed in January 2023, Kareena has spent the last 20 years in the financial services industry, having served variously at local, international, islamic and development financial institutions. Kareena was most recently the Head of Human Capital at Danajamin Nasional Berhad, playing a pivotal role in aligning HR practices with the organisation's long-term growth objectives. Her experience also included positions at Hong Leong Bank Berhad, CIMB Aviva Malaysia Berhad, Kuwait Finance House Berhad and Standard Chartered Bank Berhad. &nbsp;&nbsp;Kareena is legally qualified, practiced law and later undertook a rewarding stint as an editor for a Malaysian law report. Kareena blends her legal background with her extensive experience in HR to contribute to the strategic and people-centric growth of AEON Bank. Kareena holds a Bachelor of Laws (LLB Hons) from the University of London and was admitted to the Malaysian Bar in 1999.

Kirenjeet Kaur  

Kirenjeet Kaur was appointed as the Chief Risk Officer of AEON Bank (M) Berhad in March 2024. Prior to that, she took on the role of Chief Risk and Compliance Officer for the Bank from February 2023. With over 20 years of experience across the industry, Kiren is entrusted to lead the organisation’s risk portfolio, comprising of various aspects of risk management including market, liquidity, capital, credit, operational, fraud, outsourcing and technology risks. &nbsp; Previously, she served as the Chief Risk Officer at Manulife Insurance Berhad, Head of Business Operational Control at AmBank Berhad, and Regional Risk Management Associate Director at AIG Property and Casualty Division, among others.&nbsp;Kiren holds a Bachelor's Degree in Accounting and Financial Analysis from Anglia Polytechnic University, United Kingdom and has earned various certifications, reflecting her commitment towards professional excellence.

Ibrahim Mohd Hasan 

Ibrahim Mohd Hasan assumed the role of Chief Shariah Officer at AEON Bank (M) Berhad in February 2023, with 12 years of experience in Shariah management and Islamic finance.&nbsp;&nbsp;He was previously the Head of Shariah at Standard Chartered Securities (B) Sdn Bhd and has held positions at Maybank Islamic Berhad, contributing to his extensive knowledge in Islamic banking. Ibrahim is a Certified Professional Shariah Auditor as well as a Chartered Islamic Finance Professional (CIFP). Ibrahim has a Bachelor’s Degree in Economics and Islamic Revealed Knowledge and Heritage from the International Islamic University Malaysia (IIUM).

Asharul Huzairi Mohd Mansor

Appointed Chief Compliance Officer at AEON Bank (M) Berhad in March 2024, Asharul Huzairi Mohd Mansor brings with him 29 years of banking, investment, Shariah and compliance experience. Previously, Asharul served as the Head of Product Development at Hong Leong Islamic Bank, before being appointed as the Head of Compliance in 2019. Prior to that, he worked in Bursa, various financial institutions and technology companies, in a variety of roles such as Marketing, Investor Relations, Shariah &amp; Business Advisory and Operations.&nbsp;&nbsp;Asharul holds a Bachelor of Economics from International Islamic University Malaysia, and was awarded the Chartered Professional In Islamic Finance by Chartered Institute of Islamic Finance (CIIF). He also holds the Advance Certification in Compliance awarded by the International Compliance Association in collaboration with the University of Manchester (UK).

Faruq Arif Tajul Ariffin 

Appointed Chief Internal Auditor at AEON Bank (M) Berhad on 19 March 2024, Faruq Arif Tajul Ariffin brings with him over 15 years of experience in the consulting and financial industry. Previously, he served as the Chief Internal Auditor in Al-Rajhi Bank Malaysia, where he managed the full spectrum of internal audit activities, providing objective assurance and assessment on the effectiveness of internal control and governance of the Bank. Prior to that, Faruq was at AmBank Group as the Senior Vice President/Audit Head for Investigation and Shariah Audit.&nbsp;&nbsp;Faruq holds a Master in Islamic Finance from Durham University UK, and is a fellow of the Association of Chartered Certified Accountants (ACCA). Faruq is also a Certified Professional Shariah Auditor issued by the Islamic Banking and Finance Institute Malaysia (IBFIM).

Raymond Tan

Raymond Tan was appointed Chief Operations Officer of AEON Bank (M) Berhad in May 2024, bringing with him over 20 years of experience in banking, management consulting, and retail. A Lean Six Sigma Black Belt, Raymond has a strong track record in operational excellence, customer experience, and strategic transformation.&nbsp;Previously, at Hong Leong Bank Berhad, Raymond played a key role in enhancing customer satisfaction and operational efficiency. His leadership extended to the Strategic Business Transformation and Center of Excellence teams, where he spearheaded digital innovations and strategic restructuring initiatives. His international consulting work across multiple industries has consistently delivered substantial efficiency gains and cost savings. Raymond holds a Bachelor of International Business (Hons) from the University of Malaysia Sabah and completed the Leadership Development Program at INSEAD.

Meet the Team

AEON Bank, Malaysia’s first digital Islamic bank celebrates its second anniversary, anchored on the celebratory theme “2gether Lagi Better”. Activated through a series of customer-centric campaigns and digital offerings, one of the main highlights is an AI-powered&nbsp; financial coach. the in-app feature aptly named&nbsp;Neko Sensei.&nbsp;The Bank’s second anniversary is a clear indicator of its sustained growth and evolving tech capabilities, built on a digital infrastructure, driving it to be a catalyst in the fintech industry. Reflecting on the milestones achieved over the past two years, the Bank continues to capture positive traction in customers' trusts and engagement, signaling that the digital banking sector is fast evolving to meet the everyday lifestyle-integrated banking needs of Malaysians, spanning seamless daily cashless transactions and digital payments, to a differentiated digital banking experience, personalised financial management, as well as&nbsp; hybrid business banking solutions for SMEs and local entrepreneurs.&nbsp;The Significance Behind the 2nd Anniversary Theme of&nbsp;2gether Lagi Better&nbsp;The 2nd anniversary highlights AEON Bank’s 2-year journey and the theme&nbsp;<a href="https://aeonbank.com.my/promotions/2getherlagibetter?utm_source=2ndanniversary&amp;utm_medium=pr">2gether Lagi Better&nbsp;</a>&nbsp;signifies the symbiosis between AEON Bank and its stakeholders across the market, most importantly the customers of&nbsp; both Personal Banking and Business Banking (AEON Bank Biz).&nbsp;&nbsp;The theme affirms that the Bank is growing stronger alongside the community and is here to serve its customers better. In fact, to echo the significance of the 2nd anniversary, everything is conceptualised around the number two, benefits that are twice as rewarding good and doubling the value provided to its active customers.&nbsp;<figure class="image"><img style="aspect-ratio:1080/1350;" src="https://assets.aeonbank.com.my/Neko_Sensei_Public_Launch_1080x1350_1_c2e44f0e30.png?v=1780218793334" alt="Neko Sensei-Public-Launch-1080x1350 (1).png" width="1080" height="1350"></figure>&nbsp;Neko Sensei :&nbsp; AI-Powered In-App Financial Coach &nbsp;Developed to engage customers in gaining smart spending insights and encourage them to be more mindful and proactive with actionable financial management,&nbsp;<a href="https://www.aeonbank.com.my/neko-sensei?utm_source=2ndanniversary&amp;utm_medium=pr">Neko Sensei&nbsp;</a>(ねこ先生)<a href="https://www.aeonbank.com.my/neko-sensei?utm_source=2ndanniversary&amp;utm_medium=pr">&nbsp;</a>is your personal financial coach to help you be more Ringgit savvy, easily accessible via the AEON Bank app.&nbsp;A quantum leap in proactive financial management, Neko Sensei serves&nbsp; as customer’s&nbsp; ‘budget bestie’ or predictive financial co-pilot. Neko Sensei is able to decipher complex financial data or questions into micro-insights that could assist customers to plug financial "leaks", grow your&nbsp; savings and help&nbsp; customers in&nbsp; understanding their spending habits and financial decisions through simplified insights.&nbsp;<a href="https://www.aeonbank.com.my/neko-sensei?utm_source=2ndanniversary&amp;utm_medium=pr">Click here to discover more about Neko Sensei</a>.&nbsp;Leading Capabilities of Neko Sensei&nbsp;<ul><li>Conversational AI Bestie&nbsp;: Powered by advanced natural language processing, customers can simply go to their AEON Bank app and chat with Neko Sensei as they would with a real life financial planner—gaining customized budget plans, instant spending breakdowns, smart cash-flow projections, practical tips on the fly and more.</li></ul>&nbsp;<ul><li>Proactive Wealth Building&nbsp;: Rather than waiting for month-end reports, Neko Sensei dynamically prompts users with real-time financial tips, alerting them to behavioral trends and offering personalized guidance to optimize their savings pots.</li></ul>&nbsp;<ul><li>Inclusive Bilingual Capability&nbsp;:&nbsp; Presented through an intuitive, user-friendly user interface and designed for Malaysia's diverse demographic, the interface supports&nbsp; both English and Bahasa Melayu.</li></ul>&nbsp;The Fusion of Culture and Tech&nbsp;: Neko (Japanese for "cat") is AEON Bank’s iconic brand mascot. By pairing the words Neko with Sensei (meaning a coach, respected guide or knowledgeable&nbsp; mentor), the AEON Bank infuses financial meticulousness and customer-centric user interface.This positions ‘Neko Sensei’ (ねこ先生) as a friendly guiding mentor, rather than a passive system or apathetic financial dashboard.&nbsp;Exciting Gamified Rewards&nbsp; for Ringgit Savvy Customers Via Online Engagement&nbsp;Alongside Neko Sensei, to amplify the&nbsp;<a href="https://aeonbank.com.my/promotions/2getherlagibetter?utm_source=2ndanniversary&amp;utm_medium=pr">2gether Lagi Better</a> theme, AEON Bank is rolling out an interactive campaign, designed to reach out to consumers across Malaysia - no matter where they are, as part of the effort to spur a greater&nbsp;digital banking adoption and encourage daily usage via an interactive, O2O engagement.&nbsp;<img src="https://assets.aeonbank.com.my/Article_Tiktok_LIVE_Cover_76ba9bff36.png?v=1780218919020" alt="Article _ Tiktok LIVE Cover.png">&nbsp;<ul><li>TikTok Live x AEON Bank on 5 and&nbsp; 6 June 2026</li></ul>To double the excitement, AEON Bank will be part of the&nbsp;TikTok Live broadcast on 5 June 2026 (Friday)&nbsp; and 6 June 2026 (Saturday).&nbsp; During the TikTok Live, there will be special appearances by husband and wife duo,&nbsp;<a href="https://www.instagram.com/ansariramlii/">Ansari Ramli&nbsp;</a>and&nbsp;<a href="https://www.instagram.com/yuna_zainal/">Yuna Zainal</a>. Live audiences can redeem special giveaways and promo codes worth RM2,222 in total. Click&nbsp;<a href="https://www.tiktok.com/@aeonbank">HERE</a>&nbsp;to join the TikTok Live x AEON Bank.&nbsp;<ul><li>"The Power of Two" Social Challenge : The Saver and The Spender</li></ul>Encouraging&nbsp; Ringgit savvy&nbsp; financial habits via a social media challenge called The Power of Two : The Saver and The Spender, audiences get to discover tips and tricks on&nbsp; how you don’t have to choose just&nbsp; one because AEON Bank makes it possible to achieve the right&nbsp; balance and find the perfect middle ground between spending and saving.&nbsp;<ul><li>Anniversary Neko Missions : Customers that are familiar with&nbsp;<a href="https://www.aeonbank.com.my/rewards/neko-missions?utm_source=2ndanniversary&amp;utm_medium=pr">Neko Missions,</a>&nbsp;Malaysia’s first gamified digital banking interactive rewards programme will be ultra joyful with the rewards from&nbsp;Decathlon, KFC, Pizza Hut, Boost Juice and more, while those that are new to the Bank will enjoy discovering fun ways to unlock rewards, freebies and value-added benefits when using their AEON Bank x Visa Debit Card-i and DuitNow QR.&nbsp;</li></ul>&nbsp;<ul><li>RM2 Instant Reward : Claim an instant RM2 just by tapping “2getherLagiBetter” and chatting with Neko Sensei! (capped at 20,000 reward)</li></ul>&nbsp;<ul><li>Welcome rewards for new customers : New customers can enjoy 6 months complimentary freemium coverage for AEON Bank x Zurich Takaful Personal Accident when they activate their Saving Account-i, with only RM1 deposit.</li></ul>&nbsp;<ul><li>Personal Financing-i (PF-i)&nbsp;&nbsp;: During this festive&nbsp; and school holiday seasons, customers that are facing some budget constraint and in need of flexible liquidity could apply for the PF-i, a hassle-free option offering financing facility between RM1,000 to RM100,000 with flexible tenure. It is available to Malaysian citizens aged 18 - 55, with a minimum monthly gross income of RM2,500 - be it salaried employees, self-employed individuals, freelancers, as well as gig economy workers. The PF-i application to fund disbursement is all done seamlessly via the AEON Bank app.<a href="https://aeonbank.com.my/financing?utm_source=2ndanniversary&amp;utm_medium=pr">&nbsp;Click here to find out more about PF-i.&nbsp;</a></li></ul>&nbsp;<ul><li>Ustaz, Tolong lah Jawab AI Animation Series : Its a brand new series brought to you by AEON Bank,&nbsp; presented in a&nbsp; friendly ‘Did You Know’ capsule episode, addressing questions and topics on Shariah finance. The first episode will be available 8 June 2026 on AEON Bank’s official&nbsp;<a href="https://www.linkedin.com/company/81519296/admin/dashboard/">Linkedin</a> and&nbsp;<a href="https://www.youtube.com/@AEONBankMY">YouTube</a>.</li></ul>&nbsp;<img src="https://assets.aeonbank.com.my/KV_2nd_Anniversary_Marketing_2_1080x1350px_EDITED_66240e4594.png?v=1780218950256" alt="KV-2nd Anniversary-Marketing-2-1080x1350px-EDITED.png">&nbsp;<img src="https://assets.aeonbank.com.my/KV_2nd_Anniversary_Marketing_1080x1350px_EDITED_8386621a71.png?v=1780218975808" alt="KV-2nd Anniversary-Marketing-1080x1350px-EDITED.png">&nbsp;Growing Your Business with AEON Bank Biz&nbsp;In the recent quarter,&nbsp;<a href="https://www.aeonbank.com.my/business?utm_source=2ndanniversary&amp;utm_medium=pr">AEON Bank Biz</a> has consistently introduced products and services that were developed to enable corporate clients and SMEs in streamlining their operations and maximise profitability.&nbsp;Now, business owners can leverage the&nbsp;<a href="https://www.aeonbank.com.my/business/biz-qr?utm_source=2ndanniversary&amp;utm_medium=pr">Merchant DuitNow QR</a>, with zero setup costs and no transaction fees for a limited period. Bringing excitement to an otherwise ‘Business-as-Usual’ (BAU) functionality, from 11 May to 31 October 2026,&nbsp;AEON Bank Biz x Merchant DuitNow QR Adoption Campaign offers eligible clients a chance to enjoy : will run where eligible clients of AEON Bank Biz can enjoy high-value rewards including :&nbsp;<ul><li>2.88% p.a. promotional profit rate is applicable for eligible clients upon DNQR activation and securing 20 incoming DNQR transactions. Promo profit rate of 2.88% p.a. is applicable in the subsequent month.</li><li>RM188 instant cashback will be applicable upon reaching eligible transactional milestones.</li><li>RM1,888 Grand Prize for the ecosystem's top-performing merchants.</li></ul>&nbsp;In addition to that, another avenue for business enterprises to manage their short-term liquidity with high-yield returns is the&nbsp;<a href="https://www.aeonbank.com.my/business/term-deposit?utm_source=2ndanniversary&amp;utm_medium=pr">Biz Term Deposit i (BTD-i)</a>, in which AEON Bank Biz clients can access the following benefits :&nbsp;<ul><li>High-Yield Competitive Rate : Up to&nbsp;3.20% p.a. profit rates for 90 to 120-day terms.</li><li>Ultra-Short Tenure : Earn&nbsp;3.00% p.a. for placements spanning just 1 to 6 days.</li><li>Flexible End Date :&nbsp; Align placements with business cash flow cycles to better manage liquidity.</li><li>Low Entry Point Threshold : Placement threshold can be as low as&nbsp;RM500.</li><li>PIDM Protected Deposit : The deposit is fully protected by PIDM up to RM250,000.</li></ul>&nbsp;<img src="https://assets.aeonbank.com.my/AEON_Bank_Biz_DNQR_Campaign_ENG_FA_64b927830f.png?v=1780219005451" alt="AEON Bank Biz DNQR Campaign - ENG (FA).png">&nbsp;Digital Banking Built for a Sustainable Long Run Since its official launch in 2024, AEON Bank has continued to supercharge its tech infrastructure and digital capabilities, while growing its personal banking and business banking segments and strategically driving customer adoption and further developing its ecosystem.&nbsp;&nbsp;By integrating its cloud native agility and AI optimisation with the strength of its Shariah DNA and Malaysian tenacity, AEON Bank is uniquely positioned to provide a&nbsp;#BetterBanking experience. The bank is committed to empower the community to pursue their financial aspirations,&nbsp; cultivate a more inclusive financial future for all and&nbsp; accelerate the growth of the region’s digital economy. For eligible deposit-based products under AEON Bank and AEON Bank Biz, such as the Savings Account-i, Savings Pot, Term Deposit-i, Business Current Account-i and Biz Term Deposit-i, the deposits are protected up to RM250,000 per depositor. AEON Bank is a member of Perbadanan Insurans Deposit Malaysia (PIDM) and the deposit protection is automatic and free. To read further, click&nbsp;<a href="https://assets.aeonbank.com.my/Pi_DM_Brochure_19e9b8d10f.pdf?_gl=1*1fdfj7p*_gcl_au*MTU0ODQ0ODAzLjE3NzI0MDcyODM">HERE</a>.&nbsp;To explore the anniversary campaigns and promotions,&nbsp;<a href="https://aeonbank.com.my/promotions/2getherlagibetter?utm_source=2ndanniversary&amp;utm_medium=pr">click to browse the AEON Bank website</a>,&nbsp; or discover more about&nbsp;<a href="https://www.aeonbank.com.my/business?utm_source=2ndanniversary&amp;utm_medium=pr">AEON Bank Biz here</a>.&nbsp;&nbsp;Feel free to :&nbsp;<ul><li>Click on this <a href="https://aeonbank.onelink.me/w3OD/r3fnf6an">LINK</a> to download the AEON Bank app to enjoy a better banking experience.&nbsp;</li><li>Follow AEON Bank on social media and browse our <a href="https://www.linkedin.com/company/aeonbankmy/">LinkedIn page here</a>.&nbsp;</li></ul>

A Differentiated Digital Offerings and Better Banking Experience Through Ecosystem-wide Rewards and AI-Optimised Features for 
Personal Banking Customers and AEON Bank Biz Clients


From Cloud Native Innovator to Fintech Catalyst :  AEON Bank Highlights AI Neko Sensei During  2nd Anniversary Celebration

AEON Bank (M) Berhad, Malaysia’s first digital Islamic bank has officially announced the appointment of Mohammad Ridzuan Abdul Aziz as the new Chief Executive Officer (CEO), effective 22 May 2026.&nbsp;Prior to this, Ridzuan served as the Independent Non-Executive Director of AEON Bank from February 2023 until February 2026, and effective 1 April 2026, he was appointed as AEON Bank’s Officer-in-Charge. Since the Bank’s pre-ORR (Operational Readiness Review) and pre-launch phase until now, Ridzuan has been instrumental to AEON Bank’s digital banking journey.&nbsp;An entrepreneurial leader with three decades of experience across the industry, including financial tech, digital investment, insuretech, market regulations and compliance governance, Ridzuan is also the co-founder of multiple fintech companies. Throughout his career, he has served in various roles, including with the Bursa Malaysia and Securities Commission Malaysia. He is currently an Advisory Board Member of the Fintech Association of Malaysia, Independent Non-Executive Director of the Malaysian Rating Corporation (MARC) and Industry Advisory Panel of several universities in Malaysia. Previously, he was a government-appointed member of the Malaysia Innovation Policy Council (MIPC) and an Independent Non-Executive Director of DearTime Berhad.&nbsp;AEON Bank’s Board of Directors are optimistic about Ridzuan’s business stewardship and strategic capability in leading the Bank, citing his diverse background in corporate finance, regulatory compliance, risk governance, cybersecurity, anti-money laundering (AML), counter-terrorism financing (CTF), e-KYC, e-KYB, client due diligence (CDD), as well as fintech and regtech sandbox frameworks. &nbsp;The Board also expressed their appreciation of the former CEO, YM Raja Datin Paduka Teh Maimunah Raja Abdul Aziz for her leadership during the Bank’s foundational first two years and her role in launching and establishing AEON Bank as the first digital Shariah-compliant bank in Malaysia. Anchored by his robust vision for the future of digital banking, Ridzuan is set to lead the Bank’s next phase of growth, accelerating its commitment in providing accessible financial solutions, while cultivating a more inclusive financial future for all. AEON Bank will continue to contribute towards fostering the development of the nation’s digital economy and fintech industry across the region.

AEON Bank (M) Berhad, Malaysia’s first digital Islamic bank has officially announced the appointment of Mohammad Ridzuan Abdul Aziz as the new Chief Executive Officer (CEO), effective 22 May 2026.

AEON Bank Accelerates Next Phase of Growth With New CEO

Building Malaysia's first digital Islamic bank has been a remarkable journey for all of us here at AEON Bank. Moreover, we recognise that what we do adds value to the lives of Malaysians while contributing to the transformation of the banking and fintech ecosystem. The mission to continuously offer a better banking experience for both Personal Banking and Business Banking customers was reflected meaningfully when AEON Bank was crowned with the&nbsp;Best Islamic Digital Offering by a Bank (Malaysia)&nbsp;at the prestigious&nbsp;Islamic Finance News (IFN) Awards, marking another meaningful milestone&nbsp;as the Bank approaches its second anniversary since launching in May 2024.&nbsp;The first awards ceremony was held by IFN in Kuala Lumpur on 22 April 2026, while another one will take place in Dubai soon.&nbsp;The recognition builds on AEON Bank’s achievement, where it previously took home two accolades at the IFN Awards last year –&nbsp; Best Islamic Digital Bank (Global)&nbsp;and&nbsp;Best Islamic Digital Offering by a Bank (Malaysia).&nbsp;Now in its 21 year running, the IFN Awards are widely regarded as a benchmark of excellence in the global Islamic finance industry. For the recent edition, the IFN Awards’ Best Bank Poll spans across 13 global categories and 37 country markets, including the Middle East, parts of Europe, Africa and Asia, including Malaysia, with winners determined through votes cast by IFN members, peers and the larger public.&nbsp;Over the past two years, the Bank has introduced a suite of Personal Banking products and services, including the Savings Account-i, AEON Bank x Visa Debit Card-i, Personal Financing-i, Term Deposit-i, Savings Pot, alongside digital payment services such as DuitNow QR, JomPay, utility bill payments, and integrated services like Zakat and Takaful. Beyond everyday banking and transactional digital payment, customers also benefit from budgeting tools and Neko Missions, Malaysia’s first gamified digital banking rewards programme. These innovations are built around real life financial needs, thus helping customers to manage their finances with greater ease.&nbsp; Meanwhile, for AEON Bank Biz, SMEs and local entrepreneurs are able to transform their businesses with the integrated cash management capabilities via Business Current Account-i, Biz Term Deposit-i, Merchant QR, and more inclusive and accessible products and services in the pipeline, making it possible for more entrepreneurs to grow their businesses. AEON Bank Biz offers streamlined processes for account onboarding, credit assessments and financial services, utilising AI-driven fintech solutions to enable simplified procedures, faster approvals, and an enhanced digital banking experience for SMEs and local entrepreneurs.&nbsp;AEON Bank’s approach has always been anchored in combining technology with purpose, leveraging its cloud native, AI-powered infrastructure, and Shariah&nbsp;DNA to deliver accessible financial solutions for Malaysians, while empowering communities in achieving greater financial independence.&nbsp;&nbsp;Looking ahead, the Bank remains focused on strengthening its digital banking ecosystem, continuously growing our accessible, Shariah-intuitive offerings and providing a better banking experience for Malaysians, while contributing towards the growth of the nation’s digital economy and positioning Malaysia as the Islamic banking hub in the region.&nbsp;Also, feel free to :&nbsp;<ul><li>Click on this&nbsp;<a href="https://aeonbank.onelink.me/w3OD/r3fnf6an">LINK</a> to download the AEON Bank app to enjoy a better banking experience.</li><li>Go to the website’s homepage and explore more :<a href="https://www.aeonbank.com.my/">&nbsp;https://www.aeonbank.com.my</a>&nbsp;&nbsp;</li><li>Browse our LinkedIn page :&nbsp;<a href="https://www.linkedin.com/company/aeonbankmy/">https://www.linkedin.com/company/aeonbankmy/</a></li></ul>

Building Malaysia's first digital Islamic bank has been a remarkable journey for all of us here at AEON Bank. Moreover, we recognise that what we do adds value to the lives of Malaysians while contributing to the transformation of the banking and fintech ecosystem.