Association of Digital Lenders (AoDL)
Established in May 2025, the Association of Digital Lenders (AoDL) is a national, industry-focused, non-profit organisation registered under the Jabatan Pendaftaran Pertubuhan Malaysia (Registrar of Societies). All companies licensed under the Kementerian Perumahan dan Kerajaan Tempatan (KPKT) as moneylenders are eligible to apply for membership with AoDL.
Core Principles of AoDL
AoDL is founded on the following guiding principles:
- Regulatory Alignment and Governance
Uphold the Federal Constitution and comply with national economic and financial policies; promote self-regulation, protect member rights and foster strong government-industry communication in accordance with the law. - Fair Competition
Safeguard and encourage fair and transparent competition across the credit and lending ecosystem. - Sustainable Industry Growth
Advocate for the responsible and healthy development of credit providers across the nation.
Vision for Digital Transformation
- In recognition of the growing integration between financial services and digital technology, AoDL positions digitalisation as a cornerstone of future growth and resilience. The association actively fosters:
- Fintech-Driven Collaboration
- Leveraging fintech solutions for seamless information exchange, knowledge-sharing, and business cooperation among members.
- Credit Risk Supervision Mechanisms
- AoDL has implemented a member-accessible platform to share a list of blacklisted customers. This initiative helps mitigate credit losses and strengthens risk monitoring practices among members, enhancing collective credit vigilance.