Kuala Lumpur, Malaysia

Muhammad Zubir Jamalullail

Fintech strategist with 20+ years across digital payments, cash management, and banking transformation. From pioneering JomPAY's Shariah-compliant framework to supporting MyDigital ID integration and Open Payment System initiatives, I enjoy building bridges between business, technology, and customer experience.

Get in Touch Blog GitHub

Career Highlights

Milestones at a Glance

2025
Led MyDigital ID (SSO) integration for Prasarana's online platforms

2025
Appointed VP to lead Open Payment System for Rapid Rail & Rapid Bus

2022
Automated BNM staff compliance — asset declarations & code of conduct attestation

2020
Led CIB upgrade for Bank Rakyat's Core Banking (CoBRa) migration

2018
Pioneered Malaysia's first app-based MFA for corporate banking, endorsed by BNM

2017
Launched i-bizRAKYAT, an Islamic corporate internet banking (CIB) platform for cooperatives

2014
Spearheaded JomPAY (NBPS), set Shariah-compliant biller code benchmark for Islamic banks

2008
Implemented cheque outsourcing solution for the Takaful industry.

Experience

Professional Journey

Prasarana Malaysia Berhad Sep 2025 – Present

Vice President, Open Payment System · Group Digital

Leading strategic initiatives relating to Open Payment Systems and digital identity integration within Malaysia's public transport ecosystem.

Bank Negara Malaysia Sep 2022 – Aug 2025

Manager / Business Analyst · Business Technology Department

Delivered digital transformation initiatives across compliance, governance, and sector-facing technology programmes.

Bank Kerjasama Rakyat Malaysia Jan 2015 – Aug 2022

Assistant Manager · Cash Management & Digital Business

Contributed to major digital banking initiatives spanning corporate internet banking, cash management, authentication services, and payment systems.

Bank Islam Malaysia Berhad Nov 2013 – Dec 2014

Cash Management & eChannels · Product Development

Participated in the implementation of JomPAY and digital payment capabilities for retail and corporate banking.

Earlier Career · 2005–2013

Held progressively impactful roles at Al Rajhi Banking & Investment Corporation (Product Manager, Cash Management) and Malayan Banking Berhad / Maybank (Maybank2e Product Implementation Officer). Key achievements: cheque outsourcing for Malaysia's largest Takaful operator (50,000 cheques), rolling out RENTAS and GIRO modules, and implementing Cash Management solutions for Tenaga Nasional Berhad, Genting Highlands, and McDonald's Malaysia.

Core Competencies

Skills & Expertise

Payments & Fintech

Open Payment Systems JomPAY / NBPS DuitNow FPX Open Banking Cash Management ISO 20022 Islamic Finance

Product & Technology

Product Management Digital Transformation Corporate Internet Banking MFA / SSO API Integration SDLC Generative AI M365 Copilot Model Context Protocol (MCP)

Delivery & Governance

Agile / Scrum Project Management Stakeholder Management Regulatory Compliance Fintech Strategy

Education & Development

Credentials

Diploma in Information Technology

Politeknik Ungku Omar, Ipoh

2001 – 2004

Professional Scrum Product Owner I (PSPO-I)

Scrum.org

Jun 2023

Google Gemini Certified Educator

Google

Sep 2025

Generative AI for Educators with Gemini

Google Gemini

Sep 2025

Microsoft Power BI (Basic)

Microsoft

May 2025

Fundamentals of Cloud Computing

Professional Development

Dec 2022

Design Thinking

Professional Development

Jun 2023

AWS Builder Online Training

Amazon Web Services

Jan 2021

Community, Open Source & AI

Beyond the Day Job

Co-founder of the Home Assistant Malaysia community, now with more than 3,800 members.

Appointed as a Language Leader for Project Assist, supporting Malay-language voice assistant initiatives within the Home Assistant ecosystem.

Develop and maintain open-source integrations and AI-enabled projects, including eSolat MCP, which enables AI agents to access Malaysian prayer time data through the Model Context Protocol (MCP).

I also share tutorials, technical write-ups and automation projects through GitHub and zubir.tech.