Poket BisnesMSME Financial Command Center
All-in-one Shariah-compliant financial management and intelligence platform for MSMEs. Transform complex regulatory and financials into a gamified and AI-driven experience.
The AI Intelligence Hub: Your Virtual Board
Poket Bisnes isn't just a dashboard — it's a multi-agent ecosystem designed to give you specialized intelligence for every facet of your enterprise.
Akauntan AI
(CFO Pocket)
Real-time Answers: Provides instant, plain-English insights on profit, cash flow, and tax based on actual synced data.
- Instant P&L insights
- Cash flow analysis
- Tax guidance
Financial Analyst
(Growth Intelligence)
Margin Leakage Tracking: Deep dives into profitability trends, horizontal analysis, and strategic growth projections.
- Margin leakage tracking
- Horizontal analysis
- Growth projections
AI Business Coach
(Shariah-Compliant Scaling)
Focuses on leadership, marketing, and ethical scale-up strategies to bring barakah to your business.
- Leadership coaching
- Halal marketing strategy
- Ethical business scaling
Core Modules & Offerings
Everything your MSME needs — from Shariah compliance to financial operations and beyond.
Compliance & Shariah
Compliance Journey
Gamified regulatory roadmap (SSM, Halal cert, CIDB) with progress tracking & regional leaderboards
Zakat Management
Automated 2.5% business zakat assessment on cash/assets with real-time tracking
Islamic Financing
Marketplace for Shariah-compliant products with Eligibility Meter for Murabaha & Ijarah
Halal Suppliers
Verified directory for Shariah-compliant sourcing and supply chain vetting
Financial Operations
Payroll & Gaji
One-click payroll with automated EPF, SOCSO, EIS, and PCB calculations plus bank export support
Invoices & Billing
Professional invoicing with LHDN e-Invoicing readiness and automated AR aging alerts
Financial Reports
Real-time P&L, Balance Sheet, and Cash Flow statements
Operations Hub
Branch Management
Centralized control for multi-location businesses, tracking performance across all outlets
Inventory Control
Intelligent stock monitoring and restocking alerts to prevent supply chain bottlenecks
Order Fulfillment
End-to-end management from quotation and orders to delivery and final invoices
CRM (Customers)
Integrated customer database to track relationships, lifetime value, and payment history
Comprehensive MSME Solutions
From credit profiling to embedded finance, we offer complete Shariah-compliant solutions tailored for Malaysian MSMEs.
Core Business Features
eKYB & Document Recognition
Digital onboarding using OCR to extract data from invoices and transaction reports
- OCR technology
- Digital onboarding
- Data extraction
Transactional Behavior Engine
Analyzes alternative data from e-wallets, QR payments, and e-commerce sales
- Alternative data analysis
- Creditworthiness assessment
- Non-traditional metrics
Segmented Credit Models
Risk tiers (Grade 1-7) for tailored Islamic financing solutions
- Risk-based pricing
- Tailored financing
- Growth assessment
Gamified Learning
Incentivized financial literacy with badges and preferential rates
- Interactive workshops
- Progress tracking
- Reward system
Payroll Module
Auto-calculates wages, deductions, and Zakat contributions
- Automated calculations
- LHDN compliance
- Zakat integration
E-Invoicing System
Generates auto-invoices and syncs with tax authorities
- Auto-invoicing
- Tax compliance
- Digital records
Ecosystem Integrations
E-commerce Integration
Embedded financing for platforms like Shopee and Lazada
- BNPL solutions
- Murabaha contracts
- Seamless integration
API Partnerships
Connect with multiple platforms for embedded Islamic finance
- Open APIs
- Third-party integration
- Scalable solutions
Halal Monitoring
AI flags non-compliant transactions automatically
- Real-time monitoring
- Compliance alerts
- Risk management
Zakat Automation
Auto-calculates and disburses Zakat from profits
- Auto-calculation
- Timely disbursement
- Transparency
Why Choose Poket Bisnes?
Experience the difference with our comprehensive AI-driven platform that puts Islamic principles first for MSMEs.
Feature Comparison
Traditional vs Poket AI
Credit Profiling
Key comparison point
Traditional Bank Assessment
Manual document review, limited data sources, lengthy approval process
MSMEs struggle with complex documentation and long waiting times
AI-Powered Credit Profiling
eKYB & document recognition, alternative data analysis, instant scoring
Get credit assessment in minutes using non-traditional data sources
Financial Literacy
Key comparison point
Basic Workshops
Generic training sessions, no personalization, limited engagement
MSMEs lack targeted financial education for their specific needs
Gamified Learning Platform
Adaptive learning engine, interactive workshops, growth readiness tracking
Master Islamic finance through personalized, reward-based learning
Business Operations
Key comparison point
Manual Processes
Separate systems for payroll, invoicing, payments, tax compliance
Time-consuming manual processes with high error rates
Integrated Business Hub
Automated payroll, e-invoicing, payment scheduling, LHDN compliance
Streamline all business operations in one Shariah-compliant platform
Islamic Compliance
Key comparison point
Manual Verification
Self-monitoring for Shariah compliance, risk of non-compliance
Uncertain about Islamic principles and transaction monitoring
AI Compliance Monitoring
Halal transaction monitoring, auto Zakat calculation, PLS models
Automatic Shariah compliance with AI-powered monitoring
Financing Access
Key comparison point
Limited Options
Few Islamic financing products, rigid eligibility criteria
Struggle to find suitable Islamic financing for MSME needs
Segmented Islamic Financing
Risk-tiered models (Grade 1-7), Murabaha, Musharakah, Mudarabah
Access tailored Islamic financing based on your business profile
Customer Support
Key comparison point
Limited Support Hours
Branch visits required, long response times, basic assistance
Wait for business hours to get help with complex financial queries
AI Bank Coach Companion
Shariah-compliant Gen-AI chatbot, 24/7 support, personalized guidance
Get instant answers to Islamic finance questions anytime
Overall Experience
User satisfaction & efficiency
Limited functionality
Exceptional experience
10x Faster
AI-powered credit profiling in minutes
100% Halal
Shariah-compliant business solutions
480K+ MSMEs
Serving Malaysian businesses
Ready to Transform Your MSME?
Join thousands of Malaysian MSMEs using AI-powered Shariah-compliant solutions to grow their businesses.