CapitalEyes capital markets news headlines
Do you know? Budget 2027 considerationsA death-benefits tax would apply to life insurance or takaful proceeds paid after the policyholder’s death, rather than taxing the policyholder during life. Ordinary protection could be exempted, for example, the first RM250,000 per beneficiary or a defined amount per family. A low progressive rate could be imposed on the…
Do you know? Open FinanceEncryption converts customer information into unreadable data while it is stored or transmitted, protecting it if communications or databases are intercepted. Tokenisation replaces sensitive information—such as an account or card number—with a substitute token, while the original value is kept in a separately protected system. Together with secure key management, access…
Do you know? Open FinanceUnder zero trust, banks assume that every user, device, application and network connection could be compromised, so access is continuously verified rather than automatically trusted. Employees, vendors and applications receive only the minimum access needed for a specific task, while sensitive systems are separated through network segmentation and privileged-access controls. Consequently,…
Do you know? Open FinanceBanks require more than a password by using combinations of passwords, device verification, biometrics, one-time codes, and authentication applications. For higher-risk actions—such as adding a beneficiary, changing contact details, or making a large transfer—banks may require transaction-specific approval, which confirms the exact amount and recipient. These controls help counter AI-generated phishing,…
Do you know? Open FinanceOpen Finance can give customers a more complete view of their financial position, enable more personalised services, simplify product comparisons, speed up loan assessments, and increase competition among financial providers. However, it also increases the importance of privacy, cybersecurity, and consent management because financial information may flow between more institutions and…
Do you know? Open FinanceOpen Finance is a framework that allows customers to give authorised financial institutions or third-party providers permission to access and share their financial information securely. It extends open banking beyond bank accounts and payments to areas such as lending, investments, insurance, and wealth management. In Malaysia, Bank Negara Malaysia’s proposed framework…
Do you know? BlockchainValidators are the network participants in proof‑of‑stake blockchains (like Ethereum) who secure the chain by proposing new blocks of transactions and attesting that other validators’ blocks are valid. To become a validator, a user locks up (stakes) a required amount of the native token as collateral; the protocol then randomly selects validators,…
Do you know? BlockchainMiners are the network participants in proof‑of‑work blockchains (like Bitcoin) who secure the chain by competing to solve cryptographic puzzles and, when successful, proposing new blocks of transactions. To mine, a participant invests in specialised hardware and electricity to perform vast numbers of hash computations; the protocol awards the right to create…
Do you know? BlockchainTogether, these designs shape how users experience transactions. On UTXO chains like Bitcoin, wallets must manage and sometimes consolidate many small UTXOs, and fees depend heavily on transaction size in bytes. On account-based chains like Ethereum, users see a simple balance and pay gas that reflects computational work and network demand, while…
Do you know? BlockchainAccount model: By contrast, Ethereum and most modern smart‑contract chains use a model which resembles a bank ledger or database. Each address has a stored balance, and the network maintains a global state of all account balances and contract data. When you send 1 ETH, the protocol directly subtracts 1 ETH plus…