Momentum
Momentum
How we automated$140M+ USD in financing without adding headcount."
Summary
Momentum is a strategic reimagining of the imSME platform, originally developed for Credit Guarantee Corporation (CGC) during my tenure at Cloud Kinetics.
Client / Context
CGC (via Cloud Kinetics)
Project Type
Financial Infrastructure & Strategic Vision
Role
Principal Product Designer
Status
Shipped Product (imSME) &
North Star Concept (Momentum)
While the shipped product (imSME) successfully served 225k+ visitors under strict GLC guidelines, Momentum represents the "Ideal State"—an evolution of the design system that retains the core business logic but applies international fintech standards to maximize user trust and efficiency.
+185%
Growth in Qualified Conversions
(Scaled advisory intake & referral cases from 2,709 to 7,721 YoY)
550%
Operational Efficiency Scale
(Achieved via iDA AI automation without adding support headcount)
99%
Same-Day Approval SLA
(Portfolio Guarantees processed in <24 hours via custom API gateway)
$140M+
USD Annual Approved Financing
(Facilitated in 2024; up 16.9x YoY from $8.0M USD in 2023)
Key Outcome
99% Same-Day Processing
(Portfolio Guarantees handled in <24hrs).
16.9x Volume Expansion
(vs RM36.9M in 2023).
Impact
34.4% Cost-to-Income Ratio
(Reduced OpEx by eliminating manual friction).
7.33x Increase in Enquiry-to-Referrals (22,000+ Cases).
The Challenge
The Friction was Costing Millions.The original platform was leaking leads. 20+ pages of forms and opaque processes meant 75% of qualified SMEs dropped off before completion. Every drop-off was lost revenue and wasted marketing budget.
Key Challenges
Information Overload
Original application required navigating 20+ pages of confusing paperwork.
Trust Deficit
SMEs feared data leaks and lacked confidence in digital-only banking.
Decision Paralysis
Faced with too many banking products, users didn't know which one fit their business size.
Low Interest Financing
The Solution
I didn't just redesign the UI. I engineered a Conversion Engine. Instead of just 'making it pretty', we restructured the entire application logic based on Unit Economics. We replaced manual checks with algorithmic matching, reducing the operational cost per application to near zero.
Role & Approach
As the Product Designer Lead, I moved beyond just "drawing screens." I led the negotiation between Bank Stakeholders and User Needs. My process was to take complex banking requirements and translate them into a clear, jargon-free interface, ensuring that even as business needs shifted, the final design remained simple and trustworthy.
Approach
Solving The "Black Box" Anxiety
Bridging the gap between Bank Processes and User Expectations.
The Progress Anxiety /
User Pain
“How is my application by the way?”
“I applied 2 weeks ago. Is my application lost? Is anyone even looking at it?”
Solution
Transparent Milestone Tracking.
A visual timeline showing exactly where the application sits in the banking pipeline.
The Rejection Confusion /
User Pain
“I’ve no idea on why it has been rejected.”
“I got rejected but I don't know why. I'll never apply here again.”
Solution
Constructive Feedback Loop.
Actionable insights explaining why a rejection happened and how to fix it (e.g., "Missing Tax Docs").
The Choice Paralysis /
User Pain
“There’re a lot.
Which should I go for?”
"There are 20 banks.
I don't know which one fits my business size."
Solution
Algorithmic Matching.
Instead of a generic list, the system recommends the top 3 banks based on revenue and industry data.
Built for Scale
A modular system allowing 20+ partner banks to integrate seamlessly. A robust and scalable design system was established in Figma to ensure consistency covering everything from typography to interactive components.
Design Foundations
A clear system of colors, typography, and spacing was defined to create a cohesive and professional visual language for the entire platform.
Reusable Components
Key UI elements, like the application stepper, were built as flexible components with multiple states to ensure a consistent user experience across complex flows.
The Workflow
The project was organized with a clear page structure in Figma, separating the design system, wireframes, and final screens to create an efficient workflow for design and developer handoff.
CGC Digital completed the imSME beta version in November 2023, and the actual migration and technology refresh was successfully done on 31 March 2024.
Source: CGC Annual Report 2023
Document: CGC_AR2023.pdf, page 135, under section “Outlook and Prospects”.
Navigating Constraints:
The Evolution
Product design is a balance between idealistic vision and stakeholder reality. Here is how the design evolved through different strategic phases.
The Original Concept (Exploration) /
Context
The initial "Blue Sky" exploration focused on gamification and a younger, startup-centric vibe.
Verdict
Too casual for traditional banking partners.
The Client Release
(Shipped Ver.) /
Context
The live version (imSME) adjusted for strict GLC (Government Linked Company) constraints and legacy branding requirements, serving 225k+ users annually.
Verdict
Functional and compliant, but visually conservative.
Momentum
(The Strategic Vision) /
Context
The "Ideal State" design. It retains the core logic of the shipped product but applies a modern, international Fintech aesthetic (cleaner, sharper, removing cognitive load).
Verdict
The direction for the future.
Validated by CGC's Integrated
Annual Report 2024.
Business Impact:
Unit Economics Logic
The Impact
I shifted the strategy from "vanity metrics" to "operational efficiency". The goal was to ensure every pixel reduces the cost of customer acquisition (CAC).
The Result: 550% Efficiency Scale. We scaled the platform's capacity to handle 18,631 interactions without hiring a single new support staff. This is what 'Design ROI' looks like.
+185%
Growth in Qualified Leads.
(Advisory cases increased from 2,709 to 7,721 YoY)
550%
Operational Capacity Increase.
Achieved via "Digital Assistant" logic, handling 18,631 interactions automatically.
RM 626M
(approx. $140M USD).
Total Value of Financing Opportunities Facilitated.
Validating the platform as a
primary financial inclusion
channel for the nation.
More Key Outcome & Impact
Reduced processing time from 2 Weeks → 2 Days. Transformed a legacy manual application process into a self-service digital ecosystem, contributing to a RM 626M ($140M USD) financing pipeline.
Engineered an API-first underwriting gateway (Maybank/AmBank <10s auto-approval) and deployed iDA AI assistant (18,631 Live Chat interactions across 7,066 users) to achieve 99% 1-day TAT.
From "Traffic" to "Transaction". Driven +185% growth in qualified conversions while reducing the manual advisory workload through intelligent automation.
Empirical Retention Baseline:
Longitudinal monitoring following Q2 2025 system adjustments showed visit growth stabilizing (+10k net visits across Q3 2025 vs. 18k+ monthly in 2024). This comparative dataset empirically underscores the efficacy of the automated API intake funnel and iDA conversational loops in maintaining peak acquisition velocity.
Total Enquiries Received, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Governance.pdf, page 18, under Section “III. RELATIONSHIP WITH CUSTOMERS”.
Number of Financial Advisory Provided, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Key_Highlights, page 1, under Section “Business”.
imSME Total Visitors & Total Approved Financing 2024.
Source: CGC Annual Report 2024.
Document: CGC_IR2024_Key_Highlights.pdf, Page 2, under Section “PILLAR 1: Sustainable Solutions”.
Total Enquiries Received, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Governance.pdf, page 18, under Section “III. RELATIONSHIP WITH CUSTOMERS”.
Number of Financial Advisory Provided, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Key_Highlights, page 1, under Section “Business”.
imSME Total Visitors & Total Approved Financing 2024.
Source: CGC Annual Report 2024.
Document: CGC_IR2024_Key_Highlights.pdf, Page 2, under Section “PILLAR 1: Sustainable Solutions”.
Total Enquiries Received, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Governance.pdf, page 18, under Section “III. RELATIONSHIP WITH CUSTOMERS”.
Disclaimer
This case study reflects the strategic UX architecture deployed during my tenure (July 2023 – Jan 2025). Data cited corresponds strictly to the 2024 Audited Financial Year during which my design framework was active.
Out of CGC Group's total RM 4.0B annual guarantees, the re-architected imSME SaaS portal directly processed RM 626.1M ($140M+ USD) in digital approvals—scaling digital channel contribution by 16.9x YoY.
Note on Data Reconciliation: The $140M+ USD (RM 626.1M) figure represents total platform-wide approved financing in 2024. Certain sub-reports cite RM 9.2M, which exclusively covers a specific green/sustainable financing product under the imSME suite.
Copyright © 2026
Momentum
How we automated $140M+ USD in financing without adding headcount."
Summary
Momentum is a strategic reimagining of the imSME platform, originally developed for Credit Guarantee Corporation (CGC) during my tenure at Cloud Kinetics.
Client / Context
CGC (via Cloud Kinetics)
Project Type
Financial Infrastructure & Strategic Vision
Role
Principal Product Designer
Status
Shipped Product (imSME) & North Star Concept (Momentum)
While the shipped product (imSME) successfully served 225k+ visitors under strict GLC guidelines, Momentum represents the "Ideal State"—an evolution of the design system that retains the core business logic but applies international fintech standards to maximize user trust and efficiency.
+185%
Growth in Qualified Conversions
(Scaled advisory intake & referral cases
from 2,709 to 7,721 YoY)
550%
Operational Efficiency Scale
(Achieved via iDA AI automation
without adding support headcount)
99%
Same-Day Approval SLA
(Portfolio Guarantees processed in
<24 hours via custom API gateway)
$140M+
USD Annual Approved Financing
(Facilitated in 2024; up 16.9x YoY
from $8.0M USD in 2023)
Key Outcome
99% Same-Day Processing
(Portfolio Guarantees handled in <24hrs).
16.9x Volume Expansion
(vs RM36.9M in 2023).
Impact
34.4% Cost-to-Income Ratio
(Reduced OpEx by eliminating manual friction).
7.33x Increase in Enquiry-to-Referrals
(22,000+ Cases).
The Challenge
The Friction was Costing Millions.The original platform was leaking leads. 20+ pages of forms and opaque processes meant 75% of qualified SMEs dropped off before completion. Every drop-off was lost revenue and wasted marketing budget.
Key Challenges
Information Overload
Original application required navigating 20+ pages of confusing paperwork.
Trust Deficit
SMEs feared data leaks and lacked confidence in digital-only banking.
Decision Paralysis
Faced with too many banking products, users didn't know which one fit their business size.
Low Interest Financing
The Solution
I didn't just redesign the UI. I engineered a Conversion Engine. Instead of just 'making it pretty', we restructured the entire application logic based on Unit Economics. We replaced manual checks with algorithmic matching, reducing the operational cost per application to near zero.
Role & Approach
As the Product Designer Lead, I moved beyond just "drawing screens." I led the negotiation between Bank Stakeholders and User Needs. My process was to take complex banking requirements and translate them into a clear, jargon-free interface, ensuring that even as business needs shifted, the final design remained simple and trustworthy.
Approach
Solving The "Black Box" Anxiety
Bridging the gap between Bank Processes and User Expectations.
The Progress Anxiety /
User Pain
“How is my application by the way?”
“I applied 2 weeks ago. Is my application lost?
Is anyone even looking at it?”
Solution
Transparent Milestone Tracking.
A visual timeline showing exactly where the application sits in the banking pipeline.
The Rejection Confusion /
User Pain
“I’ve no idea on why it has been rejected.”
“I got rejected but I don't know why. I'll never apply here again.”
Solution
Constructive Feedback Loop.
Actionable insights explaining why a rejection happened and how to fix it (e.g., "Missing Tax Docs").
The Choice Paralysis /
User Pain
“There’re a lot. Which should I go for?”
"There are 20 banks.
I don't know which one fits my business size."
Solution
Algorithmic Matching.
Instead of a generic list, the system recommends the top 3 banks based on revenue and industry data.
Built for Scale
A modular system allowing 20+ partner banks to integrate seamlessly. A robust and scalable design system was established in Figma to ensure consistency covering everything from typography to interactive components.
Design Foundations
A clear system of colors, typography, and spacing was defined to create a cohesive and professional visual language for the entire platform.
Reusable Components
Key UI elements, like the application stepper, were built as flexible components with multiple states to ensure a consistent user experience across complex flows.
The Workflow
The project was organized with a clear page structure in Figma, separating the design system, wireframes, and final screens to create an efficient workflow for design and developer handoff.
CGC Digital completed the imSME beta version in November 2023, and the actual migration and technology refresh was successfully done on 31 March 2024.
Source: CGC Annual Report 2023
Document: CGC_AR2023.pdf, page 135, under section “Outlook and Prospects”.
Navigating Constraints:
The Evolution
Product design is a balance between idealistic vision and stakeholder reality. Here is how the design evolved through different strategic phases.
The Original Concept (Exploration) /
Context
The initial "Blue Sky" exploration focused on gamification and a younger, startup-centric vibe.
Verdict
Too casual for traditional banking partners.
The Client Release (Shipped Ver.) /
Context
The live version (imSME) adjusted for strict GLC (Government Linked Company) constraints and legacy branding requirements, serving 225k+ users annually.
Verdict
Functional and compliant, but visually conservative.
Momentum (The Strategic Vision) /
Context
The "Ideal State" design. It retains the core logic of the shipped product but applies a modern, international Fintech aesthetic (cleaner, sharper, removing cognitive load).
Verdict
The direction for the future.
Validated by CGC's Integrated Annual Report 2024.
Business Impact:
Unit Economics Logic
The Impact
I shifted the strategy from "vanity metrics" to "operational efficiency". The goal was to ensure every pixel reduces the cost of customer acquisition (CAC).
The Result: 550% Efficiency Scale. We scaled the platform's capacity to handle 18,631 interactions without hiringa single new support staff. This is what 'Design ROI' looks like.
+185%
Growth in Qualified Leads.
(Advisory cases increased from 2,709 to 7,721 YoY)
550%
Operational Capacity Increase.
Achieved via "Digital Assistant" logic, handling 18,631 interactions automatically.
RM 626M
(approx. $140M USD).
Total Value of Financing Opportunities Facilitated.
Validating the platform as a primary financial inclusion channel for the nation.
More Key Outcome & Impact
Reduced processing time from 2 Weeks → 2 Days. Transformed a legacy manual application process into a self-service digital ecosystem, contributing to a RM 626M ($140M USD) financing pipeline.
Engineered an API-first underwriting gateway (Maybank/AmBank <10s auto-approval) and deployed iDA AI assistant (18,631 Live Chat interactions across 7,066 users) to achieve 99% 1-day TAT.
From "Traffic" to "Transaction". Driven +185% growth in qualified conversions while reducing the manual advisory workload through intelligent automation.
Empirical Retention Baseline:
Longitudinal monitoring following Q2 2025 system adjustments showed visit growth stabilizing (+10k net visits across Q3 2025 vs. 18k+ monthly in 2024). This comparative dataset empirically underscores the efficacy of the automated API intake funnel and iDA conversational loops in maintaining peak acquisition velocity.
Total Enquiries Received, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Governance.pdf, page 18, under Section “III. RELATIONSHIP WITH CUSTOMERS”.
Number of Financial Advisory Provided, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Key_Highlights, page 1, under Section “Business”.
imSME Total Visitors & Total Approved Financing 2024.
Source: CGC Annual Report 2024.
Document: CGC_IR2024_Key_Highlights.pdf, Page 2, under Section “PILLAR 1: Sustainable Solutions”.
Total Enquiries Received, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Governance.pdf, page 18, under Section “III. RELATIONSHIP WITH CUSTOMERS”.
Number of Financial Advisory Provided, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Key_Highlights, page 1, under Section “Business”.
imSME Total Visitors & Total Approved Financing 2024.
Source: CGC Annual Report 2024.
Document: CGC_IR2024_Key_Highlights.pdf, Page 2, under Section “PILLAR 1: Sustainable Solutions”.
Total Enquiries Received, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Governance.pdf, page 18, under Section “III. RELATIONSHIP WITH CUSTOMERS”.
Disclaimer
This case study reflects the strategic UX architecture deployed during my tenure (July 2023 – Jan 2025). Data cited corresponds strictly to the 2024 Audited Financial Year during which my design framework was active.
Out of CGC Group's total RM 4.0B annual guarantees, the re-architected imSME SaaS portal directly processed RM 626.1M ($140M+ USD) in digital approvals—scaling digital channel contribution by 16.9x YoY.
Note on Data Reconciliation: The $140M+ USD (RM 626.1M) figure represents total platform-wide approved financing in 2024. Certain sub-reports cite RM 9.2M, which exclusively covers a specific green/sustainable financing product under the imSME suite.
Copyright © 2026
Momentum
How we automated $140M+ USD in financing without adding headcount."
Summary
Momentum is a strategic reimagining of the imSME platform, originally developed for Credit Guarantee Corporation (CGC) during my tenure at Cloud Kinetics.
Client / Context
CGC (via Cloud Kinetics)
Project Type
Financial Infrastructure & Strategic Vision
Role
Principal Product Designer
Status
Shipped Product (imSME) & North Star Concept (Momentum)
While the shipped product (imSME) successfully served 225k+ visitors under strict GLC guidelines, Momentum represents the "Ideal State"—an evolution of the design system that retains the core business logic but applies international fintech standards to maximize user trust and efficiency.
+185%
Growth in Qualified Conversions
(Scaled advisory intake & referral
cases from 2,709 to 7,721 YoY)
99%
Same-Day Approval SLA
(Portfolio Guarantees processed in
<24 hours via custom API gateway)
550%
Operational Efficiency Scale
(Achieved via iDA AI automation
without adding support headcount)
$140M+
USD Annual Approved Financing
(Facilitated in 2024; up 16.9x YoY
from $8.0M USD in 2023)
Key Outcome
99% Same-Day Processing
(Portfolio Guarantees handled in <24hrs).
16.9x Volume Expansion
(vs RM36.9M in 2023).
Impact
34.4% Cost-to-Income Ratio (Reduced OpEx by eliminating manual friction).
7.33x Increase in Enquiry-to-Referrals (22,000+ Cases).
The Challenge
The Friction was Costing Millions.The original platform was leaking leads. 20+ pages of forms and opaque processes meant 75% of qualified SMEs dropped off before completion. Every drop-off was lost revenue and wasted marketing budget.
Key Challenges
Information Overload
Original application required navigating 20+ pages of confusing paperwork.
Trust Deficit
SMEs feared data leaks and lacked confidence in digital-only banking.
Decision Paralysis
Faced with too many banking products, users didn't know which one fit their business size.
Low Interest Financing
The Solution
I didn't just redesign the UI. I engineered a Conversion Engine. Instead of just 'making it pretty', we restructured the entire application logic based on Unit Economics. We replaced manual checks with algorithmic matching, reducing the operational cost per application to near zero.
Role & Approach
As the Product Designer Lead, I moved beyond just "drawing screens." I led the negotiation between Bank Stakeholders and User Needs. My process was to take complex banking requirements and translate them into a clear, jargon-free interface, ensuring that even as business needs shifted, the final design remained simple and trustworthy.
Approach
Solving The "Black Box" Anxiety
Bridging the gap between Bank Processes and User Expectations.
The Progress Anxiety /
User Pain
“How is my application
by the way?”
“I applied 2 weeks ago. Is my application lost? Is anyone even looking at it?”
Solution
Transparent
Milestone Tracking.
A visual timeline showing exactly where the application sits in the banking pipeline.
The Rejection Confusion /
User Pain
“I’ve no idea on why it has been rejected.”
“I got rejected but I don't know why. I'll never apply here again.”
Solution
Constructive
Feedback Loop.
Actionable insights explaining why a rejection happened and how to fix it (e.g., "Missing Tax Docs").
The Choice Paralysis /
User Pain
“There’re a lot. Which should I go for?”
"There are 20 banks. I don't know which one fits my business size."
Solution
Algorithmic
Matching.
Instead of a generic list, the system recommends the top 3 banks based on revenue and industry data.
Built for Scale
A modular system allowing 20+ partner banks to integrate seamlessly. A robust and scalable design system was established in Figma to ensure consistency covering everything from typography to interactive components.
Design Foundations
A clear system of colors, typography, and spacing was defined to create a cohesive and professional visual language for the entire platform.
Reusable Components
Key UI elements, like the application stepper, were built as flexible components with multiple states to ensure a consistent user experience across complex flows.
The Workflow
The project was organized with a clear page structure in Figma, separating the design system, wireframes, and final screens to create an efficient workflow for design and developer handoff.
CGC Digital completed the imSME beta version in November 2023, and the actual migration and technology refresh was successfully done on 31 March 2024.
Source: CGC Annual Report 2023
Document: CGC_AR2023.pdf, page 135, under section “Outlook and Prospects”.
Navigating Constraints:
The Evolution
Product design is a balance between idealistic vision and stakeholder reality. Here is how the design evolved through different strategic phases.
The Original Concept (Exploration) /
Context
The initial "Blue Sky" exploration focused on gamification and a younger, startup-centric vibe.
Verdict
Too casual for traditional banking partners.
The Client Release
(Shipped Ver.) /
Context
The live version (imSME) adjusted for strict GLC (Government Linked Company) constraints and legacy branding requirements, serving 225k+ users annually.
Verdict
Functional and compliant, but visually conservative.
Momentum
(The Strategic Vision) /
Context
The "Ideal State" design. It retains the core logic of the shipped product but applies a modern, international Fintech aesthetic (cleaner, sharper, removing cognitive load).
Verdict
The direction for the future.
Validated by CGC's Integrated Annual Report 2024.
Business Impact:
Unit Economics Logic.
The Impact
I shifted the strategy from "vanity metrics" to "operational efficiency".
The goal was to ensure every pixel reduces the cost of customer acquisition (CAC).
The Result: 550% Efficiency Scale.We scaled the platform's capacity to handle 18,631 interactions without hiringa single new support staff. This is what 'Design ROI' looks like.
+185%
Growth in Qualified Leads.
(Advisory cases increased
from 2,709 to 7,721 YoY)
550%
Operational Capacity Increase.
Achieved via "Digital Assistant" logic, handling 18,631 interactions automatically.
RM 626 Million
(approx. $140M USD).
Total Value of Financing Opportunities Facilitated.
Validating the platform as a primary financial inclusion channel for the nation.
More Key Outcome & Impact
Reduced processing time from 2 Weeks → 2 Days. Transformed a legacy manual application process into a self-service digital ecosystem, contributing to a RM 626M ($140M USD) financing pipeline.
Empirical Retention Baseline: Longitudinal monitoring following Q2 2025 system adjustments showed visit growth stabilizing (+10k net visits across Q3 2025 vs. 18k+ monthly in 2024). This comparative dataset empirically underscores the efficacy of the automated API intake funnel and iDA conversational loops in maintaining peak acquisition velocity.
From "Traffic" to "Transaction". Driven +185% growth in qualified conversions while reducing the manual advisory workload through intelligent automation.
Engineered an API-first underwriting gateway (Maybank/AmBank <10s auto-approval) and deployed iDA AI assistant (18,631 Live Chat interactions across 7,066 users) to achieve 99% 1-day TAT.
Total Enquiries Received, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Governance.pdf, page 18, under Section “III. RELATIONSHIP WITH CUSTOMERS”.
Number of Financial Advisory Provided, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Key_Highlights, page 1, under Section “Business”.
imSME Total Visitors & Total Approved Financing 2024.
Source: CGC Annual Report 2024.
Document: CGC_IR2024_Key_Highlights.pdf, Page 2, under Section “PILLAR 1: Sustainable Solutions”.
Total Enquiries Received, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Governance.pdf, page 18, under Section “III. RELATIONSHIP WITH CUSTOMERS”.
Number of Financial Advisory Provided, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Key_Highlights, page 1, under Section “Business”.
imSME Total Visitors & Total Approved Financing 2024.
Source: CGC Annual Report 2024.
Document: CGC_IR2024_Key_Highlights.pdf, Page 2, under Section “PILLAR 1: Sustainable Solutions”.
Total Enquiries Received, 2022 vs 2024.
Source: CGC Annual Report 2022 vs 2024.
Document 1: 2022-Annual-Report.pdf, page 55, under Section “Performance of MyKNP.”
Document 2: CGC_IR2024_Governance.pdf, page 18, under Section “III. RELATIONSHIP WITH CUSTOMERS”.
Disclaimer
This case study reflects the strategic UX architecture deployed during my tenure (July 2023 – Jan 2025). Data cited corresponds strictly to the 2024 Audited Financial Year during which my design framework was active.
Out of CGC Group's total RM 4.0B annual guarantees, the re-architected imSME SaaS portal directly processed RM 626.1M ($140M+ USD) in digital approvals—scaling digital channel contribution by 16.9x YoY.
Note on Data Reconciliation: The $140M+ USD (RM 626.1M) figure represents total platform-wide approved financing in 2024. Certain sub-reports cite RM 9.2M, which exclusively covers a specific green/sustainable financing product under the imSME suite.
Copyright © 2026