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Digital transformation has brought efficient and convenient service models to the financial industry. For example, financial technology means such as online banking and mobile payment allow enterprises and individuals to perform financial operations anytime and anywhere, saving time and costs. At the same time, the application of big data and artificial intelligence makes risk assessment more accurate and financial decision-making more scientific.

However, digital transformation also faces a series of challenges. Data security and privacy protection have become key issues, and any data leakage incidents may cause huge losses to enterprises and customers. In addition, technology is rapidly updated, and financial institutions need to continuously invest resources in technology research and development and talent training to keep up with the times.

Back to the topic we are concerned about, the development of the e-commerce industry is closely linked to the digital transformation of finance. Transactions on e-commerce platforms are inseparable from safe and efficient payment methods, which is the core support provided by financial digitalization. Digital payment methods allow consumers to complete shopping easily while also ensuring the security and traceability of transactions.

On the other hand, the digital transformation of finance has provided e-commerce companies with more financing channels and risk management tools. Through big data analysis, financial institutions can more accurately assess the credit status of e-commerce companies, provide them with appropriate credit support, and help companies expand their scale and optimize operations.

In short, the digital transformation of Malaysia's banking and financial sectors has created a favorable development environment for the e-commerce industry, and the prosperity of the e-commerce industry has in turn promoted the continuous innovation and improvement of financial digitalization. The two together have built a vibrant business ecosystem.