Three Programmes, One Clear Purpose
Whether you're starting from scratch or filling specific gaps, Moniqo has a programme structured to fit where you are now and take you somewhere more confident.
← Back to HomeHow Moniqo Programmes Are Structured
Read First
Reading notes are provided ahead of each session. This gives participants time to encounter new terms before the group discussion — reducing the cognitive load during sessions.
Discuss Together
Sessions are structured around questions and examples rather than lectures. Participants are encouraged to raise real situations they've encountered — these often lead to the most useful discussions.
Reference Later
All participants receive written reference materials to take away. These are designed to be useful months after the programme ends — not just during the sessions themselves.
Digital Payments Basics Session
RM 490 · Single session
An introductory session on how everyday digital payments and e-wallets generally work in Malaysia, with simple habits for keeping accounts organised. Designed for participants who are new to digital money tools and want a clear starting point — without being overwhelmed by technical detail.
The session covers what happens when a payment is made, how accounts are structured, what confirmation notifications mean, and what to do if something doesn't look right. A plain-words glossary and a safety-habits checklist are included.
What's Included
- Plain-words glossary of common digital payment terms
- Safety-habits checklist for everyday account management
- Overview of how major Malaysian e-wallet categories work
- Reading notes to keep for future reference
- Small group setting — questions answered in session
Session Flow
Introduction: what digital payments are and why they work the way they do
The payment journey: what happens at each step when money moves
Reading confirmations and notifications: what they tell you
Safety habits: what to keep private and what to watch for
Open questions and glossary review
Best For
- People new to digital payments who want a solid foundation
- Those who use e-wallets but are uncertain how they really work
- Anyone who wants to understand payment confirmations and records
Best For
- Participants who've completed the Basics Session or have some familiarity with digital payments
- Those who want to understand digital statements and compare tools more confidently
- Learners who benefit from weekly pacing with time to absorb and reflect
Fintech Literacy Course (4 Weeks)
RM 1,310 · Four weekly sessions
A four-week course exploring common fintech concepts, how digital statements are read, and how to compare features of everyday tools. Each session covers a distinct area and builds on the previous week. Reading notes are provided in advance, and discussion is a central part of every session.
All content is presented as general education. The course does not offer advice on which tools to use or how to manage money — it explains how things work so participants can draw their own conclusions.
Weekly Session Breakdown
Week 1: The fintech landscape in Malaysia — what tools exist, how they're categorised and how they relate to each other
Week 2: Reading digital statements — understanding transaction records, dates, reference numbers and what each field means
Week 3: Comparing tools — how to read feature descriptions and terms side by side without being misled by framing
Week 4: Sensible habits around personal data, account security and keeping your own records organised
What's Included
- Pre-session reading notes for all four weeks
- Annotated statement examples used in Week 2
- Feature comparison reference sheet
- Small group sessions — 8–12 participants per group
Complete Digital Money Literacy Programme
RM 2,870 · Comprehensive programme + 3 months Q&A
A comprehensive programme covering the landscape of digital payment tools, personal record-keeping and reading digital statements with confidence. This is the most thorough fintech grounding Moniqo offers — designed for participants who want a complete picture, not just an overview.
In addition to all session content, participants receive a printed reference guide, a full set of digital resources and three months of access to a group Q&A channel where they can bring questions as they arise in day-to-day life.
What's Included
- All sessions covering the full digital payments literacy curriculum
- Printed reference guide for use after the programme
- Full set of digital resources — notes, tables, glossary
- Personal record-keeping frameworks and templates
- Three months of group Q&A channel access
- Small group sessions throughout
Programme Areas
The digital payment landscape — types of tools, how they're structured and how they connect to the broader financial system
Statement literacy — reading transaction records, understanding dates and reference fields, spotting what to check
Tool comparison — how to evaluate features and terms without being influenced by marketing framing
Personal record-keeping — frameworks for tracking your own transactions and organising digital account records
Safety and privacy habits — what to share, what to keep private and how to approach account security sensibly
Best For
- Participants who want the most thorough grounding available
- Those who manage household or small business accounts digitally
- Learners who value ongoing access to ask questions as they arise
Which Programme Is Right for You?
| What You Get | Basics Session RM 490 |
4-Week Course RM 1,310 |
Complete Programme RM 2,870 |
|---|---|---|---|
| Plain-words glossary | |||
| Safety-habits checklist | |||
| Statement reading module | |||
| Tool comparison reference sheet | |||
| Printed reference guide | |||
| Record-keeping frameworks | |||
| 3-month Q&A channel access |
Not sure which to start with? Get in touch and we'll help you decide based on your current familiarity with digital payments.
Standards We Maintain in Every Session
No Product Endorsement
Moniqo does not promote or benefit from any payment platform or tool.
Participant Privacy
Enrolment details are used solely for programme administration and not shared externally.
Regular Content Review
Materials are reviewed every six months and updated to reflect the current Malaysian landscape.
Small Group Sizes
Sessions are capped at 12 participants to ensure questions receive meaningful attention.
Not Sure Where to Start?
Send us a message and we'll help you figure out which programme suits your current level and what you'd like to understand.
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