Important Update

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1. GPT Chatbot & FAQ (last few slides) has been updated on 23/7/2025.
2. Added Common Pitfalls & Reminders (slide #4 and #5) on 30/7/2025.
3. A new tool, GDPM / GDPjM -- Application Lookup Tool, launched on 14/8/25.
• For more info about about the data in the table, refer to slide #2 and #3.

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Thank you.

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Appendix 1

Definition of Stages

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Appendix 2

Appendix: Payment Status Definitions

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Common Pitfalls & Reminders: Documents

General Requirements

1. Complete Documents Only: Do not submit partial screenshots or cropped files (e.g., just the header).
2. Clear & Legible: Ensure text is readable and not blurred or distorted.
3. File Format Accepted: PDF or JPEG only.
4. File Size Limit: Max 5MB per file.
5. Watermarks�➤ Allowed: Watermarks related to the grant (e.g., Digital Grant, Geran Digital, BSN, MDEC, DP name, etc.)�➤ Not Allowed: Any unrelated watermarks (e.g., brand names, etc.)
6. No CTC Required: Certified True Copy (CTC) is not mandatory. System-generated documents are acceptable.

Business registration doc

1. For SSM-Registered Entities Upload the latest SSM Business Profile (full document).
2. For Non-SSM Businesses (e.g., license-based): Must include these 6 items in the license/permit:
1. Business name
2. Date license was issued
3. License expiry date
4. Owner’s name
5. Owner’s NRIC number
6. Business location

Bank statement

1. Submit 2 months of the latest bank statements (not summary pages only). (We accept Bank statements starting from April’25 onwards)
2. Upload each month’s statement in separate files.
3. Ensure Month #1 goes into “Bank Statement #1” field, Month #2 into “Bank Statement #2”.

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Common Pitfalls & Reminders: Eligibility

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1. Past grant recipients
1. Many applications are expected to be rejected if the SME has received any form of digital matching grant within the past 5 years.
2. Important: Grants related to telco connectivity are considered part of the digital matching grant scope and will be counted as past grant recipients.
2. Cross fund recipients
• Applicants can only apply one category under GDPM in 2025, either as PMKS or Penjaja.
1. Example: SMEs who applied under GDPM (DP) cannot reapply under GDPM (Penjaja), and vice versa.
3. Data mismatch
• We do our best to distinguish between actual typos and serious data mismatches. However, SMEs are responsible for submitting accurate details.
• Common typo:
• Invoice/quotation details
• NRIC number
• Full name
4. Insufficient Business Operating Record (< 6 months)
• Penjaja: We understand license formats vary by municipal council. We check these key fields to determine the business record:
• Business registration date
• License issuance date
• License renewal date
• SSM-registered businesses: We rely on the official Business Registration Date as listed in the SSM profile.
5. Less than min RM 50K annual revenue
6. Invalid email address

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GERAN DIGITAL PMKS MADANI (GDPM) DP BRIEFING

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July 2025

Confidential

© Funding Societies. Private & Confidential

Agenda

7

1. FS roles & responsibilities
2. End-to-end process overview
3. Digitalization Partner (DP) onboarding with FS
4. Grant application journey

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Key Responsibilities of Funding Societies (FS)

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1. Digital Application Management

• Build and manage a full digital platform for grant applications
• Automate end-to-end application process (incl. KYC & approval)
• Enable real-time tracking and reporting for the Joint Committee (BSN, MDEC, MCMC)
• Handle processing fees per successful application

2. Alignment with GDPM Guidelines

• Execute GDPM policies, timelines, and SOPs aligned with the Joint Committee
• Escalate any complaints received immediately to the Joint Committee for investigating and decisioning

2023-2024 Funnel Performance

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Agenda

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• FS roles & responsibilities
• End-to-end process overview
• Digitalization Partner (DP) onboarding with FS
• Grant application journey

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End to End Process Overview

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Step 3: Claim And Disbursement

3.1 Deliver services & submit claim

3.2 Review &

approve claim

3.3 Make fee payment to FS

3.4 Submit final list to BSN

Step 2: Payment

2.1 Make initial payment (50% or more)

2.2 Disburse funds received to DPs

Step 1: Application

1.1 Submit application online

1.2 Run eligibility check

1.3 Run doc check

Milestones

Send Grant Approval

Receive SME payment

50% disbursed to DP

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End to End Process Overview - Step 1 Application

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Step 3: Claim And Disbursement

3.1 Deliver services & submit claim

3.2 Review &

approve claim

3.3 Make payment

3.4 Submit final list

Step 2: Payment

2.1 Make initial payment (50% or more)

2.2 Disburse funds received to DPs

Step 1: Application

1.1 Submit application online

1.2 Run eligibility check

1.3 Run doc check

Milestones

Send Grant Approval

Receive SME payment

50% disbursed by BSN

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Step 1: Application

Key takeaways

1. Channel – All applications must be submitted through the FS digital form (live only on the grant-opening date).
• PMKS: https://fundingsocieties.com.my/msme-digital-grant-madani
• Penjaja: https://fundingsocieties.com.my/geran-digital-penjaja-madani
2. Documents required:
• NRIC (Front & Back) of the applicant – must be a business owner or company director
• Business registration docs (complete set)
• Financial docs
• 2 months’ latest bank statements; or
• Latest management/audited account
• Invoice/quotation
• Utility Bill (Penjaja applicants only, PMKS not required)

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Notification from FS

1. [To DP & SME] Application Received – email with Application Reference ID
2. [To DP & SME] Application Decision
1. Approval Notification Email includes SME Payment URL
2. Rejection Notification Email includes Rejection Reasons

Common Pitfalls

1. Submit unqualified SMEs applications
1. PMKS:https://www.bsn.com.my/cms/upload/pdf/business/msme_tnc.pdf
1. Penjaja:https://www.bsn.com.my/cms/upload/pdf/business/gdpjm_tnc.pdf
2. Invalid or duplicate email addresses
3. Invoices dated before 1/7/25
4. Documents containing watermarks unrelated to GDPM
5. Past grant recipients are not eligible to apply, except for SMEs applying for e-invoicing services offered by appointed Digitalization Partners (DPs) under the e-invoicing category.
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End to End Process Overview - Step 2 Payment

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Step 3: Claim And Disbursement

3.1 Deliver services & submit claim

3.2 Review &

approve claim

3.3 Make payment

3.4 Submit final list

Step 2: Payment

2.1 Make initial payment (50% or more)

2.2 Disburse funds received to DPs

Step 1: Application

1.1 Submit application online

1.2 Run eligibility check

1.3 Run doc check

Milestones

Send Grant Approval

Receive 50% payment

50% disbursed by BSN

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Step 2: Payment

Common Pitfalls

• SME owners unfamiliar with e-banking may forget to inform the bank account checker (token approver) to approve the transaction.
• Payment not made through FS’s official channel (CardUp) – Direct transfers to DPs or other methods are not accepted and will be considered invalid.

Key takeaways

1. Applicable to PMKS only – This step does not apply to Penjaja applicants.
2. SMEs must pay 50% within 14 days from the Approval Date. Payment url will be invalid after 14 days.
3. Payment must be made via the FS-approved channel (CardUp).
4. FPX payments are free of charge (FOC); Credit Card payments (optional) incur a fee (MDR: 2.16% for local credit card).
5. Funds will be transferred to the DP within 3 working days after payment confirmation.
6. If the approval expires, SMEs are required to re-submit a new application.�

Notification from FS

• [To SME] Payment receipt email notifications
• [To DP] Payment received email notifications

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End to End Process Overview - Step 3 Claim & Disbursement

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Step 3: Claim And Disbursement

3.1 Deliver services & submit claim

3.2 Review &

approve claim

3.3 Make payment

3.4 Submit final list

Step 2: Payment

2.1 Make initial payment (50% or more)

2.2 Disburse funds received to DPs

Step 1: Application

1.1 Submit application online

1.2 Run eligibility check

1.3 Run doc check

Milestones

Send Grant Approval

Receive 50% payment

50% disbursed by BSN

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Step 3: Claim & Disbursement

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Key takeaways

1. Service delivery can begin once the DP has received the initial payment from the SME.
2. After service delivery, the DP must submit a claim form to request disbursement.
1. Claim form URL: https://modalku.formstack.com/forms/dp_claim
3. A service fee will be charged on each approved claim.
• Penjaja: RM 5 per claim
• PMKS: RM 50 per claim
• Payment URL will be provided in the Claim Approval Email.
4. Claims with completed payment of the service fee will be submitted to BSN for disbursement.

Notification from FS

• [To DP] Claim submission acknowledgment email
• [To SME] Claim notification email
• [To DP] Claim approval email
• [To DP] Claim rejection email
• [To DP] Payment receipt email (for the service fee)

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Agenda

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• FS roles & responsibilities
• End-to-end process overview
• Digitalization Partner (DP) onboarding with FS
• Grant application journey

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Digitalization Partner Onboarding Details

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Important notes

1. BSN Company Bank Account: A BSN company bank account is compulsory.
2. Two email addresses are required: 1 for direct communication & 1 for daily operations
3. Onboarding Form Submission Deadline
• Form is open until 4/7/2025. (Extended to 25/7/25, 12pm)
• The form url: https://modalku.formstack.com/forms/dp_onboarding
4. Company Representative Criteria (must meet at least one):
• Major Owner: Holds ≥ 25% ownership of the company
• Company Director: Officially registered as director in SSM
• Key Decision Maker: Holds a senior leadership role (e.g., General Manager), even if not registered in SSM
5. [Optional] Credit Payment Opt-In: In the form, you may choose to opt in for Credit Card/FPX payout options.
• A processing fee will be deducted from each payout:
• 2.16% for Malaysia-issued credit cards — reduced from 2.25%, now SST inclusive
• 3.24% for overseas-issued credit cards — reduced from 3.3%, also SST inclusive
6. Existing DPs: Must fill in the onboarding form to update their email notification address.

Documents required

1. Authorization letter: Required only if the representative is not a registered Director or Shareholder.
2. Identity Verification: Clear NRIC copy (front and back) of the company representative.
3. Business Registration: Complete SSM registration documents (e.g., SSM Company Profile).
4. Appointment Letter: The official 2025 Appointment Letter issued by the Joint Committee.
5. Proof of Bank Account Ownership: Bank statement / screenshot of ebanking screen which has all the info (name/account number)

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Need Support? Here’s How to Reach Us

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Before You Reach Out - A Few Quick Tips:

1. Please check the T&Cs and this slide first — they might already have your answer!
1. PMKS:https://www.bsn.com.my/cms/upload/pdf/business/msme_tnc.pdf
2. Penjaja:https://www.bsn.com.my/cms/upload/pdf/business/gdpjm_tnc.pdf
3. DP FAQ:
1. General FAQ: https://help.fundingsocieties.com.my/en/articles/8383552-dp-faq-general-questions
2. Payment FAQ: https://help.fundingsocieties.com.my/en/articles/8424274-dp-faq-receiving-payment-from-msmes
2. We’ve also built a handy FAQ AI chatbot based on the grant T&Cs and this deck: https://chatgpt.com/g/g-68622a1c23e8819187ba7cc99a60c312-gdpm-dp-assistant
3. Be specific from the start: include your Application Reference ID and a clear description of the issue.
4. Kindly avoid requesting checks on past SME grant records, that’s not allowed under PDPA.
5. Keep your questions within Funding Societies’s scope. Some examples of topics outside our scope include:
• Appointment of DP
• BSN account opening
• DP (Digital Partner) service categories

Support channel

1. For Grant Applications, Approvals, or Claims: 📧 gdpm@fundingsocieties.com
2. For Payment Issues: 📧 hellomy@cardup.co
3. For Direct Help: Join the Whatsapp community

Chatbot to answer basic questions

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Agenda

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• FS roles & responsibilities
• End-to-end process overview
• Digitalization Partner (DP) onboarding with FS
• Grant application journey

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Grant Application Journey

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Grant Application Journey

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Grant Application Journey

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Grant Application Journey

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Grant Application Journey

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Application Received Notification Email

Application Approved Notification Email

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Grant Application Journey

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Grant Application Journey

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Grant Application Journey

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FAQ

1. What qualifies as project completion for the release of the balance payment or matching grant?�Answer: You can submit your claim for grant disbursement once the product or service has been delivered or is actively being delivered.

2. What documents are required as proof of project completion?�Answer: To process your claim, Funding Societies requires an updated invoice from the Digitalization Partner (DP). Additional supporting documents may be requested if necessary.

3. How long does it take for the grant to be disbursed after submitting the proof of completion?�Answer: Disbursement typically takes 1–2 weeks, depending on the processing queue and backlog.

4. Is the grant limited to specific business segments?�Answer: No, the grant is open to all eligible businesses, regardless of industry segment.

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FAQ 2

1. Can past grant recipients apply again?

Answer: No, unless it is strictly for e-invoicing and the DP is appointed for that.

2. Can NGOs or Persatuan apply for the grant?

Answer: No, NGOs and Persatuan are not eligible.

3. Can a merchant submit IC of only 1 director if the company has 3 directors?

Answer: Yes, only 1 (the applicant) is needed.

4. Can quotation/invoice be dated before 1 July 2025?

Answer: No, must be dated after 1 July 2025.

5. Is proforma invoice accepted?

Answer: Yes, for application only. Final invoice must match for claim.

6. Can we write “For MDEC Grant Use” or similar on documents?

Answer: Yes, but it’s encouraged to use “GDPM” instead.

9. Must quotation/invoice be signed and stamped?

Answer: No, system-generated versions without chop are acceptable.

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FAQ 2

10. Can SMEs combine solutions from multiple DPs into one application?

Answer: No, one application is tied to one DP and one digitalisation category.

11. Can the invoice include SST?

Answer: Yes, SST is allowed in the invoice total.

12. Can a DP resell another DP’s solution under their name and invoice the customer?

Answer: Not allowed. Application must match DP’s approved solutions.

13. How long does CardUp take to disburse to DP after SME pays?

Answer: Within 3 working days.

14. Can SME pay using director’s personal credit card or other accounts?

Answer: Acceptable, but advised to use company or director’s accounts to avoid audit issues.

15. Can DP collect the 50% from SME and pay on their behalf?

Answer: No, direct payments from DPs on behalf of SMEs are not allowed.

16. Is CTC (certified true copy) required for SSM documents?

Answer: No, CTC is not required.

17. When is the application opening date?

Answer: Scheduled for 20 July 2025. (Extended to 1/8/2025 by Joint Committee on 18/7/2025)

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FAQ 3

1. Can the SME pay using FPX and not sign up for CardUp?

❌ No. Payment must be made via CardUp's link (sign-up is part of the process), regardless of method (FPX/credit card).

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2. Can DPs assist SMEs to submit the application on their behalf using the SME’s documents?

✅ Yes. DPs can assist in submission if SMEs request, but must still use SME’s actual documents and authorization.

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3. Can the payment URL be reused to make payment later if missed within 14 days?

❌ No. If the SME fails to pay within 14 days, the URL becomes invalid and a new application is required.

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4. Can an SME reapply if their application was rejected?

✅ Yes. SMEs can reapply if the reason for rejection is resolved (e.g. documents corrected).

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5. Can DPs charge the SME more than the approved invoice later on?

❌ No. The final invoice and claim must match what was submitted and approved.

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6. Can DPs issue a combined invoice for multiple companies under the same owner?

❌ No. Each application must be under a unique entity with a unique invoice.

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FAQ 3

8. Can freelancers without business registration apply?

❌ No. Must have business registration (SSM, PBT, etc.).

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9. Can we submit only the back of IC if front is blurred?

❌ No. Both front and back of IC are required.

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(Claim and Reimbursement) Claim submission receipt

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(Claim and Reimbursement) Communication – Claim Approval Email

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Step 2: Payment - Notification Email Template

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Payment: Payment UI 1/3

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Payment: Payment UI 2/3

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Payment: Payment UI 3/3

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Appendix

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