FIDE FORUM - Media

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class="nav-menu-2 w-nav-menu"> <div class="nav-link-block"> <a href="/Home" class="nav-link w-nav-link w--nav-link-open">Home</a> </div> <div data-hover="true" data-delay="150" class="dropdown-2 icon-link w-dropdown" style="display:block;"> <div class="dropdown-toggle-3 w-dropdown-toggle" id="w-dropdown-toggle-0" aria-controls="w-dropdown-list-0" aria-haspopup="menu" aria-expanded="false" role="button" tabindex="0"> <div class="drop-arrow-plain w-icon-dropdown-toggle" aria-hidden="true"></div> <div class="text-block-65">About Us</div> </div> <nav class="dropdown-list-2 w-dropdown-list" style="opacity: 0;" id="w-dropdown-list-0" aria-labelledby="w-dropdown-toggle-0"> <div class="dropdown-list-full-wrapper"> <div class="navigation-drop-container"> <div class="navigation-column-2 column-1"> <div class="nav-content-wrap-2"> <div class="nav-link-details-2">We are thought leaders at the forefront influencing and advocating good corporate governance practices.</div> <a href="/about-fide-forum" class="link-block w-inline-block" tabindex="0"> <div class="div-block-7"> <div class="text-block-2 dropdown">About Us</div><img src="/FideForum/media/Images/Arrow-1.png" loading="lazy" alt=""> </div> </a> </div> </div> <div class="navigation-column-2 column-2"> <ul role="list" class="list-2 mega-menu-mobile"> <li class="list-item"> <a href="/about-fide-forum/our-approach">Our Approach</a> </li> <li class="list-item"> <a href="/about-fide-forum/our-board">Our Board</a> </li> <li class="list-item"> <a href="/about-fide-forum/newsroom"class="dropdown-toggle" data-toggle="dropdown2" role="button" aria-haspopup="true" aria-expanded="false">Newsroom</a> </li> <li class="list-item"> <a href="/about-fide-forum/contact">Contact</a> </li> <li class="list-item"> <a href="/about-fide-forum/faqs">FAQs</a> </li> </ul> </div> </div> </div> </nav> </div> <div class="nav-link-block" style="display:none;"> <a href="/about-fide-forum" class="nav-link w-nav-link">About Us</a> </div><div data-hover="true" data-delay="150" class="dropdown-2 icon-link w-dropdown" style="display:block;"> <div class="dropdown-toggle-3 w-dropdown-toggle" id="w-dropdown-toggle-0" aria-controls="w-dropdown-list-0" aria-haspopup="menu" aria-expanded="false" role="button" tabindex="0"> <div class="drop-arrow-plain w-icon-dropdown-toggle" aria-hidden="true"></div> <div class="text-block-65">Membership</div> </div> <nav class="dropdown-list-2 w-dropdown-list" style="opacity: 0;" id="w-dropdown-list-0" aria-labelledby="w-dropdown-toggle-0"> <div class="dropdown-list-full-wrapper"> <div class="navigation-drop-container"> <div class="navigation-column-2 column-1"> <div class="nav-content-wrap-2"> <div class="nav-link-details-2">Join us now to shape the future of the financial services sector.</div> <a href="/membership" class="link-block w-inline-block" tabindex="0"> <div class="div-block-7"> <div class="text-block-2 dropdown">Membership</div><img src="/FideForum/media/Images/Arrow-1.png" loading="lazy" alt=""> </div> </a> </div> </div> <div class="navigation-column-2 column-2"> <ul role="list" class="list-2 mega-menu-mobile"> <li class="list-item"> <a href="/membership/group-approach-membership">Group Corporate Membership</a> </li> <li class="list-item"> <a href="/membership/corporate-membership">Corporate Membership</a> </li> <li class="list-item"> <a href="/membership/individual-membership">Individual Membership</a> </li> <li class="list-item"> <a href="/membership/associate-membership">Associate Membership</a> </li> </ul> </div> </div> </div> </nav> </div> <div class="nav-link-block" style="display:none;"> <a href="/membership" class="nav-link w-nav-link">Membership</a> </div><div data-hover="true" data-delay="150" class="dropdown-2 icon-link w-dropdown" style="display:block;"> <div class="dropdown-toggle-3 w-dropdown-toggle" id="w-dropdown-toggle-0" aria-controls="w-dropdown-list-0" aria-haspopup="menu" aria-expanded="false" role="button" tabindex="0"> <div class="drop-arrow-plain w-icon-dropdown-toggle" aria-hidden="true"></div> <div class="text-block-65">Services</div> </div> <nav class="dropdown-list-2 w-dropdown-list" style="opacity: 0;" id="w-dropdown-list-0" aria-labelledby="w-dropdown-toggle-0"> <div class="dropdown-list-full-wrapper"> <div class="navigation-drop-container"> <div class="navigation-column-2 column-1"> <div class="nav-content-wrap-2"> <div class="nav-link-details-2">We promote best corporate governance practices by leveraging the strengths of our members.</div> <a href="/services" class="link-block w-inline-block" tabindex="0"> <div class="div-block-7"> <div class="text-block-2 dropdown">Services</div><img src="/FideForum/media/Images/Arrow-1.png" loading="lazy" alt=""> </div> </a> </div> </div> <div class="navigation-column-2 column-2"> <ul role="list" class="list-2 mega-menu-mobile"> <li class="list-item"> <a href="/services/director-register">Directors Register</a> </li> <li class="list-item"> <a href="/services/board-effectiveness-evaluation">Board Effectiveness Evaluation</a> </li> <li class="list-item"> <a href="/services/board-succesion-planning">Board Succesion Planning</a> </li> </ul> </div> </div> </div> </nav> </div> <div class="nav-link-block" style="display:none;"> <a href="/services" class="nav-link w-nav-link">Services</a> </div><div data-hover="true" data-delay="150" class="dropdown-2 icon-link w-dropdown" style="display:none;"> <div class="dropdown-toggle-3 w-dropdown-toggle" id="w-dropdown-toggle-0" aria-controls="w-dropdown-list-0" aria-haspopup="menu" aria-expanded="false" role="button" tabindex="0"> <div class="drop-arrow-plain w-icon-dropdown-toggle" aria-hidden="true"></div> <div class="text-block-65">Knowledge Centre</div> </div> <nav class="dropdown-list-2 w-dropdown-list" style="opacity: 0;" id="w-dropdown-list-0" aria-labelledby="w-dropdown-toggle-0"> <div class="dropdown-list-full-wrapper"> <div class="navigation-drop-container"> <div class="navigation-column-2 column-1"> <div class="nav-content-wrap-2"> <div class="nav-link-details-2"></div> <a href="/knowledge-centre" class="link-block w-inline-block" tabindex="0"> <div class="div-block-7"> <div class="text-block-2 dropdown">Knowledge Centre</div><img src="/FideForum/media/Images/Arrow-1.png" loading="lazy" alt=""> </div> </a> </div> </div> <div class="navigation-column-2 column-2"> <ul role="list" class="list-2 mega-menu-mobile"> <li class="list-item"> <a href="/knowledge-centre/reading-materials"class="dropdown-toggle" data-toggle="dropdown2" role="button" aria-haspopup="true" aria-expanded="false">Reading Materials</a> </li> </ul> </div> </div> </div> </nav> </div> <div class="nav-link-block" style="display:block;"> <a href="/knowledge-centre" class="nav-link w-nav-link">Knowledge Centre</a> </div><div data-hover="true" data-delay="150" class="dropdown-2 icon-link w-dropdown" style="display:none;"> <div class="dropdown-toggle-3 w-dropdown-toggle" id="w-dropdown-toggle-0" aria-controls="w-dropdown-list-0" aria-haspopup="menu" aria-expanded="false" role="button" tabindex="0"> <div class="drop-arrow-plain w-icon-dropdown-toggle" aria-hidden="true"></div> <div class="text-block-65">Media</div> </div> <nav class="dropdown-list-2 w-dropdown-list" style="opacity: 0;" id="w-dropdown-list-0" aria-labelledby="w-dropdown-toggle-0"> <div class="dropdown-list-full-wrapper"> <div class="navigation-drop-container"> <div class="navigation-column-2 column-1"> <div class="nav-content-wrap-2"> <div class="nav-link-details-2"></div> <a href="/media-center" class="link-block w-inline-block" tabindex="0"> <div class="div-block-7"> <div class="text-block-2 dropdown">Media</div><img src="/FideForum/media/Images/Arrow-1.png" loading="lazy" alt=""> </div> </a> </div> </div> <div class="navigation-column-2 column-2"> <ul role="list" class="list-2 mega-menu-mobile"> <li class="list-item"> <a href="/media-center/in-the-news"class="dropdown-toggle" data-toggle="dropdown2" role="button" aria-haspopup="true" aria-expanded="false">In The News</a> </li> </ul> </div> </div> </div> </nav> </div> <div class="nav-link-block" style="display:block;"> <a href="/media-center" class="nav-link w-nav-link">Media</a> </div><div data-hover="true" data-delay="150" class="dropdown-2 icon-link w-dropdown" style="display:none;"> <div class="dropdown-toggle-3 w-dropdown-toggle" id="w-dropdown-toggle-0" aria-controls="w-dropdown-list-0" aria-haspopup="menu" aria-expanded="false" role="button" tabindex="0"> <div class="drop-arrow-plain w-icon-dropdown-toggle" aria-hidden="true"></div> <div class="text-block-65">Events</div> </div> <nav class="dropdown-list-2 w-dropdown-list" style="opacity: 0;" id="w-dropdown-list-0" aria-labelledby="w-dropdown-toggle-0"> <div class="dropdown-list-full-wrapper"> <div class="navigation-drop-container"> <div class="navigation-column-2 column-1"> <div class="nav-content-wrap-2"> <div class="nav-link-details-2"></div> <a href="/happenings" class="link-block w-inline-block" tabindex="0"> <div class="div-block-7"> <div class="text-block-2 dropdown">Events</div><img src="/FideForum/media/Images/Arrow-1.png" loading="lazy" alt=""> </div> </a> </div> </div> <div class="navigation-column-2 column-2"> <ul role="list" class="list-2 mega-menu-mobile"> <li class="list-item"> <a href="/happenings/event-calendar">Upcoming Events</a> </li> <li class="list-item"> <a href="/happenings/events-gone-by">Past Events</a> </li> </ul> </div> </div> </div> </nav> </div> <div class="nav-link-block" style="display:block;"> <a href="/happenings" class="nav-link w-nav-link">Events</a> </div> </nav> </nav> <div data-collapse="medium" data-animation="default" data-duration="400" data-easing="ease-out" data-easing2="ease-out" role="banner" class="navigation-mob-2 w-nav"> <div class="navigation-container-mob"> <div class="menu-mob-2 w-nav-button"> <div class="icon-5 w-icon-nav-menu"></div> </div> <nav role="navigation" class="mobile-nav w-nav-menu"> <nav role="navigation" class="nav-menu-2 w-nav-menu"> <div class="mobile-nav-link w-nav-link w--nav-link-open"> <a href="/Home" class="nav-link w-nav-link w--nav-link-open">Home</a> </div> <div data-delay="0" data-hover="false" class="mobile-dropdown-2 w-dropdown" style="display:block;"> <div class="mobile-toggle-2 w-dropdown-toggle"> <div class="w-icon-dropdown-toggle"></div> <div>About Us</div> </div> <nav class="dropdown-list-mob w-dropdown-list"> <a href="#" class="navigation-link-block-mob w-inline-block"> <div class="nav-content-wrap-2"> <a class="link-block" href="/about-fide-forum" class="nav-link w-nav-link">About Us</a> <ul role="list" class="list-2 mega-menu-mobile"> <li> <a href="/about-fide-forum/our-approach">Our Approach</a> </li> <li> <a href="/about-fide-forum/our-board">Our Board</a> </li> <li> <a href="/about-fide-forum/newsroom"class="dropdown-toggle" data-toggle="dropdown2" role="button" aria-haspopup="true" aria-expanded="false">Newsroom</a> </li> <li> <a href="/about-fide-forum/contact">Contact</a> </li> <li> <a href="/about-fide-forum/faqs">FAQs</a> </li> </ul> </div> </a> </nav> </div> <div class="mobile-nav-link w-nav-link" style="display:none;"> <a href="/about-fide-forum" class="nav-link w-nav-link">About Us</a> </div><div data-delay="0" data-hover="false" class="mobile-dropdown-2 w-dropdown" style="display:block;"> <div class="mobile-toggle-2 w-dropdown-toggle"> <div class="w-icon-dropdown-toggle"></div> <div>Membership</div> </div> <nav class="dropdown-list-mob w-dropdown-list"> <a href="#" class="navigation-link-block-mob w-inline-block"> <div class="nav-content-wrap-2"> <a class="link-block" href="/membership" class="nav-link w-nav-link">Membership</a> <ul role="list" class="list-2 mega-menu-mobile"> <li> <a href="/membership/group-approach-membership">Group Corporate Membership</a> </li> <li> <a href="/membership/corporate-membership">Corporate Membership</a> </li> <li> <a href="/membership/individual-membership">Individual Membership</a> </li> <li> <a href="/membership/associate-membership">Associate Membership</a> </li> </ul> </div> </a> </nav> </div> <div class="mobile-nav-link w-nav-link" style="display:none;"> <a href="/membership" class="nav-link w-nav-link">Membership</a> </div><div data-delay="0" data-hover="false" class="mobile-dropdown-2 w-dropdown" style="display:block;"> <div class="mobile-toggle-2 w-dropdown-toggle"> <div class="w-icon-dropdown-toggle"></div> <div>Services</div> </div> <nav class="dropdown-list-mob w-dropdown-list"> <a href="#" class="navigation-link-block-mob w-inline-block"> <div class="nav-content-wrap-2"> <a class="link-block" href="/services" class="nav-link w-nav-link">Services</a> <ul role="list" class="list-2 mega-menu-mobile"> <li> <a href="/services/director-register">Directors Register</a> </li> <li> <a href="/services/board-effectiveness-evaluation">Board Effectiveness Evaluation</a> </li> <li> <a href="/services/board-succesion-planning">Board Succesion Planning</a> </li> </ul> </div> </a> </nav> </div> <div class="mobile-nav-link w-nav-link" style="display:none;"> <a href="/services" class="nav-link w-nav-link">Services</a> </div><div data-delay="0" data-hover="false" class="mobile-dropdown-2 w-dropdown" style="display:none;"> <div class="mobile-toggle-2 w-dropdown-toggle"> <div class="w-icon-dropdown-toggle"></div> <div>Knowledge Centre</div> </div> <nav class="dropdown-list-mob w-dropdown-list"> <a href="#" class="navigation-link-block-mob w-inline-block"> <div class="nav-content-wrap-2"> <a class="link-block" href="/knowledge-centre" class="nav-link w-nav-link">Knowledge Centre</a> <ul role="list" class="list-2 mega-menu-mobile"> <li> <a href="/knowledge-centre/reading-materials"class="dropdown-toggle" data-toggle="dropdown2" role="button" aria-haspopup="true" aria-expanded="false">Reading Materials</a> </li> </ul> </div> </a> </nav> </div> <div class="mobile-nav-link 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</div><a class="navigation-button w-button" href="/Secure/Sign-in">LOGIN</a> </div> </div> </div> <div class="w-nav-overlay" data-wf-ignore="" id="w-nav-overlay-0"></div> </div> </div>  <section class="wf-section"> <div class="newsroom-hero-banner-wrapper"> <div class="text-block-105">media</div> </div> </section> <section class="wf-section"> <div class="top-btm-pdd-60px newsroom"> <div class="div-block-141"> <div class="text-block-168">Stay updated with the latest news and perspective from FIDE FORUM.</div> <div class="text-block-169">FIDE FORUM offers a variety of press on research and market-moving trends in leadership and finance. Follow FIDE FORUM on LinkedIn to explore our perspective.</div> </div> <div class="div-block-35 white-bg newsroom"> <div class="div-block-37"> <div class="div-block-36"> <div>28.01.2025</div> <div class="text-block-92">Director Pay & Governance: 2024 Data Revealed</div> <a href="/media-center/in-the-news/director-pay-governance-2024-data-revealed" class="more-details">more details</a> </div> </div> <div> <img src="/FideForum/media/Images/content-images/RahulandKayLuanBFMInterviewDirectorRemuneration.png?ext=.png" loading="lazy" sizes="(max-width: 767px) 80vw, (max-width: 991px) 70vw, 35vw" alt="Director Pay & Governance: 2024 Data Revealed" class="image-17"></div> </div> </div> </section> <div id="p_lt_ctl06_pageplaceholder_p_lt_ctl00_MediaListing_CMSUpdatePanel"> <div id="p_lt_ctl06_pageplaceholder_p_lt_ctl00_MediaListing_pnlNewsContent"> <section class="wf-section"> <div class="div-block-131"> <div class="div-block-133"> <div class="div-block-134"> <select name="p$lt$ctl06$pageplaceholder$p$lt$ctl00$MediaListing$drpYear" onchange="javascript:setTimeout('__doPostBack(\'p$lt$ctl06$pageplaceholder$p$lt$ctl00$MediaListing$drpYear\',\'\')', 0)" id="p_lt_ctl06_pageplaceholder_p_lt_ctl00_MediaListing_drpYear" class="dropdown-toggle-4 w-dropdown-toggle w--open"> <option selected="selected" value="0">Year</option> <option value="2025">2025</option> <option value="2024">2024</option> <option value="2023">2023</option> <option value="2019">2019</option> <option value="2018">2018</option> <option value="2017">2017</option> <option value="2016">2016</option> </select> </div> </div> <div class="div-block-135 shown"> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/Director-Pay-Governance-2024-Data-Revealed"> <div class="div-block-137"> <div>28.01.2025</div> </div> <div class="text-block-167">Director Pay & Governance: 2024 Data Revealed</div> <p class="paragraph-32">From governance costs ranging between RM500k and RM3.5 million to board diversity extending beyond gender and age, this episode of Enterprise Explores unpacks findings from the 2024 Directors’ Remuneration Report, a joint initiative by Aon and FIDE FORUM. We examine how financial institutions structure compensation for their boards—and the implications for governance, accountability, and talent retention.</p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/Leadership-in-fintech"> <div class="div-block-137"> <div>15.01.2025</div> </div> <div class="text-block-167">Kepimpinan dalam Fintech: Evolusi dan Cabaran Terkini</div> <p class="paragraph-32">Mr Tay Kay Luan, CEO of FIDE FORUM, was interviewed by Astro Niara on the development of fintechs, ethics, and innovation. He also discussed the aspects of leadership with thought leadership, upskllling, collaboration, and continious learning. </p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/The-Critical-Roles-and-Fiduciary-Duties-of-Board-M"> <div class="div-block-137"> <div>21.02.2024</div> </div> <div class="text-block-167">The Critical Roles and Fiduciary Duties of Board Members</div> <p class="paragraph-32"></p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/FAOM-and-FIDE-FORUM-Target-Fintech-Innovation"> <div class="div-block-137"> <div>04.12.2023</div> </div> <div class="text-block-167">FAOM and FIDE FORUM Target Fintech Innovation and Governance</div> <p class="paragraph-32">The Fintech Association of Malaysia (FAOM) and FIDE FORUM have partnered to enhance fintech awareness among senior banking leaders and improve governance within the industry.</p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/Inaugural-National-Climate-Governance-Summit"> <div class="div-block-137"> <div>29.09.2023</div> </div> <div class="text-block-167">Inaugural National Climate Governance Summit in M’sia focuses on resilience</div> <p class="paragraph-32">CLIMATE Governance Malaysia (CGM) held its inaugural National Climate Governance Summit (NGCS), a transformative three-day event aimed at empowering small-medium enterprises (SMEs) with crucial insights and knowledge to navigate the challenges and seize the opportunities presented by the climate emergency.</p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/Banking-on-Digital-Growth"> <div class="div-block-137"> <div>04.11.2019</div> </div> <div class="text-block-167">Banking on Digital Growth</div> <p class="paragraph-32"></p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/Beyond-Digital-Lipstick-Directors-Role-in-the-Era"> <div class="div-block-137"> <div>27.05.2019</div> </div> <div class="text-block-167">Beyond Digital Lipstick: Directors' Role in the Era of Virtual Financial Institutions</div> <p class="paragraph-32"></p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/Diversifying-the-Board-for-the-Technology-Age"> <div class="div-block-137"> <div>23.02.2019</div> </div> <div class="text-block-167">Diversifying the Board for the Technology Age</div> <p class="paragraph-32"></p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/Building-Competent-Board-Leaders"> <div class="div-block-137"> <div>23.05.2018</div> </div> <div class="text-block-167">Building Competent Board Leaders</div> <p class="paragraph-32"></p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/FIDE-FORUM-Launches-Book,-App"> <div class="div-block-137"> <div>14.12.2017</div> </div> <div class="text-block-167">FIDE FORUM Launches Book, App</div> <p class="paragraph-32">It aims to promote corporate governance and help directors better serve their organisations.</p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/Good-board-leadership-enhances-strong-corporate-go"> <div class="div-block-137"> <div>14.12.2017</div> </div> <div class="text-block-167">Good board leadership enhances strong corporate governance</div> <p class="paragraph-32">Strong corporate governance in financial institutions (FIs) is driven by good board leadership...</p> </a> </div> <div id="w-node-_3272dfa8-dd95-ae2c-ae98-f871fb190486-eaec8ed2" class="div-block-136 newsroom"> <a href="/Media-center/In-the-news/Buku-panduan-pengarah-FI-dilancar"> <div class="div-block-137"> <div>14.12.2017</div> </div> <div class="text-block-167">Buku panduan pengarah FI dilancar</div> <p class="paragraph-32">FIDE FORUM (the FORUM), Persatuan Alumni Pengarah Institusi Kewangan (FI) di Malaysia, semalam melancarkan buku panduan bertajuk DNA of a Board Leader...</p> </a> </div> </div> <div class="div-block-139"> <div id="p_lt_ctl06_pageplaceholder_p_lt_ctl00_MediaListing_pnlPager" class="Pager"> <div id="p_lt_ctl06_pageplaceholder_p_lt_ctl00_MediaListing_uniPager"> <a href="javascript:__doPostBack('p$lt$ctl06$pageplaceholder$p$lt$ctl00$MediaListing$uniPager','1')">|<</a> <a href="javascript:__doPostBack('p$lt$ctl06$pageplaceholder$p$lt$ctl00$MediaListing$uniPager','1')"><</a> <strong>1</strong> <a 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" 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