Hi Sun Global (HSG) today announced a key milestone in its partnership with Ryt Bank (YTL Digital Bank Berhad), as the world’s No. 1 AI-powered bank surpassed 1.2 million customers in just over seven months since launch, marking it as one of the fastest growth trajectories in Southeast Asia’s digital banking landscape.
Powered by HSG’s full-stack core banking platform, Ryt Bank has rapidly scaled its operations while delivering a new model of digital banking built from the ground up around artificial intelligence.
Unlike traditional banks that layer AI capabilities onto legacy systems, Ryt Bank was designed to be AI-native from day one. Its architecture integrates proprietary AI agents developed by YTL AI Labs on top of ILMU, Malaysia’s sovereign LLM, directly into the banking experience to enable conversational banking, personalized financial management, real-time credit decisions, and enhanced fraud detection.
A Modern Core Enabling AI-Native Innovation
At the foundation of this approach is HSG’s modern, cloud-native core banking system, providing the flexibility, scalability, and reliability required to support rapid growth and continuous innovation.
HSG’s full-stack solution that spans Core Banking, Loan Origination (LOS), Loan Management (LMS), and Regulatory Reporting, enables Ryt Bank to offload complex banking infrastructure, allowing its technology team to focus on building differentiated, AI-driven products.
“Hi Sun Global provides us with a solid core banking system as a foundation, allowing us to confidently build differentiated AI-first banking microservices ourselves. We chose to embed AI into the banking experience from day one, not as an afterthought.”
— Nic, CTO, Ryt Bank
Driving Real-World Growth and Engagement
Ryt Bank’s growth reflects not just rapid customer acquisition, but strong and increasing user engagement driven by its AI-native approach.
• 1.2 million customers onboarded in just over 7 months
• Transaction volumes have grown over 30× since launch
• Strong and growing adoption of AI-powered banking experiences with >50% of users using Ryt AI to perform banking functions
This combination of scalable infrastructure and AI-native design has enabled Ryt Bank to achieve rapid growth while maintaining operational efficiency.
“From zero to 1.2 million customers in just over 7 months, this milestone reflects how quickly customers are embracing a simpler, AI-native way of banking. With Hi Sun Global’s flexible and battle-tested core, we’ve been able to move fast, innovate continuously, and deliver meaningful experiences at scale.”
— Wilson, CEO, Ryt Bank
A New Model for Digital Banking
Ryt Bank’s trajectory highlights a new model for the industry that combines AI-native architecture with modern core banking infrastructure.
By entrusting foundational systems to specialist partners like HSG, banks can focus on delivering differentiated customer experiences while ensuring security, compliance, and scalability.
“Ryt Bank’s growth reinforces our conviction that the conditions for AI-native banking are here,” said Renzo Liu, Vice President at Hi Sun Global. “As they continue to expand into new products and customer segments, we remain committed to supporting their growth and innovation.”
For more information, visit www.rytbank.my
