
Meet the Market Leader
As-Sidq™ - A Fixed-Rate Tawarruq Commodity Trading Platform for Islamic Personal Finance & more

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Money
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As-Sidq is a Tawarruq commodity trading system for Financial Institutions. As a one-stop solution, the system assists FSIs to market, identify and approve Islamic Financing. The trading systems can utilise telecommunication airtime credit as the trading commodity which makes the trade more accurate, real-time and independent of Bursa. The benefits include 24/7 and branchless operations with a disbursement time of under 10 minutes. Administrative operation time can be reduced by over 60% to approximately 3 man-hours per transaction.
As-Sidq is Sedania’s proprietary, patented software platform which is robust and scalable – with a proven track record of over RM37 billion accumulated transaction value.
The fully-Sharia compliant service, which is easily integrated into existing system and proceesses via API, is currently being utlilised by over 40 financial institutions in Malaysia. Of course, As-Sidq is also available as ready-plugin within our Digital Banking Hub.
Our Trading Platform.
Our web-based B2B trading platform allows 24/7 and branchless operation.
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The solution integrates where required via API to your core banking system.
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Our existing customers achieve an average operation performance improvement of over 25% in their respective departments.




Our platform was designed specifically for your Islamic banking teams with the aim to automise and optimise your banking operations.
Let our platform reduce your workload by over 50% and increase your loan processing by over 20%. Every day and everywhere.
Learn more about our key features.
Features
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DashboardPinPoinn’s Dashboard is a web interface that enables user to access and set parameters. Information such as real time tracking, driving history, speed alert and geo-fencing setting can be viewed and defined in the Dashboard.
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Geo-fencingGeo-fencing is a virtual perimeter or boundary that can be set up via PinPoinn’s Dashboard. The Geo-fenced area will be displayed on the online map accessible from the PinPoin Dashboard. An alert message will be sent through email or SMS if the vehicle crosses the Geo-fence perimeter.
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Driver IdentificationWith the Driver ID feature, only a driver with the ID tag will be able to start the vehicle. Any attempt to start the vehicle by hot wiring will trigger an alert to the PinPoinn Response Centre.
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Driving HistoryAll driving information such as driving route, speed, date and time are recorded in PinPoinn’s database server. Users are able to view their driving history and trip detail information at any time. Similar to the video replay, driving history can be viewed via the Pinpoinn Dashboard.
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Speed Violation AlertThe speed of your vehicle is always recorded in the PinPoinn GPS server. A speed limit can be set and an alert message will be sent through email or SMS when the speed of the vehicle exceeded the pre-set limit.
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Real Time TrackingUtilization of Vehicle Real Time Tracking allows owners to view the current location of their vehicle anytime, anywhere. The position will be displayed on the PinPoinn Dashboard.
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Vehicle Status IndicatorUsers are able to check and monitor vehicle status at any time regardless of whether the system is turned on or off.
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Anti-towing (Motion Sensor)Once the vehicle is parked and the ignition is turn off, the PinPoinn GPS unit will be armed in a Standby Mode. If there is any attempt to move or steal the vehicle by towing, an email or SMS alert will be sent to the owner.
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ImmobilizerIn the event that the vehicle is hijacked, the owner can alert PinPoinn’s Response Centre and a command can be sent remotely to the PinPoinn GPS unit installed in the vehicle to immobilize and turn off the engine.
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Tampering AlertIf someone tries to disconnect the power supply to the PinPoinn GPS unit, an email or SMS alert will be sent immediately to the owner to notify them of such an event.
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Software Auto UpdateFrom time to time, the PinPoinn software will require updates which will be done automatically. No visit to the service centre is required.
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E-mail/SMS NotificationWhen there is a notification or signal generated to respond to an alert or any preset parameter, the user will receive a notification either by email or SMS.
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Maintenance Record and NotificationsThe PinPoinn Dashboard allows the user to record the maintenance activities and notification which can be set before the next maintenance.
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External Backup BatteryThe PinPoinn GPS unit comes with an internal rechargeable battery. When power from the vehicle is lost or tampered with, the PinPoinn GPS device will continue to function normally.
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Panic ButtonA hidden panic button can be installed in your vehicle. If this button is pressed, it will send a distress signal to the PinPoinn Response Centre.
Our Shariah Advisors


Prof Madya. Ust Dr Zaharuddin Abdul Rahman
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Dr. Zaharuddin Abd Rahman is one of those Shariah scholars in Fiqh, Usul al-Fiqh and Fiqh Muamalat including Islamic Banking and Finance, he possess both strong academic research background and hands on Islamic finance application in the Islamic banks. He obtained his first degree in Usuluddin from University Malaya of Malaysia, Master degree in Fiqh and Usul Fiqh from Al-Yarmouk University, Jordan and PhD in Islamic Studies and Finance from University of Wales, United Kingdom.


Prof Madya. Dr Aznan Hasan
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Dr. Aznan Hasan was educated at the University of Al-Azhar, Egypt where he obtained a Bachelor in Shariah (Hons.) in 1994. He holds a Master in Shariah (First Class) from Cairo University, Egypt and a Ph.D from University of Wales, Lampeter, United Kingdom. Dr. Aznan Hasan is an Assistant Professor in Islamic law and the former Head of Islamic Law Department, Ahmad Ibrahim Kulliyyah of Laws, International Islamic University Malaysia. He teaches subjects such as Islamic Legal Theory, Islamic Commercial Law and Islamic Banking and Finance at both undergraduate and postgraduate levels.
Some of our Customers











