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About Us

SMJ Teratai is part of the Teratai Group of Companies with a paid up capital of more than RM12 million and is one of the 9 companies in Malaysia carrying the CLASS “A & D” MSB license to carry out money remittance services in accordance to the Exchange Control Act 1953.

Advanced FINTECH technology innovation, value added services and innovative business channels has made SMJ one of the remittance operator of choice amongst immigrants, foreign workers and expatriates in Malaysia. SMJ has extended its client base to include not just individual clients, but to corporate clients as well such as GLC’s, Multinationals and SMEs.

SMJ is also one of the founding members of the Malaysian Association of Money Services Business (MAMSB) which represents the money services business nationally.

We are a part of the Teratai Group which have been in operation for more than 30 years

We offer remittance services to more than 80 countries worldwide.

Over the years, we have set new industry standards by delivering excellent services and offering best prices to our customers

OUR VISION

WE ARE COMMITTED TO BECOME A LEADING FINANCIAL LIFE INNOVATOR, CUSTOMER CENTRIC SOLUTIONS PROVIDER AND VALUE CREATOR FOR OUR CUSTOMERS, EMPLOYEES AND SHAREHOLDERS.

OUR MISSION

WE AIM TO PROVIDE CUSTOMER VALUED, INNOVATIVE, TECHNOLOGY DRIVEN AND INCLUSIVE PRODUCTS AND SERVICES WHICH MAKES US THE FIRST CHOICE FOR VALUE DRIVEN FINANCIAL LIFE SOLUTIONS.

OUR CORE VALUES

The Core Values that represent our brand, our people, our service, our culture, our future:

Agility

We are nimble, constantly innovating, learning and evolving to get better. We drice innovations based on our customers' needs and to achieve our vision.

Teamwork

We work together to find the best solutions for delivering excellent results, fulfilling our customers' needs and accomplishing our mission.

Passion

We perform our tasks with passion to get things done effectively, timely, and on budget to achieve our targets.

Resiliency

We see challenges as opportunities to excel and to improve our performance. We tackle and overcome all challenges with resilience and by thinking out of the box.