Malaysia is included in Standard Chartered's Emerging Affluent Study for the first time in 2018. The report reveals some fascinating insights into the financial habits and trends among Malaysians earning about RM8,000 per month or higher. How much of the local population does the emerging affluent include, and how financially savvy are they? Plus, as more digital financial tools become available, Fernando explains how local banks can help Malaysians overcome their financial knowledge gap and accelerate their upward social mobility.