KOTA KINABALU, November 9, 2023 – Embarking on a transformative journey into the digital era, the Sabah government, through its subsidiary Sabah Credit Corporation proudly unveils ‘Yono’ with the purpose of contributing to the socio-economic development of Sabah. As an acronym for ‘You Only Need One’, Yono has the aim to be the singular, comprehensive solution for the diverse financial needs of the citizens.

Koha Digital Holding Sdn. Bhd. (“Koha Digital”) proudly joins as a partner in this venture, marking a significant step towards a unified, all-in-one solution for the financial needs of Sabahans.


State Finance Minister Datuk Seri Masidi Manjun, who officiated the grand launch at Sabah International Convention Centre (“SICC”) said that “YONO is designed to simplify your lives, offering a suite of services that cater to every aspect of your financial needs. YONO acts as a bridge between government departments and the people in Sabah. It is not merely a transaction tool, it is a convenience tool. This app breaks down barriers and brings services closer to the people, creating a more interconnected and responsive government. We are not just embracing technology; we are empowering our citizens, enhancing transparency, and building a stronger, more prosperous Sabah.

About Sabah Credit Corporation:

The Sabah Credit Corporation is a statutory body fully owned by the Sabah State Government in Malaysia and operates under the purview of the Sabah State Ministry of Finance.

The Corporation primary objective is to help contribute towards the socio-economic development of the State of Sabah. In its capacity as a financial institution, the Corporation complements the Sabah State Government’s efforts by providing or facilitating financial credits to promote and encourage private investment involving agriculture, light industry, development of rural and urban housing, shophouses and public utilities and amenities.

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About Koha:

Koha is a Malaysian developed next-gen fintech platform for legacy planning. Our comprehensive solution fosters trust and engages people throughout their life journey by providing integrated education sharing, innovative personal financial health and legacy planning, charitable distribution of wealth after death, and personalised video or letter messages to their loved ones. Our goals are to encourage everyone to plan their legacy for the inevitable event with ease and clarity, to maintain family harmony, and to encourage charitable giving to social causes. For more information or to plan your own Will, go to