MyCash Online is a virtual banking platform for migrant workers in Malaysia and Singapore who do not have access to banks or credit cards. It provides easy: secure and convenient services including online banking: a remittance platform and access to an e-marketplace.The platform allows them to generate a credit rating: pay their bills or purchase essential products and services such as bus tickets or top ups for their mobile phone.Through MyCash Online: migrant workers are able to overcome key barriers to accessing services: improving quality of life and increasing economic participation.