With the end of Vision 2020, Malaysia faces a serious question: what lies ahead? The landscape has shifted significantly since the last financial crisis, exposing deep structural weaknesses that demand urgent reform. While the banking system has long been the foundation of Malaysia’s economic model, it is increasingly clear that this approach is unsustainable. Global financial shifts and internal inefficiencies have compounded these challenges, making economic transformation imperative. To secure sustainable growth, Malaysia must break away from debt-driven expansion, rethink its banking and investment frameworks, and embrace bold, strategic reforms that foster resilience and innovation.