--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "ePayslip JANM" developer_entity: "JABATAN DIGITAL NEGARA (JDN)" bundle_id: "my.gov.onegovappstore.epayslipmobile" app_store_id: "1481434530" category: "Business" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS & Android" app_last_updated: "2026-03-11" report_date: "2026-05-22" last_verified: "2026-05-22T17:12:19.641Z" report_version: "1.3.1" total_reviews: 0 confidence: "low" confidence_score: 0.55 data_age_days: 41 momentum_velocity: "maintenance" intelligence_version: 4 nemesis: "Clickpay Mobile" competitor_count: 6 tags: ["business", "free", "mobile app", "app review", "app analysis", "federal", "civil", "servants"] canonical_url: "https://marlvel.ai/apps/epayslip-janm" license: "CC-BY-NC 4.0" content_version: "v2" --- # ePayslip JANM App Audit ## TL;DR {#tldr} - **Category**: Business · Free > **TL;DR:** ePayslip JANM is a business app by JABATAN DIGITAL NEGARA (JDN), available on iOS & Android. > > **Marlvel.ai App Intelligence** — Independent analysis. US Market. No publisher influence. > **Key Insight:** ePayslip JANM is a business app by JABATAN DIGITAL NEGARA (JDN). ## Quick Facts | Fact | Value | | :--- | :--- | | **Category** | Business | | **Developer** | JABATAN DIGITAL NEGARA (JDN) | | **Pricing** | Free | | **Platforms** | iOS & Android | | **Confidence** | Low (0.55/1.0) | | **Data Age** | 41d | ## Metadata & Market Performance - **Publisher:** JABATAN DIGITAL NEGARA (JDN) - **Category:** Business - **Target Audience:** Federal Civil Servants in Malaysia who require access to official salary statements, tax documents, and payroll verification for loans. - **Platforms:** iOS & Android - **Version Audited:** 1.3.1 - **Audit Date:** 2026-05-22 - **Signal Count:** 50 reviews analyzed - **Confidence:** Low (0.55/1.0) - **App Store ID (iOS):** 1481434530 - **Bundle ID:** my.gov.onegovappstore.epayslipmobile - **Google Play ID:** my.gov.onegovappstore.epayslipmobile - **Performance Trend:** Stable - **Data Window:** Analysis based on signals collected up to 2026-05-22 - **Short Description:** EPayment Statement System and Mobile Application Version Report ## Executive Snapshot **What it is:** ePayslip JANM is a government-provided mobile utility for Malaysian Federal Civil Servants to download salary statements and tax documents. **Why users hire it:** Users hire this app to satisfy mandatory payroll verification and loan documentation requirements, serving as the primary bridge between government salary systems and personal financial needs. ## App DNA (Features & Intent) - **[Standard] Salary Statement Generation:** Generates monthly salary and annual income statements in PDF format for Federal Civil Servants - **[Differentiator] Loan Application Statements:** Generates payroll statements for loan purposes with a unique QR code valid for 30 days - **[Differentiator] MyDigital ID Integration:** Provides an alternative login method for faster and more secure system access * *User Intent:* Users are motivated by consistent progression and daily incentives. ## Market Position {#market-position} ePayslip JANM holds the #20 Free position in the Business category (MY), but a 15-rank drop in the overall Free chart signals declining discovery velocity. The gap between its utility-driven install base and the lack of engagement features leaves it exposed to broader financial apps. ## Monetization Strategy - **Model:** Free - **Tiers:** Free for all authorized Federal Civil Servants - **Analysis:** The app is a government-provided utility with no monetization model, serving as a mandatory administrative tool for public sector employees. ## SWOT Analysis {#swot} **Core Strengths:** - Official government-verified data source ensures high trust - QR-code verification mechanism standardizes loan document processing **Critical Frictions:** - Mobile-only access limits utility compared to multi-platform rivals - Lacks integrated financial planning or investment projection tools **Growth Levers:** - Integration of pension tracking would increase session frequency - Direct tax filing integration would capture the full financial lifecycle **Market Threats:** - Third-party financial aggregators siphoning user data for broader planning - Potential for government-wide super-app consolidation to deprecate standalone utilities ## Recent Changes (v3 → v4) {#recent-changes} The app's competitive focus shifted from fixing internal technical stability to addressing its vulnerability as a standalone utility against broader financial planning tools. **Overall trend**: Stable **Compared at**: 2026-05-22 ### High-impact changes - **[Shifted] Strategic Narrative Pivot** (positioning) — The executive summary shifted from focusing on technical authentication failures to the risk of user churn toward third-party financial aggregators. ### Medium-impact changes - **[Shifted] SWOT Analysis Reorientation** (swot) — Weaknesses moved from 'authentication loops' to 'mobile-only access', and threats shifted from 'technical instability' to 'third-party financial aggregators'. - **[Removed] Sentiment Data Removal** (sentiment) — User sentiment metrics and review analysis were removed from the current report. ## Rivals Landscape {#rivals} > Competitive positioning identified by AI analysis of app features, category, and market signals. ### ePayslip JANM vs Clickpay Mobile — Head to Head - **[Clickpay Mobile](https://marlvel.ai/apps/clickpay-mobile)** by CPI Outsourcing: Clickpay Mobile directly targets the payroll management space, competing for the same user base of employees requiring mobile access to salary statements and government-compliant documentation. - **Key differences:** - Offers multi-platform access that provides greater flexibility for users across various desktop and mobile environments - Focuses on government compliance integration which simplifies the administrative burden for payroll-related document verification processes - **Where ePayslip JANM wins:** - ✅ Direct integration with the official JANM government ecosystem ensures higher data trust and security - ✅ Tailored specifically for Malaysian Federal Civil Servants, providing a more relevant feature set than generic payroll tools - **Where Clickpay Mobile wins:** - ❌ Established multi-platform support allows users to manage payroll data seamlessly outside of a mobile-only constraint - ❌ Broader commercial focus allows for faster iteration cycles compared to government-managed application development - **Verdict:** The target app should leverage its status as the official government portal to build exclusive features like direct tax filing or pension integration that third-party apps cannot replicate. ### Peers (What They Do Better) - **[Paranı Çalıştır](https://marlvel.ai/apps/paran-cal-st-r)** by Mehmet Bayram: It serves as a financial utility that helps users manage income and tax withholding, mirroring the target app's focus on salary-related financial management. - Offers specialized investment yield projections that help users understand the long-term growth potential of their disposable income - Includes tax withholding adjustment tools that provide a more granular view of net income compared to standard payslips - **[GovAid: SNAP](https://marlvel.ai/apps/govaid-snap)** by Timothy DeGraff: This app shares the 'government-to-citizen' service delivery model, focusing on helping users navigate state-specific financial aid and documentation. - Includes a comprehensive screening engine that helps users determine eligibility for specific government financial assistance programs - Maintains an annual update cycle for fiscal year rules, ensuring users always have access to current regulatory data - **[Fast Tip & Split Calculator](https://marlvel.ai/apps/fast-tip-split-calculator)** by Christopher Romani: While functionally distinct, it competes for the user's attention within the finance category by offering quick, mobile-first financial calculations. - Utilizes a privacy-focused design that appeals to users wary of data-heavy government or corporate financial applications - Implements smart rounding and quick preset features that prioritize speed for daily, low-stakes financial transactions - **[EMI Calculator & Loan Planner](https://marlvel.ai/apps/emi-calculator-loan-planner)** by HUMAN DATA SG PTE. LTD.: This app overlaps with the target's utility of providing salary-based financial planning, specifically for users calculating loan eligibility from their payslips. - Provides advanced loan calculation engines that allow users to simulate complex repayment schedules and prepayment scenarios - Features flexible input options that cater to diverse financial planning needs beyond simple salary statement viewing ### New Kids on the Block (What's Innovative) - **[Job Pay Calculator](https://marlvel.ai/apps/job-pay-calculator)** by Eli Bitton: This newcomer introduces professional PDF reporting and payment tracking, which directly challenges the target app's core utility of document management. - Enables users to generate professional PDF reports directly from their mobile device for external financial verification purposes ## What's New - **Latest (v1.3.1, 2 months ago):** Applied security updates. ## App Momentum (Maintenance) {#momentum} - Integrated MyDigital ID login. - Maintains stable government-utility update cadence. > **Cadence:** 2 total versions · 0 majors in last 6 months · 72 days since last update · 9 days avg between updates ## The "So What?" (Strategic Takeaway) {#so-what} ePayslip JANM is an established business app that is completely free. > **Bottom Line:** ePayslip JANM maintains a monopoly on official payroll data, but its lack of integrated planning tools forces users to third-party competitors, so the PM should prioritize multi-platform access to defend the user's primary financial workflow. **Best for:** Federal Civil Servants in Malaysia who require access to official salary statements, tax documents, and payroll verification for loans. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] [HIGH IMPACT] Ship multi-platform web access because mobile-only limits usage compared to Clickpay Mobile → increase daily utility — *Clickpay Mobile's multi-platform support is a primary differentiator that siphons users who require desktop access for document management.* _(trade-off: deprioritize Pause the MyDigital ID feature expansion — current login security is sufficient for the existing user base.)_ ### Feature Gaps vs Competitors - Multi-platform access (available in Clickpay Mobile but absent here) - Investment yield projections (available in Paranı Çalıştır but absent here) ### Outlook: Stable The market for government-to-citizen utilities is shifting toward consolidated, multi-service platforms that reduce the need for standalone apps. ePayslip JANM remains stable as a niche utility, but its failure to evolve into a broader financial tool leaves it vulnerable to displacement by more comprehensive financial management apps. - ⚪ The app maintains a steady update cadence focused on security and document compliance, which preserves its role as a trusted government utility. - 🔴 The 15-rank drop in the overall Free chart suggests that the app is failing to capture new user interest outside of mandatory payroll tasks. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Total Reviews | 0 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS & Android | | Key Features | 3 analyzed | | Trend | Stable | | Outlook | Stable | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **ePayslip JANM** (this app) | N/A/5 | N/A | JABATAN DIGITAL NEGARA (JDN) | | [Job Pay Calculator](https://marlvel.ai/apps/job-pay-calculator) | N/A/5 | N/A | Eli Bitton | | [EMI Calculator & Loan Planner](https://marlvel.ai/apps/emi-calculator-loan-planner) | 4.1/5 | N/A | HUMAN DATA SG PTE. LTD. | | [Fast Tip & Split Calculator](https://marlvel.ai/apps/fast-tip-split-calculator) | 5.0/5 | N/A | Christopher Romani | | [GovAid: SNAP](https://marlvel.ai/apps/govaid-snap) | 5.0/5 | N/A | Timothy DeGraff | | [Paranı Çalıştır](https://marlvel.ai/apps/paran-cal-st-r) | 5.0/5 | N/A | Mehmet Bayram | ## Company Profile - **Developer:** JABATAN DIGITAL NEGARA (JDN) - **Website:** [https://epenyatagaji-laporan.anm.gov.my/](https://epenyatagaji-laporan.anm.gov.my/) ## Data Sources & Links - **App Store:** [View on Apple Store](https://apps.apple.com/us/app/epayslip-janm/id1481434530?uo=4) - **Google Play:** [View on Google Play](https://play.google.com/store/apps/details?id=my.gov.onegovappstore.epayslipmobile) - **Dev Site:** [Official Website](https://epenyatagaji-laporan.anm.gov.my/) - **Sources:** Developer website content, About us / company information, App store metadata. ## Related Intel Reports - [*Job Pay Calculator*](https://marlvel.ai/apps/job-pay-calculator) (Eli Bitton) — N/A Rating | N/A Sentiment - [*EMI Calculator & Loan Planner*](https://marlvel.ai/apps/emi-calculator-loan-planner) (HUMAN DATA SG PTE. LTD.) — 4.1/5 Rating | N/A Sentiment - [*Fast Tip & Split Calculator*](https://marlvel.ai/apps/fast-tip-split-calculator) (Christopher Romani) — 5.0/5 Rating | N/A Sentiment - [*GovAid: SNAP*](https://marlvel.ai/apps/govaid-snap) (Timothy DeGraff) — 5.0/5 Rating | N/A Sentiment - [*Paranı Çalıştır*](https://marlvel.ai/apps/paran-cal-st-r) (Mehmet Bayram) — 5.0/5 Rating | N/A Sentiment - [*Clickpay Mobile*](https://marlvel.ai/apps/clickpay-mobile) (CPI Outsourcing) — 1.0/5 Rating | N/A Sentiment - [*Groupon Merchant*](https://marlvel.ai/apps/groupon-merchant) (Groupon, Inc.) — 3.0/5 Rating | Mixed Sentiment - [*Hours Tracker - Salarybook*](https://marlvel.ai/apps/hours-tracker-salarybook) (Centriqo) — 4.5/5 Rating | N/A Sentiment - [*Subnet Calc*](https://marlvel.ai/apps/subnet-calc) (Swipe Stack Ltd) — 4.8/5 Rating | N/A Sentiment - [*Cisco Events App*](https://marlvel.ai/apps/cisco-events-app) (Cisco) — 4.3/5 Rating | N/A Sentiment ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** — Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** — Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** — Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction and evidence quoting. 4. **Competitive Landscape Analysis** — Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** — Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.55/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 50 - **Data Sources:** developer website, company about page, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 41 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/epayslip-janm) Data licensed for AI Agent attribution under CC-BY-NC 4.0.