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Category: Money

Explore opportunities to boost your income in Cambodia with Angkor Times. From insightful blogs on starting a business, investing, and making money online, to updates on the latest trends in startups and SMEs in Cambodia, this category offers practical tips and strategies to help you succeed in the Cambodian market. Stay informed and take your financial journey to the next level.

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Angkor Times
Angkor TimesExperienced
Asked: November 7, 2023In: Money

How Will DEFA Impact Small Businesses in the ASEAN Region?

Cambodia Takes the Lead in Digital Economy as ASEAN Negotiates DEFA Deal As ASEAN launches negotiations for the world’s first regional Digital Economy Framework Agreement (DEFA), Cambodia stands out as a key player in promoting digital corridors within the region. The ...Read more

Cambodia Takes the Lead in Digital Economy as ASEAN Negotiates DEFA Deal

As ASEAN launches negotiations for the world’s first regional Digital Economy Framework Agreement (DEFA), Cambodia stands out as a key player in promoting digital corridors within the region. The ambitious initiative was launched during the ASEAN Economic Ministers (AEM) meeting held in Semarang, Indonesia, and seeks to pave the way for the integration of digital trade and digital payments in Southeast Asia. DEFA’s potential impact is substantial, with the successful implementation expected to double the value of the regional digital economy to $2 trillion by 2030, a goal that some experts consider challenging due to the tight timeline set for negotiations.

Cambodia Takes the Lead in Digital Economy as ASEAN Negotiates DEFA Deal
Cambodia Takes the Lead in Digital Economy as ASEAN Negotiates DEFA Deal

ASEAN member states have made significant headway in bilateral digital economy cooperation through arrangements such as cross-border payment agreements. These smaller-scale initiatives, like bilateral Digital Economy Agreements (DEAs), are guiding the development of DEFA provisions on a regional scale. The commitment and momentum displayed by ASEAN Member States (AMS) to move forward with DEFA negotiations are evident, and there is optimism regarding the prospect of DEFA becoming a reality.

Cambodia plays a vital role in expanding digital economy cooperation, having finalized cross-border payment agreements with neighboring countries like Thailand and Laos, with plans for similar agreements with Vietnam and other nations beyond the region. These cross-border payment agreements enable Cambodians to make digital payments for goods and services using KHQR, the universal QR code for Cambodian commercial banks and financial institutions, facilitating remittances and cross-border money transfers. The Director General of Central Banking at the National Bank of Cambodia (NBC) also envisions establishing cross-border digital payment corridors with countries like China, India, Japan, and Malaysia in the near future, with negotiations underway for agreements with Indonesia and Morocco.

Cambodia’s government and the NBC have prioritized promoting digital payments, recognizing their positive impact on social and economic development, as well as facilitating remittances from migrant workers. The adoption of digital technologies has accelerated due to healthy competition among Cambodian banks.

The digitalization of trade documents, such as the ASEAN Single Window and electronic Certificate of Origin form, aims to reduce transaction time, costs, and promote international trade, particularly benefiting small and medium-sized enterprises (MSMEs). These initiatives provide a platform for AMS to learn from best practices and exchange information on relevant topics, promoting seamless cross-border trade within the region.

DEFA covers nine core elements, including digital trade, cross-border e-commerce, cybersecurity, digital identities, digital payments, cross-border data flows, and emerging topics like Artificial Intelligence (AI) governance and ethics. The Framework for Negotiating DEFA sets the stage for discussions and negotiation processes. Thailand chairs the ASEAN DEFA Negotiating Committee, with participation from all ten AMS, and negotiations are set to conclude by 2025, with meetings scheduled for 2023, 2024, and 2025.

The ASEAN Digital Integration Index (ADII) assesses digital readiness and logistics in the region. Different levels of readiness among member states are observed, with some ready for DEFA implementation while others require support. Challenges related to data protection and cybersecurity need to be addressed to ensure a smooth transition to the digital economy, considering the varying regulations and practices related to data protection across borders.

Cambodia’s active role and experience in bilateral agreements position it as a key player in the ASEAN Digital Economy Framework Agreement (DEFA) negotiations, holding the potential to significantly impact the regional digital economy. Nevertheless, challenges like data protection and cybersecurity need to be addressed as ASEAN strives to accelerate digital integration and increase the participation of micro, small, and medium enterprises (MSMEs) in the economy.

Recap

Launching the ASEAN Digital Economy Framework Agreement (DEFA)

ASEAN embarks on negotiations for the world’s first regional Digital Economy Framework Agreement (DEFA). Cambodia stands out as a key player in promoting digital corridors within the region.

DEFA’s Potential Impact

DEFA’s successful implementation could potentially double the regional digital economy’s value to $2 trillion by 2030. Ambitious timeline set for DEFA negotiations, aiming to complete them by 2025.

Leveraging Bilateral Agreements

ASEAN member states have made headway in bilateral digital economy cooperation, such as cross-border payment agreements. Smaller-scale initiatives, like bilateral Digital Economy Agreements (DEAs), guide the development of DEFA provisions.

Cambodia’s Expanding Role

Cambodia actively participates in cross-border payment agreements with neighboring countries and plans to expand to more nations. The use of KHQR (universal QR code) facilitates digital payments, remittances, and cross-border money transfers.

Prioritizing Digital Payments

Cambodia’s government and National Bank are committed to promoting digital payments to boost social and economic development. Competition among Cambodian banks accelerates the adoption of digital technologies.

Beyond Payments: ASEAN Single Window

Initiatives like ASEAN Single Window and electronic Certificate of Origin form enhance trade among member states. The digitalization of trade documents aims to reduce transaction time, costs, and promote international trade, especially for MSMEs.

Core Elements of DEFA

DEFA covers nine core elements, including digital trade, cross-border e-commerce, cybersecurity, digital identities, digital payments, cross-border data flows, and emerging topics like AI governance and ethics. The Framework for Negotiating DEFA sets the stage for discussions and negotiation processes.

DEFA Negotiation Timeline

Thailand chairs the ASEAN DEFA Negotiating Committee, with participation from all ten ASEAN member states. Negotiations are scheduled to conclude by 2025, with meetings set for 2023, 2024, and 2025.

Digital Integration and Challenges

The ASEAN Digital Integration Index (ADII) assesses digital readiness and logistics in the region. Different levels of readiness among member states, with some ready for DEFA implementation, while others require support.

Data Protection and Cybersecurity

Cross-border data flow presents challenges related to privacy and data protection regulations. Stakeholders urged to create cybersecurity awareness and develop a more robust data protection framework.

Financial Inclusion and KHQR

Digital payment initiatives contribute to increased financial inclusion in Cambodia. The KHQR system records substantial transactions, supporting Cambodia’s digitalization goals.

In Conclusion

Cambodia’s active role and experience in bilateral agreements position it as a key player in the ASEAN Digital Economy Framework Agreement (DEFA) negotiations.

DEFA’s potential impact is significant, with the goal of doubling the regional digital economy’s value by 2030.

Challenges like data protection and cybersecurity need to be addressed to ensure a smooth transition to the digital economy.

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SOVANN
SOVANNExperienced
Asked: November 29, 2020In: Money

What business registration and permits would be required to supply duty-free retail in international flights?

Love to see your suggesstion. Thanks Read more

Love to see your suggesstion. Thanks

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Angkor Times
Angkor TimesExperienced
Asked: May 9, 2025In: Money

How Will the Phnom Penh–Siem Reap–Poipet Expressway Boost Local and Regional Business?

Phnom Penh – Siem Reap – Poipet Expressway: Cambodia’s $4.2 Billion Game Changer for Business and Connectivity. In a country poised for rapid economic transformation, Cambodia’s third and most ambitious expressway project is set to revolutionize the landscape of domestic and ...Read more

Phnom Penh – Siem Reap – Poipet Expressway: Cambodia’s $4.2 Billion Game Changer for Business and Connectivity.

In a country poised for rapid economic transformation, Cambodia’s third and most ambitious expressway project is set to revolutionize the landscape of domestic and regional trade, tourism, and investment. The Phnom Penh – Siem Reap – Poipet Expressway, a $4.2 billion mega infrastructure initiative, is more than just a road—it is a new lifeline that promises to redefine connectivity across Cambodia’s key economic and cultural corridors.

Phnom Penh–Siem Reap–Poipet Expressway​ Project
Phnom Penh–Siem Reap–Poipet Expressway​ Project

Backed by a completed feasibility study and currently awaiting final governmental approval, the expressway will run from Win-Win Boulevard in Phnom Penh through Siem Reap, the kingdom’s cultural heartbeat, and terminate in Poipet, a bustling border city linking Cambodia with Thailand. Spanning approximately 400 kilometers, this expressway will be the longest and most impactful highway ever constructed in the country.

In this story, we dive into the full story of this expressway—from its conception and construction plans to its economic implications—and explore how it will supercharge local and regional businesses across multiple sectors.

🚧 The Road to Cambodia’s Third Expressway

Cambodia’s expressway development journey began with the Phnom Penh–Sihanoukville Expressway, inaugurated in 2022. It was a landmark project, cutting travel time and boosting logistics efficiency between the capital and the country’s most important deep-sea port. The success of this initial project laid the groundwork for the second expressway, Phnom Penh–Bavet, which connects Cambodia to Vietnam and is currently under construction.

Also read: What is Cambodia’s National AI Strategy? Why Does It Matter for Your Business?

Now comes the third and most ambitious leg in this national development plan: the Phnom Penh–Siem Reap–Poipet Expressway, also known as the PP–SR–Poipet Expressway. Spearheaded by China Road and Bridge Corporation (CRBC), the expressway is part of a broader national goal to improve transportation networks, stimulate economic growth, and enhance Cambodia’s integration into regional supply chains.

According to Cambodia’s Minister of Public Works and Transport, the expressway’s feasibility study has been completed, and the government is preparing to greenlight the project in the near future. The expressway will cover a distance of about 400 kilometers, reducing the travel time between Phnom Penh and Poipet from 8–9 hours to around 5 hours, with Siem Reap becoming a key stopover hub along the route.

🛣️ Route and Key Stops: A Strategic Blueprint

The expressway will start at Win-Win Boulevard in Phnom Penh, pass through Skun in Kampong Cham, then continue to Siem Reap, before reaching Poipet, a vital border city in Banteay Meanchey Province.

This route was deliberately chosen for both economic and strategic reasons:

  • Phnom Penh is Cambodia’s economic, political, and population center.
  • Siem Reap is the cultural heartland and a global tourism magnet, thanks to Angkor Wat.
  • Poipet serves as a vital trade gateway with Thailand and connects to major highways into Bangkok.

This alignment creates a high-potential economic corridor linking domestic and international trade routes, tourism destinations, and emerging industrial zones.

💡 10 Ways the Expressway Will Benefit Local and Regional Businesses

1. Boosting Domestic Trade and Logistics

Currently, transporting goods from Phnom Penh to Poipet takes over 8 hours on congested national roads. The expressway will dramatically reduce delivery times and logistics costs. It will streamline the movement of agricultural products, textiles, electronics, and machinery across provinces, improving supply chain efficiency for local manufacturers, exporters, and importers.

“Time is money in logistics. This expressway will cut delivery times in half, which can transform our competitiveness,” said Chan Boramey, a logistics consultant based in Phnom Penh.

2. Empowering SMEs Along the Corridor

Small and medium-sized enterprises (SMEs), particularly in Kampong Thom, Siem Reap, and Banteay Meanchey, will benefit from increased accessibility. Farmers will be able to bring products to markets faster, artisans can access more tourists, and food producers will reach national retailers more easily.

Increased connectivity also means rural entrepreneurs will gain better access to financing, training, and digital tools from the capital and international partners.

3. Reviving and Reimagining Siem Reap’s Tourism Sector

Post-pandemic, Siem Reap has been eager for a tourism revival. The expressway will make it significantly easier for both local and international tourists—especially those coming via Phnom Penh or Thailand—to travel to Siem Reap. Travel times from Phnom Penh to Siem Reap will fall from 6–7 hours to just around 3.5–4 hours.

Tour operators, hotels, and local artisans will benefit from more predictable travel patterns and increased visitor volumes. Weekend travel will also surge, encouraging a boom in short-stay domestic tourism.

4. Strengthening Regional Integration with Thailand

Poipet, which borders Thailand’s Sa Kaeo Province, is a major cross-border trade and transit point. The new expressway will reinforce this economic bridge by facilitating smoother flow of goods, services, and people between Cambodia and Thailand.

With upgraded transport logistics, Cambodia will attract Thai businesses seeking cheaper labor and access to Vietnam, creating new opportunities for industrial parks and service hubs along the corridor.

5. Enhancing Foreign Direct Investment (FDI)

Infrastructure is a key determinant for foreign investors. The expressway will make Cambodia more attractive for regional and global investors looking to set up operations in central and northern Cambodia.

Industrial zones and special economic zones (SEZs) in Kampong Thom, Siem Reap, and Poipet are likely to see new investment in manufacturing, logistics, hospitality, and renewable energy.

6. Job Creation and Human Capital Development

The construction and operation of the expressway are expected to generate thousands of jobs—from engineers and technicians to local suppliers and service providers. Once operational, the increased economic activity along the route will require a larger, more skilled workforce in tourism, logistics, retail, and maintenance sectors.

“Infrastructure creates both direct and indirect jobs. It changes the skill dynamics of entire regions,” said Sokha Neary, a Phnom Penh-based economist.

7. Unlocking Property and Real Estate Potential

Areas around major interchanges and rest stops—especially in Skun, Kampong Thom, and Siem Reap—are likely to become real estate hotspots. Investors are already eyeing these regions for hotels, gas stations, logistics centers, and housing developments.

Also read: How the Kra Canal Could Impact Cambodia’s Logistics System and Economy?

The expressway will also reduce congestion in urban centers by encouraging suburban development in areas along the corridor.

8. Catalyzing E-Commerce and Digital Economy Growth

Faster and more reliable transportation will support Cambodia’s growing e-commerce ecosystem. Online retailers will benefit from faster delivery times and wider reach, especially to previously underserved provinces.

This will also encourage more people in rural areas to engage in online selling, digital payments, and mobile logistics platforms.

9. Climate Resilience and Green Transport Opportunities

Although roads can increase carbon emissions, expressways like this one—with regulated traffic flow and better fuel efficiency—can actually lower emissions per vehicle. The expressway can also serve as a testbed for green transport, including electric vehicle infrastructure.

“Strategic expressways with good design and rest areas can integrate solar charging stations and EV-friendly services,” said an official from Cambodia’s Ministry of Environment.

10. Strengthening National Unity and Accessibility

Finally, perhaps the most profound long-term benefit is social integration. The expressway will allow people from different regions—urban and rural, rich and poor—to connect more easily. Access to healthcare, education, and emergency services will improve significantly in underserved provinces.

Also read: Will Property Prices Around Techo International Airport Skyrocket? Find Out Now!

This kind of infrastructure not only boosts the economy—it helps build a more inclusive and connected nation.

📊Economic and Political Implications

At an estimated cost of $4.2 billion, the Phnom Penh–Siem Reap–Poipet Expressway represents one of Cambodia’s largest infrastructure investments to date. Much of the financing is expected to come through a build-operate-transfer (BOT) model involving Chinese partners, similar to the Phnom Penh–Sihanoukville expressway.

Politically, the project underscores Cambodia’s ongoing partnership with China under the Belt and Road Initiative (BRI). It also strengthens Cambodia’s ASEAN regional integration strategy, linking its trade and tourism sectors more deeply with those of Vietnam, Thailand, and beyond.

📍 Development Timeline and What’s Next

As of mid-2025, the feasibility study has been completed and submitted to the Cambodian government. The project is awaiting formal approval and final agreements on financing, construction responsibilities, and timeline.

Assuming approval is granted in late 2025, construction could begin in early 2026 and take approximately 4–5 years, meaning the expressway may be operational by 2030—just in time to support Cambodia’s Vision 2030 goals for becoming a middle-income country.

🧭A Road to the Future

The Phnom Penh–Siem Reap–Poipet Expressway is more than a transportation project—it’s a visionary national asset that will reshape Cambodia’s economic geography, empower local businesses, and deepen cross-border collaboration with Thailand. From farmers in Kampong Thom to hoteliers in Siem Reap and exporters in Poipet, the benefits will ripple far and wide.

If Cambodia hopes to compete regionally and uplift its citizens economically, such strategic infrastructure investments are essential. This expressway is not just a road—it’s a bridge to prosperity.

What do you think about Cambodia’s upcoming Phnom Penh–Siem Reap–Poipet Expressway? Do you believe it will bring long-lasting benefits to your community or business?

👉 Share your thoughts in the comments or connect with us for more updates on Cambodia’s infrastructure future.


Sources:

  • Cambodianess – Expressway Awaits Go-Ahead
  • Khmer Times – Feasibility Study Completed
  • Construction & Property – Third Expressway $4B Plan
  • The Better Cambodia – Boosting Cambodia’s Connectivity
  • Kiripost – Boosting Economy and Tourism
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Angkor Times
Angkor TimesExperienced
Asked: February 26, 2024In: Money

How many factories are there in Cambodia?

Tracking Cambodia’s Industrial Growth: End of 2023 Factory Count Revealed As of the end of 2023, Cambodia boasts a total of 2,125 operational factories, marking a notable increase of 7.21 percent compared to the previous year, according to an official report ...Read more

Tracking Cambodia’s Industrial Growth: End of 2023 Factory Count Revealed

As of the end of 2023, Cambodia boasts a total of 2,125 operational factories, marking a notable increase of 7.21 percent compared to the previous year, according to an official report released on Tuesday.

The report, issued by the Ministry of Industry, Science, Technology, and Innovation, highlights the opening of 241 new factories alongside the closure of 98 establishments throughout the year.

Factory in Cambodia 2023
Factory in Cambodia 2023

These factories, spread across the nation, collectively represent an investment capital of US$18.56 billion, reflecting an 11.24 percent surge from the figures recorded in 2022, the report indicates.

Furthermore, the report underscores the productive output of these factories, with a production volume totaling US$16.36 billion in the past year. This demonstrates a notable increase of US$531 million, equivalent to 3.35 percent, compared to the previous year’s data.

H.E. Hem Vandy, Minister of Industry, Science, Technology, and Innovation, emphasized the industrial sector’s significant contribution to Cambodia’s economic growth, noting that it accounted for approximately 7.7 percent of the nation’s economic expansion in 2023.

During an annual meeting held on Feb. 20, Minister Vandy outlined projections for the industrial sector’s growth in 2024, anticipating a continued expansion of around 8.5 percent. He attributed this growth forecast to the expected recovery of the garment sub-sector, complemented by the sustained robust performance of the non-garment manufacturing sub-sector.

The garment, footwear, and travel goods industry remain pivotal in Cambodia’s economic landscape, serving as the largest foreign exchange earner for the nation. Presently, this sector comprises approximately 1,300 factories and branches, providing employment opportunities to nearly 900,000 workers, predominantly female.

Source: AKP

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Vanvutha Leang
Vanvutha LeangExperienced
Asked: April 2, 2021In: Money

What currency do they use in Cambodia?

In Cambodia, what currency is used? This is a fascinating question. They use two currencies, the US Dollar and the Cambodian Riel, which are interchangeable! Does it seem to be difficult? We’re here to assist you. The Riel is the ...Read more

In Cambodia, what currency is used? This is a fascinating question. They use two currencies, the US Dollar and the Cambodian Riel, which are interchangeable! Does it seem to be difficult? We’re here to assist you.

The Riel is the Cambodian currency; it is the country’s official currency, and it is used to price goods in places like supermarkets. The Riel was first released in 1953 and was officially abolished in 1975 when the Khmer Rouge took control of the region.

Related: Related: Can foreigners work in Cambodia?

This is something that no other “socialist” nation has accomplished. During this time, money was printed, and the Khmer Rouge also printed their own notes in 1993 to be used in the large swaths of eastern Cambodia still under Pol Pot’s influence. Money was agreed to be restored as the second Riel when the Vietnamese liberated the region, and it has remained in the same format until now. The question of do they use usd in Cambodia?

This is where things get interesting; Cambodia currently has a dual currency structure; with the US dollar and the Riel both being accepted as Cambodian currencies.

Additionally, if you pay in dollars, you will almost certainly obtain some change in Cambodian currency. Consider the scenario where anything costs $1.75 and you give $5. You will get $2 in change and 5000 Riel in Cambodian currency. For example, 4000 Riel equals $1 and 1000 Riel equals 25 cents! There are 500 and even 100 Riel notes for smaller denominations.

Related: 7 Reasons to Invest in Cambodia Property

Besides all of this, tipping also the thing that tourists need to understand. Tipping is not customarily anticipated in Cambodia, but in any third-world country, tips can go a long way for those with limited resources. Tipping is not expected in some of the more upscale hotels and restaurants because a ten percent service fee is applied to the bill.

A dollar is usually considered a decent tip for cleaners, moto drivers (only on long trips or full-day rentals), and taxi drivers.

Cambodian Currency - One hundred riels and one thousand riels

Cambodian Currency – One hundred riels and one thousand riels

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