Bay Group Holdings Sdn Bhd (CapBay), a Malaysian supply chain financing provider and peer-to-peer (P2P) financing platform, and Ultrack Technology Sdn Bhd (TrackerHero), a provider of security workforce management solutions, have sealed a memorandum of understanding (MoU) to accelerate digital adoption and growth among small and medium-sized enterprises (SMEs) in the security services sector of Malaysia.