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  <xs:element name="AmountDuetoDirectorDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="asfh_AmountDuetoDirectorDetailsTable"/>
  <xs:element name="RelatedPartyBalancesandTransactionsDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="asfh_RelatedPartyBalancesandTransactionsDetailsTable"/>
  <xs:element name="PaymentsToAcquireMotorVehicle" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="asfh_PaymentsToAcquireMotorVehicle"/>
  <xs:element name="LeaseRightofUseAssetandOperatingLeaseLiabilitiesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="asfh_LeaseRightofUseAssetandOperatingLeaseLiabilitiesDetailsTable"/>
  <xs:element name="LeaseLiabilities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="asfh_LeaseLiabilities"/>
  <xs:element name="IncreaseDecreaseInLeaseLiabilities" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="asfh_IncreaseDecreaseInLeaseLiabilities"/>
  <xs:element name="IncomeTaxesDetailsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="asfh_IncomeTaxesDetailsTable"/>
  <xs:element name="TaxReconciliationNotRequired" type="xbrli:booleanItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_TaxReconciliationNotRequired"/>
  <xs:element name="WorkingCapital" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="asfh_WorkingCapital"/>
  <xs:element name="AsiaFINHoldingsCorpMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_AsiaFINHoldingsCorpMember"/>
  <xs:element name="AsiaFINHoldingsLimitedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_AsiaFINHoldingsLimitedMember"/>
  <xs:element name="AsiaFINTalentSdnBhdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_AsiaFINTalentSdnBhdMember"/>
  <xs:element name="BritishVirginiaIslandMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_BritishVirginiaIslandMember"/>
  <xs:element name="CustomerAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_CustomerAMember"/>
  <xs:element name="CustomerBMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_CustomerBMember"/>
  <xs:element name="CustomerCMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_CustomerCMember"/>
  <xs:element name="CustomerDMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_CustomerDMember"/>
  <xs:element name="DueFromAssociateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_DueFromAssociateMember"/>
  <xs:element name="ElectricalFittingsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_ElectricalFittingsMember"/>
  <xs:element name="FintechMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_FintechMember"/>
  <xs:element name="FirstYearMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_FirstYearMember"/>
  <xs:element name="FourteenIndividualMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_FourteenIndividualMember"/>
  <xs:element name="HandphoneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_HandphoneMember"/>
  <xs:element name="HongKongCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_HongKongCompanyMember"/>
  <xs:element name="InsiteMYHoldingsSdnBhdFKAStarFINAsiaSdnBhdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_InsiteMYHoldingsSdnBhdFKAStarFINAsiaSdnBhdMember"/>
  <xs:element name="InsiteMYInnovationsSdnBhdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_InsiteMYInnovationsSdnBhdMember"/>
  <xs:element name="InsiteMYInternationalIncMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_InsiteMYInternationalIncMember"/>
  <xs:element name="InsiteMYInternationalIncOneMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_InsiteMYInternationalIncOneMember"/>
  <xs:element name="InsiteMYSystemsSdnBhdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_InsiteMYSystemsSdnBhdMember"/>
  <xs:element name="JeremyWongZiJunMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_JeremyWongZiJunMember"/>
  <xs:element name="KSPAsiaFINCoLtdFKAKSPStarFINCoLtdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_KSPAsiaFINCoLtdFKAKSPStarFINCoLtdMember"/>
  <xs:element name="KSPAsiaFINCoLtdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_KSPAsiaFINCoLtdMember"/>
  <xs:element name="KaiCheongWongMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_KaiCheongWongMember"/>
  <xs:element name="LabuanMalaysiaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_LabuanMalaysiaMember"/>
  <xs:element name="LabuanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_LabuanMember"/>
  <xs:element name="LoanAgreementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_LoanAgreementMember"/>
  <xs:element name="MalaysiaCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_MalaysiaCompanyMember"/>
  <xs:element name="MrKaiCheongWongMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_MrKaiCheongWongMember"/>
  <xs:element name="MurniStarFINSdnBhdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_MurniStarFINSdnBhdMember"/>
  <xs:element name="NonMalaysiaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_NonMalaysiaMember"/>
  <xs:element name="NonTradeAccountsReceivableMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_NonTradeAccountsReceivableMember"/>
  <xs:element name="OrangeFINAcademySdnBhdFKAInsiteMYComSdnBhdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_OrangeFINAcademySdnBhdFKAInsiteMYComSdnBhdMember"/>
  <xs:element name="OrangeFINAsiaSdnBhdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_OrangeFINAsiaSdnBhdMember"/>
  <xs:element name="OthersMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_OthersMember"/>
  <xs:element name="PaymentProcessingFintechMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_PaymentProcessingFintechMember"/>
  <xs:element name="PeriodAverageMYRUS1ExchangeRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_PeriodAverageMYRUS1ExchangeRateMember"/>
  <xs:element name="PeriodAverageTHBUS1ExchangeRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_PeriodAverageTHBUS1ExchangeRateMember"/>
  <xs:element name="PeriodEndMYRUS1ExchangeRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_PeriodEndMYRUS1ExchangeRateMember"/>
  <xs:element name="PeriodEndTHBUS1ExchangeRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_PeriodEndTHBUS1ExchangeRateMember"/>
  <xs:element name="PeriodaverageHKUS1ExchangeRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_PeriodaverageHKUS1ExchangeRateMember"/>
  <xs:element name="PeriodendHKUS1ExchangeRateMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_PeriodendHKUS1ExchangeRateMember"/>
  <xs:element name="PropertyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_PropertyMember"/>
  <xs:element name="RPAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_RPAMember"/>
  <xs:element name="RegtechMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_RegtechMember"/>
  <xs:element name="RegulatoryTechnologyRegTechMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_RegulatoryTechnologyRegTechMember"/>
  <xs:element name="RenovationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_RenovationMember"/>
  <xs:element name="RoboticProcessAutomationRPAMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_RoboticProcessAutomationRPAMember"/>
  <xs:element name="SEATechVenturesCorpMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_SEATechVenturesCorpMember"/>
  <xs:element name="SecondYearMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_SecondYearMember"/>
  <xs:element name="SeeUnicornVenturesSdnBhdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_SeeUnicornVenturesSdnBhdMember"/>
  <xs:element name="ShareSubscriptionsReceivedInAdvanceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_ShareSubscriptionsReceivedInAdvanceMember"/>
  <xs:element name="StarFINHoldingsLimitedMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_StarFINHoldingsLimitedMember"/>
  <xs:element name="TanSiewMengMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_TanSiewMengMember"/>
  <xs:element name="TellUSReportSdnBhdMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_TellUSReportSdnBhdMember"/>
  <xs:element name="TwoNewLeaseAgreementsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_TwoNewLeaseAgreementsMember"/>
  <xs:element name="AmountDueToDirectorAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_AmountDueToDirectorAbstract"/>
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  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="asfh_DocumentAndEntityInformationAbstract"/>
</xs:schema>