<?xml version="1.0" encoding="ASCII"?>
<!-- XBRL document created with Praxa -->
<!-- Copyright (c) 2026 Praxa LLC. All Rights Reserved.-->
<!-- Creation Date: 2026-08-11T14:54:24.2994+00:00 -->
<xs:schema targetNamespace="http://asiafingroup.com/20260630" attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:asfh="http://asiafingroup.com/20260630" xmlns:us-gaap="http://fasb.org/us-gaap/2026" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:dtr="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:srt="http://fasb.org/srt/2026" xmlns:country="http://xbrl.sec.gov/country/2026" xmlns:dei="http://xbrl.sec.gov/dei/2026" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" xmlns:ecd-sub="http://xbrl.sec.gov/ecd-sub/2026">
  <xs:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd" />
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <xs:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/country/2026" schemaLocation="https://xbrl.sec.gov/country/2026/country-2026.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd" />
  <xs:import namespace="http://xbrl.org/2020/extensible-enumerations-2.0" schemaLocation="https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/ecd-sub/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-sub-2026.xsd" />
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="asfh-20260630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation link" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="asfh-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label link" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="asfh-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition link" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="asfh-20260630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:title="Calculation link" xlink:type="simple" />
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/Cover" id="Cover">
        <link:definition>995300 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/CondensedConsolidatedBalanceSheets" id="CondensedConsolidatedBalanceSheets">
        <link:definition>995301 - Statement - Condensed Consolidated Balance Sheets</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/CondensedConsolidatedBalanceSheetsParentheticals" id="CondensedConsolidatedBalanceSheetsParentheticals">
        <link:definition>995302 - Statement - Condensed Consolidated Balance Sheets (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/UnauditedCondensedConsolidatedStatementofOperationsandComprehensiveLoss" id="UnauditedCondensedConsolidatedStatementofOperationsandComprehensiveLoss">
        <link:definition>995303 - Statement - Unaudited Condensed Consolidated Statement of Operations and Comprehensive Loss</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/UnauditedCondensedConsolidatedStatementofOperationsandComprehensiveLossParentheticals" id="UnauditedCondensedConsolidatedStatementofOperationsandComprehensiveLossParentheticals">
        <link:definition>995304 - Statement - Unaudited Condensed Consolidated Statement of Operations and Comprehensive Loss (Parentheticals)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/UnauditedCondensedConsolidatedStatementofShareholdersEquity" id="UnauditedCondensedConsolidatedStatementofShareholdersEquity">
        <link:definition>995305 - Statement - Unaudited Condensed Consolidated Statement of Shareholders&#8217; Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/UnauditedCondensedConsolidatedStatementofCashFlows" id="UnauditedCondensedConsolidatedStatementofCashFlows">
        <link:definition>995306 - Statement - Unaudited Condensed Consolidated Statement of Cash Flows</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/OrganizationandBusinessBackground" id="OrganizationandBusinessBackground">
        <link:definition>995307 - Disclosure - Organization and Business Background</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/SummaryofSignificantAccountingPolicies" id="SummaryofSignificantAccountingPolicies">
        <link:definition>995308 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RevenuefromContractswithCustomers" id="RevenuefromContractswithCustomers">
        <link:definition>995309 - Disclosure - Revenue from Contracts with Customers</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/AccountReceivablesNet" id="AccountReceivablesNet">
        <link:definition>995310 - Disclosure - Account Receivables, Net</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/PrepaymentDepositsandOtherReceivables" id="PrepaymentDepositsandOtherReceivables">
        <link:definition>995311 - Disclosure - Prepayment, Deposits and Other Receivables</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/PropertyPlantandEquipmentNet" id="PropertyPlantandEquipmentNet">
        <link:definition>995312 - Disclosure - Property, Plant and Equipment, Net</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/AccruedLiabilitiesandOtherPayables" id="AccruedLiabilitiesandOtherPayables">
        <link:definition>995313 - Disclosure - Accrued Liabilities and Other Payables</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/AmountDuetoDirector" id="AmountDuetoDirector">
        <link:definition>995314 - Disclosure - Amount Due to Director</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RelatedPartyBalancesandTransactions" id="RelatedPartyBalancesandTransactions">
        <link:definition>995315 - Disclosure - Related Party Balances and Transactions</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/FinanceLeaseLiability" id="FinanceLeaseLiability">
        <link:definition>995316 - Disclosure - Finance Lease Liability</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/LeaseRightofUseAssetandOperatingLeaseLiabilities" id="LeaseRightofUseAssetandOperatingLeaseLiabilities">
        <link:definition>995317 - Disclosure - Lease Right-of-Use Asset and Operating Lease Liabilities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/ConcentrationofRisk" id="ConcentrationofRisk">
        <link:definition>995318 - Disclosure - Concentration of Risk</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/IncomeTaxes" id="IncomeTaxes">
        <link:definition>995319 - Disclosure - Income Taxes</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/ShareholdersEquity" id="ShareholdersEquity">
        <link:definition>995320 - Disclosure - Shareholders&#8217; Equity</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/Dividend" id="Dividend">
        <link:definition>995321 - Disclosure - Dividend</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/ForeignCurrencyExchangeRate" id="ForeignCurrencyExchangeRate">
        <link:definition>995322 - Disclosure - Foreign Currency Exchange Rate</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/SegmentReporting" id="SegmentReporting">
        <link:definition>995323 - Disclosure - Segment Reporting</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/SubsequentEvents" id="SubsequentEvents">
        <link:definition>995324 - Disclosure - Subsequent Events</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/AccountingPoliciesbyPolicyPolicies" id="AccountingPoliciesbyPolicyPolicies">
        <link:definition>996325 - Disclosure - Accounting Policies, by Policy (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/OrganizationandBusinessBackgroundTables" id="OrganizationandBusinessBackgroundTables">
        <link:definition>996326 - Disclosure - Organization and Business Background (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/SummaryofSignificantAccountingPoliciesTables" id="SummaryofSignificantAccountingPoliciesTables">
        <link:definition>996327 - Disclosure - Summary of Significant Accounting Policies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RevenuefromContractswithCustomersTables" id="RevenuefromContractswithCustomersTables">
        <link:definition>996328 - Disclosure - Revenue from Contracts with Customers (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/AccountReceivablesNetTables" id="AccountReceivablesNetTables">
        <link:definition>996329 - Disclosure - Account Receivables, Net (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/PrepaymentDepositsandOtherReceivablesTables" id="PrepaymentDepositsandOtherReceivablesTables">
        <link:definition>996330 - Disclosure - Prepayment, Deposits and Other Receivables (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/PropertyPlantandEquipmentNetTables" id="PropertyPlantandEquipmentNetTables">
        <link:definition>996331 - Disclosure - Property, Plant and Equipment, Net (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/AccruedLiabilitiesandOtherPayablesTables" id="AccruedLiabilitiesandOtherPayablesTables">
        <link:definition>996332 - Disclosure - Accrued Liabilities and Other Payables (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RelatedPartyBalancesandTransactionsTables" id="RelatedPartyBalancesandTransactionsTables">
        <link:definition>996333 - Disclosure - Related Party Balances and Transactions (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/FinanceLeaseLiabilityTables" id="FinanceLeaseLiabilityTables">
        <link:definition>996334 - Disclosure - Finance Lease Liability (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/LeaseRightofUseAssetandOperatingLeaseLiabilitiesTables" id="LeaseRightofUseAssetandOperatingLeaseLiabilitiesTables">
        <link:definition>996335 - Disclosure - Lease Right-of-Use Asset and Operating Lease Liabilities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/ConcentrationofRiskTables" id="ConcentrationofRiskTables">
        <link:definition>996336 - Disclosure - Concentration of Risk (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/IncomeTaxesTables" id="IncomeTaxesTables">
        <link:definition>996337 - Disclosure - Income Taxes (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/SegmentReportingTables" id="SegmentReportingTables">
        <link:definition>996338 - Disclosure - Segment Reporting (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/OrganizationandBusinessBackgroundDetails" id="OrganizationandBusinessBackgroundDetails">
        <link:definition>996339 - Disclosure - Organization and Business Background (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/OrganizationandBusinessBackgroundScheduleofSubsidiariesandAssociateDetails" id="OrganizationandBusinessBackgroundScheduleofSubsidiariesandAssociateDetails">
        <link:definition>996340 - Disclosure - Organization and Business Background - Schedule of Subsidiaries and Associate (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/SummaryofSignificantAccountingPoliciesDetails" id="SummaryofSignificantAccountingPoliciesDetails">
        <link:definition>996341 - Disclosure - Summary of Significant Accounting Policies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/SummaryofSignificantAccountingPoliciesScheduleofPropertyPlantandEquipmentDetails" id="SummaryofSignificantAccountingPoliciesScheduleofPropertyPlantandEquipmentDetails">
        <link:definition>996342 - Disclosure - Summary of Significant Accounting Policies - Schedule of Property, Plant and Equipment (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/SummaryofSignificantAccountingPoliciesScheduleofTranslationofAmountsfromtheLocalCurrencyDetails" id="SummaryofSignificantAccountingPoliciesScheduleofTranslationofAmountsfromtheLocalCurrencyDetails">
        <link:definition>996343 - Disclosure - Summary of Significant Accounting Policies - Schedule of Translation of Amounts from the Local Currency (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RevenuefromContractswithCustomersDetails" id="RevenuefromContractswithCustomersDetails">
        <link:definition>996344 - Disclosure - Revenue from Contracts with Customers (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RevenuefromContractswithCustomersScheduleofRevenueDisaggregationbyTypeofServicesDetails" id="RevenuefromContractswithCustomersScheduleofRevenueDisaggregationbyTypeofServicesDetails">
        <link:definition>996345 - Disclosure - Revenue from Contracts with Customers - Schedule of Revenue Disaggregation by Type of Services (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RevenuefromContractswithCustomersScheduleofContractAssetsandContractLiabilitiesareClassifiedasCurrentAssetsandCurrentLiabilitiesDetails" id="RevenuefromContractswithCustomersScheduleofContractAssetsandContractLiabilitiesareClassifiedasCurrentAssetsandCurrentLiabilitiesDetails">
        <link:definition>996346 - Disclosure - Revenue from Contracts with Customers - Schedule of Contract Assets and Contract Liabilities are Classified as Current Assets and Current Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RevenuefromContractswithCustomersScheduleofContractAssetsDetails" id="RevenuefromContractswithCustomersScheduleofContractAssetsDetails">
        <link:definition>996347 - Disclosure - Revenue from Contracts with Customers - Schedule of Contract Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RevenuefromContractswithCustomersScheduleofChangesinContractLiabilitiesDetails" id="RevenuefromContractswithCustomersScheduleofChangesinContractLiabilitiesDetails">
        <link:definition>996348 - Disclosure - Revenue from Contracts with Customers - Schedule of Changes in Contract Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/AccountReceivablesNetScheduleofAccountReceivablesNetDetails" id="AccountReceivablesNetScheduleofAccountReceivablesNetDetails">
        <link:definition>996349 - Disclosure - Account Receivables, Net - Schedule of Account Receivables, Net (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/AccountReceivablesNetScheduleofMovementsinAllowanceforExpectedCreditLossesDetails" id="AccountReceivablesNetScheduleofMovementsinAllowanceforExpectedCreditLossesDetails">
        <link:definition>996350 - Disclosure - Account Receivables, Net - Schedule of Movements in Allowance for Expected Credit Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/PrepaymentDepositsandOtherReceivablesScheduleofPrepaymentDepositsandOtherReceivablesDetails" id="PrepaymentDepositsandOtherReceivablesScheduleofPrepaymentDepositsandOtherReceivablesDetails">
        <link:definition>996351 - Disclosure - Prepayment, Deposits and Other Receivables - Schedule of Prepayment, Deposits and Other Receivables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/PropertyPlantandEquipmentNetScheduleofPropertyPlantandEquipmentNetDetails" id="PropertyPlantandEquipmentNetScheduleofPropertyPlantandEquipmentNetDetails">
        <link:definition>996352 - Disclosure - Property, Plant and Equipment, Net - Schedule of Property, Plant and Equipment, Net (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/PropertyPlantandEquipmentNetScheduleofInvestmentinPropertyPlantandEquipmentNetDetails" id="PropertyPlantandEquipmentNetScheduleofInvestmentinPropertyPlantandEquipmentNetDetails">
        <link:definition>996353 - Disclosure - Property, Plant and Equipment, Net - Schedule of Investment in Property, Plant and Equipment, Net (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/AccruedLiabilitiesandOtherPayablesScheduleofAccruedLiabilitiesandOtherPayablesDetails" id="AccruedLiabilitiesandOtherPayablesScheduleofAccruedLiabilitiesandOtherPayablesDetails">
        <link:definition>996354 - Disclosure - Accrued Liabilities and Other Payables - Schedule of Accrued Liabilities and Other Payables (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/AmountDuetoDirectorDetails" id="AmountDuetoDirectorDetails">
        <link:definition>996355 - Disclosure - Amount Due to Director (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RelatedPartyBalancesandTransactionsDetails" id="RelatedPartyBalancesandTransactionsDetails">
        <link:definition>996356 - Disclosure - Related Party Balances and Transactions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/RelatedPartyBalancesandTransactionsScheduleofMajorRelatedPartiesandtheirRelationshipsDetails" id="RelatedPartyBalancesandTransactionsScheduleofMajorRelatedPartiesandtheirRelationshipsDetails">
        <link:definition>996357 - Disclosure - Related Party Balances and Transactions - Schedule of Major Related Parties and their Relationships (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/FinanceLeaseLiabilityDetails" id="FinanceLeaseLiabilityDetails">
        <link:definition>996358 - Disclosure - Finance Lease Liability (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/FinanceLeaseLiabilityScheduleofMaturitiesoftheLoanDetails" id="FinanceLeaseLiabilityScheduleofMaturitiesoftheLoanDetails">
        <link:definition>996359 - Disclosure - Finance Lease Liability - Schedule of Maturities of the Loan (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/LeaseRightofUseAssetandOperatingLeaseLiabilitiesDetails" id="LeaseRightofUseAssetandOperatingLeaseLiabilitiesDetails">
        <link:definition>996360 - Disclosure - Lease Right-of-Use Asset and Operating Lease Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/LeaseRightofUseAssetandOperatingLeaseLiabilitiesScheduleofOperatingLeaseLiabilitiesDetails" id="LeaseRightofUseAssetandOperatingLeaseLiabilitiesScheduleofOperatingLeaseLiabilitiesDetails">
        <link:definition>996361 - Disclosure - Lease Right-of-Use Asset and Operating Lease Liabilities - Schedule of Operating Lease Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/ConcentrationofRiskDetails" id="ConcentrationofRiskDetails">
        <link:definition>996362 - Disclosure - Concentration of Risk (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/ConcentrationofRiskScheduleofConcentrationRiskDetails" id="ConcentrationofRiskScheduleofConcentrationRiskDetails">
        <link:definition>996363 - Disclosure - Concentration of Risk - Schedule of Concentration Risk (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/IncomeTaxesDetails" id="IncomeTaxesDetails">
        <link:definition>996364 - Disclosure - Income Taxes (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/IncomeTaxesScheduleofLossBeforeIncomeTaxesDetails" id="IncomeTaxesScheduleofLossBeforeIncomeTaxesDetails">
        <link:definition>996365 - Disclosure - Income Taxes - Schedule of Loss Before Income Taxes (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/IncomeTaxesScheduleofProvisionforIncomeTaxesDetails" id="IncomeTaxesScheduleofProvisionforIncomeTaxesDetails">
        <link:definition>996366 - Disclosure - Income Taxes - Schedule of Provision for Income Taxes (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/IncomeTaxesScheduleofReconciliationofIncomeTaxesExpensesDetails" id="IncomeTaxesScheduleofReconciliationofIncomeTaxesExpensesDetails">
        <link:definition>996367 - Disclosure - Income Taxes - Schedule of Reconciliation of Income Taxes Expenses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/IncomeTaxesScheduleofDeferredTaxAssetsDetails" id="IncomeTaxesScheduleofDeferredTaxAssetsDetails">
        <link:definition>996368 - Disclosure - Income Taxes - Schedule of Deferred Tax Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/ShareholdersEquityDetails" id="ShareholdersEquityDetails">
        <link:definition>996369 - Disclosure - Shareholders&#8217; Equity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/DividendDetails" id="DividendDetails">
        <link:definition>996370 - Disclosure - Dividend (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/SegmentReportingDetails" id="SegmentReportingDetails">
        <link:definition>996371 - Disclosure - Segment Reporting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="http://asiafingroup.com/20260630/role/SegmentReportingScheduleofSegmentReportingDetails" id="SegmentReportingScheduleofSegmentReportingDetails">
        <link:definition>996372 - Disclosure - Segment Reporting - Schedule of Segment Reporting (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="asfh_IncreaseDecreaseInLeaseLiabilities" name="IncreaseDecreaseInLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_LeaseLiabilities" name="LeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_LeaseRightofUseAssetandOperatingLeaseLiabilitiesDetailsTable" name="LeaseRightofUseAssetandOperatingLeaseLiabilitiesDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_TwoNewLeaseAgreementsMember" name="TwoNewLeaseAgreementsMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_OperatingLeaseRightOfUseAssetNewLeaseRecognition" name="OperatingLeaseRightOfUseAssetNewLeaseRecognition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_OperatingLeaseRightOfUseAssetAdjustmentForNonExercisingOption" name="OperatingLeaseRightOfUseAssetAdjustmentForNonExercisingOption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_OperatingLeaseLiabilityNewLeaseRecognition" name="OperatingLeaseLiabilityNewLeaseRecognition" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_OperatingLeaseRightOfUseAssetAdjustmentForForeignCurrencyTranslationDifference" name="OperatingLeaseRightOfUseAssetAdjustmentForForeignCurrencyTranslationDifference" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_ScheduleOfConcentrationRiskAbstract" name="ScheduleOfConcentrationRiskAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_OperatingLeaseLiabilityAdjustmentForForeignCurrencyTranslationDifference" name="OperatingLeaseLiabilityAdjustmentForForeignCurrencyTranslationDifference" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_OperatingLeaseLiabilityAdjustmentForNonExercisingOption" name="OperatingLeaseLiabilityAdjustmentForNonExercisingOption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_CustomerAMember" name="CustomerAMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_OthersMember" name="OthersMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_LabuanMember" name="LabuanMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfDeferredTaxAssetsAbstract" name="ScheduleOfDeferredTaxAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfLossBeforeIncomeTaxesAbstract" name="ScheduleOfLossBeforeIncomeTaxesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_IncomeTaxesScheduleofLossBeforeIncomeTaxesDetailsTable" name="IncomeTaxesScheduleofLossBeforeIncomeTaxesDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_IncomeTaxesScheduleofProvisionforIncomeTaxesDetailsLineItems" name="IncomeTaxesScheduleofProvisionforIncomeTaxesDetailsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_NonMalaysiaMember" name="NonMalaysiaMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_RegtechMember" name="RegtechMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_SEATechVenturesCorpMember" name="SEATechVenturesCorpMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ShareOfLossFromOperationOfAssociate" name="ShareOfLossFromOperationOfAssociate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_AccountPayablesincludingAccountPayableToRelatedParty" name="AccountPayablesincludingAccountPayableToRelatedParty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_SellingGeneralAndAdministrativeExpensesAndOtherIncome" name="SellingGeneralAndAdministrativeExpensesAndOtherIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_WorkingCapital" name="WorkingCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_AmountDueFromRelatedPartiesincludingDueFromAssociate" name="AmountDueFromRelatedPartiesincludingDueFromAssociate" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_JeremyWongZiJunMember" name="JeremyWongZiJunMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_AsiaFINHoldingsCorpMember" name="AsiaFINHoldingsCorpMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_StarFINHoldingsLimitedMember" name="StarFINHoldingsLimitedMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_KSPAsiaFINCoLtdFKAKSPStarFINCoLtdMember" name="KSPAsiaFINCoLtdFKAKSPStarFINCoLtdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_DomicileAndDateOfIncorporation" name="DomicileAndDateOfIncorporation" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_IncreaseDecreaseInTaxAssets" name="IncreaseDecreaseInTaxAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_StockIssuedDuringPeriodValueShareSubscriptionsReceivedInAdvance" name="StockIssuedDuringPeriodValueShareSubscriptionsReceivedInAdvance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_AmountDueToDirectorAbstract" name="AmountDueToDirectorAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_PaymentOfAdvancesToRelatedCompanies" name="PaymentOfAdvancesToRelatedCompanies" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_InitialRecognitionOfOperatingLeaseRightofuseAssetsAndOperatingLeaseObligationsUponAdoption" name="InitialRecognitionOfOperatingLeaseRightofuseAssetsAndOperatingLeaseObligationsUponAdoption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_DividendTextBlock" name="DividendTextBlock" type="dtr:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_PeriodaverageHKUS1ExchangeRateMember" name="PeriodaverageHKUS1ExchangeRateMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_RelatedPartyBalancesandTransactionsDetailsTable" name="RelatedPartyBalancesandTransactionsDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_LoanAgreementMember" name="LoanAgreementMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_OtherDepositsCurrent" name="OtherDepositsCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_HandphoneMember" name="HandphoneMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_RenovationMember" name="RenovationMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_PropertyMember" name="PropertyMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_PropertyPlantandEquipmentNetScheduleofInvestmentinPropertyPlantandEquipmentNetDetailsTable" name="PropertyPlantandEquipmentNetScheduleofInvestmentinPropertyPlantandEquipmentNetDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ElectricalFittingsMember" name="ElectricalFittingsMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_PeriodEndMYRUS1ExchangeRateMember" name="PeriodEndMYRUS1ExchangeRateMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_PeriodendHKUS1ExchangeRateMember" name="PeriodendHKUS1ExchangeRateMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_PeriodEndTHBUS1ExchangeRateMember" name="PeriodEndTHBUS1ExchangeRateMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ContractWithCustomerLiabilityRevenue" name="ContractWithCustomerLiabilityRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_MrKaiCheongWongMember" name="MrKaiCheongWongMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_AmountDuetoDirectorDetailsTable" name="AmountDuetoDirectorDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_SummaryofSignificantAccountingPoliciesScheduleofPropertyPlantandEquipmentDetailsTable" name="SummaryofSignificantAccountingPoliciesScheduleofPropertyPlantandEquipmentDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_RegulatoryTechnologyRegTechMember" name="RegulatoryTechnologyRegTechMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfInvestmentInPropertyPlantAndEquipmentNetAbstract" name="ScheduleOfInvestmentInPropertyPlantAndEquipmentNetAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_RoboticProcessAutomationRPAMember" name="RoboticProcessAutomationRPAMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ContractWithCustomerNewContractAssets" name="ContractWithCustomerNewContractAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_ContractWithCustomerAssetExchangeDifference" name="ContractWithCustomerAssetExchangeDifference" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_ScheduleOfRevenueDisaggregationByTypeOfServicesAbstract" name="ScheduleOfRevenueDisaggregationByTypeOfServicesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_LesseeFinanceLeaseFixedFlatRate" name="LesseeFinanceLeaseFixedFlatRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" />
  <xs:element id="asfh_PaymentsToAcquireMotorVehicle" name="PaymentsToAcquireMotorVehicle" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_DatoKokWahSeahMember" name="DatoKokWahSeahMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_IncomeTaxesScheduleofProvisionforIncomeTaxesDetailsTable" name="IncomeTaxesScheduleofProvisionforIncomeTaxesDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_IncomeTaxesScheduleofLossBeforeIncomeTaxesDetailsLineItems" name="IncomeTaxesScheduleofLossBeforeIncomeTaxesDetailsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_BritishVirginiaIslandMember" name="BritishVirginiaIslandMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfProvisionForIncomeTaxesAbstract" name="ScheduleOfProvisionForIncomeTaxesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_AsiaFINTalentSdnBhdMember" name="AsiaFINTalentSdnBhdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_IncomeTaxesDetailsTable" name="IncomeTaxesDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_TaxReconciliationNotRequired" name="TaxReconciliationNotRequired" type="xbrli:booleanItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_IncomeTaxesScheduleofDeferredTaxAssetsDetailsTable" name="IncomeTaxesScheduleofDeferredTaxAssetsDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_LabuanMalaysiaMember" name="LabuanMalaysiaMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_IncomeTaxesScheduleofDeferredTaxAssetsDetailsLineItems" name="IncomeTaxesScheduleofDeferredTaxAssetsDetailsLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_FourteenIndividualMember" name="FourteenIndividualMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_HongKongCompanyMember" name="HongKongCompanyMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_SeeUnicornVenturesSdnBhdMember" name="SeeUnicornVenturesSdnBhdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfSegmentReportingAbstract" name="ScheduleOfSegmentReportingAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_MalaysiaCompanyMember" name="MalaysiaCompanyMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_FintechMember" name="FintechMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_RPAMember" name="RPAMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_DueFromAssociateMember" name="DueFromAssociateMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_RepaymentOfFinanceLeaseLiabilities" name="RepaymentOfFinanceLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_RelatedPartiesPolicyTextBlock" name="RelatedPartiesPolicyTextBlock" type="dtr:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_InsiteMYHoldingsSdnBhdFKAStarFINAsiaSdnBhdMember" name="InsiteMYHoldingsSdnBhdFKAStarFINAsiaSdnBhdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_InsiteMYInnovationsSdnBhdMember" name="InsiteMYInnovationsSdnBhdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_TellUSReportSdnBhdMember" name="TellUSReportSdnBhdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_AsiaFINHoldingsLimitedMember" name="AsiaFINHoldingsLimitedMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_MurniStarFINSdnBhdMember" name="MurniStarFINSdnBhdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_OrangeFINAsiaSdnBhdMember" name="OrangeFINAsiaSdnBhdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfMovementsInAllowanceForExpectedCreditLossesAbstract" name="ScheduleOfMovementsInAllowanceForExpectedCreditLossesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfPropertyPlantAndEquipmentAssetsCategoriesDepriciationPeriodsTableTextBlock" name="ScheduleOfPropertyPlantAndEquipmentAssetsCategoriesDepriciationPeriodsTableTextBlock" type="dtr:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_ScheduleOfInvestmentInPropertyAndPlantTableTextBlock" name="ScheduleOfInvestmentInPropertyAndPlantTableTextBlock" type="dtr:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_InsiteMYSystemsSdnBhdMember" name="InsiteMYSystemsSdnBhdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfSubsidiariesAndAssociateAbstract" name="ScheduleOfSubsidiariesAndAssociateAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_OrangeFINAcademySdnBhdFKAInsiteMYComSdnBhdMember" name="OrangeFINAcademySdnBhdFKAInsiteMYComSdnBhdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_InvestmentInAssociatePolicyTextBlock" name="InvestmentInAssociatePolicyTextBlock" type="dtr:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_ShareSubscriptionsReceivedInAdvanceMember" name="ShareSubscriptionsReceivedInAdvanceMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfChangesInContractAssetsTableTextBlock" name="ScheduleOfChangesInContractAssetsTableTextBlock" type="dtr:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_InitialRecognitionOfBalancePaymentOfFinanceLeaseRightofuseAssetByFinanceLeaseLiabilities" name="InitialRecognitionOfBalancePaymentOfFinanceLeaseRightofuseAssetByFinanceLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_AmountDueToDirectorDisclosureTextBlock" name="AmountDueToDirectorDisclosureTextBlock" type="dtr:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_ScheduleOfMajorRelatedPartiesAndTheirRelationships" name="ScheduleOfMajorRelatedPartiesAndTheirRelationships" type="dtr:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_ScheduleOfChangesInContractLiabilitiesTableTextBlock" name="ScheduleOfChangesInContractLiabilitiesTableTextBlock" type="dtr:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" />
  <xs:element id="asfh_CostOfRevenueFromRelatedParties" name="CostOfRevenueFromRelatedParties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="debit" />
  <xs:element id="asfh_AllowanceForDoubtfulAccountsReceivableExpectedCreditLosses" name="AllowanceForDoubtfulAccountsReceivableExpectedCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_ScheduleOfTranslationOfAmountsFromTheLocalCurrencyAbstract" name="ScheduleOfTranslationOfAmountsFromTheLocalCurrencyAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_PeriodAverageMYRUS1ExchangeRateMember" name="PeriodAverageMYRUS1ExchangeRateMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_PeriodAverageTHBUS1ExchangeRateMember" name="PeriodAverageTHBUS1ExchangeRateMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_PaymentProcessingFintechMember" name="PaymentProcessingFintechMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfPropertyPlantAndEquipmentNetAbstract" name="ScheduleOfPropertyPlantAndEquipmentNetAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_SecondYearMember" name="SecondYearMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_KSPAsiaFINCoLtdOneMember" name="KSPAsiaFINCoLtdOneMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_InvestmentInPropertyPlantAndEquipment" name="InvestmentInPropertyPlantAndEquipment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="false" xbrli:balance="credit" />
  <xs:element id="asfh_RelatedPartyBalancesandTransactionsScheduleofMajorRelatedPartiesandtheirRelationshipsDetailsTable" name="RelatedPartyBalancesandTransactionsScheduleofMajorRelatedPartiesandtheirRelationshipsDetailsTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_KaiCheongWongMember" name="KaiCheongWongMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_KSPAsiaFINCoLtdMember" name="KSPAsiaFINCoLtdMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_InsiteMYInternationalIncMember" name="InsiteMYInternationalIncMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_InsiteMYInternationalIncOneMember" name="InsiteMYInternationalIncOneMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_TradeAbstract" name="TradeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_NonTradeAccountsReceivableMember" name="NonTradeAccountsReceivableMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_ScheduleOfMajorRelatedPartiesAndTheirRelationshipsAbstract" name="ScheduleOfMajorRelatedPartiesAndTheirRelationshipsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_TanSiewMengMember" name="TanSiewMengMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xs:element id="asfh_FirstYearMember" name="FirstYearMember" type="dtr:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xs:schema>
