"...Can't we optimize it using regex memory?"

I'm not sure what you mean but i guess you perhaps mean something like this:

my $string = "hello,'world, yo',matt";
my @result = $string =~ /(\.+),('.+'),(.+)/;
print qq($_\n) for @result;
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See also Is guessing a good strategy for surviving in the IT business? and perlretut.

But i'm sure that this is not really an optimization. I think, the some solutions given already are probably better.

Edit: I tried to be more precise in judgement...

Best regards, Karl