I have been working with technology since the 90s, back when having a website at all was the innovation. The promise back then was simple: technology makes things faster. Nobody talked about trust. Nobody had to.
Engaging with people about their debt is one of the most interpersonally demanding jobs there is. Our teams speak with individuals who are under real financial pressure.
I’ve been in this space long enough to know one uncomfortable truth: debt collection is an industry that suffers from a branding problem.
We’ve all seen it, flashy ads promising instant gratification. “Buy Now, Pay Later” is everywhere. It feels easy, effortless, almost harmless.
Recently, the Dewan Rakyat passed the landmark Consumer Credit Bill 2025, setting in motion one of the most significant regulatory reforms Malaysia’s credit landscape has ever seen. This new bill establishes the Consumer Credit Commission (CCC) to regulate and supervise non-bank credit providers, bringing previously unregulated entities, including Buy Now, Pay Later (BNPL) services and debt collection agencies, into a formal governance framework for the first time.
