Ciri-Ciri Utama Skim BNPL
-
Model Perniagaan
Penyedia BNPL membayar peniaga untuk barang atau perkhidmatan yang dibeli oleh pengguna, biasanya pada kadar diskaun yang dipersetujui. Pengguna kemudiannya membayar semula harga penuh pembelian kepada penyedia BNPL berdasarkan terma yang telah dipersetujui. Walau bagaimanapun, terdapat beberapa model perniagaan lain yang diamalkan dalam pasaran. Sesetengah penyedia BNPL membayar peniaga sepenuhnya dan mendapatkan kembali jumlah tersebut melalui pembayaran balik pengguna dengan margin tertentu. Sementara itu, terdapat juga penyedia BNPL yang mengenakan caj kepada kedua-dua peniaga dan pengguna, pada kadar diskaun atau margin yang lebih rendah.
-
Platform Digital
Kebanyakan skim BNPL beroperasi sepenuhnya dalam talian, menjadikannya mudah diakses dan diurus melalui aplikasi mudah alih atau laman web. Walau bagaimanapun, penting untuk diperhatikan bahawa terdapat skim BNPL berskala kecil yang menyasarkan industri khusus atau segmen pengguna tertentu yang turut menggunakan platform luar talian.BNPL beroperasi sepenuhnya dalam talian, menjadikannya mudah diakses dan diurus melalui aplikasi atau laman web.
-
Struktur Bayaran Balik
Pengguna boleh membuat bayaran balik secara pembayaran tunggal selepas tempoh tertentu atau membahagikan pembayaran kepada beberapa ansuran. Ini ditawarkan sama ada tanpa sebarang caj atau dengan caj, yuran, atau faedah yang berkaitan.
-
Kelulusan Pembayaran
Kelulusan lazimnya diberikan bagi setiap transaksi, serta‑merta semasa proses pembayaran, atau berdasarkan had kredit yang telah ditetapkan.
-
Penerimaan oleh Peniaga
Walaupun skim BNPL pada mulanya ditawarkan terutamanya untuk pembelian dalam talian, ia kini semakin diterima di kedai runcit fizikal. BNPL sering digunakan untuk perbelanjaan harian, khususnya dalam makanan dan minuman, membeli-belah runcit, pengangkutan dan pelbagai pembelian berkaitan perkhidmatan.
Preparing Industry Players for Compliance Ahead of June Authorisation
KUALA LUMPUR, 13 May 2026 – The Suruhanjaya Kredit Pengguna (SKP) is intensifying industry engagement effort ahead of the implementation of authorisation – covering licensing and registration – under the Consumer Credit Act 2025. This marks a significant milestone in bringing non-bank credit providers and credit service providers within a formal regulatory framework.
As part of this effort, SKP will conduct Industry Briefing sessions on 18 and 19 May 2026. The sessions are intended to provide the relevant unregulated credit industries with the understanding of the necessary requirements and to assist them in preparing for compliance ahead of the authorisation rollout in June.
Under Phase 1 of the Act’s implementation, six key business activities are brought into scope: buy now pay later scheme (BNPL), factoring, leasing, debt collection, impaired loan or financing acquisition, as well as debt counselling and management. SKP has reached out to entities that have been identified as carrying on these business activities to participate in the industry engagement. Any unidentified or potential regulatees operating within these sectors must also come forward and register their interest via skp.gov.my, to ensure their inclusion in the regulatory engagement process.
This outreach initiative forms part of SKP’s broader effort to facilitate a smooth and orderly transition ahead of the authorisation phase.
The CCA and the establishment of SKP are key parts of the Government’s broader reform agenda to build a more transparent, responsible and inclusive consumer credit ecosystem. The regulatory framework aims to strengthen credit consumer protection and empowerment, while providing greater clarity and consistency for industry players to operate professionally and responsibly.
Executive Chairman Abu Hassan Alshari Yahaya said: “Constructive engagement with the industry is vital. The Commission’s priority is to ensure that all relevant industry participants are aware of their obligations under the CCA and are well prepared ahead of the implementation of the new regulatory requirements. Early engagement will support a smooth transition and contribute to a more transparent and responsible consumer credit industry.
SKP remains committed to building an ecosystem anchored in high standards of conduct, while ensuring that our regulatory framework remains proportionate, enables sustainable growth and responsible innovation.”
The licensing and registration requirements under the Act will take effect on 1 June 2026, with a six-month transition period provided for industry players to apply for the relevant licence or registration. Failure to comply with these requirements may result in enforcement action by SKP.
Suruhanjaya Kredit Pengguna
13 May 2026