BNPL habits could now affect your credit score.

With the passing of the Consumer Credit Act 2025, BNPL providers like Atome, GrabPayLater and SPayLater must report your payment behaviour to CTOS — which means your ability to get loans could be impacted.

If you’ve been using BNPL services, it’s more important than ever to understand how it works, pay on time, and track your spending carefully.

Financial freedom starts with being informed.


Maybank got ezpay 36 month with % zero intereest


bank wont sit down in their cushion chair and fight back the fintech start up tech company


if there is a bnpl 12 month with 0% interest, ggwp

but again, BNPL hold billions of GDP now, without them, say good bye salary.


support local, support bnpl , thank u for supporting malaysia economy

not every merchant , if the store dont have atome qr code = dont have atome payment = customer run away = merchant nangis

sometime need ask them but usually they have atome qr code