Buy Now, Pay Later in Malaysia: Smart Use or Debt Trap?
Introduction Buy Now, Pay Later (BNPL) services have become increasingly popular in Malaysia. From online shopping to in-store purchases, BNPL allows consumers to split payments into smaller instalments — often with zero interest. At first glance, BNPL feels like a smart financial solution. But for many Malaysians, it slowly turns into a hidden debt trap. […]
The Cost of Staying Trendy: How FOMO is Driving Malaysian Youths into Debt
In today’s digital-first world, Malaysian youths are increasingly falling into debt—and social media trends are a major culprit. With the pressure to stay trendy and showcase a luxurious lifestyle online, many teenagers and young adults are spending beyond their means. This alarming trend, fueled by the Fear of Missing Out (FOMO), is creating long-term financial […]