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Report
Malaysia Buy Now Pay Later Business and Investment Opportunities - 75+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics - Q1 2025 Update
Market Report I 2025-02-10 I 88 Pages I PayNxt360
According to PayNXT360, BNPL payment market in Malaysia is expected to grow by 15.1% on annual basis to reach US$2,524.0 million in 2025.
The BNPL market in the country experienced robust growth during 2021-2024, achieving a CAGR of 24.0%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 10.9% during 2025-2030. By the end of 2030, the BNPL sector is projected to expand from its 2024 value of USD 2,192.3 million to approximately USD 4,228.0 million.
This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in Malaysia, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics.
It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an in-depth understanding of end market dynamics.
PayNXT360's research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.
Key Insights
Malaysia's BNPL market is evolving rapidly, driven by the surge in e-commerce, diversification into non-traditional sectors, and increasing regulatory focus. Providers such as Atome and Grab PayLater are shaping the market by expanding their offerings and catering to consumer demand for flexible payment solutions.
Over the next 2-4 years, BNPL is expected to become a standard payment method across industries, with innovation and compliance playing a critical role in sustaining growth. Providers must balance expansion with responsible lending practices as the market matures to build long-term consumer trust and stability.
Increasing Adoption of BNPL Services
- Malaysia's BNPL market has grown rapidly, with over 5 million users in 2023, driven by expanding providers such as Atome, Grab PayLater, and Rely. The increasing use of BNPL services for small-ticket items such as electronics, fashion, and daily essentials reflects its versatility and appeal to younger demographics. This growth signifies consumer preference for flexible and convenient payment solutions across various spending categories.
- The expansion of Malaysia's e-commerce market, has created a strong demand for alternative payment methods such as BNPL. With limited credit card penetration and consumers looking to avoid interest-based loans, BNPL has emerged as an attractive option for Millennials and Gen Z. Its zero-interest installment plans align with the financial needs of these demographics, bridging the gap left by traditional credit products.
- Over the next 2-4 years, BNPL is expected to solidify its position as a mainstream payment method for both high-ticket and everyday purchases in Malaysia. Providers will likely introduce innovative features such as loyalty programs and digital wallet integrations to enhance customer retention and attract new users. As adoption intensifies, the BNPL market will play a pivotal role in shaping Malaysia's retail and financial landscape.
Expansion into Non-Traditional Sectors
- BNPL services in Malaysia are expanding into non-traditional sectors such as healthcare, education, and travel, reflecting their growing versatility. Providers such as Grab PayLater have partnered with healthcare providers to offer installment options for medical treatments, addressing affordability concerns for high-cost services. Similarly, Atome has entered the travel segment, enabling consumers to pay for travel-related expenses in manageable installments, opening new opportunities for consumers and merchants.
- Consumer demand for flexible payment options in essential and high-value services is a primary driver of BNPL's growth beyond retail. Rising living costs and the shift toward aspirational spending have prompted consumers to seek installment-based solutions for medical treatments and tuition fees. For merchants in these sectors, BNPL offers a competitive edge by attracting cost-sensitive customers and providing accessible payment alternatives, boosting sales and customer satisfaction.
- Over the next 2-4 years, BNPL's expansion into non-traditional sectors is expected to grow, creating new revenue streams for providers and increasing consumer accessibility to essential services. However, higher-value transactions in sectors such as healthcare and education may necessitate enhanced credit assessments and risk management by BNPL providers. This diversification will likely strengthen BNPL's role in Malaysia's financial ecosystem, catering to consumer needs and merchant opportunities.
Rising Regulatory Oversight
- Regulatory oversight of BNPL services in Malaysia is intensifying as authorities aim to address concerns about consumer debt and transparency. Bank Negara Malaysia (BNM) has emphasized the importance of responsible lending practices, encouraging providers to reassess their business models. This regulatory push reflects a proactive approach to mitigating financial risks associated with BNPL's rapid growth, particularly for vulnerable consumer groups.
- Concerns about over-indebtedness, especially among younger consumers, have been a significant driver of increased scrutiny. Many BNPL users may not fully understand the financial implications of deferred payments, raising the need for better transparency in terms and conditions. Additionally, Malaysia's regulatory approach has been influenced by global trends in markets such as Singapore and Australia, where stricter regulations have been introduced to enhance consumer protection within the BNPL ecosystem.
- Over the next 2-4 years, increased regulatory oversight is expected to foster greater transparency and build consumer trust in BNPL services. Providers will likely need to implement stricter credit assessments and clearer disclosures, which could enhance the sector's reputation. However, smaller BNPL providers may face operational challenges in meeting compliance requirements, potentially leading to market consolidation as larger players dominate the regulated environment.
Competitive Landscape and Regulatory Developments in Malaysia's Buy Now, Pay Later (BNPL) Market
Malaysia's BNPL market is undergoing rapid growth, driven by rising e-commerce adoption and increasing demand for flexible payment options. Key players such as Atome, Grab PayLater, and Shopee PayLater have established strong footholds, contributing to a highly competitive market landscape. Recent strategic partnerships, such as that of Standard Chartered and Pine Labs, underscore the dynamic nature of the sector as providers aim to expand their reach and service offerings.
Over the next 2-4 years, the Malaysian BNPL market will see further consolidation as established players strengthen their market positions through mergers and acquisitions. Simultaneously, regulatory changes, led by Bank Negara Malaysia under the forthcoming Consumer Credit Act, will likely foster transparency and consumer protection, shaping a more robust and sustainable BNPL ecosystem. Providers must adapt to these evolving dynamics to maintain competitiveness and meet regulatory standards, ensuring long-term growth and consumer trust.
Current State of the BNPL Market
- Malaysia's BNPL market is experiencing significant expansion, this surge reflects the increasing adoption of BNPL services among Malaysian consumers, particularly driven by the widespread growth of e-commerce platforms. BNPL has become a convenient alternative payment method, enabling consumers to manage purchases through flexible installment options.
- The rapid penetration of e-commerce in Malaysia has played a critical role in driving BNPL adoption, as consumers increasingly prefer seamless and flexible payment methods for online transactions. Additionally, the demand for alternative financial solutions that cater to budget-conscious individuals is fueling the popularity of BNPL, making it a vital component of Malaysia's evolving retail and payment landscape.
Key Players and New Entrants
- Atome: A leading BNPL provider in Malaysia, Atome has established a strong presence across various retail sectors.
- Grab PayLater: Integrated into the Grab ecosystem, Grab PayLater offers BNPL services to its extensive user base, enhancing consumer payment flexibility.
- Shopee PayLater: Shopee's BNPL service has gained significant traction, contributing to the platform's competitive edge in e-commerce.
- Rely: As a BNPL provider, Rely has expanded its services in Malaysia, catering to the growing demand for installment payment options.
Anticipated Competitive Dynamics
- The Malaysian BNPL market is expected to grow as established players seek to strengthen their positions through mergers and acquisitions. New entrants, both domestic and international, are likely to enter the market, intensifying competition. Providers may focus on diversifying their services and forming strategic partnerships to differentiate themselves in a crowded market.
Regulatory Changes Implemented
- In response to the rapid growth of BNPL schemes, Bank Negara Malaysia (BNM) has announced plans to regulate the industry under the forthcoming Consumer Credit Act (CCA). The proposed legislation aims to increase consumer protection against the risks of unfettered borrowing and will require BNPL providers to adhere to stricter lending standards.
1 About this Report
1.1 Summary
1.2 Methodology
1.3 BNPL Definitions
1.4 Disclaimer
2 Malaysia Buy Now Pay Later Industry Attractiveness
2.1 Malaysia Buy Now Pay Later - Gross Merchandise Value Trend Analysis, 2021-2030
2.2 Malaysia Buy Now Pay Later - Average Value Per Transaction Trend Analysis, 2021-2030
2.3 Malaysia Buy Now Pay Later-Transaction Volume Trend Analysis, 2021-2030
2.4 Malaysia Buy Now Pay Later Market Share Analysis by Key Players, 2024
3 Malaysia Buy Now Pay Later Operational KPIs
3.1 Buy Now Pay Later Revenues, 2021-2030
3.2 Buy Now Pay Later Share by Revenue Segments, 2021-2030
3.2.1 Buy Now Pay Later Revenue by Merchant Commission, 2021-2030
3.2.2 Buy Now Pay Later Revenue by Missed Payment Fee Revenue, 2021-2030
3.2.3 Buy Now Pay Later Revenue by Pay Now & Other Income, 2021-2030
3.3 Buy Now Pay Later Active Consumer Base, 2021-2030
3.4 Buy Now Pay Later Bad Debt, 2021 - 2024 - 2030
4 Buy Now Pay Later Spend Analysis by Business Model, 2021-2030
4.1 Buy Now Pay Later Two-Party Business Model, 2021-2030
4.2 Buy Now Pay Later Three-Party Business Model, 2021-2030
5 Buy Now Pay Later Spend Analysis by Purpose, 2021-2030
5.1 Buy Now Pay Later Convenience, 2021-2030
5.2 Buy Now Pay Later Credit, 2021-2030
6 Buy Now Pay Later Spend Analysis by Functional Attribute, 2021-2030
6.1 Buy Now Pay Later by Open Loop System, 2021-2030
6.2 Buy Now Pay Later by Closed Loop System, 2021-2030
7 Buy Now Pay Later Spend Analysis by Distribution Model, 2021-2030
7.1 Buy Now Pay Later by Standalone, 2021-2030
7.2 Buy Now Pay Later by Banks & Payment Service Providers, 2021-2030
7.3 Buy Now Pay Later by Marketplaces, 2021-2030
8 Malaysia Buy Now Pay Later Spend Analysis by Sales Channel
8.1 Buy Now Pay Later Market Share by Sales Channel, 2021-2030
8.2 Buy Now Pay Later Online Channel Market Size and Forecast, 2021-2030
8.3 Buy Now Pay Later POS Channel Market Size and Forecast, 2021-2030
9 Malaysia Buy Now Pay Later Snapshot by End-Use Sector, 2021-2030
9.1 Buy Now Pay Later Market Share by End-Use Sector, 2024
9.2 Buy Now Pay Later Sales Uplift by End-Use Segment, 2024
10 Malaysia Buy Now Pay Later in Retail Shopping: Market Size and Forecast, 2021-2030
10.1 Malaysia Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis, 2021-2030
10.2 Malaysia Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis, 2021-2030
10.3 Malaysia Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis, 2021-2030
11 Malaysia Buy Now Pay Later Market Size and Forecast by Retail Product Categories
11.1 Buy Now Pay Later Share by Retail Product Category, 2024
11.2 Malaysia Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis, 2021-2030
11.3 Malaysia Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis, 2021-2030
11.5 Malaysia Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis, 2021-2030
11.6 Malaysia Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis, 2021-2030
11.7 Malaysia Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis, 2021-2030
11.8 Malaysia Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis, 2021-2030
11.9 Malaysia Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis, 2021-2030
12 Malaysia Buy Now Pay Later in Home Improvement: Market Size and Forecast, 2021-2030
12.1 Malaysia Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis, 2021-2030
12.2 Malaysia Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis, 2021-2030
12.3 Malaysia Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis, 2021-2030
13 Malaysia Buy Now Pay Later in Travel: Market Size and Forecast, 2021-2030
13.1 Malaysia Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis, 2021-2030
13.2 Malaysia Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis, 2021-2030
13.3 Malaysia Buy Now Pay Later Travel - Transaction Volume Trend Analysis, 2021-2030
14 Malaysia Buy Now Pay Later in Media and Entertainment: Market Size and Forecast, 2021-2030
14.1 Malaysia Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis, 2021-2030
14.2 Malaysia Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis, 2021-2030
14.3 Malaysia Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis, 2021-2030
15 Malaysia Buy Now Pay Later in Service: Market Size and Forecast, 2021-2030
15.1 Malaysia Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis, 2021-2030
15.2 Malaysia Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis, 2021-2030
15.3 Malaysia Buy Now Pay Later Service - Transaction Volume Trend Analysis, 2021-2030
16 Malaysia Buy Now Pay Later in Automotive: Market Size and Forecast, 2021-2030
16.1 Malaysia Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis, 2021-2030
16.2 Malaysia Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis, 2021-2030
16.3 Malaysia Buy Now Pay Later Automotive - Transaction Volume Trend Analysis, 2021-2030
17 Malaysia Buy Now Pay Later in Healthcare and Wellness: Market Size and Forecast, 2021-2030
17.1 Malaysia Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis, 2021-2030
17.2 Malaysia Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis, 2021-2030
17.3 Malaysia Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis, 2021-2030
18 Malaysia Buy Now Pay Later in Others: Market Size and Forecast, 2021-2030
18.1 Malaysia Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis, 2021-2030
18.2 Malaysia Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis, 2021-2030
18.3 Malaysia Buy Now Pay Later Others - Transaction Volume Trend Analysis, 2021-2030
19 Malaysia Buy Now Pay Later Analysis by Consumer Attitude and Behaviour, 2021-2030
19.1 Buy Now Pay Later Spend Share by Age Group, 2024
19.1.1 Malaysia Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.2 Malaysia Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.3 Malaysia Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis, 2021-2030
19.1.4 Malaysia Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis, 2021-2030
19.2 Buy Now Pay Later Spend Share by Default Rate by Age Group, 2024
19.3 Buy Now Pay Later Share by Income, 2024
19.3.1 Malaysia Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis, 2021-2030
19.3.2 Malaysia Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis, 2021-2030
19.3.3 Malaysia Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis, 2021-2030
19.4 Buy Now Pay Later Gross Merchandise Value Share by Gender, 2024
19.5 Buy Now Pay Later Adoption Rationale, 2024
19.6 Malaysia Buy Now Pay Later Market - Spend by Monthly Expense Segments, 2024
20 Further Reading
20.1 About PayNXT360
20.2 Related Research
Table 1: Malaysia Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 2: Malaysia Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 3: Malaysia Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 4: Malaysia Buy Now Pay Later - Revenues (US$ Million), 2021-2030
Table 5: Malaysia Buy Now Pay Later - Merchant Commission (US$ Million), 2021-2030
Table 6: Malaysia Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2021-2030
Table 7: Malaysia Buy Now Pay Later Pay Now - Other Income (US$ Million), 2021-2030
Table 8: Malaysia Buy Now Pay Later - Active Consumer Base (Thousand), 2021-2030
Table 9: Malaysia Buy Now Pay Later - Bad Debt (US$ Million), 2022-2024-2030
Table 10: Malaysia Buy Now Pay Later - Two-Party Business Model (US$ Million), 2021-2030
Table 11: Malaysia Buy Now Pay Later - Three-Party Business Model (US$ Million), 2021-2030
Table 12: Malaysia Buy Now Pay Later - Convenience (US$ Million), 2021-2030
Table 13: Malaysia Buy Now Pay Later - Credit (US$ Million), 2021-2030
Table 14: Malaysia Buy Now Pay Later - Open Loop System (US$ Million), 2021-2030
Table 15: Malaysia Buy Now Pay Later - Closed Loop System (US$ Million), 2021-2030
Table 16: Malaysia Buy Now Pay Later - Standalone (US$ Million), 2021-2030
Table 17: Malaysia Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2021-2030
Table 18: Malaysia Buy Now Pay Later - Marketplaces (US$ Million), 2021-2030
Table 19: Malaysia Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2021-2030
Table 20: Malaysia Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2021-2030
Table 21: Malaysia Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 22: Malaysia Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 23: Malaysia Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 24: Malaysia Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 25: Malaysia Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 26: Malaysia Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 27: Malaysia Buy Now Pay Later Retail Shopping - Jewellery - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 28: Malaysia Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 29: Malaysia Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 30: Malaysia Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 31: Malaysia Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 32: Malaysia Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 33: Malaysia Buy Now Pay Later Retail Shopping Home Improvement - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 34: Malaysia Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 35: Malaysia Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 36: Malaysia Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 37: Malaysia Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 38: Malaysia Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 39: Malaysia Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 40: Malaysia Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 41: Malaysia Buy Now Pay Later Service- Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 42: Malaysia Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 43: Malaysia Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 44: Malaysia Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 45: Malaysia Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 46: Malaysia Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 47: Malaysia Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 48: Malaysia Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 49: Malaysia Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 50: Malaysia Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Table 51: Malaysia Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2021-2030
Table 52: Malaysia Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 53: Malaysia Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 54: Malaysia Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 55: Malaysia Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 56: Malaysia Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 57: Malaysia Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Table 58: Malaysia Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 1: PayNXT360's Methodology Framework
Figure 2: Malaysia Buy Now Pay Later - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 3: Malaysia Buy Now Pay Later - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 4: Malaysia Buy Now Pay Later - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 5: Malaysia Buy Now Pay Later - Market Share Analysis by Key Players (by Value), 2024
Figure 6: Malaysia Buy Now Pay Later - Revenues (US$ Million), 2021-2030
Figure 7: Buy Now Pay Later Share - Revenue Segments (%), 2021-2030
Figure 8: Malaysia Buy Now Pay Later - Merchant Commission (US$ Million), 2021-2030
Figure 9: Malaysia Buy Now Pay Later - Missed Payment Fee Revenue (US$ Million), 2021-2030
Figure 10: Malaysia Buy Now Pay Later Pay Now - Other Income (US$ Million), 2021-2030
Figure 11: Malaysia Buy Now Pay Later - Active Consumer Base (Thousand), 2021-2030
Figure 12: Malaysia Buy Now Pay Later - Bad Debt (US$ Million), 2021-2024-2030
Figure 13: Malaysia Buy Now Pay Later Spend Analysis by Business Model (%), 2021-2030
Figure 14: Malaysia Buy Now Pay Later - Two-Party Business Model (US$ Million), 2021-2030
Figure 15: Malaysia Buy Now Pay Later - Three-Party Business Model (US$ Million), 2021-2030
Figure 16: Malaysia Buy Now Pay Later Spend Analysis by Purpose (%), 2021-2030
Figure 17: Malaysia Buy Now Pay Later - Convenience (US$ Million), 2021-2030
Figure 18: Malaysia Buy Now Pay Later - Credit (US$ Million), 2021-2030
Figure 19: Malaysia Buy Now Pay Later Spend Analysis by Functional Attribute (%), 2021-2030
Figure 20: Malaysia Buy Now Pay Later - Open Loop System (US$ Million), 2021-2030
Figure 21: Malaysia Buy Now Pay Later - Closed Loop System (US$ Million), 2021-2030
Figure 22: Malaysia Buy Now Pay Later Spend Analysis by Distribution Model (%), 2021-2030
Figure 23: Malaysia Buy Now Pay Later - Standalone (US$ Million), 2021-2030
Figure 24: Malaysia Buy Now Pay Later - Banks & Payment Service Providers (US$ Million), 2021-2030
Figure 25: Malaysia Buy Now Pay Later - Marketplaces (US$ Million), 2021-2030
Figure 26: Malaysia Buy Now Pay Later - Gross Merchandise Value Market Share by Sales Channel (%), 2021-2030
Figure 27: Malaysia Buy Now Pay Later - Gross Merchandise Value by Online Channel (US$ Million), 2021-2030
Figure 28: Malaysia Buy Now Pay Later - Gross Merchandise Value by POS Channel (US$ Million), 2021-2030
Figure 29: Malaysia Buy Now Pay Later - Market Share by End-Use Sector (%), 2024
Figure 30: Malaysia Buy Now Pay Later - Market Share by End-Use Segment (%), 2024
Figure 31: Malaysia Buy Now Pay Later Retail Shopping - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 32: Malaysia Buy Now Pay Later Retail Shopping - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 33: Malaysia Buy Now Pay Later Retail Shopping - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 34: Malaysia Buy Now Pay Later - Market Share by Retail Product Category (%), 2024
Figure 35: Malaysia Buy Now Pay Later Retail Shopping - Apparel, Footwear & Accessories - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 36: Malaysia Buy Now Pay Later Retail Shopping - Consumer Electronics - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 37: Malaysia Buy Now Pay Later Retail Shopping - Toys, Kids, and Babies - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 38: Malaysia Buy Now Pay Later Retail Shopping - Jewellery- Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 39: Malaysia Buy Now Pay Later Retail Shopping - Sporting Goods - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 40: Malaysia Buy Now Pay Later Retail Shopping - Entertainment & Gaming - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 41: Malaysia Buy Now Pay Later Retail Shopping - Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 42: Malaysia Buy Now Pay Later Home Improvement - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 43: Malaysia Buy Now Pay Later Home Improvement - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 44: Malaysia Buy Now Pay Later Home Improvement - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 45: Malaysia Buy Now Pay Later Travel - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 46: Malaysia Buy Now Pay Later Travel - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 47: Malaysia Buy Now Pay Later Travel - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 48: Malaysia Buy Now Pay Later Media and Entertainment - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 49: Malaysia Buy Now Pay Later Media and Entertainment - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 50: Malaysia Buy Now Pay Later Media and Entertainment - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 51: Malaysia Buy Now Pay Later Service - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 52: Malaysia Buy Now Pay Later Service - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 53: Malaysia Buy Now Pay Later Service - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 54: Malaysia Buy Now Pay Later Automotive - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 55: Malaysia Buy Now Pay Later Automotive - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 56: Malaysia Buy Now Pay Later Automotive - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 57: Malaysia Buy Now Pay Later Healthcare and Wellness - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 58: Malaysia Buy Now Pay Later Healthcare and Wellness - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 59: Malaysia Buy Now Pay Later Healthcare and Wellness - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 60: Malaysia Buy Now Pay Later Others - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 61: Malaysia Buy Now Pay Later Others - Average Value Per Transaction Trend Analysis (US$), 2021-2030
Figure 62: Malaysia Buy Now Pay Later Others - Transaction Volume Trend Analysis (Thousand), 2021-2030
Figure 63: Malaysia Buy Now Pay Later - Share by Age Group in Value Terms (%), 2024
Figure 64: Malaysia Buy Now Pay Later by Age Group - Gen Z (15-27) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 65: Malaysia Buy Now Pay Later by Age Group - Millennials (28-44) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 66: Malaysia Buy Now Pay Later by Age Group - Gen X (45 - 60) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 67: Malaysia Buy Now Pay Later by Age Group - Baby Boomers (60+) - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 68: Malaysia Buy Now Pay Later - Share by Default Rate by Age Group in Value Terms (%), 2024
Figure 69: Malaysia Buy Now Pay Later - Share by Income Group in Value Terms (%), 2024
Figure 70: Malaysia Buy Now Pay Later by Income Level - Tier 1 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 71: Malaysia Buy Now Pay Later by Income Level - Tier 2 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 72: Malaysia Buy Now Pay Later by Income Level - Tier 3 - Gross Merchandise Value Trend Analysis (US$ Million), 2021-2030
Figure 73: Malaysia Buy Now Pay Later - Share by Gender in Value Terms (%), 2024
Figure 74: Buy Now Pay Later - Adoption Rationale by Value, 2024
Figure 75: Malaysia Buy Now Pay Later - Monthly Expense Segments, 2024
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Whilst we try to make our online platform as easy to use as possible there is always the possibility that a better alternative has not been found in your search.
To avoid this possibility Contact us through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346 and a Senior Team Member can review your requirements and send a list of possibilities with opinions and recommendations.
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- Confirm Content
- Prices / Formats / Delivery
- Prices
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All prices are set by our partners and should be exactly the same as those listed on their own websites. We work on a Revenue share basis ensuring that you never pay more than what is offered elsewhere.
Should you find the price cheaper on another platform we recommend you to Contact us as we should be able to match this price. You can Contact us though through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Discounts
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As we work in close partnership with our Partners from time to time we can secure discounts and assist with negotiations, this is part of our personalised service to you.
Discounts can sometimes be arranged for speedily placed orders; multiple report purchases or Higher License purchases.
To check if a Discount is possible please Contact our experienced team through ‘? ASK A QUESTION’, support@scotts-international.com, or by telephoning 0048 603 394 346.
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- Available Currencies
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Most Market Reports on our platform are listed in USD or EURO based on the wishes of our Partners. To avoid currency fluctuations and potential price differentiations we do not offer the possibility to change the currency online.
Should you wish to pay in a different currency to that advertised online we do accept payments in USD, EURO, GBP and PLN. The price will be calculated based on the relevant exchange rate taken from our National Bank.
To pay in a different above currency to that advertised online please Contact our team and a quotation will be sent within a couple of hours with payment details.
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- Licenses
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License options vary from Partner to Partner as is usually based on the number of Users that will benefitting from the report. It is very important that License ordered is not breached as this could have potential negative consequences for you individually or your employer.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
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- Global Site License
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The Global Site License is the most comprehensive license available. By selecting this license, the Market Report can be shared with other ‘Allowed Users’ and any other member of staff from the same organisation regardless of geographic location.
It is important to note that this may exclude Parent Companies or Subsidiaries.
If you have questions or need confirmation about the specific license we recommend you to Contact us and a detailed explanation will be provided.
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- Formats
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The most common format is PDF, however in certain circumstances data may be present in Excel format or Online, especially in the case of Database or Directories. In addition, for certain higher license options a CD may also be provided.
If you have questions or need clarification about the specific formats we recommend you to Contact us and a detailed explanation will be provided.
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- Delivery
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Delivery is fulfilled by our partners directly. Once an order has been placed we inform the partner by sharing the delivery email details given in the order process.
Delivery is usually made within 24 hours of an order being placed, however it may take longer should your order be placed prior to the weekend or if otherwise specified on the Market Report details page. Additionally, if details have been not fully completed in the Order process a delay in delivery is possible.
If a delay in delivery is expected you will be informed about it immediately.
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- Shipping Charges
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As most Market Reports are delivered in PDF format we almost never have to add additional Shipping Charges. If, however you are ordering a Higher License service or a specific delivery format (e.g. CD version) charges may apply.
If you are concerned about additional Shipping Charges we recommend you to Contact us to double check.
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- Prices
- Ordering
- By Credit Card
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We work in Partnership with PayU to ensure payments are made securely in a fast and effortless way. PayU is the e-payments division of Naspers.
Naspers operates in over 133 International Markets and ranks 3rd Globally in terms of the number of e-commerce customers served.
For more information on PayU please visit: https://www.payu.pl/en/about-us
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- By Money Transfer
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If you require an invoice prior to payment, this is possible. To ensure a speedy delivery of the Market Report we require all relevant company details and you agree to maximum payment terms of 30 days from receipt of order.
With our regular clients deliver of the Market Report can be made prior to receiving payment, however in some circumstances we may ask for payment to be received before arranging for the Market Report to be delivered.
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- By Credit Card
- Security
- Website security
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We have specifically partnered with leading International companies to protect your privacy by using different technologies and processes to ensure security.
Everything submitted to Scotts International is encrypted via SSL (Secure Socket Layer) and all personal information provided to Scotts International is stored on computer systems with limited access in controlled environments.
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- Credit Card Security
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We partner with PayU (https://www.payu.pl/en/about-us) to ensure all credit card payments are made securely in a fast and effortless way.
PayU offers 250+ various payment channels and eWallet services across 4 continents allowing buyers to pay electronically, whether on a computer or a mobile device.
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- Website security