Ability to repay
Affordability and instalment-load review
Whether the file shows a real attempt to judge instalment burden — income, existing deductions, and living costs — rather than a score pass dressed up as affordability.
From RM 6,200 per engagement · Usually 2–4 weeks
A credit score can rank risk. It cannot, by itself, show that a particular instalment was affordable for the person who applied. Malaysian consumer-credit expectations still turn on whether the lender (or the BNPL provider standing in that role) took reasonable steps to understand repayment capacity.
We read how income was evidenced — payslip, bank statement, declared figure, or merchant estimate — and whether existing instalments, including other BNPL plans, were visible to the decision. We also look at whether living-cost assumptions were documented or silently assumed.
Where policy allows thin-file approvals, we check that the thin-file path was the one actually used, and that the file does not borrow language from a full assessment that never happened.
Findings are written so a credit manager can change a checklist, a threshold, or a merchant script — not so a vendor can pitch a new model.