What the customer saw
Disclosure, fees, and cooling-off check
A comparison of the file’s claimed acknowledgements with the screens, scripts, and documents that were actually in use — including late fees, add-on services, and cancellation windows.
From RM 5,400 per engagement · Usually 2–3 weeks
BNPL can look simple at the till and dense in the terms. The audit question is not whether a PDF exists in a repository. It is whether this customer, on this day, in this channel, was shown the version the file relies on.
We line up screen-shots, script cards, and document hashes against timestamps in the application record. Where a merchant used a shortened explanation, we say so. Where cooling-off was described as a return policy for goods rather than a right attached to the credit, we say so.
Add-on insurance, extended warranty, and ‘skip a payment’ features are included when they were offered in the same flow. They change the instalment load and the disclosure story.
The output is a set of gaps that legal and operations can close without waiting for a full system rebuild.