{"id":27435,"date":"2025-08-01T14:13:16","date_gmt":"2025-08-01T06:13:16","guid":{"rendered":"https:\/\/paydibs.com\/?p=27435"},"modified":"2025-08-04T16:37:52","modified_gmt":"2025-08-04T08:37:52","slug":"bnpl-new-regulation-2025-malaysia","status":"publish","type":"post","link":"https:\/\/paydibs.com\/zh\/bnpl-new-regulation-2025-malaysia\/","title":{"rendered":"BNPL \u7684\u5174\u8d77\u9047\u4e0a\u76d1\u7ba1\uff1a\u9a6c\u6765\u897f\u4e9a\u65b0\u4fe1\u8d37\u6cd5\u5982\u4f55\u6539\u53d8\u683c\u5c40"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"27435\" class=\"elementor elementor-27435\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3eadb8 e-con-full e-flex e-con e-parent\" data-id=\"d3eadb8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c813d3d e-con-full e-flex e-con e-child\" data-id=\"c813d3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1b4beaf e-con-full e-flex e-con e-child\" data-id=\"1b4beaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa24ee8 elementor-widget elementor-widget-image\" data-id=\"aa24ee8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/paydibs.com\/wp-content\/uploads\/2025\/08\/woman-s-hand-shopping-online-through-mobile-phone-laptop.jpg\" class=\"attachment-full size-full wp-image-27437\" alt=\"women paying online\" srcset=\"https:\/\/paydibs.com\/wp-content\/uploads\/2025\/08\/woman-s-hand-shopping-online-through-mobile-phone-laptop.jpg 1280w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/08\/woman-s-hand-shopping-online-through-mobile-phone-laptop-300x169.jpg 300w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/08\/woman-s-hand-shopping-online-through-mobile-phone-laptop-1024x576.jpg 1024w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/08\/woman-s-hand-shopping-online-through-mobile-phone-laptop-768x432.jpg 768w, https:\/\/paydibs.com\/wp-content\/uploads\/2025\/08\/woman-s-hand-shopping-online-through-mobile-phone-laptop-18x10.jpg 18w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f8ec980 elementor-widget elementor-widget-text-editor\" data-id=\"7f8ec980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u66fe\u5728\u7ed3\u8d26\u65f6\u6beb\u4e0d\u72b9\u8c6b\u5730\u70b9\u51fb\u201c\u5148\u4e70\u540e\u4ed8\u201d\uff08Buy Now, Pay Later\uff0c\u7b80\u79f0 BNPL\uff09\uff0c\u90a3\u4e48\u60a8\u5e76\u4e0d\u5b64\u5355\u3002 <\/span><\/p><p><span style=\"font-weight: 400;\">\u8fd9\u4e00\u5c40\u9762\u7ec8\u4e8e\u8fce\u6765\u8f6c\u53d8\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u8fd9\u4e00\u5c40\u9762\u7ec8\u4e8e\u8fce\u6765\u8f6c\u53d8\u3002<\/span><\/p><p class=\"translation-block\"><span style=\"font-weight: 400\">\u622a\u81f32025\u5e748\u6708\uff0c<strong>\u300a2025\u5e74\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u6848\u300b<\/strong> \u5df2\u83b7\u56fd\u4f1a\u901a\u8fc7\uff0c\u4e3a <strong>\u300a\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u300b\uff08CCA\uff09<\/strong> \u7684\u5373\u5c06\u751f\u6548\u94fa\u5e73\u9053\u8def\u3002<\/span><\/p><p class=\"translation-block\"><span style=\"font-weight: 400\">\u8fd9\u9879\u65b0\u6cd5\u89c4\u5c06\u201c\u5148\u4e70\u540e\u4ed8\u201d\u670d\u52a1\u63d0\u4f9b\u5546\u7eb3\u5165\u6b63\u5f0f\u76d1\u7ba1\u8303\u56f4\uff0c\u65e8\u5728\u4fdd\u62a4\u6d88\u8d39\u8005\u548c\u4f01\u4e1a\u7684\u5408\u6cd5\u6743\u76ca\u3002\u90a3\u4e48\uff0c\u8fd9\u5bf9\u666e\u901a\u9a6c\u6765\u897f\u4e9a\u6c11\u4f17\u7a76\u7adf\u610f\u5473\u7740\u4ec0\u4e48\uff1f<\/span><strong><span style=\"text-decoration: underline\"><a href=\"https:\/\/paydibs.com\/zh\/\" target=\"_self\">\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u7f51\u5173<\/a><\/span><\/strong><span style=\"font-weight: 400\"> \u670d\u52a1\u63d0\u4f9b\u5546\u5982 Paydibs\uff0c\u53c8\u5982\u4f55\u5e2e\u52a9\u4f01\u4e1a\u62a2\u5360\u5148\u673a\u3001\u9886\u5148\u4e00\u6b65\uff1f<\/span><\/p><p><span style=\"font-weight: 400;\">\u8ba9\u6211\u4eec\u7528\u7b80\u5355\u7684\u65b9\u5f0f\u4e3a\u60a8\u89e3\u6790\u3002<\/span><\/p><h2><b>\u201c\u5148\u4e70\u540e\u4ed8\u201d\u53d1\u5c55\u8fc5\u901f\uff0c\u4f46\u957f\u671f\u7f3a\u4e4f\u76d1\u7ba1<\/b><\/h2><p><span style=\"font-weight: 400;\">\u591a\u5e74\u6765\uff0c\u201c\u5148\u4e70\u540e\u4ed8\u201d\u670d\u52a1\u5546\u4e00\u76f4\u5904\u4e8e\u76d1\u7ba1\u7070\u8272\u5730\u5e26\u3002\u5b83\u4eec\u65e2\u4e0d\u662f\u94f6\u884c\uff0c\u4e5f\u4e0d\u5b8c\u5168\u7b49\u540c\u4e8e\u7535\u5b50\u94b1\u5305\uff0c\u56e0\u6b64\u65e0\u9700\u9075\u5b88\u5176\u4ed6\u6301\u724c\u91d1\u878d\u673a\u6784\u6240\u9762\u4e34\u7684\u4e25\u683c\u6807\u51c6\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">2022\u5e74\u81f32024\u5e74\u95f4\uff0c\u9a6c\u6765\u897f\u4e9a\u7684BNPL\u4ea4\u6613\u91cf\u8fc5\u901f\u589e\u957f\u3002\u6839\u636e\u9a6c\u6765\u897f\u4e9a\u56fd\u5bb6\u94f6\u884c\uff08Bank Negara Malaysia\uff09\u7684\u6570\u636e\uff0c\u8be5\u671f\u95f4\u7684\u4f7f\u7528\u91cf\u589e\u957f\u8d85\u8fc7\u4e00\u500d\u3002\u7136\u800c\uff0c\u5728\u5feb\u901f\u589e\u957f\u7684\u80cc\u540e\uff0c\u98ce\u9669\u4e5f\u9010\u6e10\u663e\u73b0\uff1a\u8bb8\u591a\u6d88\u8d39\u8005\u5e76\u672a\u610f\u8bc6\u5230\u81ea\u5df1\u5b9e\u9645\u4e0a\u662f\u5728\u4f7f\u7528\u4fe1\u8d37\uff1b\u90e8\u5206\u7528\u6237\u5bf9\u8fd8\u6b3e\u6761\u6b3e\u7406\u89e3\u4e0d\u6e05\uff1b\u5e74\u8f7b\u7528\u6237\uff0c\u5c24\u5176\u662f20\u81f330\u5c81\u7fa4\u4f53\uff0c\u66f4\u5bb9\u6613\u9677\u5165\u8fc7\u5ea6\u6d88\u8d39\u548c\u503a\u52a1\u9677\u9631\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u653f\u5e9c\u610f\u8bc6\u5230\u95ee\u9898\u7684\u4e25\u91cd\u6027\uff0c\u51b3\u5b9a\u5728\u60c5\u51b5\u6076\u5316\u4e4b\u524d\u53ca\u65f6\u4ecb\u5165\uff0c\u63a8\u52a8\u5efa\u7acb\u660e\u786e\u7684\u76d1\u7ba1\u6846\u67b6\u3002<\/span><\/p><h2><b>\u300a\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u300b\u5e26\u6765\u4e86\u54ea\u4e9b\u65b0\u53d8\u5316\uff1f<\/b><\/h2><p class=\"translation-block\">\u300a<strong>\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5<\/strong>\u300b\u7684\u6cd5\u6848\u5df2\u4e8e2025\u5e747\u6708\u83b7\u56fd\u4f1a\u901a\u8fc7\uff0c\u5c06\u5206\u9636\u6bb5\u5b9e\u65bd\uff0c\u4e3aBNPL\u5e73\u53f0\u5236\u5b9a\u4e86\u660e\u786e\u7684\u89c4\u5219\u3002\u8fd9\u4e9b\u670d\u52a1\u63d0\u4f9b\u5546\u73b0\u5c06\u7eb3\u5165\u4e00\u4e2a\u540d\u4e3a\u6d88\u8d39\u8005\u4fe1\u8d37\u76d1\u7ba1\u5c40\uff08Consumer Credit Oversight Board, CCOB\uff09\u7684\u65b0\u76d1\u7ba1\u673a\u6784\u7ba1\u8f96\u3002<\/p><p><span style=\"font-weight: 400;\">\u4e3b\u8981\u53d8\u5316\u5982\u4e0b\uff1a<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Licensing is required.<\/b><span style=\"font-weight: 400;\"> BNPL providers must be registered and follow proper conduct standards.<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Clear communication.<\/b><span style=\"font-weight: 400;\"> Terms must be written in plain language. No more vague or hidden conditions.<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Stronger consumer rights.<\/b><span style=\"font-weight: 400;\"> Providers that use misleading ads or unfair late charges can now face legal penalties.<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Better data protection.<\/b><span style=\"font-weight: 400;\"> BNPL platforms must follow strict rules when collecting and using customer data.<\/span><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">\u5bf9\u7528\u6237\u800c\u8a00\uff0c\u8fd9\u610f\u5473\u7740\u66f4\u9ad8\u7684\u900f\u660e\u5ea6\u3002\u60a8\u5c06\u6e05\u695a\u4e86\u89e3\u81ea\u5df1\u6b20\u6b3e\u7684\u91d1\u989d\u3001\u8fd8\u6b3e\u65f6\u95f4\u4ee5\u53ca\u903e\u671f\u540e\u679c\uff0c\u4e0d\u518d\u9762\u4e34\u610f\u5916\u7684\u8d22\u52a1\u8d1f\u62c5\u3002<\/span><\/p><h2><b>\u8fd9\u5bf9\u4f01\u4e1a\u610f\u5473\u7740\u4ec0\u4e48<\/b><\/h2><p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u7ecf\u8425\u7684\u662f\u63d0\u4f9b\u201c\u5148\u4e70\u540e\u4ed8\u201d\uff08BNPL\uff09\u670d\u52a1\u7684\u7ebf\u4e0a\u5546\u5e97\u6216\u5b9e\u4f53\u96f6\u552e\u5e97\uff0c\u8fd9\u9879\u6cd5\u5f8b\u540c\u6837\u9002\u7528\u4e8e\u60a8\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u5546\u5bb6\u73b0\u5728\u6709\u8d23\u4efb\u786e\u4fdd\u6240\u4f7f\u7528\u7684 BNPL \u670d\u52a1\u6765\u81ea\u5df2\u83b7\u724c\u7167\u5e76\u7ecf\u6279\u51c6\u7684\u6b63\u89c4\u63d0\u4f9b\u5546\u3002\u82e5\u4f7f\u7528\u672a\u7ecf\u8bb8\u53ef\u7684\u670d\u52a1\uff0c\u53ef\u80fd\u635f\u5bb3\u60a8\u7684\u5546\u4e1a\u58f0\u8a89\uff0c\u751a\u81f3\u5f15\u53d1\u6cd5\u5f8b\u98ce\u9669\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u6b64\u65f6\uff0c\u652f\u4ed8\u7f51\u5173\u7684\u91cd\u8981\u6027\u4fbf\u51f8\u663e\u51fa\u6765\u3002<\/span><\/p><h2><b>\u652f\u4ed8\u7f51\u5173\u5982\u4f55\u5e2e\u52a9\u50cf Paydibs \u7684\u4f01\u4e1a\u4fdd\u6301\u5408\u89c4<\/b><\/h2><p><span style=\"font-weight: 400;\">\u5728\u5f53\u4eca\u6570\u5b57\u65f6\u4ee3\uff0c\u652f\u4ed8\u7f51\u5173\u4e0d\u4ec5\u4ec5\u662f\u6536\u6b3e\u5de5\u5177\uff0c\u66f4\u662f\u5e2e\u52a9\u4f01\u4e1a\u7ba1\u7406\u652f\u4ed8\u6d41\u7a0b\u3001\u4fdd\u62a4\u5ba2\u6237\u6570\u636e\u5e76\u9075\u5b88\u76d1\u7ba1\u89c4\u5b9a\u7684\u53ef\u9760\u5408\u4f5c\u4f19\u4f34\u3002<\/span><\/p><p class=\"translation-block\"><span style=\"font-weight: 400\">\u50cf <\/span><b>Paydibs<\/b><span style=\"font-weight: 400\"> \u8fd9\u6837\u7684\u652f\u4ed8\u7f51\u5173\uff0c\u53ef\u5c06\u5546\u6237\u8fde\u63a5\u81f3\u591a\u79cd\u652f\u4ed8\u65b9\u5f0f\uff0c\u5305\u62ec\u4fe1\u7528\u5361\u3001FPX\u3001\u7535\u5b50\u94b1\u5305\u4ee5\u53ca\u5148\u4e70\u540e\u4ed8\uff08BNPL\uff09\u3002\u5728\u65b0\u89c4\u5b9e\u65bd\u540e\uff0cPaydibs \u786e\u4fdd\u5176\u5408\u4f5c\u7684 BNPL \u670d\u52a1\u5747\u4f9d\u6cd5\u6ce8\u518c\u5e76\u5b8c\u5168\u5408\u89c4\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u8fd9\u5c06\u4e3a\u60a8\u7684\u4f01\u4e1a\u5e26\u6765\u4ee5\u4e0b\u4f18\u52bf\uff1a<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u907f\u514d\u4e0e\u65e0\u724c BNPL \u670d\u52a1\u5546\u5408\u4f5c\u7684\u98ce\u9669\u3002<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u987e\u5ba2\u53ef\u4eab\u53d7\u987a\u7545\u3001\u5b89\u5168\u4e14\u900f\u660e\u7684\u7ed3\u8d26\u4f53\u9a8c\u3002<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u60a8\u5c06\u66f4\u52a0\u5b89\u5fc3\uff0c\u56e0\u4e3a\u60a8\u7684\u652f\u4ed8\u7cfb\u7edf\u7b26\u5408\u9a6c\u6765\u897f\u4e9a\u6cd5\u5f8b\u6cd5\u89c4\u3002<\/span><p>\u00a0<\/p><\/li><\/ul><p><span style=\"font-weight: 400;\">\u5bf9\u4e8e\u4e2d\u5c0f\u578b\u5546\u5bb6\u800c\u8a00\uff0c\u5c24\u5176\u662f\u6ca1\u6709\u4e13\u804c\u6cd5\u52a1\u6216\u5408\u89c4\u56e2\u961f\u7684\u4f01\u4e1a\uff0c\u6b64\u7c7b\u652f\u6301\u663e\u5f97\u5c24\u4e3a\u91cd\u8981\uff0c\u80fd\u663e\u8457\u964d\u4f4e\u8fd0\u8425\u98ce\u9669\u5e76\u63d0\u5347\u5ba2\u6237\u4fe1\u4efb\u3002<\/span><\/p><h2><b>\u63a5\u4e0b\u6765\u60a8\u5e94\u8be5\u505a\u4ec0\u4e48<\/b><\/h2><p><b>\u5bf9\u4e8e\u6d88\u8d39\u8005\uff1a<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5728\u4f7f\u7528\u201c\u5148\u4e70\u540e\u4ed8\u201d\u670d\u52a1\u524d\uff0c\u52a1\u5fc5\u786e\u8ba4\u63d0\u4f9b\u5546\u7684\u8eab\u4efd\u3002<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u786e\u4fdd\u8fd8\u6b3e\u6761\u6b3e\u6e05\u6670\u3001\u5408\u7406\uff0c\u65e0\u9690\u85cf\u8d39\u7528\u3002<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u907f\u514d\u4f7f\u7528\u770b\u8d77\u6765\u4e0d\u53ef\u9760\u6216\u63d0\u4f9b\u201c\u597d\u5f97\u4ee4\u4eba\u96be\u4ee5\u7f6e\u4fe1\u201d\u4f18\u60e0\u7684\u670d\u52a1\u5546\u3002<\/span><p>\u00a0<\/p><\/li><\/ul><p><b>\u5bf9\u4e8e\u4f01\u4e1a\u4e3b\uff1a<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u5ba1\u67e5\u60a8\u5f53\u524d\u7684\u652f\u4ed8\u7cfb\u7edf\u8bbe\u7f6e\u3002<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u786e\u4fdd\u60a8\u63d0\u4f9b\u7684 BNPL \u9009\u9879\u6765\u81ea\u5df2\u83b7\u724c\u7167\u7684\u5408\u89c4\u670d\u52a1\u5546\u3002<\/span><p>\u00a0<\/p><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u8054\u7cfb\u60a8\u7684\u652f\u4ed8\u7f51\u5173\u5408\u4f5c\u4f19\u4f34\uff0c\u786e\u8ba4\u5176\u670d\u52a1\u7b26\u5408\u300a\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u300b\u53ca\u76f8\u5173\u76d1\u7ba1\u8981\u6c42\u3002<\/span><p>\u00a0<\/p><\/li><\/ul><h2><b>\u9a6c\u6765\u897f\u4e9a\u201c\u5148\u4e70\u540e\u4ed8\u201d\u7684\u65b0\u7bc7\u7ae0<\/b><\/h2><p><span style=\"font-weight: 400;\">\u9a6c\u6765\u897f\u4e9a\u7684\u201c\u5148\u4e70\u540e\u4ed8\u201d\uff08BNPL\uff09\u5e02\u573a\u5e76\u672a\u653e\u7f13\uff0c\u800c\u662f\u5728\u8d70\u5411\u6210\u719f\u3002\u968f\u7740\u76d1\u7ba1\u89c4\u5219\u548c\u76d1\u7763\u673a\u5236\u7684\u5efa\u7acb\uff0c\u6d88\u8d39\u8005\u5c06\u83b7\u5f97\u66f4\u5b8c\u5584\u7684\u4fdd\u62a4\uff0c\u4f01\u4e1a\u4e5f\u9700\u9075\u5faa\u66f4\u9ad8\u7684\u8fd0\u8425\u6807\u51c6\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u8fd9\u5bf9\u6240\u6709\u4eba\u800c\u8a00\u90fd\u662f\u4e00\u6b21\u79ef\u6781\u7684\u8fc8\u8fdb\u3002<\/span><\/p><p><span style=\"font-weight: 400;\">\u65e0\u8bba\u60a8\u662f\u5728\u7ebf\u8d2d\u7269\u7684\u6d88\u8d39\u8005\uff0c\u8fd8\u662f\u9500\u552e\u5546\u54c1\u7684\u5546\u5bb6\uff0c\u8fd9\u4e00\u65b0\u6846\u67b6\u90fd\u5c06\u4fc3\u8fdb\u4fe1\u4efb\u3001\u63d0\u5347\u900f\u660e\u5ea6\u5e76\u5f3a\u5316\u8d23\u4efb\u610f\u8bc6\u3002\u5728 Paydibs \u7b49\u652f\u4ed8\u7f51\u5173\u5408\u4f5c\u4f19\u4f34\u7684\u652f\u6301\u4e0b\uff0c\u4f01\u4e1a\u80fd\u591f\u5728\u5408\u89c4\u7684\u524d\u63d0\u4e0b\u6301\u7eed\u53d1\u5c55\uff0c\u800c\u6d88\u8d39\u8005\u4e5f\u80fd\u4eab\u53d7\u66f4\u5b89\u5168\u3001\u66f4\u667a\u80fd\u7684\u652f\u4ed8\u9009\u62e9\u3002<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05ee387 elementor-widget elementor-widget-text-editor\" data-id=\"05ee387\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>\u5e38\u89c1\u95ee\u9898<\/strong><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a16f5 elementor-widget elementor-widget-n-accordion\" data-id=\"62a16f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"\u624b\u98ce\u7434\u63a7\u4ef6\uff1a\u4f7f\u7528\u56de\u8f66\u952e\u6216\u7a7a\u683c\u952e\u6253\u5f00\uff0c\u4f7f\u7528Esc\u952e\u5173\u95ed\uff0c\u4f7f\u7528\u65b9\u5411\u952e\u5bfc\u822a\u3002\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1030\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1030\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 1. \u4ec0\u4e48\u662f\u9a6c\u6765\u897f\u4e9a\u7684\u300a\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u300b\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1030\" class=\"elementor-element elementor-element-9d83bfb e-con-full e-flex e-con e-child\" data-id=\"9d83bfb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb90a6f elementor-widget elementor-widget-text-editor\" data-id=\"fb90a6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"113\" data-end=\"391\">\u300a\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u300b\uff08Consumer Credit Act, CCA\uff09\u662f\u9a6c\u6765\u897f\u4e9a\u4e00\u9879\u89c4\u8303\u4fe1\u8d37\u76f8\u5173\u670d\u52a1\u7684\u6cd5\u5f8b\uff0c\u6db5\u76d6\u201c\u5148\u4e70\u540e\u4ed8\u201d\uff08Buy Now, Pay Later, BNPL\uff09\u670d\u52a1\u63d0\u4f9b\u5546\u3002\u8be5\u6cd5\u6848\u65e8\u5728\u901a\u8fc7\u5b9e\u65bd\u4fe1\u606f\u62ab\u9732\u3001\u6301\u724c\u7ecf\u8425\u548c\u516c\u5e73\u7ecf\u8425\u7b49\u8981\u6c42\uff0c\u4fdd\u62a4\u6d88\u8d39\u8005\u6743\u76ca\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1031\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1031\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 2. \u9a6c\u6765\u897f\u4e9a\u73b0\u5728\u662f\u5426\u5df2\u5bf9\u201c\u5148\u4e70\u540e\u4ed8\u201d\uff08BNPL\uff09\u8fdb\u884c\u76d1\u7ba1\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1031\" class=\"elementor-element elementor-element-771d471 e-con-full e-flex e-con e-child\" data-id=\"771d471\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1031\" class=\"elementor-element elementor-element-2106c99 e-con-full e-flex e-con e-child\" data-id=\"2106c99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8de0459 elementor-widget elementor-widget-text-editor\" data-id=\"8de0459\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"398\" data-end=\"600\">\u662f\u7684\u3002\u81ea2025\u5e74\u8d77\uff0c\u9a6c\u6765\u897f\u4e9a\u7684\u201c\u5148\u4e70\u540e\u4ed8\u201d\uff08BNPL\uff09\u670d\u52a1\u5df2\u6b63\u5f0f\u7eb3\u5165\u300a\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u300b\u76d1\u7ba1\uff0c\u5e76\u7531\u6d88\u8d39\u8005\u4fe1\u8d37\u76d1\u7ba1\u5c40\uff08CCOB\uff09\u8fdb\u884c\u76d1\u7763\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1032\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1032\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 3. \u65b0\u7684BNPL\u6cd5\u5bf9\u6d88\u8d39\u8005\u6709\u4f55\u5f71\u54cd\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1032\" class=\"elementor-element elementor-element-e364de1 e-con-full e-flex e-con e-child\" data-id=\"e364de1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77b2994 elementor-widget elementor-widget-text-editor\" data-id=\"77b2994\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"607\" data-end=\"793\">\u6d88\u8d39\u8005\u73b0\u5728\u53ef\u4eab\u53d7\u66f4\u6e05\u6670\u7684\u6761\u6b3e\u3001\u66f4\u5f3a\u7684\u6570\u636e\u4fdd\u62a4\uff0c\u4ee5\u53ca\u9488\u5bf9\u8bef\u5bfc\u6027\u6216\u4e0d\u516c\u5e73 BNPL \u884c\u4e3a\u7684\u6cd5\u5f8b\u4fdd\u969c\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1033\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1033\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 4. \u6839\u636e\u65b0\u7684 BNPL \u6cd5\u5f8b\uff0c\u4f01\u4e1a\u9700\u8981\u505a\u51fa\u4efb\u4f55\u6539\u53d8\u5417\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1033\" class=\"elementor-element elementor-element-0f6c0cc e-flex e-con-boxed e-con e-child\" data-id=\"0f6c0cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6716794 elementor-widget elementor-widget-text-editor\" data-id=\"6716794\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"800\" data-end=\"1029\">\u662f\u7684\u3002\u4f01\u4e1a\u5fc5\u987b\u786e\u4fdd\u4ec5\u63d0\u4f9b\u6765\u81ea\u6301\u724c\u4f9b\u5e94\u5546\u7684BNPL\u9009\u9879\uff0c\u5e76\u4e0e\u5408\u89c4\u7684\u652f\u4ed8\u7cfb\u7edf\u5408\u4f5c\uff0c\u4ee5\u907f\u514d\u6cd5\u5f8b\u6216\u58f0\u8a89\u98ce\u9669\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1034\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1034\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 5. \u5982\u679c BNPL \u63d0\u4f9b\u5546\u672a\u5728\u9a6c\u6765\u897f\u4e9a\u83b7\u5f97\u8bb8\u53ef\uff0c\u4f1a\u53d1\u751f\u4ec0\u4e48\u60c5\u51b5\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1034\" class=\"elementor-element elementor-element-f987a13 e-flex e-con-boxed e-con e-child\" data-id=\"f987a13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4138402 elementor-widget elementor-widget-text-editor\" data-id=\"4138402\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1036\" data-end=\"1228\">\u672a\u7ecf\u8bb8\u53ef\u7684 BNPL \u63d0\u4f9b\u5546\u53ef\u80fd\u9762\u4e34\u6cd5\u5f8b\u8bc9\u8bbc\uff0c\u4f7f\u7528\u5b83\u4eec\u7684\u4f01\u4e1a\u4e5f\u53ef\u80fd\u53d7\u5230\u5904\u7f5a\u6216\u5931\u53bb\u5ba2\u6237\u4fe1\u4efb\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1035\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1035\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 6.\u652f\u4ed8\u7f51\u5173\u5982\u4f55\u5e2e\u52a9\u9075\u5b88BNPL\uff1f <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1035\" class=\"elementor-element elementor-element-2e1a41c e-flex e-con-boxed e-con e-child\" data-id=\"2e1a41c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea1c6e0 elementor-widget elementor-widget-text-editor\" data-id=\"ea1c6e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1235\" data-end=\"1480\">Paydibs \u7b49\u652f\u4ed8\u7f51\u5173\u53ef\u5e2e\u52a9\u4f01\u4e1a\u6574\u5408\u6765\u81ea\u8ba4\u53ef\u63d0\u4f9b\u5546\u7684 BNPL \u670d\u52a1\u3001\u7ba1\u7406\u5b89\u5168\u4ea4\u6613\u5e76\u9075\u5b88\u9a6c\u6765\u897f\u4e9a\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u89c4\u3002<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9f6700 elementor-widget elementor-widget-text-editor\" data-id=\"b9f6700\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u5206\u4eab\uff1a<div class=\"addtoany_shortcode\"><div class=\"a2a_kit a2a_kit_size_32 addtoany_list\" data-a2a-url=\"https:\/\/paydibs.com\/zh\/bnpl-new-regulation-2025-malaysia\/\" data-a2a-title=\"The BNPL Boom Meets Regulation: How Malaysia\u2019s New Credit Law Changes the Game\"><a class=\"a2a_button_facebook\" href=\"https:\/\/www.addtoany.com\/add_to\/facebook?linkurl=https%3A%2F%2Fpaydibs.com%2Fzh%2Fbnpl-new-regulation-2025-malaysia%2F&amp;linkname=The%20BNPL%20Boom%20Meets%20Regulation%3A%20How%20Malaysia%E2%80%99s%20New%20Credit%20Law%20Changes%20the%20Game\" title=\"Facebook\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><a class=\"a2a_button_x\" href=\"https:\/\/www.addtoany.com\/add_to\/x?linkurl=https%3A%2F%2Fpaydibs.com%2Fzh%2Fbnpl-new-regulation-2025-malaysia%2F&amp;linkname=The%20BNPL%20Boom%20Meets%20Regulation%3A%20How%20Malaysia%E2%80%99s%20New%20Credit%20Law%20Changes%20the%20Game\" title=\"X\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><a class=\"a2a_button_linkedin\" href=\"https:\/\/www.addtoany.com\/add_to\/linkedin?linkurl=https%3A%2F%2Fpaydibs.com%2Fzh%2Fbnpl-new-regulation-2025-malaysia%2F&amp;linkname=The%20BNPL%20Boom%20Meets%20Regulation%3A%20How%20Malaysia%E2%80%99s%20New%20Credit%20Law%20Changes%20the%20Game\" title=\"LinkedIn\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><\/div><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b669b4d e-con-full e-flex e-con e-child\" data-id=\"b669b4d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87a6368 e-con-full e-flex e-con e-child\" data-id=\"87a6368\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c0dddc elementor-widget elementor-widget-sidebar\" data-id=\"7c0dddc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sidebar.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"block-3\" class=\"widget blog-sidebar widget-2 widget_block\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">\u8fd1\u671f\u6587\u7ae0<\/h2>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/ssm-business-code-gateway-approval\/\">SSM Business Code: Why MSIC Affects Gateway Approval<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/what-is-msic-code\/\">MSIC Code: What It Is &#038; How To Find Yours (2026)<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/fuel-price-malaysia-business-impact\/\">Fuel Price Malaysia 2026: Updates &#038; Business Impact<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/tin-mismatch-business-payments\/\">Why a Single TIN Mismatch Could Halt Your Business Payments<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/online-store-bnpl-vs-credit-card\/\">BNPL vs. Credit Card: Why Online Store Needs Both Options<\/a><\/li>\n<\/ul><\/div><\/div>\n<\/div><div id=\"block-6\" class=\"widget blog-sidebar widget-2 widget_block\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">\u7c7b\u522b<\/h2>\n\n\n<ul class=\"wp-block-categories-list wp-block-categories-taxonomy-category wp-block-categories\">\t<li class=\"cat-item cat-item-158\"><a href=\"https:\/\/paydibs.com\/zh\/category\/media\/\">\u5a92\u4f53<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-37\"><a href=\"https:\/\/paydibs.com\/zh\/category\/news\/\">\u65b0\u95fb<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-157\"><a href=\"https:\/\/paydibs.com\/zh\/category\/payments-fintech\/\">Payments &amp; Fintech<\/a>\n<\/li>\n<\/ul><\/div><\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve ever clicked \u201cBuy Now, Pay Later\u201d (BNPL) at checkout without thinking twice, you\u2019re not alone. It\u2019s fast, convenient, and lets you split your payment without pulling out your credit card. But as BNPL became more popular across Malaysia, especially in fashion and electronics, one thing was missing: proper regulation. That is finally changing. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":27437,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-27435","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>BNPL in Malaysia Now Regulated: What the Consumer Credit Act Means for 2025<\/title>\r\n<meta name=\"description\" content=\"Malaysia\u2019s BNPL services are now under official regulation with the 2025 Consumer Credit Act. Learn how this affects shoppers, businesses, and how payment gateways like Paydibs help ensure compliance.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/paydibs.com\/zh\/bnpl-new-regulation-2025-malaysia\/\" \/>\r\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"BNPL in Malaysia Now Regulated: What the Consumer Credit Act Means for 2025\" \/>\r\n<meta property=\"og:description\" content=\"Malaysia\u2019s BNPL services are now under official regulation with the 2025 Consumer Credit Act. Learn how this affects shoppers, businesses, and how payment gateways like Paydibs help ensure compliance.\" \/>\r\n<meta property=\"og:url\" content=\"https:\/\/paydibs.com\/zh\/bnpl-new-regulation-2025-malaysia\/\" \/>\r\n<meta property=\"og:site_name\" content=\"Paydibs\" \/>\r\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/paydibs\/\" \/>\r\n<meta property=\"article:published_time\" content=\"2025-08-01T06:13:16+00:00\" \/>\r\n<meta property=\"article:modified_time\" content=\"2025-08-04T08:37:52+00:00\" \/>\r\n<meta property=\"og:image\" content=\"https:\/\/paydibs.com\/wp-content\/uploads\/2025\/08\/woman-s-hand-shopping-online-through-mobile-phone-laptop.jpg\" \/>\r\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\r\n\t<meta property=\"og:image:height\" content=\"720\" \/>\r\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\r\n<meta name=\"author\" content=\"Paydibs Malaysia\" \/>\r\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\r\n<meta name=\"twitter:creator\" content=\"@paydibs\" \/>\r\n<meta name=\"twitter:site\" content=\"@paydibs\" \/>\r\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"Paydibs Malaysia\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 \u5206\" \/>\r\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u9a6c\u6765\u897f\u4e9a\u73b0\u5bf9\u201c\u5148\u4e70\u540e\u4ed8\u201d\u8fdb\u884c\u76d1\u7ba1\uff1a\u300a\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u300b\u5bf92025\u5e74\u7684\u5f71\u54cd","description":"\u9a6c\u6765\u897f\u4e9a\u7684\u201c\u5148\u4e70\u540e\u4ed8\u201d\uff08BNPL\uff09\u670d\u52a1\u73b0\u5df2\u7eb3\u5165\u5b98\u65b9\u76d1\u7ba1\uff0c\u300a2025\u5e74\u6d88\u8d39\u8005\u4fe1\u8d37\u6cd5\u300b\u6b63\u5f0f\u751f\u6548\u3002\u4e86\u89e3\u8fd9\u9879\u6cd5\u89c4\u5bf9\u6d88\u8d39\u8005\u3001\u4f01\u4e1a\u7684\u5f71\u54cd\uff0c\u4ee5\u53ca\u50cf Paydibs \u8fd9\u6837\u7684\u652f\u4ed8\u7f51\u5173\u5982\u4f55\u5e2e\u52a9\u4f01\u4e1a\u786e\u4fdd\u5408\u89c4\u3002","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/paydibs.com\/zh\/bnpl-new-regulation-2025-malaysia\/","og_locale":"zh_CN","og_type":"article","og_title":"BNPL in Malaysia Now Regulated: What the Consumer Credit Act Means for 2025","og_description":"Malaysia\u2019s BNPL services are now under official regulation with the 2025 Consumer Credit Act. 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