Tech and finance for Malaysia — financial literacy without the product pitch, and technology coverage that says whether it matters.
Financial literacy for Malaysians — how money actually works, explained without jargon or product pitches.
Budgeting, emergency funds, and the habits that compound.
Bursa, unit trusts, ETFs, and what the numbers mean before you buy.
KWSP accounts, dividends, withdrawal rules, and whether you are actually on track.
Shariah-compliant instruments, sukuk, and how they differ in practice.
What the policy covers, what it excludes, and what you are paying for.
Loans, credit scores, CCRIS/CTOS, and getting out from under it.
LHDN filing, reliefs, and the deadlines that cost money to miss.
Digital banks, e-wallets, DuitNow, and BNM policy that affects your account.
The Consumer Credit Act brings BNPL providers under a single regulator for the first time. What changes for the four million Malaysians already using it.
For three years buy-now-pay-later sat in a gap between the Financial Services Act and the Hire Purchase Act, regulated by neither. That gap is closing, and the providers who grew fastest inside it have the most to rework. [demo]
EPF declares one dividend rate each year, and most members multiply it by their year-end balance. That is not the calculation, and the gap between the two numbers is larger than most people expect. [demo]
The licences were granted on the promise of serving the underbanked. The published figures suggest two of the five are pursuing that mandate and the rest are competing for deposits that were never underserved. [demo]
The two are frequently presented as interchangeable with one labelled Shariah-compliant. The risk-pooling structure underneath is genuinely different, and it changes outcomes in ways worth understanding before you sign. [demo]
Currency commentary tends to reach for domestic explanations. The correlation with US rate expectations accounts for considerably more of the movement than anything happening in Kuala Lumpur. [demo]
Fact sheets are designed to be skimmed, and the numbers that determine your return are rarely the ones given the most space. [demo]
The standard advice is three to six months of expenses. The reasoning behind the number matters more than the number, and for some households it points somewhere quite different. [demo]