{"id":8770,"date":"2025-02-24T11:16:17","date_gmt":"2025-02-24T03:16:17","guid":{"rendered":"https:\/\/blog.ninjavan.co\/en-my\/?p=8770"},"modified":"2025-02-24T11:16:18","modified_gmt":"2025-02-24T03:16:18","slug":"bnpl-paling-hebat-atome-vs-spaylater-vs-grab-paylater","status":"publish","type":"post","link":"https:\/\/blog.ninjavan.co\/en-my\/bnpl-paling-hebat-atome-vs-spaylater-vs-grab-paylater\/","title":{"rendered":"BNPL Paling Hebat? Atome Vs. SPayLater Vs. Grab PayLater"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Beli Sekarang, Bayar Nanti\u2014Trend Pembayaran Masa Kini<\/strong><\/h2>\n\n\n\n<p>Beli sekarang, bayar nanti semakin popular di Malaysia, terutamanya dalam kalangan belia yang gemar membeli secara online.<\/p>\n\n\n\n<p>Dengan <strong>BNPL (Buy Now, Pay Later)<\/strong>, anda boleh membeli barangan idaman tanpa risau tentang bayaran. Pilihan tanpa faedah ini mengubah cara kita berbelanja dan mengurus kewangan.<\/p>\n\n\n\n<p>Sesuai untuk pembeli bijak dan peniaga yang mahu tingkatkan jualan dalam dunia e-dagang.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Apa Itu Beli Sekarang, Bayar Kemudian (BNPL)?<\/strong><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1280\" height=\"640\" src=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-24-1280x640.png\" alt=\"Apa itu Beli Sekarang, Bayar Kemudian (BNPL)? BNPL adalah pilihan pembayaran yang membenarkan pengguna, seperti anda, untuk \u2018beli sekarang\u2019 tanpa membayar jumlah penuh pada waktu transaksi. \" class=\"wp-image-8791\" srcset=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-24-1280x640.png 1280w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-24-720x360.png 720w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-24-768x384.png 768w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-24-1536x768.png 1536w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-24.png 1920w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<p><strong>Apa itu beli sekarang, bayar kemudian (BNPL)?<\/strong> BNPL adalah pilihan pembayaran yang membenarkan pengguna, seperti anda, untuk \u2018beli sekarang\u2019 tanpa membayar jumlah penuh pada waktu transaksi.<\/p>\n\n\n\n<p>Sebaliknya, anda boleh \u2018bayar kemudian\u2019 dengan membahagikan kos keseluruhan ke dalam ansuran <strong>tanpa faedah<\/strong> atau membayar jumlah penuh dalam tempoh tertentu.<\/p>\n\n\n\n<p><strong>Contoh:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Harga barangan: <\/strong>RM600<\/li>\n\n\n\n<li><strong>Pilihan pembayaran: <\/strong>3 ansuran tanpa faedah<\/li>\n\n\n\n<li><strong>Pengiraan: <\/strong>RM600 \u00f7 3 ansuran = RM200 setiap bulan<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Dengan BNPL, anda membayar <strong>RM200 setiap bulan selama 3 bulan tanpa sebarang faedah<\/strong>.<\/p>\n\n\n\n<p>Anda boleh menikmati barangan tersebut dengan segera, sementara pembayaran dibahagikan dalam tempoh yang lebih fleksibel.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"612\" height=\"408\" src=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-27.png\" alt=\"\" class=\"wp-image-8795\" \/><\/figure>\n<\/div>\n\n\n<p>Fleksibiliti ini membolehkan individu menikmati produk dengan segera dan membahagikan beban kewangan, menjadikannya alternatif yang menarik dan mesra bajet berbanding kaedah pembayaran tradisional yang mungkin mempunyai kadar faedah tinggi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bagaimana BNPL Berfungsi?<\/strong><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-28.png\" alt=\"\" class=\"wp-image-8797\" srcset=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-28.png 1024w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-28-720x480.png 720w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-28-768x512.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Untuk membuat pembelian melalui BNPL, anda perlu menggunakan platform pihak ketiga, contohnya <strong>Atome<\/strong>, <strong>SPayLater oleh Shopee<\/strong>, atau <strong>Grab PayLater<\/strong> di Malaysia.<\/p>\n\n\n\n<p>Setelah memilih pilihan BNPL di kaunter pembayaran atau dalam talian, anda mungkin diminta untuk membuat bayaran pendahuluan, seperti ansuran pertama.<\/p>\n\n\n\n<p>Baki jumlah boleh dibayar melalui ansuran atau pada masa lain, mengikut terma yang dipersetujui.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>3 Platform BNPL Popular di Malaysia<\/strong><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"628\" src=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/BNPL-Paling-Hebat-Atome-Vs.-SPayLater-Vs.-Grab-PayLater-2.png\" alt=\"\" class=\"wp-image-8798\" srcset=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/BNPL-Paling-Hebat-Atome-Vs.-SPayLater-Vs.-Grab-PayLater-2.png 1200w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/BNPL-Paling-Hebat-Atome-Vs.-SPayLater-Vs.-Grab-PayLater-2-720x377.png 720w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/BNPL-Paling-Hebat-Atome-Vs.-SPayLater-Vs.-Grab-PayLater-2-768x402.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<p>Dengan banyaknya platform BNPL di pasaran Malaysia, pengguna dan peniaga e-dagang mempunyai pelbagai pilihan. Berikut adalah beberapa platform yang popular:<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-vivid-red-color has-text-color has-link-color wp-elements-9ccfa39826be842cdf3c0dda0aa64202\"><strong>#1. Atome<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1040\" height=\"642\" src=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/atome.png\" alt=\"\" class=\"wp-image-8799\" srcset=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/atome.png 1040w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/atome-720x444.png 720w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/atome-768x474.png 768w\" sizes=\"(max-width: 1040px) 100vw, 1040px\" \/><\/figure>\n\n\n\n<p><strong>Apa itu Atome?<\/strong> Atome adalah platform BNPL yang membolehkan pengguna membahagikan pembayaran kepada <strong>tiga ansuran tanpa faedah<\/strong>.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.atome.my\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Atome<\/strong><\/a> mempunyai rangkaian lebih <strong>2,000 rakan runcit<\/strong> dalam talian dan luar talian. Jenama popular seperti <strong>Zalora, Uniqlo, dan Sephora<\/strong> menerima Atome sebagai kaedah pembayaran.<\/p>\n\n\n\n<p>Walau bagaimanapun, bayaran lewat boleh dikenakan penalti sebanyak <strong>RM23<\/strong>, dengan caj tambahan <strong>RM7<\/strong> dalam kes tertentu.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\ud83d\udc49 <strong>Nak tahu lebih lanjut?<\/strong> Lihat <strong><a href=\"https:\/\/www.atome.my\/paylater-stores\/allstore\" target=\"_blank\" rel=\"noreferrer noopener\">senarai penuh peniaga<\/a> yang menerima Atome<\/strong> di sini!<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading has-vivid-red-color has-text-color has-link-color wp-elements-0625e4c1745603a08ca9eea36501aa66\"><strong>#2. Grab PayLater<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"260\" src=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/paylaterbygrab-1280x260.png\" alt=\"\" class=\"wp-image-8800\" srcset=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/paylaterbygrab-1280x260.png 1280w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/paylaterbygrab-720x146.png 720w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/paylaterbygrab-768x156.png 768w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/paylaterbygrab-1536x312.png 1536w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/paylaterbygrab.png 1920w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<p><strong>Apa itu <\/strong><a href=\"https:\/\/www.grab.com\/my\/finance\/pay-later\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Grab PayLater<\/strong><\/a><strong>?<\/strong> Grab PayLater adalah perkhidmatan BNPL oleh Grab yang membolehkan pengguna <strong>membayar dalam ansuran<\/strong> atau <strong>pada bulan berikutnya tanpa caj tambahan<\/strong>.<\/p>\n\n\n\n<p><strong>Bagaimana cara mendapatkan Grab PayLater?<\/strong><\/p>\n\n\n\n<p>Tidak semua pengguna Grab boleh menggunakan Grab PayLater secara automatik. Untuk <strong>how to get Grab PayLater<\/strong>, anda boleh:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 Semak di aplikasi Grab jika anda layak untuk PayLater.<\/li>\n\n\n\n<li>\u2705 Gunakan Grab secara kerap untuk perkhidmatan seperti <strong>GrabFood, GrabCar, dan GrabExpress<\/strong>.<\/li>\n\n\n\n<li>\u2705 Pastikan akaun anda bebas daripada sekatan atau tunggakan.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\ud83d\ude80 <strong>Berita baik!<\/strong> Grab PayLater kini boleh digunakan di <strong>Foodpanda dan Lazada Malaysia<\/strong>, memberikan lebih banyak pilihan kepada pengguna untuk membeli secara fleksibel.<\/p>\n<\/blockquote>\n\n\n\n<p>Dengan <strong>PayLater by Grab<\/strong>, anda boleh memilih antara dua kaedah pembayaran:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1\ufe0f\u20e3 <strong>PayLater Postpaid<\/strong> \u2013 Bayar penuh pada bulan berikutnya.<\/li>\n\n\n\n<li>2\ufe0f\u20e3 <strong>PayLater Instalments<\/strong> \u2013 Bayar dalam <strong>4 ansuran bulanan tanpa faedah<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Grab PayLater juga memberi anda <a href=\"https:\/\/www.grab.com\/my\/rewards\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>GrabRewards<\/strong><\/a>, membolehkan anda menebus diskaun dan baucar tambahan!<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u26a0\ufe0f <strong>Caj tambahan:<\/strong> RM10 untuk bayaran pentadbiran dan penalti untuk bayaran lewat.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading has-vivid-red-color has-text-color has-link-color wp-elements-1d3cf1f06d2245cc91f2c1c40f7fa49b\"><strong>#3. SPayLater (oleh Shopee)<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1132\" height=\"240\" src=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/spaylater.png\" alt=\"\" class=\"wp-image-8801\" srcset=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/spaylater.png 1132w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/spaylater-720x153.png 720w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/spaylater-768x163.png 768w\" sizes=\"(max-width: 1132px) 100vw, 1132px\" \/><\/figure>\n\n\n\n<p><strong>Apa itu <\/strong><a href=\"https:\/\/help.shopee.com.my\/portal\/4\/article\/159856?previousPage=other%20articles\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SPayLater<\/strong><\/a><strong>?<\/strong> SPayLater adalah platform BNPL eksklusif untuk <strong>pengguna Shopee<\/strong>.<\/p>\n\n\n\n<p><strong>Cara nak dapatkan Shopee Pay Later:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\ud83d\udd39 Anda perlu menjadi <strong>pengguna aktif Shopee<\/strong> dan memenuhi syarat kelayakan.<\/li>\n\n\n\n<li>\ud83d\udd39 Pastikan akaun Shopee anda <strong>telah disahkan<\/strong> dan tidak mempunyai sejarah tunggakan.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>SPayLater menawarkan dua pilihan pembayaran:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 <strong>Bayar bulan depan tanpa caj tambahan<\/strong>.<\/li>\n\n\n\n<li>\u2705 <strong>Pelan ansuran fleksibel<\/strong> (2, 3, 6, 12, 18, atau 24 bulan) dengan <strong>yuran pemprosesan 1.5% setiap bulan<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>\ud83d\udea8 <strong>SPayLater Interest:<\/strong> Walaupun tiada faedah langsung, terdapat <strong>yuran pemprosesan<\/strong> yang dikira sebagai caj tambahan. Oleh itu, pastikan anda memahami kos keseluruhan sebelum menggunakan SPayLater.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\ud83d\udca1 <strong>Cara nak guna SPayLater?<\/strong> Ikut <a href=\"https:\/\/help.shopee.com.my\/portal\/4\/article\/161700?previousPage=other%20articles\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>tutorial lengkap di sini<\/strong><\/a><strong>!<\/strong><\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Adakah SPayLater Malaysia Mematuhi Shariah?<\/strong><\/h4>\n\n\n\n<p>\u2705 <strong>SPayLater Malaysia disahkan mematuhi Shariah<\/strong> oleh <strong><a href=\"https:\/\/shopee.com.my\/m\/spaylater-shariah-cert?previousPage=other%20articles\" target=\"_blank\" rel=\"noreferrer noopener\">Amanie Advisors<\/a><\/strong>, memastikan transaksi BNPL ini <strong>halal<\/strong> dan selaras dengan prinsip kewangan Islam.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83c\udfc6 <strong>Pay Later Apps Mana Yang Paling Hebat?<\/strong><\/h2>\n\n\n\n<p>Dalam persaingan yang sengit, <strong>Grab PayLater menduduki tempat teratas<\/strong> dalam arena BNPL, mengatasi SPayLater dengan hanya satu mata, manakala Atome berada di belakang.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Platform<\/strong><\/td><td><strong>Kelebihan<\/strong><\/td><td><strong>Kekurangan<\/strong><\/td><\/tr><tr><td>\ud83e\udd47 <strong>Grab PayLater<\/strong><\/td><td>Pilihan pembayaran fleksibel, boleh digunakan di Foodpanda dan Lazada, GrabRewards<\/td><td>Penalti untuk bayaran lewat, bayaran pentadbiran RM10<\/td><\/tr><tr><td>\ud83e\udd48 <strong>SPayLater (Shopee)<\/strong><\/td><td>Pilihan ansuran fleksibel, pembayaran tanpa faedah<\/td><td>Yuran pemprosesan 1.5% setiap bulan<\/td><\/tr><tr><td>\ud83e\udd49 <strong>Atome<\/strong><\/td><td>Mudah digunakan, tiada faedah, banyak rakan niaga<\/td><td>Penalti lewat RM23<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Walaupun setiap perkhidmatan menawarkan manfaat dan kekurangan yang unik, pilihan terbaik bergantung kepada keperluan individu anda.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Adakah BNPL Mempengaruhi Skor Kredit di Malaysia?<\/strong><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-31.png\" alt=\"\" class=\"wp-image-8808\" srcset=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-31.png 1024w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-31-720x405.png 720w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-31-768x432.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>BNPL boleh memberi kesan kepada skor kredit anda<\/strong> jika anda terlepas pembayaran atau mempunyai hutang tertunggak. Jika tertunggak secara berulang, penyedia BNPL mungkin akan <strong>melaporkan ke CTOS atau CCRIS<\/strong>, menyebabkan <a href=\"https:\/\/logmasuk.my\/buy-now-pay-later\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>skor kredit menurun<\/strong><\/a>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\ud83d\udccc <strong>Tip bijak:<\/strong> Pastikan pembayaran BNPL dibuat <strong>tepat pada masanya<\/strong> untuk mengelakkan sebarang kesan negatif terhadap skor kredit anda!<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Adakah Buy Now, Pay Later Dikawal Selia di Malaysia?<\/strong><\/h2>\n\n\n\n<p>Perkhidmatan <strong>Buy Now, Pay Later (BNPL)<\/strong> di Malaysia kini berada dalam fasa peralihan.<\/p>\n\n\n\n<p>Walaupun belum dikawal selia secara langsung, landskap ini sedang berubah. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1030\" height=\"671\" src=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-30.png\" alt=\"\" class=\"wp-image-8805\" srcset=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-30.png 1030w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-30-720x469.png 720w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/image-30-768x500.png 768w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/figure>\n\n\n\n<p><strong>Akta Kredit Pengguna (CCA) sedang dirangka untuk membawa penyedia BNPL di bawah pengawasan Bank Negara Malaysia (BNM), dengan pelaksanaan dijangka pada akhir 2024. (<a href=\"https:\/\/www.bernama.com\/bm\/news.php\/news.php?id=2353779\" target=\"_blank\" rel=\"noreferrer noopener\">sumber<\/a>)<\/strong><\/p>\n\n\n\n<p>Peraturan baharu ini bertujuan memastikan amalan pemberian pinjaman yang bertanggungjawab dan melindungi pengguna, terutamanya dalam aspek pemeriksaan kredit dan yuran yang telus.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong>Nak Tahu Apa Lagi Yang Boleh BNPL? <\/strong><\/strong><a href=\"https:\/\/www.ninjavan.co\/ms-my\/logistics-solutions\/last-mile-parcel-delivery\/ninja-van-biz?utm_source=blog&amp;utm_medium=organic&amp;utm_campaign=my-blog-ninja-biz-body-link-bnpl-paling-hebat\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Ninja Biz<\/strong><\/a><strong><strong>!<\/strong><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.ninjavan.co\/ms-my\/logistics-solutions\/last-mile-parcel-delivery\/ninja-van-biz?utm_source=blog&amp;utm_medium=organic&amp;utm_campaign=my-blog-ninja-biz-body-link-bnpl-paling-hebat\" target=\"_blank\" rel=\" noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"470\" src=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/Ninja-Biz-CTA-Banner_1_MAL-1280x470.png\" alt=\"\" class=\"wp-image-10146\" srcset=\"https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/Ninja-Biz-CTA-Banner_1_MAL-1280x470.png 1280w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/Ninja-Biz-CTA-Banner_1_MAL-720x264.png 720w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/Ninja-Biz-CTA-Banner_1_MAL-768x282.png 768w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/Ninja-Biz-CTA-Banner_1_MAL-1536x564.png 1536w, https:\/\/blog.ninjavan.co\/en-my\/wp-content\/uploads\/sites\/3\/2024\/12\/Ninja-Biz-CTA-Banner_1_MAL-2048x752.png 2048w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/a><\/figure>\n\n\n\n<p>\ud83d\ude9a <strong>Ship First, Pay Later<\/strong> serendah <strong><a href=\"https:\/\/www.ninjavan.co\/ms-my\/logistics-solutions\/last-mile-parcel-delivery\/ninja-van-biz?utm_source=blog&amp;utm_medium=organic&amp;utm_campaign=my-blog-ninja-biz-body-link-bnpl-paling-hebat\" target=\"_blank\" rel=\"noreferrer noopener\">RM6.50<\/a><\/strong>!<\/p>\n\n\n\n<p>Jika anda peniaga dalam talian yang mencari <strong>kadar penghantaran berpatutan<\/strong>, Ninja Van adalah jawapannya!<\/p>\n\n\n\n<p>\ud83d\udca5 <strong>Bonus!<\/strong> Daftar sebagai pengguna baharu dan dapatkan promosi bulanan ekslusif, seperti:<strong> <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Penghantaran <strong>PERCUMA<\/strong>! \ud83c\udf81<\/li>\n\n\n\n<li>Diskaun kos penghantaran sehingga 20%<\/li>\n\n\n\n<li>Dan banyak lagi!<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udd17 <strong><a href=\"https:\/\/www.ninjavan.co\/ms-my\/logistics-solutions\/last-mile-parcel-delivery\/ninja-van-biz?utm_source=blog&amp;utm_medium=organic&amp;utm_campaign=my-blog-ninja-biz-body-link-bnpl-paling-hebat\" target=\"_blank\" rel=\"noreferrer noopener\">Ketahui lebih lanjut di sini<\/a>!<\/strong><\/h4>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dapatkan info terkini tentang tren BNPL di Malaysia. Beli sekarang, bayar nanti tanpa faedah, dan shopping jadi mudah!<\/p>\n","protected":false},"author":48,"featured_media":8790,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"BNPL Paling Hebat? Atome Vs. SPayLater Vs. Grab PayLater","_seopress_titles_desc":"Dapatkan info terkini tentang tren BNPL di Malaysia. Beli sekarang, bayar nanti tanpa faedah, dan shopping jadi mudah!","_seopress_robots_index":"","footnotes":""},"categories":[516],"tags":[751,748,122,752,753,749,616,750],"class_list":["post-8770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-viral-malaysia","tag-atome","tag-bnpl","tag-ecommerce","tag-grab","tag-grab-paylater","tag-pay-later-app","tag-shopee","tag-spaylater"],"_links":{"self":[{"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/posts\/8770","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/users\/48"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/comments?post=8770"}],"version-history":[{"count":27,"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/posts\/8770\/revisions"}],"predecessor-version":[{"id":10147,"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/posts\/8770\/revisions\/10147"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/media\/8790"}],"wp:attachment":[{"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/media?parent=8770"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/categories?post=8770"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.ninjavan.co\/en-my\/wp-json\/wp\/v2\/tags?post=8770"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}