How to mitigate risks when investing with Peer-to-Peer financing (P2P)

  In recent years, the landscape of SME financing has undergone a radical transformation. With the rise of AI (Artificial Intelligence) and Fintech (Financial Technology) , small and medium-sized enterprises now have access to faster, smarter, and more inclusive financing solutions than ever before. Whether you're exploring business loans in Malaysia or seeking innovative ways to fund your company, understanding how these technologies are reshaping the lending process is crucial. The Traditional SME Loan Landscape Traditionally, securing an SME loan involved lengthy paperwork, strict collateral requirements, and prolonged waiting times. Many SMEs—especially startups or those with limited credit histories—found themselves excluded from traditional financing channels. In countries like Malaysia, despite a growing number of small businesses, access to business financing remained a key challenge. This gap opened the door for Fintech and AI-driven solutions to disrupt and democra...

  Medical devices and supplies are often essential, but their costs can be difficult to manage upfront. From mobility aids to wellness monitors, these purchases can strain your budget — especially when they’re unexpected. That’s where Buy Now, Pay Later (BNPL) comes in. BNPL is emerging as a flexible solution within health care financing , allowing individuals to access vital health products while spreading the cost over time. Whether you're looking to support your recovery, manage a chronic condition, or invest in preventative care, BNPL offers a simpler way to pay. Understanding Health Care Financing Before diving deeper into BNPL, it’s important to understand the broader concept of health care financing . At its core, health care financing refers to how individuals, families, and health systems pay for medical expenses. This can include insurance plans, out-of-pocket payments, government subsidies, and alternative financing methods like personal loans. Today, digital solutions ...

  Small and medium-sized enterprises (SMEs) are the backbone of any economy, and in Malaysia, they make up 97% of all business establishments. However, despite their importance, SMEs often face significant challenges when it comes to accessing capital. Traditional lending models frequently fall short due to rigid credit criteria, long approval times, and limited reach. This is where embedded finance is poised to revolutionize the landscape of SME financing in Malaysia . What is Embedded Finance? Embedded finance refers to the integration of financial services—such as loans, insurance, or payments—into non-financial platforms. For example, ride-hailing apps offering micro-insurance or e-commerce platforms providing business loans to merchants. This model eliminates the need for businesses to approach traditional financial institutions, allowing them to access financing directly through the digital tools they already use. In the context of SME financing Malaysia , embedded finance re...