PAYLATER Malaysia was established in November 2020 by KALE (TECHNOLOGY) SDN BHD. PAYLATER Malaysia is Malaysia’s leading alternative payment solution with the concept of "Buy Now Pay Later" (BNPL). This product is made in Malaysia by Malaysian and for the love of Malaysians.

PAYLATER Malaysia has more than 3,000+ stores nationwide, 1,200+ brands, and counting. Handling the high transaction volume while maintaining high availability, impeccable security, and the ability to auto-scale is crucial for the brand to serve its continually growing customer base.

The geographical setup and future expansion plans of Alibaba Cloud's infrastructure are well aligned with the global growth plans in the operational rollout of PAYLATER’s exchanges.

Alibaba Cloud provides high availability of 99.95% uptime backed with service-level agreements (SLA) and offers elastic scaling capabilities to dynamically provision and de-provision cloud resources based on the workload demands.

With the cloud computing technologies and capabilities of Alibaba Cloud, PAYLATER Malaysia was able to expand its reach across Malaysia while also meeting the demanding expectations of its customers.

Through Alibaba Cloud's core products lineup, specifically Elastic Compute Service (ECS) and Object Storage Service (OSS), and database products like ApsaraDB RDS for MySQL, PAYLATER Malaysia was able to store a massive volume of data with Alibaba Cloud's full database and storage solution with high elasticity at low costs.

Next, with Alibaba Cloud Server Load Balancer (SLB), PAYLATER’s Malaysia network can easily respond to sudden traffic spikes and minimize response times, and through Alibaba Cloud's Cloud Enterprise Network (CEN), Content Delivery Network (CDN), PAYLATER Malaysia could quickly migrate its networks to the cloud and create a network solution with enterprise-level scalability. Alibaba Cloud’s Anti-DDoS premium, Security Center, and Web Application Firewall (WAF) enable PAYLATER Malaysia to manage data with end-to-end security.

Besides, by applying the ZOLOZ Real ID solution, it helped PAYLATER to reduce turnaround time significantly when verifying customer accounts with a world leading, proprietary, anti-spoofing algorithm for authentication.

The ZOLOZ solution also helped on reducing manual data checks by up to 80%, a single application and approval can complete within 5 minutes.

As financial technology continues to drive the digital mobile finance momentum, PAYLATER Malaysia looks forward to collaborating with Alibaba Cloud and uncover new innovative ways to boost customer satisfaction.

It aims to deliver more digitized experiences for its customers, improve operational efficiency, and innovate at scale by leveraging Alibaba Cloud’s technological innovations in the finance industry.

PAYLATER Malaysia looks forward to working with Alibaba Cloud continuously to enrich the business scenarios of PAYLATER Malaysia Buy Now Pay Later Service, expand access to corporate financial services, and contribute to the real economy.