The “Wild West” days are over. Malaysia’s consumer credit space is going legit — and fast.In this Part 2 of our deep dive into the Consumer Credit Bill 2025, we go beyond the basics and into the practical challenges facing Buy Now Pay Later (BNPL) providers and other fintech players.In this episode of the HHQ Legal Insight Podcast, our Technology Practice Group Partners, Ong Johnson and Khai Yi Lo, join host Zach Shaw to answer the tough questions:✅ What happens if you operate BNPL without a licence?✅ What is the actual licensing process — and how strict is it?✅ Can startups survive the financial and regulatory hurdles?✅ What are the “fit and proper” tests for business owners?✅ Can you buy a BNPL business — or transfer a licence?✅ How should existing operators start preparing today?💡 If you're in fintech, compliance, or credit services — this episode is your survival guide.🔔 Don’t forget to like, subscribe, and hit the notification bell to stay updated on our latest episodes.