$1 Club, page-23090

There is nothing wrong with philsy's comment.

Malaysia is fighting and losing grounds socially and economically to the covid situation.
The government relief and handouts have not trickled down well, there is mass unemployment and this filters up to people's spending.
Trying to tack on bnpl growth projections onto Malaysia at this point in time is moot. Like many have said partnerships need to show results on the bottom line.
I'm sure/hope maybe it would pick up later down the line but this year seems like a write off.