Aisyah, 26
“I always know I can pay it. I just never know what happens if something goes wrong that month.”
Daniel, 31
“I don't need an app to tell me I'm fine. I need one that tells me the month I stop being fine.”
Wei Jian, 29
“Good week, no problem. Bad week, I'm choosing which one to pay late.”
Farah, 23
“Each one was only about a hundred ringgit a month. I genuinely didn't add them up.”