What was the impact of the AI solution?

Reduced manual data checks by up to 80%. Completed a single application and approval within 5 minutes. Achieved 99.95% uptime with SLA support and elastic scaling.

Source

AlibabaScaled productionEvidence: Medium65/100

PAYLATER Malaysia: eKYC and BNPL platform infrastructure on ECS, OSS, ApsaraDB RDS, WAF, and ZOLOZ Real ID

Use case typeIdentity verificationUpdated 1 day ago

PAYLATER Malaysia was established in November 2020 by KALE (TECHNOLOGY) SDN BHD. It is Malaysia's leading buy now pay later (BNPL) solution and has more than 3,000 stores nationwide and 1,200 brands. The company migrated and built its BNPL exchange and network infrastructure on Alibaba Cloud to handle high transaction volume while maintaining high availability, security, and fast customer account verification for onboarding at scale.

Organization: PAYLATER Malaysia
Industry: Finance
Location: Malaysia
Published: July 2026

Reported outcomes

Application and approval time: 5 minutes

Time & speed

Manual data checks reduced: Up to 80% lowerUptime: +99.95%

Strategic outcomes

Scale & capacityExpanded reach across Southeast AsiaCustomer experience & trustFaster customer account verification

Why do we believe this?Outcome claims, sources, and evidence checks

Normalized claim

Manual data checks reduced: 80% decrease

Alibaba Cloud CustomersJul 31, 2026Customer storyExplicit claimMedium evidence strength

reducing manual data checks by up to 80%

Normalized claim

Application and approval time: 5 minutes decrease

Alibaba Cloud CustomersJul 31, 2026Customer storyExplicit claimMedium evidence strength

a single application and approval can complete within 5 minutes

Normalized claim

Uptime: 100% increase

Alibaba Cloud CustomersJul 31, 2026Customer storyExplicit claimMedium evidence strength

high availability of 99.95% uptime

Why do we believe this deployment?Customer identity, provider attribution, maturity, and source checks

Customer: PAYLATER Malaysia, KALE (TECHNOLOGY) SDN BHD
Provider: Alibaba
Maturity: Scaled Production
Linked source: Alibaba Cloud Customers

The company migrated and built its BNPL exchange and network infrastructure on Alibaba Cloud to handle high transaction volume while maintaining high availability, security, and fast customer account verification for onboarding at scale

Customer identity supportedSource describes one deploymentMaturity supported

Primary read

Use case focus

Showing 2 of 2

1Identity verification
2Digital banking platform

Handle high transaction volume while maintaining high availability, security, and fast customer account verification/eKYC for onboarding at scale.

Migrated and built the BNPL exchange and network infrastructure on Alibaba Cloud for elastic scaling and traffic spikes.
Used ECS, OSS, ApsaraDB RDS for MySQL, SLB, CEN, CDN, and WAF for the core platform and network stack.
Implemented ZOLOZ Real ID to automate anti-spoofing customer account verification and remote eKYC.

Technologies

Elastic Compute Service (ECS)Object Storage Service (OSS)ApsaraDB RDS for MySQL Server Load Balancer (SLB)Cloud Enterprise Network (CEN)Content Delivery Network (CDN)Web Application Firewall (WAF)ZOLOZ Real ID

Reduced manual data checks by up to 80%.
Completed a single application and approval within 5 minutes.
Achieved 99.95% uptime with SLA support and elastic scaling.

Architecture

Alibaba Cloud infrastructure uses ECS, OSS, ApsaraDB RDS for MySQL, SLB, CEN, CDN, and WAF, plus ZOLOZ Real ID for remote eKYC and anti-spoofing verification.

Sources & evidence1

Evidence: Medium65/100Evidence strength