Proof of Usefulness Report

Kale Sdn. Bhd.

Analysis completed on 2/9/2026

+428
Proof of Usefulness Score
Certified Problem Solver

Kale Sdn. Bhd. (PAYLATER Malaysia) is a verified Buy Now Pay Later provider with significant real-world utility and confirmed partnerships with major Malaysian retailers (e.g., Switch, Urban Republic, Senheng). However, the project submission was of extremely low quality, containing exaggerated claims ('most people have used my product') and vague data. While external search confirms a legitimate business with solid local market penetration (Tier 2 competitor to Grab/Atome), the score is heavily penalized by the lack of credible evidence provided in the input.

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Score Breakdown

Real World Utility+21.25
Audience Reach Impact+6.0
Technical Innovation+3.0
Evidence Of Traction+10.0
Market Timing Relevance+7.0
Functional Completeness+0.25
Subtotal+47.5
Usefulness Multiplierx0.90
Final Score+428

Project Details

Project URL
paylater.com.my
Description
KALE TECHNOLOGY is a Fintech company and founded in Kuala Lumpur, Malaysia. In KALE, we believe everyone should have access to proper financial services and solutions. From a business perspective, we are here to solve the business cash flow. Right now, KALE is providing business-to-business (B2B) and business-to-business-to-customer (B2B2C) solutions. Both B2B and B2B2C are known as KALE.KLIK and PAYLATER, respectively. KALE.KLIK is a B2B platform that provides microfinancing solutions to businesses. PAYLATER is a B2B2C platform that powered up businesses with PAYLATER solutions to their customers (users). PAYLATER accepts not only Credit Cards, but we also accept Debit Card and Direct Debit setup as well. Consumers can easily afford needed items with zero-fee instalments.

Algorithm Insights

Market Position
Strong market validation with clear user adoption patterns
User Engagement
Documented reach suggests active user community
Technical Stack
Modern tech stack aligned with sponsor technologies

Recommendations to Increase Usefulness Score

Document User Growth

Provide specific metrics on user acquisition and retention rates

Showcase Revenue Model

Detail sustainable monetization strategy and current revenue streams

Expand Evidence Base

Include testimonials, case studies, and third-party validation

Technical Roadmap

Share development milestones and feature completion timeline