TAKTIK PEMASARAN AGRESIF DI PUSAT KESIHATAN DAN KECANTIKAN: APA YANG PENGGUNA PERLU TAHU
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Peningkatan penggunaan Buy Now Pay Later (BNPL) dan pelan ansuran telah mengubah cara pengguna mendapatkan perkhidmatan kecantikan dan penjagaan diri. Walaupun sistem ini kelihatan lebih fleksibel dan mampu milik, ia turut menimbulkan kebimbangan berkaitan taktik jualan agresif, psikologi pengguna, serta komitmen kewangan jangka panjang.
Dalam sesetengah pusat perniagaan kesihatan dan kecantikan, strategi jualan sering direka untuk mewujudkan perasaan terdesak melalui tawaran masa terhad, pakej eksklusif dan sesi konsultasi yang meyakinkan. Pengguna kadangkala berasa tertekan untuk membuat keputusan dalam masa yang singkat walaupun pada awalnya masih ragu-ragu. Tekanan ini biasanya berlaku secara halus melalui mesej seperti โtawaran sekali seumur hidupโ atau amaran bahawa mereka akan kehilangan manfaat jika tidak mengambil pakej tersebut. Ini boleh menjejaskan keupayaan pengguna untuk membuat keputusan yang benar-benar bermaklumat.
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AGGRESSIVE SALES IN WELLNESS AND BEAUTY CENTRE: WHAT CONSUMERS SHOULD KNOW
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The growing popularity of Buy Now Pay Later (BNPL) schemes and instalment-based payment options has changed how consumers access beauty and personal care services. While these payment models appear to offer flexibility and affordability, they also raise concerns involving aggressive sales tactics, consumer psychology, and long-term financial commitment.
In some beauty and wellness centre, sales strategies are designed to create urgency through time-limited offers, exclusive packages, and persuasive consultations. Consumers may feel pressured to make immediate decisions, even when they initially express hesitation. This pressure is often subtle rather than direct, relying on psychological cues such as claims that a deal is โonce in a lifetimeโ or that missing it means losing valuable benefits. As a result, consumers may not always make fully informed or rational decisions.
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Buy Now, Pay Later - Nationwide Tsunami
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Be it ShopeePay Later, Atome, or Grab PayLater; an observing eye could notice that Buy Now, Pay Later (โBNPLโ) schemes have steadily gained traction among the younger generation. BNPL schemes provide a form of escapism and a second bite at the cherry for many young people seeking to sustain a particular lifestyle despite financial constraints.
Recently, BNPL schemes have even garnered legislative attention through the passing of the Consumer Credit Bill 2025. During the tabling of the Bill, Deputy Finance Minister Lim Hui Ying revealed that BNPL transaction values had surged by more than 30%, increasing from RM7.1 billion in the second half of 2024 to RM9.3 billion in the first half of 2025.
Scams โ Focusing on Laws and Technology is not Enough
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Scam prevention has long been framed as a technological arms raceโbetter cybersecurity systems, tighter regulations, and stronger laws. While these are undeniably important, they are not sufficient. The uncomfortable truth is that scams persist not merely because of gaps in systems, but because they exploit something far more predictable and universal: human psychology. If we are serious about reducing scam victimisation, we must move beyond a purely institutional response and invest in scam literacy programmes that deeply integrate the psychology of scams to drive real behavioural change.
At its core, a scam is not just a technical deception; it is a psychological manipulation. Scammers do not randomly target vulnerabilities in software aloneโthey target vulnerabilities in people. Fear, urgency, trust, greed, loneliness, authority, and hope are the real entry points. Whether it is a phone call claiming to be from a bank, a message about a loved one in distress, or an investment promising unusually high returns, the tactics are carefully designed to override rational thinking and trigger emotional responses.
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Court holds bank liable for failing to monitor customerโs accounts
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KUALA LUMPUR: The sessions court here today held that a local bank was liable for negligence in monitoring a customerโs accounts, resulting in RM166,000 in losses from unauthorised transactions.
Judge Maimoonah Aid awarded RM166,000 to Chan Yan Li after allowing her civil claim against Maybank. She also ordered the bank to pay RM15,000 in costs.
Chan filed the suit in 2022 after RM166,000 was transferred out of her loan account through a series of transactions between June and July 2021.She has held two accounts with Maybank since 2000: a housing loan account and a savings account.
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Thought impact: Building consumer resilience together
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FOR decades, the Federation of Malaysian Consumers Association (Fomca) has been at the forefront of advocating for fairer markets and stronger consumer protections, consistently raising concerns over issues ranging from unsafe products to rising living costs and household financial pressures.
And along that journey, it has worked closely with the countyโs media, including The Star.
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Right to a refund after not-so-lucky draw
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PETALING JAYA: Consumers misled by โlucky drawsโ or โscratch and winโ promotions can file claims of up to RM50,000 at the Tribunal for Consumer Claims if pressured into purchasing overpriced products through deceptive offers or sales tactics, according to lawyer Ananthan Moorthi.
He said they may have legal grounds to demand refunds under the Consumer Protection Act.
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Addressing Medical Inflation in Malaysia
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The reported 40% to 70% increase in medical insurance premiums has caused an uproar amongst Malaysian consumers. Many had taken private insurance to bypass the public healthcare system with its long waiting periods and frequently overburdened systems. They had expected that their insurance premiums would allow them fair access to the private healthcare system.
This sharp increase in insurance premiums has for many already struggling with stagnant incomes and higher living costs led to consumers giving up on their policies. It has been reported that between January 2024 and June 2025 more than 340,000 consumers had chosen to forgo their health insurance due to substantial premium increases by insurance companies.
Comments on Draft Guidelines On Implementation of Patent Linkage For Pharmaceutical Products in Malaysia
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1. Introduction
We urge the National Pharmaceutical Regulatory Agency (NPRA) to withdraw the proposed Guidelines on Implementation of Patent Linkage for Pharmaceutical Products in Malaysia and to undertake meaningful consultations with civil society organizations and patient advocacy organisations on the best way to approach implementation of Article 18.53 of the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP).
The proposed Guidelines are CPTPP-plus going well beyond what is required under Article 18.53 of the CPTPP and will have serious adverse consequences for both the generic industry and access to affordable pharmaceutical products in Malaysia.
High medicine prices are a persistent challenge in Malaysia placing a significant burden on both patients and the public healthcare system. As a result, patients face high out-of-pocket costs, while the government must allocate substantial resources to procure medicines, constraining public health spending. Thus, it is absolutely critical that NPRA's implementation of Article 18.53 of the CPTPP does not erect barriers to the early entry of generic competition. Early generic competition is essential to reducing prices and improving access, and any regulatory approach that delays it will only exacerbate existing affordability challenges.
Looking at 10 years of wholesale and retail prices of medicines in Malaysia (2012-2022) the trend is incremental price increase (median increase: 40% and 33.6%), or stable increase (median increase: 15% and 16%), but none showed a decrease. In fact, the recent 5-year trend shows that 66% of wholesale and 68% of retail medicines have become more expensive. The increase for wholesale and retail prices is highly correlated.
The Ministry of Healthโs 2024 pooled procurement data shows that a switch from innovator (patented) to generic medicines produced significant savings for the Ministry: in all cases, the saving was averaged at RM6.8mil per medicine procurement. However, when the Ministry sticks to the same innovator medicine (and not a generic), there is a 1 in 4 chance that the Ministry must fork out more for the same procurement. In the other 75% of cases the savings the Ministry could gain per procurement of originator medicines is about 12% on average after price negotiations or bulk buying. This is small compared to the savings made by a switch to generics. Hence any delay in availability of a generic pharmaceutical product in the market has a huge cost to the government and the public. Timely registration of a generic product by NPRA is therefore crucial, together with a generic importer or local manufacturer that is ready to enter the market with the registration in hand.
CAP, FOMCA gesa ฯใฝถสำฦต tarik balik garis panduan patent linkage
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GEORGE TOWN โ Cadangan pelaksanaan hubungan paten bagi produk farmaseutikal oleh Kementerian Kesihatan (ฯใฝถสำฦต) dikhuatiri akan membawa kepada peningkatan harga ubat serta melambatkan akses pesakit kepada rawatan mampu milik.
Kebimbangan itu disuarakan gabungan lima pertubuhan iaitu Consumersโ Association of Penang (CAP), Federation of Malaysian Consumers Associations (FOMCA), National Cancer Society of Malaysia (NCSM), Malaysian AIDS Council (MAC) dan Third World Network (TWN).Menurut mereka, cadangan itu hadir ketika negara berdepan tekanan kos kesihatan susulan pengurangan bajet sektor berkenaan sebanyak RM3.06 bilion.
Link:https://malaysiagazette.com/2026/05/02/cap-fomca-gesa-kkm-tarik-balik-garis-panduan-patent-linkage/#google_vignette
Read more: CAP, FOMCA gesa ฯใฝถสำฦต tarik balik garis panduan patent linkage
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