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Anyone Can Make Money Moves with myIBPO+ AI Financial Portal
You know how much you earn. But do you know where it all goes? Or do you find yourself asking yourself every single month…
“Eh, where did all my money go?”
Between your home loan, credit cards, personal loans, PTPTN and all those monthly commitments, keeping track of your finances can quickly become a lot.
And knowing what to pay is only half the story!
Do you know how everything adds up?
Where do you stand? And what can you do next?
Because when you can see your finances as a whole, you can better understand what’s working, what needs your attention and where you have room to make your next move.
Introducing myIBPO+
Awak AI Financial Portal brings your loans, credit cards, commitments and more into one clear view, with smart tools and insights to help you understand your finances and make smarter money moves.
💰 Save money
Pay less interest and no more late fees. Based on your profile.
⏳ Save time
Manage your loans and credit cards in minutes, not hours.
💪 Reach goals faster
Reduce debt, build savings, plan for a home and more.
One Powerful 360° View of Your Finances
No kira-kira hassle. Less pening kepala.
1. Comprehensive AI Dashboard
Your finances at a glance, without you crunching the numbers.
Get a clearer picture of your financial standing with your loans, credit cards, monthly commitments all in one place. See how everything adds up without having to jump between different accounts, statements and apps.
2. Loan & Financing Tracker
Your loans and debts organised in one place.
Keep track of your loans, credit cards, PTPTN, financing and repayment details. With a clearer view of your outstanding balances and monthly commitments, you can stay organised and plan your finances with greater confidence.
3. AI Advisory
Analyse your finances and get personalised insights.
Based on your finances, including your salary, loans, debts and monthly commitments, myIBPO+ analyses your overall financial situation to recommend ways to optimise your finances in real-time. Discover opportunities to save money, manage your commitments more effectively, or explore options to access extra cash, so you can make informed decisions about your next financial move.
4. Financial Health Checks
Know where you stand and what it means instantly.
Get a clearer picture of your financial health and understand where you stand with banks. Check your Debt Service Ratio (DSR) and Financial Rating to see how your current commitments affect your ability to take on new financing.
5. Smart AI Calculators
Planning your next big move? Do the kira-kira before you commit.
Whether you’re refinancing, buying a house or getting a car, our Smart AI Calculators help you understand the numbers before making a decision.
Explore how much cash you could get and how much you could save through refinancing, estimate your homebuying costs from downpayment to legal fees, or calculate the real cost of owning a car, including monthly instalments, insurance, road tax and maintenance.
6. Ask ANIKA, Your Personal AI Financial Assistant
Got a financial question? Ask ANIKA.
“If I skip buying coffee for 3 months, how much could I save?”
“How can I improve my financial health?”
“My monthly commitments are too high. What should I do?”
Simply chat with ANIKA and get easy-to-understand answers, helpful explanations and personalised guidance for your finance-related questions. Available 24/7, ANIKA is always ready to help whenever you need a little financial guidance.
7. Smart Notifications & Missed Payments Tracker
Stay on top of your payments, without keeping everything in your head.
Get reminders about important financial moments and keep track of missed payments that need your attention. Whether it’s your bank loans, credit cards, insurance, utility bills, kids’ tuition fees and more. Because remembering every due date shouldn’t have to be another monthly headache.
Ready to Make Your Money Moves?
First-time users can try myIBPO+ FREE for 1 month!
Ready to take control of your finances? Choose the plan that fits your needs:
⭐ Premium Lite Plan | RM19.90/month
Get the essential tools to understand and manage your finances.
⭐Premium Plus Plan | RM49.90/month
Enjoy exclusive financing options, enhanced features and more ways to make smarter money moves.
Your finances. Your next move. Make it count.
Now, anyone, literally anyone, can make money moves! Learn more here: myibpoplus.ibpo.com.my