Building a Better Regulatory Experience - Portfolio

Suruhanjaya Kredit Pengguna (SKP)

Building a Better Regulatory Experience

Bringing clarity, accessibility and connection to regulation.

Background

overview

Suruhanjaya Kredit Pengguna (SKP) engaged XIMNET to develop a modern digital platform that supports its role as Malaysia's consumer credit regulator. As a newly established statutory body under the Consumer Credit Act 2025, SKP required a website that could effectively communicate regulatory information, licensing requirements and consumer resources to a wide range of stakeholders.

Beyond serving as an information portal, the new platform delivers a modern and intuitive user experience through improved navigation, accessibility and content structure — strengthening SKP's digital presence and supporting its commitment to a fair, responsible and well-regulated consumer credit ecosystem.

the client

Suruhanjaya Kredit Pengguna (SKP) is the statutory body responsible for regulating Malaysia's consumer credit industry under the Consumer Credit Act 2025. Established to protect credit consumers through a strong legal and regulatory framework, SKP promotes fair, responsible and professional practices while strengthening governance across the consumer credit ecosystem.

As the nation's consumer credit regulator, SKP plays a key role in enhancing consumer protection and fostering a transparent, well-regulated industry. Its digital platforms serve as a central source of regulatory information, licensing guidance, consumer resources and industry updates for consumers, regulated entities and other stakeholders.

challenges

One of the key challenges was establishing SKP’s digital presence as a newly formed regulatory body. The website needed to effectively introduce SKP’s role, responsibilities and mandate while building trust and awareness among consumers, regulated entities and industry stakeholders.

With diverse audiences seeking regulatory information, guidance and resources, the platform needed to balance clarity and accessibility with the complexity of consumer credit regulations. This required a thoughtful approach to user experience, information architecture and content presentation to ensure users could easily understand SKP’s functions and access relevant information.

Beyond functionality, the website also needed to establish a strong digital brand identity that aligned with SKP’s position as a modern, transparent and forward-looking regulator. The design, messaging and overall user journey were developed to reflect current digital trends while delivering a seamless and engaging experience across different user groups.

our approach

Our approach was to create a digital platform that effectively communicates SKP’s role while delivering a seamless and engaging user experience. We focused on simplifying access to regulatory information through clear content structures, intuitive navigation and user-focused design decisions.

Beyond usability, we developed a visual direction that reflects SKP’s connection with Malaysia by incorporating elements inspired by local flora and fauna. This nature-driven identity creates a more approachable digital experience while preserving the trust and professionalism associated with a regulatory institution.

By combining strategic UX planning with a distinctive visual language, we created a platform that supports SKP’s communication objectives and strengthens engagement with its audiences.

Bringing clarity and simplicity to digital regulation.

The Work

Research & planning

Our research and discovery process focused on understanding how SKP could establish a strong digital presence as a newly formed regulatory body. Through collaborative workshops, we explored branding, communication and audience expectations to define how SKP’s role and responsibilities could be effectively represented online.

These discussions shaped the foundation for the website’s messaging, visual direction and content strategy, ensuring complex regulatory information could be communicated clearly across key user groups, including consumers, regulated entities and industry stakeholders.

Alongside the strategic discovery, we worked closely with SKP’s technical teams to understand the systems and functionality required to bring the platform to life. Discussions covered API integration, database connectivity, entity search logic, user flows and form requirements, mapping out how these components would work together within the wider website.

This technical planning helped define how data would flow between systems, how users would interact with the entity search and filters, and how forms would capture and process information efficiently.

Figure 1: Figure 1: SKP Website Strategy Workshop

Creating a more connected digital presence.

Design Concept

We developed a visual direction for SKP that reflects its role as a trusted regulatory authority while creating a more approachable digital experience. The design combines elements of SKP’s brand identity with Malaysia-inspired visuals to create a platform that feels credible, engaging and connected to its audiences.

Nature-inspired visual concept
Drawing inspiration from Malaysia’s flora and fauna, the design introduces a sense of familiarity and local connection, creating a warmer experience beyond the traditional regulatory aesthetic.

Figure 2: Malaysia-inspired flora and fauna visual elements incorporated into the website design

Circular design elements
Inspired by SKP’s logo, circular forms are incorporated throughout the interface to represent connection, inclusiveness and the relationship between SKP and its stakeholders.
Brand-driven colour palette
The colour system builds on SKP’s dark blue and turquoise brand identity, reinforcing trust, transparency and professionalism while introducing a sense of freshness and modernity. Orange accents add warmth and energy, creating a more balanced and welcoming visual experience.
Clear and structured interface
A clean layout and thoughtful content hierarchy ensure regulatory information remains easy to navigate, allowing users to access key resources efficiently.

Figure 3: Circular elements inspired by SKP’s logo integrated into the hero banner

public register search

We developed an entity search function that enables users to search for, identify and explore entities within SKP’s database. Integrated with SKP’s existing database via API, the function retrieves and displays relevant entity information dynamically, ensuring that users can access data directly from the source.

To make the search process more efficient, a range of filters allows users to refine their searches based on specific criteria and narrow down results to find the entities they are looking for.

The search function is designed to accommodate different search needs, providing a structured way to browse and retrieve entity information without requiring users to navigate through multiple pages or manually sift through large amounts of data.

Seamless Experience

Clearer structure and streamlined navigation for a more seamless user experience.

Distinctive Identity

A modern, approachable visual direction rooted in Malaysian-inspired elements.

Smarter Discovery

API-powered entity search with filters that makes finding relevant information faster and easier.

The Results

The revamped SKP website introduces a refreshed visual direction that balances its role as a trusted regulatory authority with a more approachable digital presence. Building on SKP’s brand identity and incorporating Malaysia-inspired visual elements, the design creates a distinctive, credible and contemporary experience.

Enhanced functionality, including an API-powered entity search with filters, makes regulatory information easier to discover and navigate. Together, the refreshed branding, visual direction and functionality create a cohesive digital experience that strengthens SKP’s presence online.

project achivements

6.8k

new users since its launch in 3 months

54%

engagement rate

engagement time on average

30k

total page views

The result is a modern and accessible platform that brings SKP’s identity to life while making information more intuitive, engaging and effortless to explore.

see the work

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