A WOW for BlueDuck Smart Commercial's Launch - Protect Rental Loss for Commercial Properties

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It was a Happy Monday! Can't believe that we've pushed it through. In a short 12 months, we've extended our Zero Deposit solutions from houses to rooms, and now we're extending our coverage to commercial properties. 

Zero Deposit: A landlord insurance designed to protect tenant-related risks like rental loss, malicious damages or outstanding utility bills. It is used to replace traditional rental deposits in order to promote cash flow and reduce vacant units in the market.

Have anybody done it before, nope. Are we excited? Absolutely! 

This initiatives paves the way for us to extend our product range from residential properties to commercial properties. On average, number of SMEs increased 4.9% in Malaysia. With the launched of BlueDuck Smart Commercial, it support & empowers the brick and mortar businesses. 

"While the country is still actively recovering from the pandemic, the adoption of BlueDuck Smart Commercial cannot come at a more timely manner to support local business owners with its cutting-edge digital technology and reduce vacant commercial units in the real estate industry. This product launch was well-timed as it helps retailers and SMEs to improve the cash flow and expand the businesses at the same time," said Caleb Khoo, Director of BlueDuck.

From left: Earnest Wong (Founder & CEO of BlueDuck Malaysia), Caleb Khoo (Director of BlueDuck Malaysia), Sean Wong (CEO of Allianz General Bhd), and Horst (CSO of Allianz General Bhd)

With this, we will be introducing this solution to associations like Malaysia Retail Chain Associations (MRCA) and Small and Medium Enterprises Assocation of Malayisa (Samenta) to address the challenges faced by the SMEs due to the unprecedented pandemic and lockdown for the past two years. With this solution introduce to the market, we're seeing that the rental deposits can be better utilized for businesses to hire staffs, pay for raw materials, etc. 

"BlueDuck's vision is to embrace the advancement of technology and develop a holistic yet innovative fintech solution for the local real estate market, where it is accessible and affordable for both landlords and tenants. With BlueDuck's solution, everyone can afford to rent affordably locally without forking out a hefty sum of a deposit. Therefore, BlueDuck proudly brands their services towards the needs of the customers and strive to make the transaction easier, faster, and more secure for them too." said Earnest Wong, CEO of BlueDuck.

In order for business owners to enjoy this solution, a basic verification process will be done and this is where BlueDuck Tenant Profile is introduced. BlueDuck Tenant Profile is here to highlight tenant's credentials to appeal to potential landlords. 

For more information, whatsapp to for more! If you haven't, follow and subscribe to our Facebook & YouTube channel for instant updates!

Read more of our news on BDxAllianz MoU



Yours truly,

Cassandra Wong.

Chief Revenue, BlueDuck Malaysia.

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BD News - New Adjustments for Unit and Room Zero Deposit

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Written by: Putri Nurazmina
BlueDuck Community Executive

Hello, everyone!

Pejam celik, pejam celik and it is already the end of 2021. How time flies!

We would like to thank you for your support in the past year and we look forward to your continuous support!

Our Zero Deposit was first launched in August 2020 and since then we have achieved several milestones including having more than 10 million rentals under our management and having more or less 2,300 tenancies in five states of Malaysia (KL, Selangor, Johor, Sabah, and Sarawak). We are very happy to know that our solution is addressing the three main problems in the rental market. One, landlord’s worry about the tenant’s credibility. Two, high rental deposit price which causes tenant’s decision-making speed, and three, the high competitive level among agents in closing cases.

Residential Zero Deposit Update

Previously, our Unit Zero Deposit can cover up to 2 months of the latest unpaid utility bills in case of a runaway tenant. Now, instead of two months of utility coverage, we are now protecting the outstanding utility bills based on amount. 
The maximum amount differs for each package and you may refer to the picture above to identify each package’s maximum claim amount.

Room Zero Deposit Update

Room Zero Deposit was an initiative by BlueDuck and received great feedback from the rental market as it is very affordable and caters to people who prefer to rent a room instead of a unit. The average rent for a rental room is RM500 to RM800. Pairing it with the Room Zero Deposit is very affordable for a working adult as they do not have to fork out a hefty rental deposit but keep the landlord covered at the same time.

Changes come and go but our mission and vision are still the same, that is to offer FinTech solutions to the real estate market as an alternative to solve the market’s problems such as the hefty rental deposit and boosting tenant’s credibility through a purchase of Tenant Profile (like a tenant CV). From zero to thousands to millions of rentals under BlueDuck. We will keep pushing forward and adapt along the way. Looking forward to the future and thank you for your support!

Don’t forget to follow our social media pages for the latest updates!

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Written by: Putri Nurazmina
BlueDuck Community Executive

FPX Direct Debit: A modern way of rental payment

Payment methods have come a long way. From bartering to coins to banknotes to cheques to cards and now, digital payments with the arrival of the Internet and the World Wide Web system. This has shown how much the human population has advanced in terms of technologies. Nowadays, almost everything can be done with convenience and most importantly, online.

Traditional rental payment method

These changes can also be seen in the way of rental collection. Traditionally, landlords would collect their rentals manually from their tenants, mostly via cash. However, collecting cash as a rental payment has a lot of disadvantages. Firstly, cash is hard to trace, and this loophole is often the catalyst to a loss in dispute regarding the rental property’s rent payment. Plus, it is very time-consuming for landlords or tenants who are far away from each other to meet up and settle the rental payment.

Another popular traditional rental collection or payment method is via cheque. Using a cheque is more secure than cash because it is a method where you ask the bank to pay money from the check holder’s account to another party. Thus, there are records for landlord and tenant to refer to. However, this does not guarantee that the tenant has enough money in their bank account and the risk of a bounced cheque becomes high and that is also bad news for tenants as they will be charged a fee from the bank due to that.

Modern rental payment method

Moving forward and we’re now in the 21st century and are at the end of 2021. Time and technological advancement have revolutionized the system for payment methods by introducing Credit Card and Direct Debit payment methods and it is a trend that people are picking up fast. Here at BlueDuck, we are also riding the wave and is using Direct Debit or Credit Card in our system to help landlord and tenants to settle their rent! 

Direct Debit is the most preferred payment method in modern times as it is an automated payment collection that collects regular and recurring payments directly from a person’s bank account with a single authorization. Meanwhile, a Credit card enables its user to pay for goods or services in advance and are billed later (usually a month after).

Advantages of using Direct Debit/Credit Card to pay or collect rent

By using our Zero Deposit solution or FPX Rental Collection service (subscribed ala carte by the landlord), tenants are required to sign up to Direct Debit to ease their payment process and for landlords, their rental collection. Here are some advantages both tenant and landlord will get by using our direct debit system:

  1. Set and forget

Once the tenant has signed up for direct debit, they can just forget about their rental payment every month. Why? Because Direct Debit only needs a one-time authorization for it to automatically collect payment from the tenant’s bank account automatically after that. So, chillax because you don’t have to do anything more after signing up to Direct Debit. For BlueDuck tenants, you can authorize your Direct Debit rental collection through this link:

    2.  No more late payments

Auto-collection = no more late payment. As long as the tenant has enough money in their bank account, they know that their rent is paid automatically, on time. One less worry for both tenant and landlord on late rental payment. Never miss a rental payment ever again and tenants can avoid a late payment penalty. Here at BlueDuck, it has been proven that Direct Debit lowers the default rate and increased rental collection time compared to those who did not use Direct Debit.

    3. Convenient

Direct Debit is super duper convenient. Remember those times where you had to drive to the bank and line up at the ATM machine or at the counter to make a rental payment or post a cheque? Say goodbye to those times as, again, signing up to Direct Debit is a one-time thing PLUS it’s online!

Another inconvenience gone is when neither tenant nor landlord must meet up with each other to settle the rental payment. This is very convenient and time-saving for landlords too, especially if they live far away from their rental property.

    4. Security

Fret not and join the trend as Direct Debit is one of the most secured payment platforms currently. Therefore, you don’t have to worry about thinking if what you’re signing up for is a fraud. Don’t worry, because for a business to set up a direct debit, they must through screening and strict regulations from Bank Negara.

Towards contactless and cardless future

Time is going by fast, and human technological advancement is unstoppable. Direct Debit may not be a thing in the early 2000s, but it is now, especially after COVID-19 happened. The trend of paying things through Direct Debit/Credit Card is on the rise as people believe that contactless payment lessens the risk of getting the virus. Plus, the increase of smartphone ownership and mobile financial tools are making things accessible just by the tip of people’s fingers. 

Tenants, buy our Zero Deposit package now to save up to 75% of your money from paying the traditional security rental deposit and sign up to our FPX rental collection system via a tenant login portal. You can buy it now at this link

Landlords, our FPX rental collection system is also available ala carte. Just contact our BlueDuck team at 016 – 611 7154 ( and we will help you set it up!

Don’t forget to follow our social media pages for the latest updates!

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This is gonna be a longggg article. So bear with me.






Just kidding.

The Launch of BlueDuck Zero Deposit

As the year marching to an end, we are very grateful of how far we've come. When BlueDuck Zero Deposit was in creation stage, we realized that there were huge market gaps. Throughout the discussion with the insurance company, it is all about maximizing the benefits for the policy holder, and yet mitigating risk, ensuring the sustainability of the product. After a long one year, finally, our BlueDuck Zero Deposit is officially launched in Q4, 2020 (kudos to our Founder, Mr. Earnest Wong).

BlueDuck Zero Deposit, a landlord insurance co-created with Liberty Insurance Malaysia Berhad, designed to replace traditional deposit, yet protecting landlord's interest unlock the cashflow in the market, providing a winning scenario for all parties.

In the past year, with the pandemic and lockdown happening. The industry has striven its best in adapting and adjusting to the new norm. There were a lot of virtual meetings and events happening and in BlueDuck, we’re proud to be part of the journey. We know that this is the time, the time to educate the market.

Educating the Market

What’s memorable was the first sharing on Instagram. We’ve been engaging our audiences through Facebook Live. In a different space, different audience, I must say we’re thrilled! From the session with @Propview, we spoke about this new norm in the Rental Market to the landlords and tenants. The session was hosted by the ever engaging and entertaining Adam. Such a great experience.


First Instagram Live: BlueDuckxPropview: The New Norm in Rental Market


Through the effort of connecting with our audiences, it is also our pleasure to be part of the RE:Connect, organized by Unissu to speak to the International audience. Malaysia, being the first in Southeast Asia to have launched Security Deposit Replacement Scheme, not only that our in-house developed tenancy system is worth discussing as it has been one-of-a-kind tenancy system with Fintech solutions embedded with white-label solution.

First International Reach

First International Reach: RE.connect: The Old School Tenancy Management Post Pandemic Transformation

At the beginning of the year, it is all about the transition or transforming from offline to online tenancy management especially during this unprecedented pandemic. And it was indeed thrill to see many short-term accommodation players are transitioning their business model to hybrid model (offering both short and long term accommodation) and begin to incorporate systematic approach to the business through subscription of tenancy management system.

By the end of the year, we’ve also participated in Asia Pacific Proptech Summit 2021, organized by Malaysia Proptech Association 2021 as panel speaker to speak about the digitization on tenancy management processes.

An interesting question was asked during the session about the market disruption with technology. With Facebook introducing metaverse, it is exciting for all to look forward to where it is leading us. But again, will technology disrupt the market? Or, are we incorporating technology into the business and disrupt the current process flow and leads to a transparent, and streamlined experience? It was a great session with fellow real estate players and good to meet a Hong Kong proptech enthusiast Mr. Vishal.

First in PropertyGuru: Asia Largest Online Property Portal Group

Last but not least, huge pleasure being able to share about Zero Deposit insurance in the POV of a landlord. In the session, we have discussed about the initial idea of collecting a deposit. Not only a market practice in Malaysia, but everywhere in the world.

In Europe, it is a norm for tenants to move in by getting an insurance for the landlords in order to lower the initial move-in cost, and protecting landlords’ interest.

However, is it sustainable? A copy of the session was uploaded into YouTube and you should definitely check it out:


All in all, Zero Deposit solution, a modern rental solution that we’ve been advocating. An enabler translating to faster rent out, reduce vacant units to promote cashflow for all parties in real estate. We’ve faced many questions; doubt of the product sustainability and credibility and it is all due to the lack of education and speed of information delivery.

With that, we’re working closely with real estate agents, the frontliner in the market to deliver this piece of exciting market info to their landlord. And we are already seeing landlords offering this solution! Amazing.

With all said, I believe that everyone of us, the market players, are ready to continue to educate, and progress. Oh hey, we’re launching our Commercial Zero Deposit in January 2021! Stay tuned.

“Innovation is taking two things that exist and putting them together in a new way.“ - Tom Freston (born 1945), Co-founder of MTV

It has been great year in 2021, and we're looking forward to a even better year in 2022! I am super honored to be able to speak in several platforms for BlueDuck and I just can't wait to share more of our updates. Do like, share and follow for more exciting news from BlueDuck here:


Cassandra Wong,

Chief Revenue, BlueDuck Malaysia.



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Written by: Putri Nurazmina
BlueDuck Community Executive

In your journey to apply to rent a rental property, you must have heard the word “paymaster” or “credit profile” but had no idea what it means. Well, to explain simply and briefly, “paymaster” is a word that usually refers to a person who pays for something to happen or whose job is to pay their company’s employees’ salaries. However, in this case, the term “paymaster” is referring to yourself; a person who pays their own dues and debts. On the other hand, a “credit profile” is a record of your credit activities. All those things that you pay (does not matter if it is successful or not) with your debit card or credit card are all recorded. How you spend your money and how much you have, creates your credit profile. All those activities, especially ones where you pay your dues and debts are what shape and determine whether you are a good paymaster or not. 

So, in the process of choosing a tenant, agents or landlords usually carry out their own screening process and the most common one is to find out the tenant’s credit profile. By having the tenant’s credit profile, the landlord will gain the confidence that the tenant will be able to pay rent on time. Thus, you can be ahead of the crowd by buying your own credit profile from BlueDuck, also known as the Tenant Profile, for only RM1 (limited time) at

So, why is it important for you, tenants, to get certified and qualified by BlueDuck and receive your own credit profile certificate?


Landlords may be brave for renting their property to a total stranger 24/7 for a long period of time, but that does not mean that they are not concerned with WHO they are renting their place to. All landlords are concerned about it because it determines whether their investment and their cash flow will be successful or not. Ideally, they will want a tenant who can pay their rent on time, take good care of their property until the end of their tenancy, and ones who avoid brewing up trouble that could lead to an income loss. 

In European countries such as the United Kingdom and the United States, landlords also use a tenant’s credit profile to check whether they have previous criminal records or eviction history. Even though it was reported in 2016 by Credit Bureau Malaysia (CBM) that over 95% of Malaysians are good paymasters, one can never be too careful.

Thus! Once you have passed our BlueDuck Tenant Profile screening, it guarantees that you will be accepted by any landlord into their rental property because you have proven yourself to be a good tenant before they could even ask.


One of the most essential elements in establishing a strong relationship with someone is by having trust between the two parties. From the point of view of the landlord, there will always be an underlying fear where tenants will not pay their rent on time or even maliciously damage the property’s items. Thus, the Tenant Profile can be a solution to reduce or even eliminate the landlord’s fear. By proving yourself to be a good paymaster through the Tenant Profile, a small yet strong trust between the landlord and you, the tenant, will be established. 

        3. PEACE OF MIND

Another benefit you can get by being a good paymaster with a good track record is having peace of mind. For both you and the landlord. Imagine being stress-free from overdue rent. Getting verified and qualified by BlueDuck and passing your Tenant Profile certificate from your first meeting with the landlord can elevate that great feeling, from both you and the landlord, faster without waiting for it to come gradually after being gauged by the landlord in the early months. 

Thus we have come to the end of our discussion. Getting a Tenant Profile can have its own unique benefits and there’s nothing to lose in trying as we are currently giving out a promo code that enables you to buy it for only Rm1!! You can buy your own Tenant Profile at When selecting a package, choose “Tenant Profiling Only” and put in the promo code “ZeroDepositBD”. 

Once you have bought it, your information will be run through our system. In the Tenant Profile, your basic details, verification status, credit profile, and residential history will be included. In one day time, you will get something like the sample below! 

Don’t forget to follow our social media pages for the latest updates!

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Written by: Putri Nurazmina
BlueDuck Community Executive


The world is changing fast whether we like it or not. This includes the technological advancement in the 21st century where the Industrial Revolution 4.0 is currently happening. One of the most obvious things that we can see is the trend of offering an alternative solution using the latest technologies to traditional systems that have been long used in industry and one of them is the BlueDuck Zero Deposit Insurance solution.

BlueDuck Zero Deposit is an insurance solution that has been co-created by BlueDuck and Liberty Insurance Malaysia Berhad. It aims to replace the costly traditional security rental deposit that tenants must pay before moving into their new rental unit or room and unlock landlords’ cash flow. However, new things are not always welcomed, right? Especially when it has been used in the real estate market for a very long time. So why should landlords use our Zero Deposit? Let us tell you some of the benefits!


During this difficult time of COVID-19 and an unstable economy, people are looking for any alternatives that can save them extra money. Despite the abundant supply of houses in Malaysia, most Malaysians opt for renting as many could not afford to buy a house as prices are reaching an all-time high. However, another dilemma faced by tenants is when they need to pay a high upfront cost before moving in. Thus, this further delays their final decision on whether they would like to move in or not. By using BlueDuck Zero Deposit, tenants can save up to 75% of their money instead of having to pay up to 2.5 months of security rental deposit. This eliminates the high upfront cost AND attracts tenants to rent your rental property faster! 


Rental properties have been a way for people to generate income for decades as it generates good cash flow and it gives extra income in the landlord's pocket each month. However, this is a story for when a landlord’s rental property is rented by a tenant. If a landlord’s rental property is not rented, it means that their cash flow is stuck and they will be facing loss instead. So, the second benefit in using our BlueDuck Zero Deposit is directly linked to the first benefit. By getting tenants faster, landlords can unlock their cash flow faster. Less loss on the landlord's side by not having to continuously pay the bank the full amount of the rental property.


Let’s say that your rental property’s rent is RM2000 per month and the tenant must pay 2+1 months before they move in. This means that your security rental deposit is limited to a total of RM5000 traditionally. BUT, with BlueDuck Zero Deposit, the landlord will be getting at least 2x more coverage than that! Taking one of our packages that can cover up to RM10,000 sum assured, in case of a runaway tenant, the landlord can claim up to 2 months of unpaid rent, up to 2 months of the latest unpaid utility bills, and malicious damage. For utility bills, traditionally its claim is limited to only 1 month, but with Zero Deposit insurance, unpaid utility bills can be claimed up to a maximum of the latest 2 months (T&C Apply). In addition to that, landlords can even claim fire insurance for building and content. Do you feel more secure now?


All in all, with the ever-changing world, there’s nothing to lose by trying out and using new things that can truly benefit you. Competition is at an all-time high! So, you will need to step up your game or you will be swallowed by other people’s waves in the same field. Be the first landlord to offer an alternative to the traditional rental deposit to tenants and get a good cash flow! Sign up now as a landlord at

Don’t forget to follow our social media pages for the latest updates!

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