Malaysia’s retail sector is heading into a major digital transition. Beginning 1 July 2026, LHDN will require smaller businesses with annual revenue RM1 million and above — from cafés and convenience stores to self-service operators — to issue e-invoice upon request by the customer.
For small and micro-outlets, this can be daunting. Many operate on thin margins, process large volumes, and rarely capture customer information. Their biggest concern is simple: how to comply with a nationwide requirement without slowing down the counter.
This gap drove FINEXUS Group to create AREMA Retail, a solution engineered specifically for Malaysia’s high-traffic, fast-turnover B2C environment.
Designed for Speed, Built for Scale
Retail operations need a compliance engine that works instantly. AREMA Retail answers this with architecture derived from the same high-resilience frameworks used in financial systems, streamlined for retail workflows to ensure uninterrupted automation.
Powered by bank-grade infrastructure, AREMA Retail requires no coding, integration, or system overhaul. Users just need to accept payments using our Kayaaku POS solutions – integrated with LHDN MyInvois – for e-invoice issuing to customers.
Tech Capabilities Built for Real-World Retail
1. Engineered for Walk-In Purchases
AREMA Retail supports businesses that usually don’t gather customer details, such as laundromats, fast-service stores, car repair shops, and self-service kiosks or outlets.
It can handle monthly consolidation, and customers can request their e-invoice on FINEXUS’ FIDU app anytime, eliminating long queues at the counter.
2. Cloud-Ready, Secure Infrastructure
Hosted in PCI DSS Level 1 fully-owned data centres, the platform offers 99.95% uptime and full encryption across all stored and transmitted data.
3. Local Setup and Support
FINEXUS supports retailers from micro to large to smoothly digitalise their e-invoicing through onboarding, configuration, training, and operational support.
Turning Compliance into Insight
AREMA Retail turns every transaction into a strategic data asset. Each transaction feeds into the Kayaaku POS and Kayaaku Biz’s merchant portal dashboards, displaying real-time sales revenue performance and trends previously hidden in manual workflows.
Benefits include:
Effortless business digitalisation and overview of business performance
Near real-time processing of e-invoicing without burdening the business
Customers can request e-invoices using FINEXUS’ FIDU App for employee claims or personal records anytime
Enabling Malaysia’s Digital Retail Ecosystem
In 2024, MSMEs made up 96.1% of all Malaysian businesses, with the distributive trade sub-sector spanning wholesale and retail trade, and food and beverage services, forming the largest segment.
With such a significant footprint, small retailers play a vital role in driving a transparent and efficient economy — a possible key reason Prime Minister YAB Dato’ Seri Anwar Bin Ibrahim announced that full e-invoicing implementation will begin in 2026.
Encouragingly, adoption has already gained strong momentum. Around 44,000 small and micro businesses have voluntarily embraced e-invoicing as part of their digitalisation journey, with many more expected to join the next wave in 2026.
A Smarter Future for Retail
AREMA Retail connects compliance with commerce, helping retailers treat e-invoicing as a growth opportunity than an administrative burden. From vending kiosks to mini marts, it provides a dependable, scalable pathway into Malaysia’s digital future.
As 2026 approaches, early adopters will gain not only compliance readiness but also a stronger data foundation for modern, insight-driven retail.
AREMA Retail is accelerating Malaysia’s retail sector into the e-invoicing era, one transaction at a time.
For more info and a demo on how this works, visit https://home.finexusarema.com/web/main or email [email protected].
This content is provided by FINEXUS Sdn Bhd.
The views expressed here are those of the author/contributor and do not necessarily represent the views of Malaysiakini.
