By N. Kuvineshwaren & Nurulhaliza Zailani KUALA LUMPUR, Dec 30 (Bernama) -- Buy Now, Pay Later (BNPL) schemes can affect credit risk scores and loan qualifications, Federation of Malaysian Consumers Associations (FOMCA) chief executive officer (CEO) Dr T Saravanan said. The impact on consumer  financial records would depend on the way the data is reported, he added.