1. Limited understanding among cashier staff on how to issue e-Invoices correctly according to LHDN requirements
2. Delays at cashier counters while obtaining buyer data for validated e-Invoices
3. Additional processing overheads to guide buyers in obtaining validated e-Invoices
4. Customer concerns about providing personal data in a public setting at the seller's store.
5. Lack of POS systems, particularly in Micro-Enterprise Sellers, capable of furnishing SKU data for instant individual e-Invoice issuance
6. Insufficient expertise and resources at seller and POS systems to ensure the availability and security of confidential invoice and PPID data

AREMA

For Sellers with POS Systems:
•    POS system vendors can integrate FINEXUS for both electronic payment and e-Invoice API services, enabling essential e-Invoice functions in near real-time. The invoice data and payment methods are seamlessly transmitted from the POS system to FINEXUS via various connectivity options such as Bluetooth, TCP/IP, legacy Serial RS232, MDB/RS485, and etc.
•    Credit Notes and Refund Notes are automatically generated based on adjustments made to the original invoice. Unclaimed e-Invoices are automatically consolidated by the cutoff time and submitted to the LHDN system without requiring manual intervention.
•    FINEXUS assists sellers and POS systems in safeguarding sensitive PPID data within a dual-zone bank-grade IT infrastructure.

For Sellers without POS Systems (Typically Micro Enterprises):
•    Sellers can utilize the FINEXUS Mini POS menu on the FINEXUS Payment Terminal (EDC) to capture SKU data and generate individual e-Invoices.
•    To expedite SKU capturing, Micro Enterprises can use the voice-to-e-Invoice feature on the payment terminal, allowing them to issue e-Invoices efficiently by simply stating the SKU item and quantity.
•    Credit Notes, Refund Notes, and Consolidated e-Invoices are automatically issued by the FINEXUS system without requiring any intervention from the seller.

Implementation for Seller with POS System: 
• POS system vendors should sign up as FINEXUS Merchant Recruitment Agents to provide merchants (sellers) with FINEXUS e-Invoice and payment processing services by integrating their POS systems with FINEXUS payment devices and APIs.
• There is no impact on the merchant's operations, as bills and invoices will be printed as usual. Customers can obtain validated e-Invoices without causing delays at the cashier by simply scanning the QR code on the bill to obtain the validated e-Invoice. Payment collection is expedited and accurate, with payment amounts sent directly to the payment terminals and invoice data submitted in the background in a near real-time manner, eliminating additional handling for the merchant.

Implementation for Sellers Without POS System: 
• Sellers simply sign up as FINEXUS electronic payment merchants and utilize the app on the payment terminal or their own mobile device to issue an e-invoice.
• The customer simply scans the QR code on the printed sales slips to obtain the validated e-Invoice.

• The FINEXUS AREMA B2C solution ensures compliance with LHDN requirements by enabling immediate issuance of validated e-Invoices after payment, providing a seamless experience. 

• Key productivity gains for sellers include:
(i) 2.5 minutes saved: No need to manually capture customer data for each e-Invoice, reducing cashier queue times.
(ii) 6 seconds saved: Eliminates manual entry and verification of payment amounts at the terminal.
(iii) 3 seconds saved: Automates the update of payment status in the POS system.