Agensi Kaunseling dan Pengurusan Kredit (AKPK) is a Malaysian agency under Bank Negara Malaysia, established in 2006. AKPK offers financial counseling, financial education, and debt management programs to help individuals manage their financial situations effectively. Their services are free and target individuals facing financial difficulties. The unique selling proposition is providing comprehensive financial guidance and debt restructuring without offering credit facilities, aiming to promote financial literacy and stability. AKPK's target audience includes individuals struggling with personal debts such as credit card and personal loans[1][2].