Customers browse and shop for products via the Simpel mobile app, which functions similarly to major marketplaces like Shopee. The key differentiator is that all purchases are paid through instalments — exclusively available to government employees whose salaries are regulated by ANGKASA.

Sellers can host live video streams showcasing products. Customers can interact, add items to their carts in real time, and checkout directly during the live session.

At checkout, customers must provide their IC, payslip, and sign a declaration form. The system uses this data, combined with API integration to ANGKASA, to verify employment status, income details, and existing loan obligations.

Once an order is placed, the admin reviews the customer’s profile, checks credit scores, existing loans, and instalment eligibility. Upon approval, the system submits the customer’s loan details to ANGKASA via API. ANGKASA then automatically deducts instalment amounts from the customer’s salary each month before disbursement.

Each product or variation can have its own instalment duration, interest rates, extra fees (insurance, handling, road tax), discounts, and tax settings. The system automatically calculates the monthly payment breakdown for both admin and customers.

Simpel is integrated with Line Clear’s logistics system, automating shipping orders, airway bill (AWB) generation, tracking updates, and delivery status notifications. Customers are kept informed via push notifications and emails.

Customers can easily track their order and delivery status and view detailed instalment schedules, total repayment amounts, and payment history via their mobile app account.

The web-based admin dashboard is designed for full operational control: <br> • Product, stock, category, brand, offer, coupon, and banner management <br> • Live session management <br> • Customer and vendor management <br> • Employee accounts with permission and capability restrictions <br> • Helpdesk and ticketing system for customer support <br> • Integrated announcements, inbox, and messaging features <br> • Advanced reporting modules: product, order, instalment, and loan status reports synced with ANGKASA data

Vendors have their own secure panel to manage products, stock, orders, instalment settings, and shipping.

A customer-friendly website supports user registration, browsing, promotions, and general information — seamlessly integrated with the mobile app.

Admins can send targeted push notifications, reminders, and promotional messages to specific users or user groups.