Refinance Vs Retention, which one has a lower interest rate?

Normally, after three years of installment, interest rates will rise. Therefore, we should go to the bank for refinance or retention to lower interest rates. Have you ever wondered what is the difference between refinance and retention and which one is better? ACU PAY will wrap it up for you guys.
What is Financial Freedom and why does everyone want to have it?

We might be familiar with the saying that financial freedom will make us live our lives freely without worrying about finances. Have you ever wondered how much money is required to have this freedom and what to do to get financial freedom? Let’s find the answer together with ACU PAY.
Tips for short/medium/long-term savings goals

People’s lives are like a journey, and they have to set their destination goals which is the same as setting goals for saving money. ACU PAY will share savings tips in three phases, whether short, medium, or long-term, you can plan as follows;