The challenge
Malaysian comparison sites show advertised numbers with no date and no source. Mobile plan prices change monthly, insurers revise benefits, and banks move promo rates and fine print constantly, so undated comparison data is quietly wrong within weeks. Many of the incumbents are also quote engines that pass your details to brokers.
One pipeline, three sites
Every site runs on the same pattern: research waves produce verified rows, each carrying a verified_at date and a source URL, stored in Cloudflare D1 and merged into a static Astro build on Cloudflare Workers. The same terminal-style interface marks every row [V] verified, [S] sourced and [D] dated.
telco.subimpact.net: mobile plans
The first site. 97 verified plans across 11 operators, with a market panel for the cheapest prepaid, postpaid and unlimited plans, always dated. Plans are re-verified every month, because staleness is the failure mode.
Live at telco.subimpact.net, last verified 2026-08-10.
insurance.subimpact.net: medical cards and life insurance
Medical card products first, life insurance second. 24 insurers, 229 products and 337 benefit tiers, each tier linked to the insurer’s official Product Disclosure Sheet.
- No invented premiums. Premiums in Malaysia depend on age, health and claims history, so the site compares documented benefits and sends people to the insurer for an official quote.
- Gaps are shown, not guessed. Insurers whose data is gated are listed as coverage gaps.
- Independence pages. Methodology, a conflicts register, a corrections log and coverage gaps are first-class pages.
- Change tracking. Versioned tiers make a quarterly Malaysia Medical Card Change Index possible: benefit reductions, new co-pays and withdrawals.
Live at insurance.subimpact.net, last verified 2026-08-26.
bank.subimpact.net: savings accounts and credit cards
The third site, with harder maths: effective interest rates, tiered balances and card reward values. 27 banks, 31 savings accounts and 34 credit cards, sourced from the banks’ own websites, with transparent calculators instead of headline rates.
Live at bank.subimpact.net, last verified 2026-09-14.
What it shows
The same pipeline now runs three sites with one maintenance routine. It is the pattern behind our price trackers and comparison tools for clients: verified, dated data that updates on a schedule.