OVER the last three months, Resti Fauziah has been diligently checking her company's account balance, sometimes seven times a day.

Working in customer service for a vitamin product sold online, she wants to know the moment a customer has transferred payment for a purchase.

She does not hesitate to scold those who delay. Indeed, some never pay. Every month, some 50 customers out of roughly 500 fail to pay up. "Their excuse is they don't have time t