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MCO Recovery Phase 2 SOP : 5 July 2021 Edition!

National Recovery Plan Phase 2 SOP : 24 Sept. 2021 Edition!

Here is the latest SOP for Phase 2 of the National Recovery Plan (PPN) for Malaysia!

Please SHARE this out, so your friends are updated on the latest Phase 2 SOP as well!

For Phase 1 SOP, please see PPN 1 SOP : 16 August 2021 Edition!
For Phase 3 SOP, please see PPN 3 SOP : 24 Sept. 2021 Edition!

 

National Recovery Plan Phase 2 SOP : Where Does It Apply?

This Phase 2 SOP currently applies to Kelantan, Perak, PenangSabah, Melaka, Selangor, Kuala LumpurPutrajaya and Johor.

 

National Recovery Plan Phase 2 SOP : 24 September 2021 Video!

This video shows the latest National Recovery Plan SOP slides (24 September 2021) for Phase 2, followed by our English translation.

 

National Recovery Plan Phase 2 SOP : 24 September 2021 Update!

This is the latest National Recovery Plan Phase 2 SOP that was released on 9 September 2021.

General Health Protocol In Phase 2 Areas

  • Licence holders and premise owners must provide MySejahtera QR code and a manual logbook to register customers.
  • Hand sanitiser must be provided at the entrance, and customers must use it before entering.
  • The use of MySejahtera is mandatory is areas with good Internet connectivity. The use of logbook is only allowed in areas with no Internet connectivity, or other reasonable excuse.
  • Licence holders and premise owners must ensure that customers and workers check in using MySejahtera. or the manual logbook if there’s no Internet connectivity.
  • Employers, employees, customers and visitors are required to check in using MySejahtera or write their names and phone numbers legibly in the logbook (if there is no Internet connectivity).
  • In shopping malls, customers only need to scan their body temperatures ONCE at the mall entry point. It is not necessary to scan their body temperature at every premise in the mall.
  • Those with body temperatures exceeding 37.5 degrees Celsius are NOT ALLOWED to enter.
  • Malls and premise owners must ensure that only customers with Low Risk or Casual Contact Low Risk in MySejahtera are allowed to enter.
  • Licence holders and premise owners must ensure that customers must maintain physical distance of at least 1 metre entering or leaving their premises.
  • Individuals 17 years or younger are not encouraged to be in public places and facilities.
  • Premise owners and business licence holders must restrict the number of customers within their premises to ensure at least 1 metre physical distancing.
  • Every premise must publicly display the limit of customers allowed inside at any one time. The use of a numbered queue system is encouraged to control the number of customers.
  • All building owners must provide QR Codes for each floor / level.
  • It is MANDATORY for employees, suppliers and customers to properly wear face masks while within the premise.
  • There must be good ventilation and aeration at the premise.
  • It is MANDATORY to wear a face mask, especially in crowded public areas, EXCEPT in these places or situations :
    a) hotel room or paid accommodation, alone or with your own family
    b) Personal working space
    c) Sporting activities and outdoor recreation
    d) Personal vehicle, alone or with your own family
    e) Indoor or outdoor public areas, when there are no other individuals
    f) While eating or drinking in public areas, when there are no other individuals (except in restaurants or other food & beverage premises)

Benefits For Fully Vaccinated People In Phase 2 Areas

Inter-District Travel

  • Inter-district travel is ALLOWED for fully-vaccinated individuals who must show their COVID-19 digital vaccination certificate or card, and identity card or passport as evidence.
  • Fully-vaccinated individuals are ALLOWED to bring children who are 17 years old or younger, while complying with general health protocols.

Couples In Long Distance Relationship

  • Husband and wife in long distance relationship are ALLOWED to travel inter-state or inter-district to meet each other, on the condition that they must both be fully vaccinated, and have been verified by PDRM with these documents:
    – Copy of identification card of both husband and wife
    – Copy of marriage card / certificate
    – Copy of COVID-19 Digital Vaccination Certificate for both husband and wife
    – Copy of proof of residence of either husband / wife, or confirmation letter from employer
  • The PDRM permission letter must be shown to pass through roadblocks.

Parents With Children Younger Than 18 Years Old Living Apart

  • Parents or guardians who have children under the age of 18 years living in a different state or district, are ALLOWED to travel to meet them, on the condition both parents are fully vaccinated, and have been verified by PDRM with these documents:
    – Copy of identification card of parents and child’s birth certificate
    – Copy of COVID-19 Digital Vaccination Certificate for both parents
    – Child’s schooling information (if relevant, e.g. boarding school)
  • The PDRM permission letter must be shown to pass through roadblocks.

Overseas Travellers

  • Malaysian citizens or foreigners who have homes in Malaysia (including PR and Malaysia My Second Home participants) arriving from overseas, are ALLOWED to undergo mandatory quarantine at home if they are fully vaccinated, on accepting a digital Home Surveillance Order (HSO) subject to these conditions:
    – Show proof of a valid negative RT-PCR test taken within 3 days of departure
    – Have a valid and complete COVID-19 vaccination certificate (depending on the type of vaccine).
    – Have no symptoms during the health screening conducted at the International entry point.
    – Have suitable accommodations to undergo quarantine
  • Individuals who arrive from overseas and are not fully vaccinated, or have not been vaccinated, must undergo mandatory quarantine in a KKM-approved quarantine centre.
  • The mandatory quarantine for travellers from all countries is 14 days, and can be extended a further 7 days, based on the risk assessment on Day 14.
  • Travellers must conduct a self-assessment using the Home Assessment Tool (HAT) in the MySejahtera app, every day until the end of the quarantine period (14 or 21 days after arrival).
  • Travellers must undergo a COVID-19 RT-PCR screening test on arrival. The RT-PCR screening test for COVID-19 must be released on Day 10, or Day 18 (for travellers undergoing a 21-day quarantine).

Religion

  • Prayer activities at the mosque and surau for individuals who are fully vaccinated are ALLOWED, subject to the rules and SOP by the state religious authority.
  • Prayer activities at non-Muslim religious houses for individuals who are fully vaccinated are ALLOWED, subject to the rules and SOP by the Ministry of National Unity.

Dine-In

  • Restaurant operators, including hotels, sports and recreational club houses, food shops, food stalls, food trucks, roadside hawkers, food courts, food carts, and food kiosks are ALLOWED to offer dine-in services, subject to these conditions :
    – only accept customers who are fully-vaccinated, and asymptomatic.
    – premise owners MUST display a notice at the entrance stating that only fully-vaccinated customers who are asymptomatic are allowed in
    – only workers who are fully-vaccinated and asymptomatic are allowed to work at these vaccination rates :
    a) 40% : allowed to operate with 60% worker capacity
    b) 60% : allowed to operate with 80% worker capacity
    c) 80% : allowed to operate with 100% worker capacity
    – premise owners must arrange the tables with physical distancing, and ensure the premise has good ventilation.
    – dine-in is allowed with a maximum capacity of 50% per table, with physical distance of at least 1 metre.
  • Individuals who are fully-vaccinated are ALLOWED to bring their children who are 17 years or younger to dine-in.

Sports + Recreation

  • Dine-in at the club house restaurant or cafe is ALLOWED.
  • All OUTDOOR sports and recreational activities with physical contact are LIMITED to individuals who are fully-vaccinated, from 6 AM until 10 PM.
  • All OUTDOOR sports and recreational facilities are ALLOWED to operate for fully-vaccinated individuals and their children who are 17 years old or younger, subject to strict SOP. Worker capacity (both management and operations) cannot exceed 60%.
  • All INDOOR sports and recreational activities, whether with or without physical contact, are LIMITED to those individuals who are fully vaccinated, from 6 AM to 10 PM.
  • All INDOOR sports and recreational facilities are ALLOWED to operate, but only open to fully-vaccinated individuals and their children who are 17 years old or younger, up to 50% capacity. Worker capacity (both management and operations) cannot exceed 60%.
  • The operation of both OUTDOOR and INDOOR sports and recreational facilities are subject to the rules of the local authorities / relevant authorities.
  • Competitions or championships WITHOUT spectators or supporters are limited to the Ministry of Youth and Sports (KBS), Malaysian Football League – MFL) and those who received special permission from KBS.
  • Group sports and recreational activities / training (without or without contact) are limited to fully-vaccinated individuals and their children who are 17 years old or younger, with supervision and limited to 50% capacity of the venue / area, or up to 50 persons at any one time, including the coach / instructor / parents, whichever is fewer.

Recreational Fishing

  • Recreational fishing, including fishing pond, is ALLOWED for fully-vaccinated individuals, from 6 AM until 10 PM within the same state.

Picnic + Camping

  • Picnic and camping are ALLOWED within the same state.
  • Fully-vaccinated individuals are ALLOWED to bring children who are 17 years old or younger for picnics and camping, subject to strict SOP.

Tourism

  • Tourism is only allowed within the same state, involving hotel and homestay.
  • Fully-vaccinated individuals are ALLOWED to undertake tourism activities within the same state, by showing their COVID-19 digital vaccination certificate or card when checking in.
  • Hotel and homestay operators must ensure that individuals who enter their premises prove that they are fully-vaccinated by showing their COVID-19 digital vaccination certificate or card.
  • Individuals who are fully-vaccinated are ALLOWED to bring their children who are 17 years or younger for tourism activities at the hotel and homestay.
  • Visits by prior appointment are ALLOWED for fully-vaccinated individuals to public cultural premises like museum, gallery, archive, handicraft centre, memorial, library and cultural complex, cultural village or center, cultural shows, up to 50% capacity.
  • Langkawi Island Tourism Bubble is open to fully-vaccinated tourists.

Cruise Ships

  • Cruise ships are ALLOWED to operate at 50% capacity, on the condition that all crew members and passengers are fully-vaccinated.
  • Pub and night club activities onboard are FORBIDDEN.

Manufacturing + Construction Sectors

  • Manufacturing and construction activities not listed in the Essential Manufacturing and Construction list are ALLOWED, according to these fully vaccinated rates :
    a) 40% : Allowed to operate at 60% worker capacity
    b) 60% : Allowed to operate at 80% worker capacity
    c) 80% : Allowed to operate at 100% worker capacity
  • Workers must undergo RTK antigen tests every two weeks, at employer’s cost

Mining + Quarrying

  • For mining and quarrying companies that achieved these fully vaccinated rates :
    a) 80% to 100% : Allowed to operate at 100% worker capacity
    b) Less than 80% : Allowed to operate at 80% worker capacity
  • Workers must undergo RTK antigen tests every two weeks, at employer’s cost

Trade + Distribution

  • Only open to fully-vaccinated customers :
    1. Photographic equipment and photography shop
    2. Preloved (second hand) shop
    3. Flower and nursery shop
    4. Handicraft and souvenir shop
    5. Antique shop
    6. Games shop
    7. Carpet shop
    8. Creative content and equipment shop
    9. Outdoor equipment (including camping, fishing and other equipment)
    10. Cosmetics, skincare and perfume
    11. Tobacco shop (including vape and electronic cigarette)
    12. House and kitchen appliance shop
    13. Furniture shop
    14. Sporting goods shop
    15. Car accessories shop
    16. Car sales and distribution
    17. Clothes, fashion and accessories shop
    18. Jewellery shop
    19. Barber shop
    20. Beauty salon / center
    21. House show room
  • Premise owners must ensure that customers who wish to enter MUST show their digital COVID-19 vaccination certificate or card, to prove that they are fully-vaccinated.
  • Fully-vaccinated individuals are ALLOWED to bring children who are 17 years old or younger to these premises.

Spa, Wellness + Massage Parlours

  • Spa, wellness and massage parlours are ALLOWED to operate, on the condition that both customers and operators are fully-vaccinated, from 1 October 2021 onwards.
  • Employees and customers must be fully-vaccinated, not COVID-19 positive and not close contacts to positive cases, and not symptomatic.
  • Walk-in is not allowed. Only customers with prior appointments are allowed.
  • Employees must wear disposable gloves, face mask and face shield while at work.
  • Employees must replace their disposable gloves, liners for the bed or mattress or chair, and clean all equipment including face shield before attending to each customer.
  • MOTAC will monitor these conditions :
    – spa operators must declare how many employees are fully-vaccinated to MOTAC before they are allowed to operate
    – SOP Self-Compliance Program, especially ventilation within the premise.
    – MOTAC will monitor compliance by conducting periodical spot checks
    – Periodical COVID-19 screening test of symptomatic employees

Night Market + Weekend Market

  • Only fully-vaccinated individuals are allowed to enter a night market or weekend market.
  • Night market and weekend market are allowed to operate, subject to customers proving that they are fully-vaccinated by showing their COVID-19 digital vaccination certificate or card.

Driving School

  • Driving schools are ALLOWED to operate, with the condition that all workers, teaching staff and candidates must be fully-vaccinated, with COVID-19 digital vaccination certificate or card as evidence.
  • Only employees who are fully-vaccinated and asymptomatic are allowed to work at these vaccination rates :
    a) 40% : Allowed to operate at 60% worker capacity
    b) 60% : Allowed to operate at 80% worker capacity
    c) 80% : Allowed to operate at 100% worker capacity

Creative + Entertainment Industry

  • All creative industry practitioners who are fully-vaccinated are ALLOWED to resume these activities :
    – development and broadcast of recorded or live-streamed creative content
    – broadcast or livestream of information and entertainment with fully-vaccinated spectators up to 50% capacity of the studio space.
    – in-studio or outdoor filming
    – busking
    – lounge hotel performances to fully-vaccinated guests
    – live performances like theatre, musical, music and comedy (pre-registered) with fully-vaccinated attendees up to 50% of premise capacity.
    – cinema activities are ALLOWED with fully-vaccinated workers and cinema goers, up to 50% of cinema capacity.

Travel Restrictions In Phase 2 Areas

  • Interstate and inter-district travel (based on district borders determined by state governments) are FORBIDDEN, except :
    – fully-vaccinated individuals travelling inter-district only
    – long-distance couples, children in other states / districts, or individuals who have been given PDRM or KKM permission to travel interstate
  • Selangor, Kuala Lumpur and Putrajaya are considered to be a single infection zone.
  • All entry and exit into MCO areas will be closed and controlled by the police (PDRM).
  • Fully-vaccinated individuals are ALLOWED to travel in vehicles at full capacity.
  • For those who are not fully-vaccinated :
    – Only two (2) household representatives may leave to purchase food, medicine, dietary supplement and basic necessities.
    – Up to three (3) people, including the patient, may leave to seek healthcare, medical care, screening test, vaccination, security or emergencies.
  • Taxis and e-hailing rides are limited to just TWO (2) people in the vehicle, including the driver, and the passenger must sit in the back.
  • Vehicles carrying goods or involved in the economic chain or industry (except worker transportation) is allowed to travel at full capacity.
  • Official and government vehicles are allowed to travel at full capacity.
  • Airports, ports and logistic sector are ALLOWED to operate 24 hours.
  • Public transportation (train, bus, LRT, MRT, ERL, monorail, taxi, ferry) are allowed to operate at full capacity.
  • Unloading of non-essential goods in factories is limited to delivery and receipt of goods or cargo in existing stockpiles for the purpose of import and export only with limited workers. Unloading of essential goods is not subject to these restrictions and can proceed as usual.
  • Travel for funerals and natural disasters are ALLOWED, with police permission.
  • Disaster or humanitarian aid from NGO must obtain permission from the state or district Disaster Management Committee, and the aid must be channelled through the Disaster Operational Control Centre (PKOB) of the affected area.
  • Interstate and inter-district travel for the purpose of going for vaccination is ALLOWED by showing the appointment in MySejahtera, website or SMS.
  • Members of Parliament or State Legislators are ALLOWED to travel interstate or inter-district to visit their constituencies without conducting any events.
  • Travel for Short Term Business Visitors under the One Stop Centre (OSC) initiative for official or business purposes are ALLOWED with police permission.
  • Interstate and inter-district travel between Phase 2 areas is ALLOWED for husbands and wives in long-distance relationships who are not fully vaccinated, with police permission using these documents :
    – copy of identification cards of both husband and wife
    – copy of marriage card / certificate
    – copy of proof of residence of husband / wife, or employer’s confirmation letter

Civil Service

  • Civil service will operate in hybrid mode with this approach :
    – Office attendance must not exceed 60% at any one time (except for frontliners, security, defence and enforcement), and 40% must work from home, in rotation.
    – Counter services are subject to the current orders from the Secretary to the Government of Malaysia (KSN).
    – Civil servants going to office must receive official attendance order and worker’s pass.

Private Sector

  • Approved essential services must have official approval from the relevant Ministry or Agency.
  • Employee travel is limited to approved operations letter or worker’s pass or employer’s letter of authority.
  • Employee capacity for the private sector (essential services) is limited to 80%, including both operations and management. Employee capacity can be increased to 100% when employee vaccination is 80% or higher.
  • All offices not listed under essential services are allowed to operate at these vaccination rates :
    a) 40% : Allowed to operate at 60% worker capacity
    b) 60% : Allowed to operate at 80% worker capacity
    c) 80% : Allowed to operate at 100% worker capacity

MICE

  • Face-to-face meeting are ALLOWED for fully-vaccinated individuals, limited to 50% of meeting room capacity.
  • Meetings must be conducted via video conferencing for individuals who are not fully-vaccinated.
  • It is encouraged to conduct meetings through video conferencing.
  • Seminars, workshops, courses, training and talks are FORBIDDEN, except in-service training through Camp-Based Training.
  • Seminars, workshops, courses, training and talks conducted online are ALLOWED.
  • Critical interviews are ALLOWED either face-to-face or online.

Business Activities

  • Restaurants, food shops, food stalls, food trucks, hawkers, food courts, hawker centres. food kiosks are ALLOWED to operate from 6 AM until 12 midnight.
  • Sale of food only allowed through takeaway, drive-through or delivery, except dine-in services for fully-vaccinated customers. Dine-in services for social events are FORBIDDEN.
  • Park & dine services are FORBIDDEN.
  • Grocers, convenience stores and mini marts are ALLOWED to operate from 6 AM until 12 midnight.
  • Pharmacies and self-care stores are ALLOWED to operate from 6 AM until 10 PM.
  • Hardware stores, vehicle workshops, childcare stores and religious stores are ALLOWED to operate from 6 AM until 10 PM.
  • Healthcare services like hospitals, clinics and medical laboratories are ALLOWED to operate 24 hours, or up to their licensed operating hours.
  • Petrol stations can operate from 6 AM until 12 midnight, except for those on tolled highways which can operate 24 hours.
  • Supermarkets, shopping malls, and departmental stores allowed to operate from 6 AM until 10 PM.
  • Bookstores and stationery, computer, telecommunications, and electrical shops are ALLOWED to open from 6 AM until 10 PM.
  • Barber, hair saloon and beauty saloons are ALLOWED to open from 6 AM until 10 PM.
  • Veterinarian clinics and pet food stores are ALLOWED to open from 6 AM until 10 PM.
  • Laundry services, car wash and optical stores are allowed to operate from 6 AM until 10 PM. Self-service laundromats must ensure an employee is present on-premise.

  • Daily and public markets are ALLOWED to open from 6 AM until 4 PM, subject to the local authorities, proper SOP and under RELA / PBT supervision.
  • Controlled Fresh Produce Market (PST) are ALLOWED to open from 7 AM until 2 PM.
  • Permanent Farm Market (PTK), MyFarm Outlet (MFO) and Local Farmer’s Association Complex (PPK) are ALLOWED to open from 6 AM until 4 PM.
  • Wholesale markets are ALLOWED to open from 12:01 AM until 6 AM, and from 11 AM until 4 PM, subject to the local authorities, proper SOP and under RELA / PBT supervision.
  • Farmer’s market and morning market are ALLOWED to open from 7 AM until 11 AM, limited to main commodities determined by the Ministry of Agriculture and Food Industries (MAFI).
  • Night market and weekend market are ALLOWED to operate, subject to SOP and monitoring by RELA or local authorities.
  • Only fully-vaccinated people may enter a night market or weekend market, by showing their COVID-19 digital vaccination certificate or card.
  • The operation of mines and quarries is ALLOWED, subject to the Mining and Quarrying SOP.
  • Fishing for livelihood is ALLOWED.

Education

  • Reopening of schools under the Ministry of Education (KPM), or educational institutes registered with KPM for face-to-face learning are based on risk assessment and opinions of the Ministry of Health (KKM) and the National Security Council (MKN).
  • Primary School Reopening
    a) Special needs students (MBK) in National Special Education Schools and Integrated Special Education Program can attend classes without rotation.
    b) all other students will continue with online classes.
  • Secondary School Reopening
    a) Form 6 Semester 2, International Baccalaureate Diploma Program (IBDP) Year 2 and Pre-University Program Semester 3 students in Malaysia Sports School (SSM) can attend classes without rotation.
    b) Special needs students (MBK) in National Special Education / Vocational Schools or PPKI can attend classes without rotation.
    c) Students sitting for international IGCSE (International General Certificate for Secondary Education) O Level, A-Level and Australia Higher School Certificate and International Baccalaureate Diploma Programme can attend classes without rotation.
    d) all other students will continue with online classes.
  • Students are allowed to travel inter-state to attend school or other education institute with a confirmation letter from the Ministry of Education.
  • Students are allowed to be accompanied by a guardian / parent while travelling to and from their school or other education institute.
  • Teachers or lecturers who are involved in face-to-face classes are allowed to travel interstate, with confirmation letter from the Ministry of Education.
  • Students who need to travel from Peninsular Malaysia to Sabah, Sarawak or Labuan and vice versa must comply with existing quarantine rules.
  • Students are allowed to travel interstate to their hostels with confirmation letter from the Ministry of Education.
  • Students staying in hostels must test themselves using the COVID-19 Self-Test Kit three times – before registering to enter, on the 6th day and on the 14th day in their hostel.
  • All schools and skill training institutes other than those under KPM, tahfiz centre and other educational institutes are subject to their relevant Ministry or Agency.
  • All institutes of higher learning will be open in stages to students who are fully-vaccinated.
  • All learning activities in institutes of higher learning – face-to-face, in groups – are allowed for fully-vaccinated students. Hybrid learning will be conducted for students on campus, while online learning will continue for students who are unable to return to campus.
  • International and professional exams, as well as research activities requiring lab access in tertiary education facilities are ALLOWED.
  • Students in boarding schools or universities are ALLOWED to continue hybrid studies.
  • Private and public kindergartens, kindergartens in private, international and expatriate schools and mind development centres are ALLOWED to operate for parents or guardians who are working. Their operators and employees must be fully-vaccinated.
  • Home care or rehabilitation centres of children, the disabled (OKU), senior citizens, women and other care facilities are allowed to operate, subject to the SOP.
  • Parents or guardians sending their children to childcare centres are allowed to transport them at full vehicle capacity.

Religion

  • Prayer activities are ALLOWED for individuals who are fully-vaccinated, subject to the rules and SOP of the state Islamic religious authority.
  • Islamic wedding ceremony (akad nikah) is ALLOWED only in the Islamic Religious Office / Department with the attendance capacity set by the State Religious Authority.
  • Prayer activities are ALLOWED for individuals who are fully-vaccinated, subject to the rules and SOP of the Ministry of National Unity (KPN).
  • Non-Muslim marriage registrations are allowed at the National Registration Department (JPN), houses of worship and religious associations, subject to limits set by JPN.
  • Burial activities are allowed according to limits set by the State Religion Authority (Islam) or the National Unity Ministry (Non-Muslim).

Sports + Recreation (for partially-vaccinated / unvaccinated)

  • Individual sports and recreational activities without physical contact and physical distancing of 1-3 metres are allowed in OUTDOOR spaces, from 6 AM until 10 PM.
  • All OUTDOOR sports and recreational facilities are ALLOWED to open, with supervision and up to 60% worker capacity (both management and operations).
  • Operations of all OUTDOOR sports and recreational facilities are subject to the local authorities.
  • Athlete / coach / official / technical support participation in overseas championships or competitions or matches are subject to the approval of the Immigration Department with support from KBS / MSN.
  • Picnics and camping are FORBIDDEN for individuals who are not fully vaccinated.

 

National Recovery Plan Phase 2 SOP : Essential Services

Essential Services Allowed To Operate In Phase 2 Areas

  1. Food and beverages, including for animals
  2. Healthcare and medical services, including dietary supplements, veterinarian services, etc.
  3. Water supply
  4. Energy supply
  5. Security and safety, defence, emergency, social and humanitarian services
  6. Waste disposal and public sanitisation and sewerage
  7. Land, water and air transportation
  8. Port, shipyard, airport services and operations, including loading, unloading, cargo handling and piloting, storage or transportation of commodities
  9. Communications including media, telecommunications and Internet, post and courier, as well as broadcasting (for the purpose of conveying information, news and the like.
  10. Banking, insurance, takaful and capital markets (60% capacity)
  11. Community credit and pawn shops
  12. E-commerce and information technology
  13. Production, distillation, storage, supply and distribution of fuels and lubricants
  14. Hotels and accommodation (only for quarantine purposes, segregation, employment for essential services and not for tourism).
  15. Construction
  16. Forestry services (limited to enforcement) and wildlife
  17. Legislative and judiciary.
  18. Lawyers and commissioners of oaths
  19. Accounting services
  20. Professional services and consultants (subject to the Professional Body’s regulatory authority)
  21. Logistics limited to delivery of essential services

Essential Services According To Sector In Phase 2 Areas

All industries are FORBIDDEN, except for the following sectors :

Manufacturing

  1. Aerospace (components and maintenance, repair and overhaul – MRO)
  2. Food and beverage
  3. Packaging and printing materials, only related to essential services
  4. Personal care and cleaning products
  5. Healthcare and medical medicine
  6. Personal care items, personal protective equipment (PPE), including rubber gloves and fire safety equipment
  7. Components for medical devices.
  8. Electrical and electronics of global economic chain importance
  9. Oil and gas, including petrochemicals and petrochemical products
  10. Machinery and equipment
  11. Textiles for PPE production only
  12. Production, distillation, storage, supply and distribution of fuels and lubricants
  13. Automotive (vehicles and components)
  14. Ceramics
  15. Cement
  16. Rubber
  17. Iron and steel
  18. Furniture factory

Agriculture, Fisheries, Livestock, Plantation and Commodities

  1. Agriculture, fisheries and livestock and their supply chains
  2. Plantation and commodities including their supply chain (oil palm, rubber, pepper, cocoa, lumber, kenaf, biodiesel and agricommodity certification)
  3. Logging activity is subject to the Ministry of Energy and Natural Resources (KeTSA).

Construction

  1. Maintenance and repair works
  2. Public infrastructure construction works
  3. Construction works that provide approved employee accommodation at construction sites.
  4. Construction works that house workers in approved Centralised Workers Quarters (CLQ).
  5. Construction works of small projects carried out by G1, G2, G3 and G4 contractors.
  6. Renovation of personal homes or commercial buildings.
  7. Land investigation work.
  8. Construction of Government Funded Project.
  9. Professionals / consultants involved in permitted construction works
  10. Services in the supply chain for permitted construction works
  11. Site preparation work, like surveying work, earthworks, marking and clearing of site
  12. Road and highway construction work

Trade + Distribution (Without Vaccination)

  1. Shopping malls INCLUDING supermarkets, hypermarkets, departmental stores and all listed essential services.
  2. Supermarkets and hypermarkets
  3. Departmental stores, EXCEPT clothes, decoration, cosmetics and children toys.
  4. Pharmacies, self-care stores, convenience stores and mini marts.
  5. Restaurants
  6. Laundry services, including self-service laundromats
  7. Pet care and pet food stores
  8. Eyewear and optical goods stores
  9. Hardware stores
  10. E-commerce – all product categories
  11. Wholesale and distribution – for all essential products only
  12. Bookstores and stationery shops
  13. Computer and telecommunications
  14. Electrical goods shops
  15. Carwashes
  16. Vehicle workshops, maintenance and spare parts
  17. Other specialty retail store (petrol stations)

Trade + Distribution (For Fully-Vaccinated)

  1. Photographic equipment and photography shop
  2. Preloved (second hand) shop
  3. Flower and nursery shop
  4. Handicraft and souvenir shop
  5. Antique shop
  6. Games shop
  7. Carpet shop
  8. Creative content and equipment shop
  9. Outdoor equipment (including camping, fishing and other equipment)
  10. Cosmetics, skincare and perfume
  11. Tobacco shop (including vape and electronic cigarette)
  12. House and kitchen appliance shop
  13. Furniture shop
  14. Sporting goods shop
  15. Car accessories shop
  16. Car sales and distribution
  17. Clothes, fashion and accessories shop
  18. Jewellery shop
  19. Barber shop
  20. Beauty center or salon
  21. House show room

 

National Recovery Plan Phase 2 SOP : NEGATIVE LIST

These activities are FORBIDDEN using the National Recovery Plan Recovery Phase 2 SOP.

  • Cybercafes and cybercenters
  • Casino
  • Official and unofficial public and private events
  • Feasts, festivals, weddings, engagements, receptions, aqiqah ceremonies, tahlil, anniversaries, birthdays, reunions, retreats and other social events.
  • Seminars, workshops, courses, training, conferences, exhibitions, lectures and all MICE (Meetings, Incentives, Conventions and Exhibitions) events that are face-to-face.

  • Theme parks, family entertainment centres, indoor playgrounds, karaoke, including family karaoke.
  • Interstate tourism
  • Inter-district tourism by individuals who are not fully-vaccinated.
  • Overseas travel by citizens, and local travel involving foreigners entering Malaysia.
  • Sports and recreational activities exceeding the allowed capacity.
  • All championships, competitions, and matches, EXCEPT those organised by the Ministry of Youth and Sports (KBS), Malaysian Football League (MFL) and Petronas Cub Prix Championship only.
  • Spectator or supporter attendance at sport venues and recreation.
  • Participation by athlete, coach, official, technical support to overseas competitions or championships or matches, WITHOUT the permission of the Malaysia Immigration Department and support from KBS / MSN.
  • Sports or recreational activities outside of allowed areas, EXCEPT with police permission.
  • Night club or pub activities
  • Any activity that involves many people gathering in one place until it is hard to maintain physical distancing, and compliance with the Director General of Health’s orders.
  • Any other matter that may be decided by the Government from time to time.

 

Please Support My Work!

Support my work through a bank transfer /  PayPal / credit card!

Name : Adrian Wong
Bank Transfer : CIMB 7064555917 (Swift Code : CIBBMYKL)
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Dr. Adrian Wong has been writing about tech and science since 1997, even publishing a book with Prentice Hall called Breaking Through The BIOS Barrier (ISBN 978-0131455368) while in medical school.

He continues to devote countless hours every day writing about tech, medicine and science, in his pursuit of facts in a post-truth world.

 

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KL + Selangor EMCO 3.0 SOP : 7 July 2021 Edition!

Here is the latest SOP for the new EMCO 3.0 lockdown of KL and Selangor!

Please SHARE this out, so your friends are updated on the latest SOP as well!

Updated @ 2021-07-08 : Added new sectors allowed to open in Selangor.

Updated @ 2021-07-02 : Added a number of changes to the EMCO SOP for KL + Selangor
Originally posted @ 2021-07-01

 

KL + Selangor EMCO 3.0 SOP : Starts On 3 July 2021!

On 1 July 2021, the Malaysia National Security Council (MKN) announced that certain areas in KL and Selangor will come under EMCO lockdown with new SOP!

Selangor

The EMCO (Enhanced Movement Control Order) lockdown will last for 14 days, from 3 July until 16 July 2021 for these areas in Selangor :

  1. Petaling District : Petaling, Damansara, Sungai Buloh, Bukit Raja
  2. Hulu Langat District : Hulu Langat, Ampang, Cheras, Kajang, Semenyih, Beranang
  3. Sepang District : Dengkil, Labu, Sepang
  4. Gombak District : Batu, Rawang, Setapak, Hulu Kelang, Kuang
  5. Kuala Langat District : Tanjung 12 (1), Tanjung 12 (2), Teluk Panglima Garang, Morib, Bandar, Jugra, Batu
  6. Klang District : Kapar, Klang
  7. Kuala Selangor District : Ijok, Bestari Jaya, Jeram
  8. Hulu Selangor District : Serendah, Rasa, Ulu Yam, Batang Kali

Kuala Lumpur

The EMCO (Enhanced Movement Control Order) lockdown will last for 14 days, from 3 July until 16 July 2021 for these areas in Kuala Lumpur :

  1. Projek Perumahan Rakyat (PPR) Sri Semarak
  2. Projek Perumahan Rakyat (PPR) Batu Muda
  3. Flat Seksyen 2 Wangsa Maju
  4. Flat Seksyen 1 Wangsa Maju
  5. Kampung Padang Balang
  6. Taman Koperasi Polis (Fasa 1 & 2)
  7. Flat Sri Sabah
  8. Kampung Puah
  9. Projek Perumahan Rakyat (PPR) Kampung Baru Air Panas
  10. Flat Desa Pandan (Termasuk Baiduri & Delima)
  11. Kampung Batu Muda
  12. Projek Perumahan Rakyat (PPR) Kerinchi
  13. Bandar Baru Sentul
  14. Taman Ikan Emas

 

KL + Selangor EMCO 3.0 SOP Video : 2 July 2021 Edition!

This video shows the latest MKN EMCO 3.0 SOP slides (2 July 2021), followed by our English translation.

Please note that this new EMCO SOP will only be effective starting 3 July 2021.

 

KL + Selangor EMCO 3.0 SOP List : 7 July 2021 Edition!

This is the new EMCO / PKPD SOP that was updated on 7 July 2021.

Travel Restrictions

  • All entry and exit into EMCO areas will be closed and controlled by the police (PDRM).
  • All residents in EMCO areas are FORBIDDEN to leave their house.
  • Only one (1) household representative may leave to purchase essential supplies within a radius of 10 kilometres.
  • Up to three (3) people, including the patient, may leave to seek healthcare, medical care or vaccination. Updated!
  • Interstate and inter-district travel for the purpose of going for vaccination is ALLOWED by showing the appointment in MySejahtera, website or SMS.
  • Individuals under home quarantine – Home Surveillance Order (HSO) – are FORBIDDEN to leave their homes.
  • No one is allowed to leave their homes after 8 PM, except for emergencies or with police permission.
  • Only one (1) person is allowed in each personal vehicle (of all types). Additional passenger requires police permission, on a case-to-case basis.
  • Vehicles carrying goods or involved in the economic chain or industry (except worker transportation) is allowed to travel at full capacity.
  • Official and government vehicles are allowed to travel at full capacity.
  • Public transportation (train, bus, LRT, MRT, ERL, monorail, taxi, ferry, e-hailing ride) are allowed to operate at 50% capacity.
  • Taxis and e-hailing rides are limited to just TWO (2) people in the vehicle, including the driver.
  • Airports and ports are ALLOWED to operate as normal.
  • Only essential services, like utilities, cleaning and sewerage, are allowed to operate from 8 AM until 8 PM.
  • Only workers providing essential services or those conducting official government work, with employer’s letter or valid worker’s pass, are allowed to work.
  • Only workers in essential services and factories and permitted business premises can use MITI permission letters that were issued earlier.
  • Non-essential workers are FORBIDDEN to leave EMCO areas, and are FORBIDDEN to work during EMCO. Employers must comply with this rule, and allow employees to work from home.
  • Residents are allowed to leave EMCO areas for emergencies like sickness or death, with police permission. Consideration will be granted by PDRM and KKM based on a case-to-case basis.
  • Travel for purposes not listed in the SOP requires police permission.

Business Activities

  • Restaurants, eateries, food trucks, roadside vendors, mobile vendors, food courts, hawker centres, food stalls and food kiosks are ALLOWED to operate from 8 AM until 8 PM.
  • Food and drinks are only allowed to be purchased through take-away, drive-through and delivery.
  • Dine-in and park & dine services are FORBIDDEN.
  • Groceries, convenience stores, stores selling daily essentials are ALLOWED to operate from 8 AM until 8 PM.
  • Supermarkets and hypermarkets are ALLOWED to operate, limited to the food, drinks and essential supplies sections only, from 8 AM until 8 PM.
  • Hospitals, clinics and medical laboratories are ALLOWED to operate up to 24 hours, or according to their licence.
  • Pharmacies, medicine shops, veterinaries, pet food stores are ALLOWED to operate from 8 AM until 8 PM.
  • Petrol stations are ALLOWED to operate from 6 AM until 8 PM, except for those on tolled highways which can operate 24 hours.
  • Wholesale markets are ALLOWED to operate from 12:01 AM until 6 AM.
  • Public markets, permanent farmer’s markets (PTK) and MyFarm Outlets (MFO) are ALLOWED to operate from 6 AM until 2 PM.
  • Daily markets, morning markets, farmer’s markets, night markets, late night bazaars are FORBIDDEN.
  • Critical maintenance, repairs and wiring works are ALLOWED on appointment basis. New!
  • Vaccination centres in EMCO areas are ALLOWED to operate.
  • All educational institutes must CLOSE during EMCO.
  • All sports, social, recreational and cultural activities are FORBIDDEN.
  • Quarantine-based centralised training programmes for teams in the Malaysian Football League (MFL) are ALLOWED using Camp Based Training.
  • Government and private face-to-face meetings are FORBIDDEN.
  • KKM will conduct targeted screening tests on all residents in EMCO areas.
  • Food assistance from NGO / company / individual must be channeled through the District Disaster Management Committee coordinated under the District or State Disaster Operational Control Centres.

Religion

  • Islamic religious activities are subject to the decision of the State Religious Authority.
  • Non-Islamic religious activities are subject to the decision of the Ministry of National Unity (KPN).

Children Care

  • Childcare, private kindergartens and kindergartens in private, international and expatriate schools, and enrichment centres for children aged 4 to 6 years old are FORBIDDEN to operate, except for children whose both parents or guardians are frontliners or working in essential services.
  • Residential care centers or rehabilitation centers for children with disabilities (OKU), female senior citizens and other care centers are ALLOWED to operate in accordance to the SOP.
  • Parents or guardians sending their children to a childcare center are ALLOWED to drive with as many children as the vehicle capacity allows.

Essential Services

  • Government office operations in EMCO areas are subject to the instructions of the Chief Secretary to the Government during Phase 1 of the Movement Control Order.
  • Civil servants in essential services are limited to 20% (not including frontliners, security and defence personnel).
  • Government counter services are closed completely, except :
    a) health services
    b) police station
    c) international entry gateways involving customs, immigration and quarantine.
  • The number of workers in the private sector providing essential services is limited to 60% (including operations and management).

General Health Protocol

  • Licence holders and premise owners must ensure that customers must maintain physical distance of at least 1 metre entering or leaving their premises.
  • Licence holders and premise owners must provide MySejahtera QR code and a manual logbook to register customers.
  • Hand sanitiser must be provided at the entrance, and customers must use it before entering.
  • The use of MySejahtera is mandatory is areas with good Internet connectivity. The use of logbook is only allowed in areas with no Internet connectivity, or other reasonable excuse.
  • Licence holders and premise owners must ensure that customers and workers check in using MySejahtera. or the manual logbook if there’s no Internet connectivity.

List Of Essential Services Updated!

A. Manufacturing Sector

  • Dry Food : sugar, cooking oil, flour, rice, break, milk products, grains, milk powder, biscuits, sardine, instant noodles, condensed milk, evaporated milk, salt, vermicelli, noodles, sauces, soy sauce, spices, baby food, animal food
  • Frozen Food : chicken, beef, mutton, seafood, vegetables
  • Drinks : mineral water, chocolate malt, coffee, tea, fresh milk
  • Self-care : baby diapers, adult diapers, medicines, hand sanitiser, face mask
  • Aerospace : Maintenance, Repair and Overhaul (MRO)
  • Machinery and equipment (M&E) : only for the production of healthcare and food products
  • Electrical and electronics (E&E) : including its supply chains

* Only involves packaging, labelling and transportation

B. Service Sector

  • Water, electricity and energy
  • Healthcare
  • Banking
  • Veterinary and animal feed
  • Security (security and safety), defence, emergency, welfare and humanitarian aid
  • Land, water and air transportation
  • Shipyard and airport port services and operations, including unloading and cargo handling, lighter transport, piloting and storage or stockpiling of commodities
  • Hotels and lodging (only for the purpose of quarantine, segregation, essential service work and not for tourism)
  • Communications include media, telecommunications and the internet, post and courier as well as broadcasting (for the purpose of conveying news, information and the like)
  • Cleaning, solid waste management and sewerage
  • Information technology and E-commerce (for messaging and deliveries only).
  • Delivery of food, beverage and parcel, including p-hailing (parcel hailing)

* Any activity that is part of chain in this service sector list.

EMCO SOP NEGATIVE LIST

  • All economic sectors, other than those listed in A. Manufacturing Sector and B. Services Sector in the Essential Services list.
  • All entertainment activities are FORBIDDEN.
  • All sports and recreational activities are FORBIDDEN. Public parks must close.
  • All tourism activities in and out, or inside EMCO areas are FORBIDDEN.
  • All official or unofficial public or private events, and any kind of social events are FORBIDDEN.
  • All forms of face-to-face seminars, courses, training, classes or any other educational or learning activities are FORBIDDEN.

 

Please Support My Work!

If you would like to support my work, you can do so via bank transfer /  PayPal / credit card.

Name : Adrian Wong

Bank Transfer : CIMB 7064555917 (Swift Code : CIBBMYKL)
Credit Card / Paypal : https://paypal.me/techarp

Thank you in advanced! 

 

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Papparich Group Ordered To Close By High Court!

This is the end for Papparich in Malaysia – it has been ordered by the High Court of Malaya to wind up its business!

 

Papparich Group Ordered To Close By High Court!

Last year, shareholder Chen Khairy Voon and the investment holdings company Agathisfour filed separate Winding-Up Petitions against Papparich Group Sdn Bhd on 15 May 2020 and 22 May 2020 respectively, over alleged unpaid debts of RM37.22 million

Just over a year later, the High Court of Malaya in Shah Alam ordered Papparich Group Sdn Bhd (PGSB) to wind up its business on 5 May 2021.

Chan Siew Mei of KPMG Deal Advisory Sdn Bhd was appointed as the liquidator, as per The Business Times.

According to the public notice, the Winding-Up Petition was directed to be heard before the High Court of Malaya at 9 AM on 11 August 2021.

The public notice also called for any party looking to support or oppose the Petition for the Winding-Up of Papparich Malaysia to appear for the hearing.

 

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Scam Alert : CIMB Customers Hit By Fake SMS Messages!

Scammers continue to target CIMB customers, using many different kinds of fake SMS messages.

Do NOT click or call if you receive any of these fake SMS messages!

And please warn your family and friends!

 

Scam Alert : CIMB Customers Hit By Fake SMS Messages!

Whether you are a CIMB Bank customer or not, you may receive one of these alarming SMS messages :

RM 0.00 CIMB: Confidential!

Dear CIMB users, your account will TERMINATED on 24/12/20. Verify via http://www.cimbclickikm.cc to keep on using CIMB Clicks services.

Please make verification within 24hours to avoid service interruption.

RM0 CIMB: Instant Transfer RM4998.78 to CHAY LEE FEN/HONG LEONG on 23-Dec-2020, 13:06:35. Call the no. at the back of your card for queries.

If you receive any of these SMS messages, please DO NOT click on the link, or call the number. JUST IGNORE THEM, or delete them.

RM0.00 CIMB: MYR 2968.00 was charged on your card num 4204 at Shopee.MY. If this is not your txn, call 1800-9767 now.

Cimb Your account is judged as high risk by the system, PLS re-verify your account. cimbclicksecurity.com

Note : These scams do not just affect CIMB Bank. In fact, all banks are affected :

 

Why These CIMB SMS Messages Are Fake

Let us show you how to identify these fake CIMB SMS messages.

If you spot any of these warning signs, BACK OFF and DO NOT PROCEED!

Warning Sign #1 : Grammatical Mistakes

If you carefully read the first SMS messages above, you can easily spot numerous grammatical mistakes. A bank will never send such poorly worded messages to their customers.

However, they may copy the real SMS message from CIMB to trick you into thinking that this is a real transaction. Such fake SMS messages will have proper grammar.

Warning Sign #2 : Embedded Links

Banks will NEVER embed links (URLs) into the message. If you see embedded links, always think – SCAM SMS!

Unlike the Public Bank SMS scam, they used a copy of the real SMS message to trick you into clicking the URL in the first message.

Warning Sign #3 : Wrong Links

And always check the link – www.cimbclickikm.cc and cimbclicksecurity.com are not the correct addresses for the CIMB Bank websites (www.cimbclicks.com.my or www.cimb.com.my).

The best policy is to manually key in the bank website address. NEVER click on any link in an SMS, even if it looks legit.

When you see any website with .cc links, be wary because the .CC domains are registered in the Cocos (Keeling) Islands – an Australian territory of only 14 km², with only about 600 inhabitants.

Warning Sign #4 : No Personal Login Phrase / Picture

To avoid phishing attacks, banks now give you a secret response (like a picture or a phrase) to confirm that you are visiting their legitimate website.

If the website you are visiting gives you the wrong picture or secret phrase, you have been tricked into visiting a fake website designed to mimic the real bank website.

You should also remember that the bank website must show you secret picture or phrase right after you enter your login, but BEFORE you key in your password.

If you are asked to key in your password without the website displaying the secret phrase or picture, you have been tricked into visiting a fake website designed to mimic the real bank website.

 

CIMB Advice To Protect Against Fake SMS / Email Scams

Here is a list of DOs and DON’Ts to protect yourself against fake SMS / email scams.

Please DO follow these good practices

  1. Pay attention to your transaction alerts and check your account activities regularly. In case of any unusual activity, please contact us immediately.
  2. If you wish to contact us, ONLY call the number on the back of your card or refer to CIMB website “Contact Us” page.
  3. Always check the URL of the website that you are making purchases from. Ensure  the “lock” icon or “https” appears on the website’s address bar.
  4. Always find a reputable seller on online marketplaces by searching for reviews from other customers to know their experience.
  5. To access CIMB Clicks, type the entire URL as follows: www.cimbclicks.com.my
  6. Always remember to log out once you have completed your banking transactions.

Please DO NOT follow these bad practices

  1. Don’t panic and give personal information to fraudsters impersonating representatives of government agencies etc. even if they deploy fear tactics. Immediately call the number on the back of your card to verify with CIMB.
  2. Never apply for personal financing through unverified links or individuals promising a lower rate. CIMB does not impose any application charges for personal financing applications.
  3. Never take instructions from anyone to change the mobile number in CIMB records to any number other than your own mobile number.
  4. When transacting online, never continue with a purchase if you have any doubts if the seller is not genuine.
  5. Never share details such as your card number / User ID / PIN / password / TAC  with anyone or key them in in any website other than CIMB Clicks.
    (Note: CIMB will never ask for  your ‘User ID’, ‘Password’ or ‘TAC’ under any circumstances outside of CIMB Clicks).
  6. Do not click on links or open email attachments from unknown / unreliable senders / sources.
    (Note: Emails from CIMB will always end with @cimb.com such as cimb.marketing@cimb.com

 

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Scam Warning : Public Bank Customers Hit By Fake SMS!

Scammers continue to target Public Bank customers, using many different kinds of fake SMS messages.

Do NOT click or call if you receive any of these fake SMS messages!

 

Public Bank : Fake SMS Scam Warning! Do NOT Click / Call!

Whether you are a Public Bank customer or not, you may receive one of these alarming SMS messages.

Please DO NOT click on the link, or call the number. JUST IGNORE THEM, or delete them.

The safest thing to do is NEVER CLICK ON A LINK in any SMS. If you need to log into your bank account, key in the website address manually.

RM0 PBB/PIBB: Your PBB account will TERMINATED on 02Dec20 01:30:00 AM. Please make verification via http://www.mypbebank.cc to avoid service interruption. Verify now keep on using PBB services.

RM0 Credit Cash out RM3,000 form card ending no 7102 successful on 01 DEC. Information system sending. Call PBB 1800-81-9566 for any query

Warning: Your account is marked as insecure, please click Return PAC immediately to confirm that it is safe to use. (https://pbevip.vip/)

PBe Your account is in a high-risk state PLS log in immediately and return the PAC to protect your account security https://www.pbebanks.top

PBe Warning: Phishing URLs are frequent recently, PLS log in immediately to strengthen account security. 2Mar21 13:14 https://se1.pbevip.top/

PB e Your account is in a high-risk by the system, PLS re-verify your account https://pbbanks.red/ <security reminder is normal>

RM0 PIBB: Thank you for using your card ending 1098@senQ MYR 2899, Pls call 03-56260232 now, if you didn’t use it

RM0 PBB/PIBB: Trx amt MYR2699.00  @LAZADA for card ending 5738. Call PB 1-800-81-2337 now if didn t perform.

PBB: Your account is judged as high risk by the system. PLS re-verify your account https://www.pbebanks.asia/ <security reminder is normal>

PB e Alarm Your banking Suit now is marked as insecure, PLS re-verify your account https://online-pbebank.com <security reminder is normal>

 

Public Bank Fake SMS Scam : What Happens If You Click?

Clicking on the links will often lead you to a phishing website, a fake website designed to look like a Public Bank website.

You will be asked to key in your personal information, including your Public Bank user name and password. DO NOT KEY IN YOUR INFORMATION!

But if you are free and want to help screw these scammers, key in fake information as many times as possible.

Note : These scams do not just affect Public Bank. In fact, all banks are affected :

 

Public Bank : How To Identify Fake SMS Messages

With a little help from Public Bank, let’s show you how to identify fake SMS messages.

If you spot any of these warning signs, BACK OFF and DO NOT PROCEED!

Warning Sign #1 : Grammatical Mistakes

Read the two SMS messages above, and you can easily spot numerous grammatical mistakes. A bank will never send such poorly worded messages to their customers.

Warning Sign #2 : Embedded Links

Banks will NEVER embed links (URLs) into the message. If you see embedded links, always think – SCAM SMS!

Warning Sign #3 : Wrong Links

And always check the link – www.mypbebank.cc is not the correct address for the Public Bank website (www.pbebank.com)

When you see any website with .cc links, be wary because the .CC domains are registered in the Cocos Islands – an Australian territory of only 14 km², with only about 600 inhabitants.

The same goes for generic, top level domains like .TOP, .VIP, .TOP, .RED.ASIA, etc.

Warning Sign #4 : No Personal Login Phrase / Picture

To avoid phishing attacks, banks now give you a secret response (like a picture or a phrase) to confirm that you are visiting their legitimate website.

If the website you are visiting gives you the wrong picture or secret phrase, you have been tricked into visiting a fake website designed to mimic the real bank website.

You should also remember that the bank website must show you secret picture or phrase right after you enter your login, but BEFORE you key in your password.

If you are asked to key in your password without the website displaying the secret phrase or picture, you have been tricked into visiting a fake website designed to mimic the real bank website.

 

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Public Bank Segambut Closed After COVID-19 Case!

Public Bank closed their Segambut branch in Kuala Lumpur, after an employee there tested positive for COVID-19!

Find out what happened, and whether you should be concerned!

 

Public Bank Segambut : Employee Positive For COVID-19!

On 15 April 2021, Public Bank announced that an employee at their Segambut branch in KL tested positive for COVID-19.

Public Bank closed their Segambut branch, for deep cleaning and sanitisation, from 16 April 2021 until further notice.

Other employees who came into close contact with the affected staff member have been placed under home quarantine.

 

Public Bank Segambut : Official Statement On COVID-19 Exposure

This was the notice Maybank posted on the COVID-19 case at their Segambut store.:

KUALA LUMPUR – Public Bank Berhad (“PBB”) confirms that one (1) of its employees from Public Bank – Segambut branch, in W.P Kuala Lumpur had tested positive for COVID-19 on 15 April 2021.

The affected branch has been temporarily closed from 16 April 2021. Deep cleaning and sanitization activities have been carried out in accordance with Kementerian Kesihatan Malaysia guidelines. As an added precaution, employees who had come into close contact with the affected employee had been placed on home-quarantine. Rest assured that we have taken all necessary precautionary measures to ensure the health and safety of our customers, employees and the community.

Customers are encouraged to perform their banking transactions online via www.pbebank.com, or download our PB engage MY mobile app.

 

Public Bank Segambut COVID-19 Infection : Do NOT Panic

Even though a branch employee was infected, you should not panic…

They are definitely tracing contacts, which is why it is important to log your movements with MySejahtera, or the physical logbook.

While banks offer physical logbooks, we highly recommend that you use the MySejahtera mobile app, because it allows for easier and faster contact tracing.

Using the MySejahtera mobile app also obviates the need to sign a physical logbook, which usually means using a shared pen – an unnecessary risk factor.

If you happen to be in that Public Bank branch when that affected employee was present, you will be contacted and asked to self-quarantine and undergo a COVID-19 screening test.

The SARS-CoV-2 virus is easily destroyed by soap, so the deep cleaning operation will definitely clean the branch of any infectious particles.

But most important of all – we need to remember to always wear a face mask in public. Face masks have been proven to prevent the spread and reduce the risk of being infected.

You should also keep physically distanced from other people, and maintain good hand hygiene.

 

COVID-19 : How To Keep Safe During CMCO!

Here are a few simple steps to stay safe :

Recommended : Soap vs Sanitiser : Which Works Better Against COVID-19?
Recommended : Surgical Mask : How To CORRECTLY Wear + Remove!
Recommended : COVID-19 Food Safety : Fruits, Vegetables, Takeouts

 

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Scammer vs Scalper : Five RTX 30 Series Cards Gone!

A scammer just cheated a scalper out of FIVE GeForce RTX 30 series cards in a COD deal!

Find out how he got cheated in a Cash-On-Delivery exchange, and learn from his mistake!

 

Scammer vs Scalper : Five RTX 30 Series Cards Gone!

Scalpers have been taking advantage of the graphics card shortage, and massive increase in GPU mining, to make a killing on every graphics card they lay their hands on.

But the high prices and massive profits associated with graphics cards have also attracted scammers, who prowl online marketplaces looking for their greedy marks…

One scalper today shared how he was cheated of five NVIDIA GeForce RTX 30 series graphics cards. What was even more shocking – he got scammed in a Cash On Delivery deal!

What Did The Scalper Lose?

The scalper lost five GIGABYTE graphics cards :

  • RTX 3070 AORUS Master (S/N : 210841066018)
  • RTX 3070 AORUS Master (S/N : lost)
  • RTX 3070 Gaming OC (S/N : 210841068841)
  • RTX 3070 Gaming OC : (S/N 210341039296)
  • RTX 3060 Gaming OC : (S/N 210441056468)

How Much Did The Scalper Lose?

We have no idea how much the deal was supposed to be, but he was quoting freaking high prices of :

  • RM4,699 (~US$1,135) for ASUS ROG Strix RTX 3060
  • RM5,500 (~US$1,329) for ASUS RTX 3060 Ti TUF Gaming

As you can tell, that is something like 2.5X more than what the cards really cost.

Based on that, we guesstimate that the entire deal was probably “worth” RM 34,000 (~US$8,200) to the scalper.

How Did The Scammer Fool The Scalper?

Here’s the interesting part – how the scammer fooled the scalper in a Cash On Delivery (COD) deal.

The scalper is not very clear about certain aspects, but from what we can gather with some investigations of our own…

  1. The scammer arranged to meet the scalper in a shopping centre, probably to gain his trust.
  2. He made an Instant Transfer, which failed. He probably set the transaction limit low.
  3. He blamed the bank transfer transaction limit, and said he would ask his wife (???) to change the limit.
  4. He then offered to transfer the money via a CIMB IBG GIRO transfer.
  5. The scammer likely initiated a Scheduled Transaction (which can be cancelled), and showed the scalper the online transaction receipt.
  6. By giving the scalper only a glance at the transaction receipt, or covering up the scheduled part of the receipt, he conveys the impression he had already transferred the money.
  7. To his credit, the scalper checked his own bank account and saw that the money was not deposited.
  8. The scammer then called the bank in front of the scalper, who confirmed that a GIRO transfer cannot be cancelled.
  9. The scammer sent the scalper a picture of his identity card and bank transaction receipt (probably through WhatsApp), to seal the deal.
  10. Once he walked away with the five graphics cards, the scammer quickly deleted the picture of his identity card and the bank transaction receipt, and cancelled the scheduled transaction.

So that was how the scalper went from potentially making a killing on his five GeForce graphics cards, to getting slaughtered by a scammer in a Cash On Delivery deal!

The scalper wondered if there was “Black Magic” involved. The truth is – the scammer used his greed to stop him from just walking away with his cards.

What Do We Know About The Scammer?

The scalper provided these details about the scammer who cheated him of his five graphics cards :

  • Surname : Ng
  • Race : Chinese
  • Identifying Features : Scar below right eye, tattoo on back of neck
  • Identity Card Number (partial) : 800831
  • State of Origin : Johor
  • Mobile Number : 013-277-6995
  • Vehicle Type : Honda HRV (Charcoal colour)
  • Vehicle Number Plate : 3553 or 5335

We have to point out that we cannot vouch for the authenticity of the scalper’s claims, or the details he shared.

 

Scammer vs Scalper : The Original Post

This was what the scalper posted on the issue :

*Scammer Alert *

Chinese Guy , Have Scar below right eye , tattoo behind neck
Beware of this person phone number 013-277-6995 Surname NG
IC No 800831, ic from Johor, Driving Honda HRV Charcoal Colour car plate could be (3553 or 5335) security doesn’t allow to take the file , too blur , i can only remember that, This person contacted me at Carousell ,mainly fishing graphic card seller in Carousell, couldn’t speak english , starting he will text in malay , He is scamming a lot of Graphic Card , Im a seller , i met him and COD at Cheras Connaught Avenue and Eko Cheras, his tactic is he will make instant transfer first , then failed, then he say he will ask his wife to change the limit , and then he will transfer you CIMB IBG GIRO transfer, and cancel it (after you leave) , i did check my bank account , money is not in, after that just in front of you he call the bank , the bank said once GIRO transfer has been made it cannot be cancel , he will ask u to snap his car plate no , but later give more excuse say that his wife drove away the car, but he came alone, im not sure is there any Black Magic ,he will keep on mentioned about his Wife he will send you the receipt and ic , he was nervous too , after he send me his ic , his uc image face was totally covered , after sending u the receipt he will quickly leave within a sec but he will delete the IC and Receipt , after the next sec you leave , so u are not able to trace him. mainly talking about mining have few farm in Seremban, and how do police trace using a thermal gun, evolving from using old bitcoin mine machine to graphic card, want to get 60 pieces, as a victim , i know that this is very stupid but I hope that no one will be the next victim after me.
5 pieces of graphic card has been scammed
rtx 3070 aorus master SN210841066018
RTX 3070 AORUS MASTER SERIES NUMBER LOST
RTX 3070 GAMING OC SN210841068841
RTX 3070 GAMING OC SN210341039296
RTX 3060 GAMING OC SN210441056468

 

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Seafood Scams On Facebook : How To Detect Them!

Seafood scams on Facebook have been proliferating recently, and Facebook just doesn’t care.

So it is up to all of us to spread the word and WARN EVERYONE about these seafood scams on Facebook.

Updated @ 2021-03-07 : Added another confirmed seafood scam page and two reported bank accounts.

Originally posted @ 2021-02-14

 

Seafood Scams On Facebook : What’s Going On?

We were first alerted to the world of Facebook seafood scams by people who were cheated by Ocean Sense and East Malaysia Seafood Agent.

These Facebook seafood scam pages have a simple modus operandi :

  • offer online seafood delivery at very attractive prices and even free delivery
  • advertise on Facebook to reach out to people, and avert Facebook’s ire
  • ghost you after you deposit money into their bank accounts
  • delete your negative comments on their Facebook page

Even though many people reported Ocean Sense and East Malaysia Seafood Agent as scam pages, Facebook declined to take action and they are STILL ACTIVE.

 

Seafood Scams On Facebook : How To Detect Them!

The problem with seafood scams on Facebook is how easily scammers create them. Even if they get banned by Facebook, they will simply create a new one.

Facebook also partly enables them to continue with their scam by ignoring reports, claiming that there is nothing on the scam pages that go against their Community Standards. Duh – as if the scammers will post on Facebook admitting that they are scammers.

So how do we detect these seafood scams on Facebook?

Step 1 : Check List Of Reported / Confirmed Seafood Scams

The first thing you should do is run a quick search online on the name of the seafood vendor. See if anyone has reported them to be a scam.

Confirmed Seafood Scams On Facebook

Multiple people have reported that these Facebook seafood vendors have cheated them :

Reported Seafood Scams On Facebook

These Facebook pages have been reported to be scam pages, but we haven’t been able to independently verify their reports :

Step 2 : Check With The Commercial Crimes Department

Next, use the Commercial Crimes Department’s website to check for bank accounts that have outstanding police reports.

For example, the CIMB 8604503834 has two outstanding police reports lodged against it.

DO NOT BANK ANY MONEY to any account flagged by the Commercial Crimes Department’s website.

Step 3 : Check List Of Reported Company + Bank Accounts

Just because a bank account has not been flagged by the Commercial Crimes Department’s website doesn’t mean it’s safe.

That’s because many people do not bother to lodge a police report, or it may be a recent scam.

Here is a list of reported company and bank accounts, which you should AVOID :

Name Bank Account
Yap Kok Keong CIMB 7635-3713-28
A&B Bintang Trading CIMB 8604-5038-34
Car Boutique Venture CIMB 8604-5267-74
GS 028 Seafood Trading CIMB 8604-5270-14
Lee Pea Ching CIMB 7075-3700-47

Step 4 : Look For An Address

Genuine seafood vendors on Facebook will share with you their address, so you can drop by and select your seafood if you wish.

But don’t just trust the address they post. Always check the address on Google Maps, and use Street View to check if the shop really exists.

Step 5 : Look For Angry Emojis

A genuine seafood vendor may have one or two angry emojis by dissatisfied customers, but scam pages will have A LOT of them.

Hover over the reaction emojis, and look at how many are positive (likes or wow), and how many are negative (angry).

Scam pages will have a lot of angry emojis because they often delete negative comments, so angry customers have only one option – show angry emojis to warn potential customers.

Step 6 : PM People With Angry Emojis

To find out for sure if this is a scam, just PM (private message) those who left an angry emoji react to the Facebook page.

That’s how we were able to confirm that Ocean Sense and East Malaysia Seafood Agent are seafood scam pages.

Step 7 : Pay Only By Credit Card / Cash On Delivery

If you are still enticed by the great offer and want to take a risk, insist on paying with a credit card, or cash on delivery.

NEVER PAY to a bank account directly, because there is simply NO PROTECTION, and NO WAY for you to get your money back.

Using a credit card protects you against fraud, because the payment is not instantly credited to the vendor.

If you did not receive the seafood you ordered, simply call up the bank and inform them. They will refund the money.

If the seafood vendor insists on a direct bank transfer and refuses even cash on delivery, it is highly likely that they are scammers.

 

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RM1K MCO Fine For Standing 0.8m Apart In Queue?

Can you really get a RM1,000 MCO fine for standing just 0.8 metres apart in a queue?

Find out what happened to Bernard He, and what the FACTS really are!

 

Claim : RM1K MCO Fine For Standing 0.8m Apart In Queue!

On 4 February, Bernard He Linjun was queuing up for his turn at cash deposit machine at a bank, when the police came to check for compliance with the MCO SOP.

The police officers took pictures at the bank, asked customers for their MyKad identity cards, and then instructed them to wait outside after using the ATM machines.

Bernard thought he was safe because he logged his visit using MySejahtera, and had queued up properly – standing inside the designated queue box.

Nevertheless, when his turn came, he was issued a RM1,000 MCO fine for not complying with the social distancing SOP!

When he questioned the police officer, he was told that while he was standing inside the marked box, they were all less than 1 metre apart.

According to the police, the boxes were only 0.8 metres apart, and the bank did not adjust their spacing even after being warned about this earlier.

As this was a technical violation of the law, they had to issue him the compound. They also fined the bank for violating the SOP.

He ended his post with the advice that people should help to warn businesses and other people about such SOP requirements, so they won’t get fined like him.

 

RM1K MCO Fine For Standing 0.8m Apart In Queue : The Facts

Some netizens have suggested that he may not be telling the truth. After all, similar claims have proven to be false in the past.

Others have also suggested that he was complaining on Facebook to gain sympathy, fame or attention.

However, Bernard was telling the truth, and here are the reasons why….

Fact #1 : He Posted A Picture Of His Compound

On 5 February 2021, Bernard posted a picture of the police compound he received.

It showed that he was, indeed, fined RM1,000 on 4 February 2021, for not complying with the social distancing SOP.

Fact #2 : There Is A 1 Metre Social Distancing Requirement In Public

There is a 1 metre social distancing requirement in public, including businesses like banks and shopping malls.

This applies throughout Malaysia, irrespective of whether the area is under RMCO, CMCO or MCO restrictions.

Even though it is hard for anyone to visually differentiate between 0.8 metre and a full metre, the police are technically correct to say that standing 0.8 metre from someone else is breaking the law.

To be safe, try to stand further away (1.5 to 2 metres) from other people. If they complain, use Bernard’s example as evidence that this is no joke.

Do also note that the social distancing rule is extended to a minimum of 3 metres for dynamic sporting activities.

Fact #3 : You Can Appeal The Decision

If you feel that the police wrongly issued the MCO fine, you can appeal it.

In Bernard’s case, he was relying on the bank to accurately space out their “social distancing boxes” for their customers.

He may not necessarily win his appeal, but he has a good reason to appeal.

After all, no one brings a measuring tape to ensure social distancing, and we all rely on marked boxes to comply with the SOP.

 

Bernard’s Posts On His RM1K MCO Fine

For those who can read Chinese, here was what Bernard He posted about how he received a RM1,000 MCO fine for not complying with the social distancing SOP :

 

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Scam Alert : East Malaysia Seafood Agent On Facebook!

There is another seafood scam page on Facebook called East Malaysia Seafood Agent (海鲜海产代理 or 东马海产代理)!

Please SHARE this scam alert, and help bring down that scam page!

 

Scam Alert : East Malaysia Seafood Agent On Facebook!

Please be warned that there is another seafood scam page on Facebook called East Malaysia Seafood Agent (海鲜海产代理 or 东马海产代理)!

It is related to Ocean Sense, another seafood scam page on Facebook.

Like Ocean Sense, East Malaysia Seafood Agent offers fresh and frozen seafood at very attractive prices, with free delivery and discounts for large purchases :

Cannada lobster
加拿大波士顿龙
Sex : mix
Size : 1.5 – 6 kg per 1
Price : 78 per kg
Take over 10KG free shipping
10公斤以上包邮

Alaska King crab fresh and huge
阿拉斯加 帝王蟹
Sex : mix
Size : 2 – 5 kg per 1
Price : 88 per kg
Take over 10KG Free Shipping
10公斤以上免邮

PM and message us for more details
Contact : 016 868 6538 Ah Yap

However, one of our readers confirmed that he was cheated by this vendor, and he shared with us the details of what happened.

Noticeably, the vendor behaved very similarly to Ocean Sense, replying in PM and deleting negative comments. That’s why the page has many Angry reacts, by people who were blocked from commenting.

 

East Malaysia Seafood Agent Scam : What Happened?

This customer ordered a large quantity of lobsters and Alaska king crabs from East Malaysia Seafood Agent, and was told to bank the money to :

Yap Kok Keong
CIMB 7634-371-328

This is the EXACT SAME person and bank account for Ocean Sense!

We checked the CIMB account number with the Commercial Crimes Department’s website, which showed that no report has been lodged against it… yet.

However, it doesn’t mean it is a safe account. At least 61 people have looked up the same number.

Oddly enough, when he asked for the bank account for the company (whose SSM record he furnished above), he issued him an invoice at a different company, and told him to bank it into “his relative’s company” instead :

Car Boutique Venture
CIMB 8604-5267-74

We checked the CIMB account number with the Commercial Crimes Department’s website, which showed that no report has been lodged against it… yet.

However, it doesn’t mean it is a safe account. At least 19 people have looked up the same number.

By this time, he was very suspicious, and decided to take a small gamble.

He said that he would bank a deposit of RM 200 into that Yap Kok Keong personal account, and pay the remainder on delivery.

As expected, he never delivered the seafood and then ghosted this customer.

 

Help REPORT East Malaysia Seafood Agent On Facebook!

Even though he reported East Malaysia Seafood Agent page as a scam to Facebook, the page is still active, and the person running this page is actively deleting negative comments.

Here is how you can help prevent more people from being scammed.

Step 1 : Report To The Police!

If you are one of those who were scammed, please report to the police ASAP.

This would help get the bank accounts blacklisted, and listed in the Commercial Crimes Department’s database.

Step 2 : Publicise The Scam!

Share this article, or the news about East Malaysia Seafood Agent, with your family and friends.

Alert your community via social media – Facebook, Twitter, WhatsApp, Telegram, etc.

Step 3 : Report The Scam To Facebook!

Facebook is quite lax about scams. They need many people to report a page as a scam before they will even bother to take action.

So follow these steps to report the East Malaysia Seafood Agent Facebook page as a scam.

  1. Go to the East Malaysia Seafood Agent Facebook page.
  2. Tap on the … menu on the upper right corner.
  3. Select Find support or Report Page.

  1. Select Fraud or Scam and Other.
  2. Click Next.

  1. Select Report Page.

  1. Tick the I believe that this goes against Facebook’s Community Standards check box.
  2. Click on the Report button.

That’s it! You have done your part in reporting a scammer.

But for this to work, many more people must report the page as a scam. So please share this out, and get your family and friends to help report them.

Facebook is very lax, and will likely claim that the page doesn’t contravene their Community Standards. But without enough reports, they will take it more seriously.

 

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Maybank Taman Malim Jaya Closed After COVID-19 Case!

Maybank closed their Taman Malim Jaya branch in Melaka, after an employee there tested positive for COVID-19!

Find out what happened, and whether you should be concerned!

 

Maybank Taman Malim Jaya : Employee Positive For COVID-19!

On 8 January 2021, Maybank announced that an employee at their Taman Malim Jaya branch in Melaka tested positive for COVID-19.

Maybank immediately closed their Taman Malim Jaya branch, including their self-service terminals (SST) for deep cleaning and sanitisation, from 8 January 2021 until further notice.

Maybank customers should proceed to Maybank Islamic Melaka in Bukit Baru, or Maybank Cheng in Taman Cheng Baru, for their banking needs.

 

Maybank Taman Malim Jaya : Official Statement On COVID-19 Exposure

This was the notice Maybank posted on the Taman Malim Jaya branch closure over COVID-19 exposure :

 

Maybank Taman Malim Jaya COVID-19 Infection : Do NOT Panic

Even though a branch employee was infected, you should not panic…

They are definitely tracing contacts, which is why it is important to log your movements with MySejahtera, or the physical logbook.

While banks offer physical logbooks, we highly recommend that you use the MySejahtera mobile app, because it allows for easier and faster contact tracing.

Using the MySejahtera mobile app also obviates the need to sign a physical logbook, which usually means using a shared pen – an unnecessary risk factor.

If you happen to be in that Maybank branch when that affected employee was present, you will be contacted and asked to self-quarantine and undergo a COVID-19 screening test.

The SARS-CoV-2 virus is easily destroyed by soap, so the deep cleaning operation will definitely clean the branch of any infectious particles.

But most important of all – we need to remember to always wear a face mask in public. Face masks have been proven to prevent the spread and reduce the risk of being infected.

You should also keep physically distanced from other people, and maintain good hand hygiene.

 

COVID-19 : How To Keep Safe During CMCO!

Here are a few simple steps to stay safe :

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Recommended : Surgical Mask : How To CORRECTLY Wear + Remove!
Recommended : COVID-19 Food Safety : Fruits, Vegetables, Takeouts

 

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Maybank TTDI Closed After COVID-19 Exposure!

Maybank closed their TTDI (Taman Tun Dr Ismail) branch, after an employee there was confirmed to be in close contact with a COVID-19 patient under investigation!

 

Maybank TTDI : COVID-19 Exposure?

On 6 January 2021, Maybank announced that an employee at their TTDI branch at Lorong Rahim Kajai 14 was confirmed to be in close contact with a COVID-19 patient under investigation.

Even though the close contact happened outside of the branch, Maybank closed their TTDI branch, for cleaning and sanitisation, until further notice.

The self-serviced terminals (SST), which was closed for one day for cleaning and sanitisation, will be available for use from 7 January 2021 onwards.

 

Maybank TTDI : Official Statement On COVID-19 Exposure

This was the notice Maybank posted on the TTDI branch closure over COVID-19 exposure :

 

Maybank TTDI COVID-19 Infection : Do NOT Panic

Even though it is possible that one of the branch employees was infected, you should not panic…

They are definitely tracing contacts, which is why it is important to log your movements with MySejahtera, or the physical logbook.

While banks offer physical logbooks, we highly recommend that you use the MySejahtera mobile app, because it allows for easier and faster contact tracing.

Using the MySejahtera mobile app also obviates the need to sign a physical logbook, which usually means using a shared pen – an unnecessary risk factor.

If you happen to be in that Maybank branch when that affected employee was present, you will be contacted and asked to self-quarantine and undergo a COVID-19 screening test.

The SARS-CoV-2 virus is easily destroyed by soap, so the deep cleaning operation will definitely clean the branch of any infectious particles.

But most important of all – we need to remember to always wear a face mask in public. Face masks have been proven to prevent the spread and reduce the risk of being infected.

You should also keep physically distanced from other people, and maintain good hand hygiene.

 

COVID-19 : How To Keep Safe During CMCO!

Here are a few simple steps to stay safe :

Recommended : Soap vs Sanitiser : Which Works Better Against COVID-19?
Recommended : Surgical Mask : How To CORRECTLY Wear + Remove!
Recommended : COVID-19 Food Safety : Fruits, Vegetables, Takeouts

 

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Maybank Alor Setar Main Closed After COVID-19 Exposure!

Maybank closed their Alor Setar Main branch today, after an employee there was confirmed to be in close contact with a COVID-19 patient under investigation!

 

Maybank Alor Setar Main : COVID-19 Exposure?

On 7 January 2021, Maybank announced that an employee at their Alor Setar Main headquarters at Jalan Sehala was confirmed to be in close contact with a COVID-19 patient under investigation.

Even though the close contact happened outside of the branch, Maybank closed their Alor Setar Main branch, for cleaning and sanitisation, until further notice.

As a precautionary measure, Maybank closed their Alor Setar Main headquarters, excluding its self-service terminals, for cleaning and sanitisation, until further notice.

 

Maybank Alor Setar Main : Official Statement On COVID-19 Exposure

This was the notice Maybank posted on the Alor Setar Main branch closure over COVID-19 exposure :

 

Maybank Alor Setar Main COVID-19 Infection : Do NOT Panic

Even though it is possible that one of the branch employees was infected, you should not panic…

They are definitely tracing contacts, which is why it is important to log your movements with MySejahtera, or the physical logbook.

While banks offer physical logbooks, we highly recommend that you use the MySejahtera mobile app, because it allows for easier and faster contact tracing.

Using the MySejahtera mobile app also obviates the need to sign a physical logbook, which usually means using a shared pen – an unnecessary risk factor.

If you happen to be in that Maybank branch when that affected employee was present, you will be contacted and asked to self-quarantine and undergo a COVID-19 screening test.

The SARS-CoV-2 virus is easily destroyed by soap, so the deep cleaning operation will definitely clean the branch of any infectious particles.

But most important of all – we need to remember to always wear a face mask in public. Face masks have been proven to prevent the spread and reduce the risk of being infected.

You should also keep physically distanced from other people, and maintain good hand hygiene.

 

COVID-19 : How To Keep Safe During CMCO!

Here are a few simple steps to stay safe :

Recommended : Soap vs Sanitiser : Which Works Better Against COVID-19?
Recommended : Surgical Mask : How To CORRECTLY Wear + Remove!
Recommended : COVID-19 Food Safety : Fruits, Vegetables, Takeouts

 

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Alliance Bank : 5 Branches Closed After COVID-19 Exposure!

Alliance Bank shut down 5 branches after at least three employees were confirmed to be positive for COVID-19.

Find out what happened, and whether you should be concerned!

 

Alliance Bank : At Least Three Employees Positive For COVID-19

Alliance Bank closed these five branches / offices after at least three employees tested positive for COVID-19.

  • Alliance Bank Jalan Ipoh, Kuala Lumpur
  • Alliance Bank direct marketing office at Jalan Ipoh, Kuala Lumpur
  • Alliance Bank Star Boulevard KLCC, Kuala Lumpur
  • Alliance Bank Jalan Gaya, Kota Kinabalu, Sabah
  • Alliance Bank lending hub in Puchong Jaya, Selangor

All five branches will remain closed for sanitisation, until further notice.

At least three Alliance Bank employees are known to be positive for COVID-19 :

  • Employee 1 worked at the Puchong Jaya lending hub, and was last at work on 22 December 2020.
  • Employee 2 worked at the Jalan Ipoh branch, and visited the Star Boulevard branch. This employee was last at work on 24 December 2020.
  • Employee 3 worked at the direct marketing office, and was last at work on 28 December 2020.

Alliance Bank did not mention why their Jalan Gaya branch in Kota Kinabalu, Sabah, was also closed for sanitisation.

It could have been due to infected employee(s), or an exposure to a customer with COVID-19.

 

Alliance Bank COVID-19 Exposure : Do NOT Panic!

Even though quite a number of Alliance Bank branches were affected, you should not panic…

They are definitely tracing contacts, which is why it is important to log your movements with MySejahtera, or the physical logbook.

While banks offer physical logbooks, we highly recommend that you use the MySejahtera mobile app, because it allows for easier and faster contact tracing.

Using the MySejahtera mobile app also obviates the need to sign a physical logbook, which usually means using a shared pen – an unnecessary risk factor.

If you happen to be in close contact with any of those affected Alliance Bank employees, you will be contacted and asked to self-quarantine and undergo a COVID-19 screening test.

The SARS-CoV-2 virus is easily destroyed by soap, so the sanitisation operations will definitely clean the branches of any infectious particles.

But most important of all – we need to remember to always wear a face mask in public. Face masks have been proven to prevent the spread and reduce the risk of being infected.

 

COVID-19 : How To Keep Safe During CMCO!

Here are a few simple steps to stay safe :

Recommended : Soap vs Sanitiser : Which Works Better Against COVID-19?
Recommended : Surgical Mask : How To CORRECTLY Wear + Remove!
Recommended : COVID-19 Food Safety : Fruits, Vegetables, Takeouts

 

Recommended Reading

Go Back To > BusinessHome

 

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If you like our work, you can help support us by visiting our sponsors, participating in the Tech ARP Forums, or even donating to our fund. Any help you can render is greatly appreciated!

Scam Alert : Bank Negara Malaysia Scam Email!

Bank Negara Malaysia is warning the public about an email scam using their board member to scam victims of their money!

Find out what this Bank Negara email scam involves, and make sure you WARN your family and friends!

 

Bank Negara Malaysia Email Scam : Watch Out For It!

You may have received this email purporting to be from Chin Suit Fang, a Bank Negara Malaysia board member, and Chairman of the Board Audit Committee.

It warns you that you have just 48 hours to address an outward payment from your bank account (not necessarily RHB), or Bank Negara Malaysia will freeze your account for investigations.

Bank Negara Malaysia confirmed that this is a fake scam email, even though Chin Suit Fang is really on the Board of Directors for BNM, and that’s really her photo.

 

Bank Negara Malaysia Email Scam : Why It’s Fake

For those who want to learn more how to spot such email scams, and specifically why this Bank Negara Malaysia email is a scam, here are the details :

Tip #1 : Check The Email Address

If you check the email address, you will see that it’s from BNM.gov.my@banknegaramalaysia.onmicrosoft.com.

That is not a valid Bank Negara Malaysia email account, which always ends with @bnm.gov.my.

Tip #2 : Do You Really Have That Much Money?

It is impossible for Bank Negara Malaysia to question you over such a large transfer when you don’t have that much money in the bank in the first place!

Tip #3 : Did You Really Transfer That Much Money?

If you really have that much money, did you really transfer so much out?

First thing to do is NOT to respond to the email, or click on any link.

No, the first thing you should do is check your bank account. If there has been no such transfer, the email is evidently false.

Tip #4 : Bank Transfers Are Generally Limited To RM50K A Day

Unless you performed the transfer over-the-counter at the bank, and submitted a Bank Negara Malaysia declaration form, it is simply impossible to transfer more than RM50,000 a day.

Online transfers are limited to just RM50,000 a day, and in some cases, to just RM20,000 a day.

Tip #5 : Bank Negara Malaysia Directors Will Not Email You 

Even if you are in the habit of transferring half a million ringgit to other people (call me please?), Bank Negara Malaysia will not email you to ask you about it.

If they require you to submit documents, you can be assured that it will be by an official letter.

Even if you are a famous personality or a politically significant person, no Bank Negera Malaysia director is going to write you an email.

Do you really think it is the job of a BNM director to write demand letters?

Tip #6 : Why Would They Include Their Personal Picture?

Why on Earth would any person include their personal picture in an official email?

Heck, do YOU even include a picture of yourself in your emails to your family and friends? Of course, not!

The only reason why scammers do this is to trick you into believing that this is really an email from a Bank Negara Malaysia director.

Tip #7 : Look At The Horrendous Grammar

The email isn’t even well-written, with bad grammar and odd capitalisation of various words.

Is this the kind of email a Bank Negara Malaysia director would pen? Seriously?

No, this is the kind of English that is written by someone with a poor command of the English language.

 

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WhatsApp Payments : How Does It Work?

WhatsApp just rolled out digital payments in Brazil! It is a good look at what could eventually be rolled out across the world – WhatsApp Payments!

 

WhatsApp Payments : What Is It?

On 16 June 2020, WhatsApp started rolling out digital payments to their users and businesses in Brazil.

By leveraging the recently-announced Facebook Pay, it allows WhatsApp users to send money, or pay for their purchases, directly through the app.

It also allows WhatsApp Business users to receive money or payments for their products or services.

 

WhatsApp Payments : Is That The Official Name?

They did not reveal an official name, calling it either digital payments on WhatsApp or simply payments on WhatsApp.

It could become WhatsApp Pay, like the recently-launched Facebook Pay, or Apple Pay and Samsung Pay. Or it could be just Facebook Pay on WhatsApp.

But right now, for simplicity, we will use the placeholder name – WhatsApp Payments.

 

WhatsApp Payments : Cost + Limits

This is one of the first things people will want to know – is it FREE?

Well, it is free for WhatsApp users to send or receive money through WhatsApp, subject to these limits (for Brazil) :

  • Sending limit : 1000 BRL per transaction (approx. US$196 / £155 / S$272 / A$282 / RM 837)
  • Receiving limit : 20 transactions per day, or 5000 BRL per month (approx. US$977 / £775 / S$1361 / A$1412 / RM 4,181)

If you need to exceed that limit, you need to register for a WhatsApp Business account, which lets you accept unlimited payments, and credit card payments.

However, you will need to pay a flat 3.99% processing fee, irrespective of the payment sum.

In addition, WhatsApp insists that free transfers are strictly restricted to “personal transfers between friends and family”.

All businesses, even very small ones who do NOT exceed those limits, must also use WhatsApp Business and pay the 3.99% processing fee.

Otherwise, they risk the blocking of their personal account, if WhatsApp catches them receiving payments.

 

WhatsApp Payments : How Does It Work?

WhatsApp currently restricts access to their setup methods to users in Brazil, but from what we can tell – here is basically how WhatsApp Payments work.

Setting It Up The First Time

  1. Install WhatsApp and setup your WhatsApp account, if you have not already done so.
  2. Sign up for a Facebook Pay account, if you have not already done so.
  3. Create and verify your 6-digit Facebook Pay PIN.
  4. If you wish to use your fingerprint to authenticate payment, select the Use Fingerprint option.
  5. Key in your full legal first and last names and your CPF (identity card number)
  6. Add and verify at least one supported debit / debit-enabled combo card. You can add a credit card, but they can only be used to pay businesses.

To Make Payments On WhatsApp

  1. Open a chat with the person or business you wish to send money to.
  2. Tap the Attach (paperclip) icon, and select Payment.
  3. Key in the amount you wish to send.
  4. Authenticate the payment using the 6-digit Facebook Pay PIN or your fingerprint.
  5. The money will be transferred to the recipient, and you will both receive notifications in the chat window.

 

WhatsApp Payments : What Cards Are Supported?

Currently, WhatsApp will support these Visa / Mastercard debit or credit cards in Brazil :

  • Banco do Brasil
  • Nubank
  • Sicredi

 

WhatsApp Payments : How Secure Is It?

To assure everyone that their transactions are secure, WhatsApp listed these security and privacy steps :

  • Encryption between your phone and WhatsApp servers keeps your payment information secure.
  • Advanced data storage contains multiple layers of hardware and software protection.
  • Facebook Pay PIN protection and device biometrics adds extra security before sending money.
  • You can only send money from your WhatsApp account once you have provided the correct debit or credit card information and verified that you’re the authorized user.

 

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THREE Fake CIMB Bank Call + SMS Scams!

Scammers are now targeting Malaysians with THREE fake CIMB Bank scams regarding online or credit card payments.

Please SHARE this scam alert with your family and friends, so they won’t get cheated!

 

THREE Fake CIMB Bank Call + SMS Scams!

Due to the COVID-19 lockdown, many Malaysians are now purchasing more online, and paying for those purchases with their credit cards.

This has attracted scammers who are now targeting both online purchasers and credit card users. In these new scams, they are pretending to be CIMB Bank.

Scam #1 : Credit Card Payment Authorisation

In this scam, the scammers used an automated call system with the number +113818415.

After you accept the call, a pre-recorded message will ask you to verify that you have just charged RM XXXX to your credit card, with these options :

  • Press 1 to accept the charge to your credit card
  • Press 2 to speak to a CIMB bank officer

Needless to say, when you opt to speak to a bank officer (fearing that you are a victim of a hacking attempt), the scammer will now convince you to transfer your money from your bank account to the bank’s account for “safe keeping”.

There is no such thing. Banks will NEVER ask you to transfer money out of your account. If they suspect fraud, they can simply disable your credit card, and deny payment to the merchant.

Scam #2 : Outstanding Credit Card Debt

In a different version of the first scam, the automated call system used a mobile number – +6012-22452090.

This time, the pre-recorded message will inform you that you owe RM XXXX on your CIMB Bank credit card.

Again, you will be offered the opportunity to speak with a CIMB Bank officer – the scammer – who will try to convince you to pay the money into a different account, or give him / her your login details.

A real bank officer will NEVER ask you to transfer money to a different bank account, or request for your login details. If you have outstanding credit card debt, the bank will just charge you interest on it.

Scam #3 : Online Purchase Warning

Happening concurrently with the scam calls is this CIMB Bank SMS scam campaign.

You may receive something like this, which looks like a genuine SMS from CIMB Bank informing you about a charge to your credit card.

 

Of course, the mobile number – +6013-688-1813 is a dead giveaway for those who are alert. But at a glance, it looks genuine enough.

If you call the scam number – 1800-81-9767, you will be connected to the scammer, who will then try to convince you to transfer money from your bank account to a CIMB Bank account for “safe keeping”.

Just like in the first scam example, no bank will ever ask you to transfer money out of your own bank account. Even if they suspect fraud, they can simply lock your account.

And again, if they suspect your credit card has been misused, they can simply disable your credit card, and deny payment to the merchant.

 

Warn Everyone About Bank Scams!

Such scams, whether they are from CIMB Bank or any other bank, has the potential to cost the victim A LOT OF MONEY.

So please warn your family and friends about these scams. Share this article as widely as possible.

And if you receive a similar call, please report it to Maybank, Bank Negara and the police.

Here are different bank scams that you may want to be alert about :

 

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Ji Shan Foundation : New Charity Scam Exposed!

Ji Shan Foundation is yet another fake charity misusing photos of sick children and a sob story to CHEAT you of your hard-earned money!

Please help us TAKE THEM DOWN, and SHARE THIS ARTICLE so others won’t get cheated too!

 

Ji Shan Foundation Charity Scam

Ji Shan Foundation is a charity scam that recently posted this fake call for contributions :

[My sister and brother are suffering from leukaemia] [Complications from a cold] [#DuringMCO, cannot give up no matter how difficult] [Treatment costs are urgent and families cannot support]

Those who wish to donate can donate the money to your dad’s account:
Name: Sim Zhi Yew (Shen Zhiyao)
CIMB BANK : 【7073855324】

Patient Profile:
Name: Shen Jiaqi [7 years old] Shen Zihao [5 years old] Gender: Female / male
Address: Kelantan
Condition: Acute lymphocyte leukemia

Note : We added the Scam overlay to avoid further abuse of the picture.

 

Ji Shan Foundation Charity Scam Exposed!

This scam is actually an old RECYCLED scam. It was first posted in March 2019, the same day the Ji Shan Foundation Facebook page was created.

At that time, the Ji Shan Foundation scam urged people to donate to a different “father” – Chai Kok Weng, with a different set of photos.

That same scam was updated on 16 April 2020 to change the name of the benefactor to Sim Zhi Yew, with a different bank account!

Ji Shan Foundation STOLE the photos from Lim Ek who posted those photos on 4 December 2019.

As you can see in his post, his two children were admitted to the Parkcity Medical Centre for Influenza A (H1N1), not leukaemia.

 

 

Sim Zhi Yew + Chai Kok Weng : Known Charity Scammers

Both Sim Zhi Yew and Chai Kok Weng have been reported as charity scammers for some time now.

They are currently in the list of 79 reported charity scammers in Malaysia, with the following bank accounts.

  • Sim Zhi Yew : Public Bank 6482344412CIMB 7073855324
  • Chai Kok Weng : RHB 10809800162232

Recommended : Charity Scam : Current List Of 79 Reported Scammers!

 

Ji Shan Foundation Charity : REPORT THEM!

Despite people reporting the Ji Shan Foundation charity page for over a year now, Facebook has left them alone.

It looks like it will take A LOT of people reporting them before Facebook will do anything. You can help take them down by reporting their page as Fraud or scam :

 

Charity Scam : How To Avoid It?

While many of us want to help people in need, you should NEVER send money to a charity that you have not first verified to be a genuine charity.

You should certainly NOT send money to any person, without first confirming that he/she really needs the money for that critical surgery or medication.

It doesn’t matter if you are just sending a small token sum. Even ringgit / dollar you send them quickly becomes a substantial amount, and worse, encourages them to create new charity scams.

In Malaysia, you can also use this Commercial Crime Investigations Division page* to check if a bank account number or telephone number has been reported to the Royal Malaysian Police.

* However, please note that the CCID database is not comprehensive, because scammers can easily change their bank accounts and telephone numbers. Also, many victims are unaware they were scammed, and thus never reported them to the police.

The safest thing to do is NOT to send anyone money. Visit them directly to ascertain their authenticity, and donate directly to them.

 

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SAP Experience 2019 – An Intelligent Enterprise Conference

Held in the Land of Smiles, SAP Experience 2019 was an exclusive look at how key Southeast Asian companies are digitally transforming themselves into intelligent enterprises, with a focus on the experience economy.

Join us for an inside look at what went on at SAP Experience 2019, and hear from SAP and leading business leaders on how businesses can win in the experience economy!

 

What Is SAP Experience 2019 All About?

SAP 2019 is an SAP-sponsored conference on the digital transformation of intelligent enterprises to take on the challenges of the experience economy.

They invited business leaders from across the APJ region, from leading companies like Zuellig Pharma, Standard Chartered Bank and Troo.

It also served as SAP’s springboard to announce the selection of Qualtrics EmployeeXM by Ananda Development, a leading Thai real estate developer.

They also announced that SingEx Holdings selected S/4HANA Cloud to power their Global Finance System.

 

SAP Experience Talk #1 : Leading The Experience Economy

Scott Russell, President of SAP APJ, spoke on the future of Asia, specifically on how companies here are leading in the experience economy.

 

SAP Experience Talk #2 : The Future of the Enterprise

Claus Andresen (President and Managing Director of SAP SEA) spoke on The Future of the Enterprise, specifically when it comes to the Experience Economy.

Then Rudy Abrahams (Vice President of Digital Transformation Office, SAP SEA) demonstrated the power of Qualtrics’ experience management capabilities, and how they can help companies improve the experience of their customers.

 

SAP Experience Talk #3 : The Future of Supply Chain Finance

Hear from Lisa Robbins, the Global Head of Transaction Banking of Standard Chartered Bank, on the future of supply chain finance.

 

SAP Experience Talk #4 : The Future of Digital Insurance

Speaking on the future of digital insurance was Hans van Wuijckhuijse, the Chief Operating Officer and Chief Technology Officer of Troo, a life insurance joint venture of Ageas – Belgium’s largest insurer and the East West Bank, one of the largest banks in the Philippines.

 

SAP Experience Talk #5 : The Future of Retail

Ronald Lee, the Project Director of City Mart Holding – an icon of Myanmar’s retail industry with over 200 stores and 8500 employees – speak on the future of retail, in a world that’s increasingly moving towards online purchases.

 

SAP Experience Talk #6 : Futureproofing The Pharma Supply Chain

Daniel Laverick, Head of SAP and IT Solutions at Zuellig Pharma, addresses a critical problem affecting the pharmaceutical industry – counterfeit medicine – with a blockchain solution.

The same solution can also address their other issues, like cross-border trading and product recalls, with greater efficiency and more importantly, transparency.

 

SAP Roundtable : The Future of Work

The main event ended with a roundtable on The Future of Work. Hosted by Cynthia Quah, Vice President of SAP SuccessFactors SEA, it featured :

  • Catherine Ee Ling, Head of Talent Acquisition, Learning & Development, National University of Singapore
  • Ho Seng Chee, Chief Work & Culture Officer, JustCo
  • Vanee Bijayendrayodhin, Chief People Officer, Ananda Development

 

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Change Retail Banking Through The HSBC Openlab Innovation Challenge!

From now until June 2019, HSBC Bank Malaysia Berhad is hosting the first ever HSBC Openlab Innovation Challenge to attract new talents, startups, designers, digital innovators and developers from all industries with innovative digital ideas to solve real-life retail banking challenges. 

Be it re-thinking existing banking propositions by building a disruptive digital banking alternative, or re-designing banking processes by leveraging rich data, better UI/UX, and real time risk assessment, or even re-inventing customer engagement through the digitisation of customer service participants of the HSBC Openlab Innovation Challenge 2019 are given the opportunity to work on their ideas using an openlab sandbox to create a working prototype of their solution. 

 

The HSBC Openlab Innovation Challenge 2019

 Different from a traditional Hackathon model, the HSBC Openlab Innovation Challenge 2019 allows participants to work on their solutions from the comfort of their own home/ office and provides them with access to a live sandbox openlab that has 200 Application Programming Interfaces (APIs), software development kit, as well as synthetic data to help them build their prototype. 

Once shortlisted, participants will then present their solutions to a panel of judges. The ideas will be evaluated based on several criteria including relevance to the problem statement, solution completeness/ workability as well as the uniqueness of the solution. 

Tara Latini, Country Head, Retail Banking and Wealth Management HSBC Malaysia said, “Malaysia is the first market where HSBC launches such a challenge and this clearly demonstrates the Bank’s commitment to the nation and its talented community of digital innovators. “

“As a global organisation which operates in 66 countries and territories, we at HSBC understand that digitisation is changing financial services at a rapid pace. We see that many of the current banking products, services and processes can be made better and faster via digitisation, better UI/UX and creative use of data. Therefore, through the HSBC Openlab Innovation Challenge, we aim to revolutionise the way financial products and services are designed and delivered to our valued customers,” she added. 

For this Challenge, the openlab software platform is made available to all contestants. Openlab is a sandbox with software development kits, application program interfaces and datasets that facilitate new use case development and proof of concepts.

Supported by technology provider Open Banking Project (https://www.openbankproject.com/), openlab aims to enhance collaboration between businesses and technologists. 

The HSBC Openlab Innovation Challenge is a great opportunity to showcase your talents, learn new skills, gain exposure to the banking and fintech industry, grow your network through meeting new people including industry experts, and build your business by kick-starting your idea. On top of all these, you and your team who create the code, apps or other intellectual properties get to own all the intellectual rights. 

What are you waiting for? Register your team now and stand to win attractive cash prizes for the best digital innovations: the first prize is RM8000, the second prize is RM6000 and the third is RM4000. 

For registration and more details, visit https://www.eventbrite.com/e/openlab-hsbc-tickets-60266606041?aff=ebdshpsearchautocomplete. The team registration closes on 5 May 2019. Shortlisted teams will be notified accordingly. 

 

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Can You Hack It : Hong Leong Bank Hackathon Details!

If you are a programmer looking to join the FinTech and banking sectors, here is your chance! Hong Leong Bank just announced the second Can You Hack It hackathon! Here are the full details!

 

Can You Hack It : A Hong Leong Bank Hackathon!

Can You Hack It is Hong Leong Bank’s way of discovering and seeking out fit-for-hire participants with a knack for solving problems and digital innovation. During this 24-hour hackathon, participants will have the chance to explore the limits of their imagination in the field of financial products and banking services.

In addition to RM 15,000 in cash prizes, participants will get the chance to get hired by Hong Leong Bank, or even receive funding and support for their projects!

Held in collaboration with JomHack Malaysia, Google Cloud and Rakuten RapidAPI, Can You Hack It seeks to reward individuals and teams who demonstrate innovation and ideas for better banking through the use of shared APIs.

At the end of the 24-hour hackathon, individuals and teams participating in Can You Hack It will demonstrate their working prototypes to a panel of key HLB executives and observers from the local digital industry and VC scene.

 

Can You Hack It Details

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Date : To be held on 27 and 28 April 2019

Venue : Menara Hong Leong in Damansara City, Selangor

Prizes : RM15,000 in cash, potential employment opportunities and even further funding and support for incubator or accelerator programmes for promising projects

Judges : Key Hong Leong executives, and observers from the local digital industry and VC scene       

 

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Maybank MAE e-Wallet Details + Promotions Revealed!

Maybank just introduced MAE, a new e-wallet, which promises to offer a new customer experience. Let’s take a look at what Maybank MAE offers, as well as its introductory promotions!

 

The Maybank MAE e-Wallet

The Maybank MAE e-Wallet was launched in Kuala Lumpur today by Maybank Group President & CEO, Datuk Abdul Farid Alias, Group CEO Community Financial Services, Dato’ John Chong and Head of Virtual Banking & Payments, Kalyani Nair.

The Maybank MAE e-Wallet account is created and operated out of the Maybank app. This makes it easier for Maybank customers to quickly and easily set-up their MAE accounts. In fact, you can open a MAE account inside the Maybank app in just 5 minutes!

MAE is based on the Maybank banking payment infrastructure. This means you can top-up your MAE account through Maybank2U, Interbank Transfer, Self Service Terminals or Over The Counter (OTC). It also allows topping up from other banks via FPX and debit cards.

Easy Transfers

Maybank MAE allows you to easily transfer money into, and out of, the MAE e-wallet. Using the same Maybank app, you can also perform instant transfers, ATM services, bill payments and prepaid reloads.

Easy Purchases

MAE also allows you to directly purchase movie tickets (currently only from MBO, with TGV in the pipeline), and flight tickets. You can also pay for goods and services using QRPay.

Split Bill

MAE has a very useful Split Bill feature that lets you split up the bill (in separate or equal amounts) and request money from your friends. It will also remind and notify your friends, in case they forget, and let them pay you directly using their Maybank App.

Virtual Visa Debit Card

Your Maybank MAE account also services as a virtual Visa debit card. This allows you to shop online even if you do not have an existing credit or debit card. You can also use this virtual debit card at point-of-sale terminals using Maybank Pay or Samsung Pay.

 

Maybank MAE Promotions

To promote the use of MAE, Maybank created Money MAE-Hem, a game for MAE customers. Built into the app, it allows you to collect coins that will be credited into your account as cash! Just don’t click on the ballons which will end the game!

In addition, Maybank has a Scan and Win campaign, where you need to look out for, and scan, MAE QR codes. Here is a little gift from us. We are sharing with you this special QR code, which you can use without limit, to get FREE CASH!

All we ask is that you use our referral code aws0702 when you create your MAE account.

All you have to do, after creating your MAE account, is to use the QRPay scanner on the lower right corner of the MAE account, to scan the QR code above.

You will automatically receive free money on the first try. Subsequently, you can randomly win cash. There is (currently) no limit to how many times you can scan the QR code above, so keep trying!

 

Where To Download Maybank MAE?

Maybank MAE runs on the Maybank MY app, which is available in the Google Play Store and the Apple App Store.

Do use our referral code aws0702 when you create your MAE account. We won’t get any money, but we will have some fun playing Money MAE-Ham! 😀

 

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Hong Leong Bank To Use IBM Watson’s Cognitive Banking

These days, organisations have to disrupt themselves before they get disrupted by the various startups. The financial institutions are not shielded from the threat of the various disruptors in the market today. FinTech is one area which the financial institutions are beginning to embrace.

In Malaysia, Hong Leong Bank started the ball rolling today by partnering with IBM Watson to introduce cognitive banking. Specifically, they are leveraging on IBM Watson’s cognitive technology which would function as an online customer self-service advisor with 24/7 support for cardholder enquiries, as well as an internal service supporting the Bank’s call center service advisors.

(From Left to Right) Dominic Mascrinas, Chief Operating Officer, Group Strategic Support of Hong Leong Bank, Edward Pinto, Chief Operating Officer, Customer Experience & Analytics of Hong Leong Bank Berhad, Chong Chye Neo, Managing Director of IBM Malaysia and Hong Kok Cheong, Country General Manager, IBM Software Group exchanging agreements during the Signing and Document Exchange Ceremony.

Think of it as your banking ‘Siri’. IBM Watson cognitive learning system is not based on a database of predefined questions and answers but a database which will constantly learn from the various engagements with the customers to improve on its future interactions with the customers.

[adrotate banner=”4″]IBM Watson claim that the system can even interpret the tone of voice of its customers which will be crucial in managing the customer’s queries. This technology has already proven itself in the healthcare industry through the IBM Watson Health program and is set to make its mark in the banking industry.

If all goes well, IBM Watson will be integrated into Hong Leong Bank’s customer engagement model within the next 4-6 months. Customers should be able to expect an improved customer service experience including a shorter call waiting time.

Such is the prowess of IBM Watson processing capabilities that Chong Chye Neo, IBM Malaysia Managing Director claimed that it could process 500 GB of data in a second which is equivalent to 1 million books.

Meanwhile, Edward Pinto, the Chief Operating Officer for Customer Experience & Analytics said that the initiative forms an important part of Hong Leong Bank’s overall digitization blueprint.

Through IBM Watson, Hong Leong Bank customers will have round-the-clock access via online live chat to information about general credit card terms, policies, and procedures, as well as to find the most suitable card to match their lifestyle needs.