Tag Archives: eWallet

Free Galaxy Ride : How To Get Free RM5 TNG Credit!

Find out how to get the free RM5 TNG eWallet credit through Samsung Malaysia’s Free Galaxy Ride offer!

 

Free Galaxy Ride : Get Free RM5 TNG Credit!

On 29 February 2024, Samsung Malaysia officially took over the Tun Razak Exchange (TRX) Samsung Galaxy MRT Station – Malaysia’s largest underground interchange station. This brand takeover integrates Samsung into the network of 29 stations on the MRT Kajang and Putrajaya lines, on which over 220,00 daily riders make their daily commute.

In conjunction with its takeover of the TRX Samsung Galaxy MRT station, Samsung Malaysia is giving Samsung Galaxy users free RM5 TNG credit, which you can then use to purchase the RM5 MyCity Pass to get unlimited rides on the MRT for a whole day!

If you have not experience the convenience of using the MRT to get to The Exchange TRX mall, give it a try, and grab the free RM5 TNG credit from the Samsung Experience Store while you are there!

Recommended : Samsung Galaxy S24 Ultra Review : Tech ARP Editor’s Choice!

 

Free Galaxy Ride : How To Get Free RM5 TNG Credit!

Here is what you need to know about Samsung Malaysia’s Free Galaxy Ride offer.

Location

The Free Galaxy Ride offer is only available at the Samsung Experience Store at The Exchange TRX Mall, from 10 AM to 10 PM daily.

Availability

The Free Galaxy Ride offer is only valid for the first 5,000 Samsung Galaxy users on a first come, first serve basis, from 29 February until 17 March 2024.

Eligibility

The Free Galaxy Ride offer is only applicable to Samsung Members who are Malaysian citizens, and residents of Malaysia, who are 18 years and above (as of 29 February 2024), based on the Malaysian MyKad or passport.

This offer is not applicable to Samsung employees, dealers, or agents, or their families, as well as anyone connected to this Promotion.

How To Get Free RM5 TNG Credit

Please follow these steps to get your free RM5 TNG credit through the Samsung Free Galaxy Ride offer.

Step 1 : Visit the Samsung Experience Store at TRX Mall, and look for the Free Galaxy Ride crew.

Step 2 : Comment “I want a Free Galaxy Ride” with the hashtags #GalaxyAI and #GalaxyS24 on this Galaxy Free Ride Facebook post.

Step 3 : Scan the QR code provided by the Samsung crew to redeem a voucher on your Samsung Members app.

Step 4 : Download the redemption voucher from your Samsung Members app, and present it to the event crew.

Step 5 : You will receive a RM5 TNG reload code, which you can then use to top up your TNG eWallet.

Please note that each Samsung Galaxy user is only entitled to one (1) redemption.

 

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

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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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Touch ‘n Go eWallet To Charge 1% Fee For Credit Card Reloads!

TNG Digital just announced a 1% fee for all credit card reloads to the Touch ‘n Go eWallet! Here is what you need to know…

 

Touch ‘n Go eWallet To Charge 1% Fee For Credit Card Reloads!

TNG Digital just announced a 1% fee for all credit card reloads to the Touch ‘n Go eWallet, from 24 February 2024 onwards!

Touch ‘n Go eWallet users will have to switch to DuitNow Transfer, and debit card, for their reloads.

TNG Digital say that it made this move to reduce the high cost of credit card reloads that it has been subsidising all this while, and to curb the cashing out of the credit card reloads to bank accounts.

This move is to curb excessive cashing out of credit card balance to bank accounts and offset the heavy cost of credit card reloads which TNGD has been subsidising since its inception.

Users are encouraged to use bank transfers via DuitNow which has exactly the same process as fund transfer among bank accounts.

– TNG Digital CEO Alan Ni

TNG Digital had earlier reduced the amount of credit card reloads that Touch ‘n Go eWallet users can transfer to their bank accounts. In March 2023, it reduced the amount of transferable credit card reloads to RM1,000 per month.

Upon exceeding that RM1,000 limit, users can choose to further use their credit cards for reloads with a 1% fee. The new February 2024 policy basically removes the free credit card reload for the first RM1,000.

Recommended : Free TNG RFID Bar Code Scam Fact Check!

 

How To Avoid 1% Fee On Touch ‘n Go eWallet Reloads

From 24 February 2024 onwards, the only ways to get free reloads on the Touch ‘n Go eWallet is to use DuitNow Transfer, or your debit card.

Reloading using your debit card is no different from using your credit card, so it should be easy for you to simply switch to your debit card.

Transferring using DuitNow Transfer is, unfortunately, not so straightforward with the Touch ‘n Go eWallet. For those who are not familiar with using DuitNow Transfer, here’s a quick guide:

Look For Your DuitNow Account Number

Step 1 : Open and log into your Touch ‘n Go eWallet.

Step 2 : Click on the Profile button at the upper right corner of the screen.

Step 3 : Under your name, you will see your 12-digit DuitNow account number. Write it down, or click on the copy button to copy it.

Reload Using Your DuitNow Account Number

Step 1 : Log into your preferred bank’s app or website.

Step 2 : Select the Transfers option.

Step 3 : Select the Transfer to other banks option.

Step 4 : Select Touch ‘n Go eWallet or DuitNow Transfer option.

Step 5 : Key in your Touch ‘n Go eWallet DuitNow account number.

Step 6 : Key in the amount you want to transfer, and click the Next or Transfer.

Step 7 : In the transfer summary page, verify the details and click Proceed. If you wish, you can also select “Add as Favourite” to make it easier to transfer more funds in the future.

As you can see, the DuitNow Transfer isn’t as user-friendly as using the credit card, which could put off many users. So a better alternative might be to use your debit card instead. Even so, I foresee many people switch to alternative e-wallets for payments.

 

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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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How To Appeal Rejected eMADANI Application!

Find out why your eMADANI application may be rejected, and how to appeal!

 

6.5 Million Malaysians Received Free RM100 eMADANI Credit!

On 27 July 2023, Prime Minister Anwar Ibrahim announced that the Malaysian government will give a special, one-off RM100 eWallet credit under the eMADANI programme.

The eMADANI programme kicked off on 4 December 2023, giving 10 million Malaysian citizens the opportunity to receive the RM100 eWallet credit.

As of Wednesday, 6 December 2023, some 6.5 million people have had their eMADANI applications approved. According to the Deputy Finance Minister Datuk Seri Ahmad Maslan, another 1.8 million eMADANI applications are being processed.

However, many reported they failed to get the free RM100 eWallet credit. Find out why your eMADANI application may be rejected, and how to appeal!

Recommended : How To Get Free RM100 eMADANI eWallet Credit!

 

Why Your eMADANI Application May Be Rejected!

First, it is important to find out why your eMADANI application may be rejected.

You May Not Qualify

The eMADANI programme is limited to some 10 million Malaysian citizens, who meet these requirements:

  • you must be a Malaysian citizen who is 21 years or older, as of 1 January 2023
  • you received the Rahmah Cash Assistance (Sumbangan Tuna Rahmah) as of 7 November 2023,
    OR
    you have an annual income of RM100,000 or less, based on LHDN records as of 15 July 2023

Those who do not meet those qualifications won’t be able to receive the free RM100 eWallet credit.

You Received eBeliaRahmah

Those who received the eBeliaRahmah assistance earlier are automatically disqualified for the eMADANI programme, because they have already received eWallet cash to promote the use of cashless payments amongst the youth.

You Did Not Submit Your Tax Return

Unfortunately, the eMADANI programme is using your LHDN tax return for the 2022 assessment year to determine your income level, if you are not receiving the Rahmah Cash Assistance.

People who did not file a 2022 tax return will, unfortunately, not qualify for the free RM100 eWallet credit, even if they earned too little to require filing taxes with LHDN.

Recommended : eWallet May Be Blocked If eMADANI Credit Is Transferred!

 

How To Appeal Rejected eMADANI Application!

After applying for eMADANI, your application will be approved and rejected within 1-5 days. Unfortunately, if your application is rejected, the notification will not tell you WHY it was rejected.

The good news is – there is a dispute process. Sort of.

Contact The eWallet Service Provider

The first thing you can try is to reach out to the eWallet service provider you registered with, to find out why your application was rejected.

MAE: 1300-88-6688 or email mgcc@maybank.com.my

Setel: Email to hello@setel.com or click here

ShopeePay: +603-2777 9222 or click here

Touch ‘n Go eWallet: +603-5022 3888 or click here 

It is possible that you may need to submit additional information, or documents, like a copy of your identification card for verification.

If you are using the Shopee app, you can raise a dispute with their customer service.

  • Select eMadani Claimants as your user type.
  • Select “eMadani Unable to claim
  • Fill in your personal details.
  • Upload any necessary photos or screenshots.

Contact The Ministry Of Finance

If you cannot resolve the problem through the eWallet service providers, you can try contacting the Ministry of Finance through these dedicated channels of eMADANI:

Email : emadani@treasury.gov.my

Telephone : 03-8882-4565

Toll-free : 1 800 88 2747

If you found this article useful, please SHARE it with your family and friends!

 

Please Support My Work!

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

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

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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eWallet May Be Blocked If eMADANI Credit Is Transferred!

Be warned – your eWallet account may be blocked, if you attempt to transfer your free RM100 eMADANI credit! Here is what you need to know…

 

eMADANI : 10 Million Malaysian Citizens To Get Free RM100!

On 27 July 2023, Prime Minister Anwar Ibrahim announced that the Malaysian government will give a special, one-off RM100 eWallet credit.

On Wednesday, 29 November 2023, the government announced that the eMADANI programme will benefit some 10 million Malaysian citizens and 2 million businesses, with a total budget of RM 1 billion.

The eMADANI programme is a new initiative that is designed to stimulate the micro, small and medium enterprises (PMKS), as well as promote cashless payments, and alleviate inflationary pressures on the rakyat.

From 4 December 2023 until 20 February 2024, eligible Malaysians can register and receive RM100 in one of these four eWallets:

  • MAE
  • Setel
  • ShopeePay, and
  • Touch ‘n Go eWallet

Please note that these four eWallet providers will also be offering additional incentives in the form of vouchers, cashbacks, discounts, reward points, and coins. So be sure to “shop around” for the best offers, before deciding on which eWallet to use!

Recommended : How To Get Free RM100 eMADANI eWallet Credit!

 

eWallet May Be Blocked If eMADANI Credit Is Transferred!

On Monday, 4 December 2023, the Malaysia Ministry of Finance issued a statement warning that your eWallet may be blocked if you attempt to transfer your free RM100 eMADANI credit out!

This is partly because the eMADANI programme is meant to promote the digital economy, and the use of cashless payments in Malaysia.

The RM100 eWallet credit must be spent physically in retail stores and businesses using the the eWallet of your choice, except:

  • peer-to-peer transfers
  • cash redemptions
  • bill payments through the eWallet
  • government fee payments through the eWallet
  • telco postpaid payments and prepaid reloads through the eWallet
  • game payments through the eWallet
  • parking and toll payments
  • investment activities through the eWallet
  • e-commerce or online transactions

On top of that, the Ministry is aware of online scams offering “cash out” services to people. To avoid people being tricked into transferring their eMADANI credit out, the Malaysian government may order the blocking of eWallet accounts used in such activities, as well as the eMADANI credit involved.

So please make sure you do not transfer your RM100 eMADANI credit out of your eWallet. Do not fall for scams offering you the option to “cash out” the money. Instead, use the eMADANI credit to purchase at retail stores.

Please SHARE this article out, to warn your family and friends!

 

Please Support My Work!

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

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

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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eMADANI : How To Get Free RM100 eWallet Credit!

Ten million Malaysian citizens will soon receive a special RM100 eWallet credit through the eMADANI programme! Here is what you need to know!

 

eMADANI : 10 Million Malaysian Citizens To Get Free RM100!

On 27 July 2023, Prime Minister Anwar Ibrahim announced that the Malaysian government will give a special, one-off RM100 eWallet credit.

On Wednesday, 29 November 2023, the government announced that the eMADANI programme will benefit some 10 million Malaysian citizens and 2 million businesses, with a total budget of RM 1 billion.

The eMADANI programme is a new initiative that is designed to stimulate the micro, small and medium enterprises (PMKS), as well as promote cashless payments, and alleviate inflationary pressures on the rakyat.

Here is what you need to know about the eMADANI programme, and the one-off RM100 eWallet credit…

Recommended : How To Appeal Rejected eMADANI Application!

 

eMADANI : How To Get Free RM100 eWallet Credit!

Here is what you need to know about the eMADANI programme, and how to get the free RM100 eWallet credit:

Who Qualifies For eMADANI RM100 Free Credit?

The eMADANI programme, and the free RM100 eWallet credit, is open to Malaysian citizens who are 21 years and older as of 1 January 2023; and have either:

However, those who received the eBeliaRahmah contribution earlier will not qualify for the eMADANI programme, as they have already received eWallet cash to promote the use of cashless payments amongst the youth.

The government estimates that 10 million Malaysians will qualify for the eMADANI free RM100 eWallet credit.

When Can You Redeem The RM100 eWallet Credit?

Those who qualify for the RM100 eWallet credit will be able to redeem it through selected eWallets (see below) from 8 AM on 4 December 2023 until 11:59 PM on 20 February 2024.

Which eWallets Do You Need?

You will need one of these four eWallets to receive the free RM100 credit through the eMADANI programme:

  • MAE
  • Setel
  • ShopeePay, and
  • Touch ‘n Go eWallet

Please note that these four eWallet providers will also be offering additional incentives in the form of vouchers, cashbacks, discounts, reward points, and coins. So be sure to “shop around” for the best offers, before deciding on which eWallet to use!

Recommended : Watch Out For TNG eWallet SMS Phishing Scam!

How Do You Get The Free RM100 eWallet Credit?

To obtain the free RM100 eWallet credit, follow these steps:

  1. Download the eWallet of your choice (from the list of four above) from the Apple App Store, Google Play Store, or HUAWEI AppGallery.
  2. If you have not registered and verified your eWallet account, please do so first.
  3. In the eWallet of your choice, tap on the eMADANI redemption link.
  4. Key in the required information in the eMADANI redemption page, and tap on the Send button.
  5. You will be informed if your application is successful.

If successful, the RM100 will be credited into the eWallet, and you can use the money immediately.

Please note that you can only redeem the RM100 eWallet credit from one eWallet provider.

Where Can You Spend The RM100?

The RM100 eWallet credit must be spent physically in retail stores and businesses using the the eWallet of your choice, except:

  • peer-to-peer transfers
  • cash redemptions
  • bill payments through the eWallet
  • government fee payments through the eWallet
  • telco postpaid payments and prepaid reloads through the eWallet
  • game payments through the eWallet
  • parking and toll payments
  • investment activities through the eWallet
  • e-commerce or online transactions

When Must You Spend The RM100?

Please note that the RM100 eWallet credit must be spent by 11:59 PM on 29 February 2024.

From 1 March 2024 onwards, any unspent eMADANI credit will automatically expire, and be removed from the eWallet.

 

Please Support My Work!

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

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

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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Free TNG RFID Bar Code Scam Fact Check!

Will your phone get hacked if you scan the TNG RFID bar code?! Take a look at the viral claim, and find out what the facts really are!

Updated @ 2023-11-17 : Added new version, and more details.
Originally posted @ 2023-05-10

 

Claim : Scanning TNG RFID Bar Code Can Hack Your Phone!

This warning about an RFID bar code scam has gone viral on WhatsApp, and social media, claiming that scammers are sending people free TNG RFID stickers, and asking them to scan the bar code.

Allegedly, scanning the TNG RFID bar code will cause your phone to be hacked by these scammers!

They send the RFID to you. When you scan the bar code they hack your hp
It’s a scam

他们将 RFID 发送给您。 当您扫描条形码时,他们会入侵您
这是一个骗局

Mereka menghantar RFID kepada anda. Apabila anda mengimbas kod bar mereka menggodam anda
Ia satu penipuan ☠️👻💩😱😰

If you get this free RFID card via courier, please throw away. Another scam.

Recommended : Bank Letter QR Code Scam : What You Need To Know!

 

Truth : Scanning TNG RFID Bar Code Will NOT Hack Your Phone!

This is yet another example of FAKE NEWS circulating on WhatsApp and social media, and here are the reasons why…

Fact #1 : TNG RFID Bar Code Cannot Hack Your Phone

First of all – let me just say that the TNG RFID bar code cannot hack your phone. In fact, no one can hack your phone just because you scan an RFID bar code.

The bar code is nothing more than a series of numbers, which you can readily see printed under the bar code. These numbers cannot possibly hack your phone / smartphone.

Fact #2 : TNG Bar Code Is Used To Register RFID Sticker

The bar code visible in the clear window of the TNG RFID self-fitment kit is merely the serial number for the RFID sticker (also known as an RFID tag).

This serial number is used to register the RFID sticker, by scanning scan the bar code using the TNG eWallet mobile app. All it does is link the RFID sticker to your TNG eWallet account, so that all toll charges are automatically deducted from that account.

Fact #3 : TNG RFID Swapping Can Be Easily Detected

One of our readers suggested that the scammer might have swapped out the bar code, to trick you into registering a different TNG RFID sticker owned by the scammer.

This would allow the scammer to use his/her TNG RFID sticker to go through highway tolls for free, while you would be charged for his/her travels.

While that is plausible, it would be quickly detected by the victim who would not be able to use the RFID sticker to get through the toll. The victim would also be able to detect the illegal charges to his/her TNG eWallet account.

Read more : TNG RFID Self-Fitment Guide : How To Do It Yourself

Fact #4 : TNG RFID Is Unique To Each Chip

One of our readers suggested that the scammer may be trying to trick people into scanning the barcode of a duplicated RFID sticker. The scammer can then use the duplicate RFID sticker to go through tolls, which would be charged to the victims’ TNG eWallet accounts.

Now, Touch ‘n Go has not revealed much about how it is protecting its RFID stickers, only saying that each TNG RFID sticker has an embedded radio-frequency chip that makes every sticker “unique to each customer”.

But that suggests that the RFID stickers are not only encrypted, the chip has a private key that prevents duplication, which makes a lot of sense. Without such encryption and private key, anyone can literally just read the number off any RFID sticker in a parking lot, and duplicate it in a programmable RFID sticker.

Unless the scammer has somehow stolen the private keys, and can perfectly duplicate the RFID stickers, this seems like an improbable scam. More so when the scammers would be limited to using the tolls for free. Hardly worth the effort, if you ask me.

Fact #5 : There Are Easier + Cheaper Ways To Hack Your Phone

Truth be told – there are far easier and cheaper ways to hack your phone, than send you a free RFID sticker and ask you to scan the bar code.

These scammers will have to put in considerable expense and technical expertise into hacking the TNG eWallet app, and inserting their malware that the fake RFID number would trigger.

But why bother? If they can hack the TNG eWallet, they don’t even need to send you any fake RFID bar code to scan!

Making fake RFID stickers (tags) that look like genuine TNG RFID self-fitment kits costs money. Sending these fake kits also put them at risk, because deliveries can be traced.

There are many other ways to compromise your smartphone. There is simply no reason why scammers to waste time and money on such a convoluted scheme.

Recommended : WhatsApp Block Button Scam : What You Need To Know!

Fact #6 : Packages Do Get Delivered Wrongly

The most plausible explanation for receiving a free TNG RFID sticker out of the blue is that it was wrongly delivered to you. If you receive one, check the name and address on the package. It may not be meant for you. In that case, contact the delivery company and have them resend it to the right person.

I have also personally experienced receiving packages that I did not order, some of which appear to be sent due to a database error of some sort – my name and phone number are on the package, but the address was wrong or non-existent.

Out of an abundance of caution, just don’t install any RFID sticker that you did not order. Or you can call up TNG to verify that the RFID sticker is legitimate.

Please help us FIGHT FAKE NEWS by sharing this fact check article out, and please SUPPORT our work!

 

Please Support My Work!

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

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

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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Touch ‘n Go eWallet, PayDirect + RFID Are Okay Now!

Touch ‘n Go eWallet, PayDirect + RFID services have just been restored, after going down for most of the day!

 

Touch ‘n Go eWallet, PayDirect + RFID Went Down!

Touch ‘n Go eWallet, PayDirect and RFID services went down for most of the day today. Many users were logged out of the Touch ‘n Go eWallet app, and had difficulty logging back in. They often received error messages like:

Sorry, something wrong happened there! But don’t sweat it, we’re doing our best to fix this for you. Please try again.

Sorry, but heavy traffic is causing delays in processing your request. Don’t fret, we’re fixing this. Hold tight & try again later.

Recommended : TNG RFID Bar Code Scanning Scam Debunked!

Even when users could log in, they reported that their ewallet balance were either wiped out, or incorrect. Some even reported that their ewallet balance kept changing randomly!

Many users were also unable to make payments, or perform NFC card reloads. PayDirect payments also is not working.

Even worse, Touch ‘n Go eWallet outage this time has cut off access to TNF  RFID, with highway users reporting long queues at the RFID lanes. The RFID lanes at the SPRINT Expressway, Penchala Link and Kerinchi Link have consequently been closed down.

The only way for motorists to get through the tolls is to use their Touch ‘n Go card. So please make sure you reload your TNG card before using the highways!

 

Touch ‘n Go Finally Solves eWallet, PayDirect + RFID Problems!

Hours after users started complaining, the Touch ‘n Go eWallet team finally responded, saying that they are working on a fix.

All they can tell their users is that if they have sufficient balance in their eWallet, they can still pay for tolls and parking via PayDirect and RFID.

Dear valued users,

We are currently facing technical issues but be rest assured, we are rectifying the matter.

If you have enough balance in your Wallet, you are still able to pay for tolls and parking via PayDirect and RFID.

We apologise for the service interruption and inconvenience this may have caused.

Thank you for your kind patience and understanding.

The Touch ‘n Go Wallet team.

But as many users have reported, that is just not possible. Both PayDirect and RFID appear to be down, which is why several highways have already closed their RFID lanes.

In addition, some users have reported that their eWallet balance is now empty, or has the wrong balance, or has insufficient balance. So they won’t be able to make payments, unless they have a physical TNG card as backup.

Recommended : Watch Out For TNG eWallet SMS Phishing Scam!

Finally, at around 3:36 PM, the Touch ‘n Go eWallet team reported that they finally restored all its services!

Touch ‘n Go eWallet and its services are up and running.

We apologise for the inconvenience caused earlier and thank you for your kind patience.

However, it looks like it will take time for all issues to be resolved. Users loading TNG eWallet after this will see a banner telling them not to worry about mysterious transactions that appear in their history, because they are just “delayed notifications”.

Got a txn you didn’t perform? Reset assured, it’s a delayed notification. Apologies for the confusion.

Several Touch ‘n Go eWallet users continue to complain that they still are unable to login, or make payments / transfers, or have wrong balances in their accounts.

 

Please Support My Work!

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

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

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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TTDI Ramadan Bazaar Offers Full Digital Payments!

Tech Hunter just launched a a massive Ramadan Bazaar in TTDI called #TechMeToBazaar, where every vendor is fully equipped for digital payments!

 

TTDI Ramadan Bazaar Offers Full Digital Payments!

Tech Hunter just launched a Ramadan Bazaar in Taman Tun Dr. Ismail (TTDI) called #TechMeToBazaar. The massive bazaar boasts over 150 stalls offering local delicacies, and expects to welcome over 200,000 visitors this year.

Thanks to Tech Hunter Global Sdn Bhd (“Tech Hunter”), visitors to the TTDI Ramadan Bazaar can make payments using a variety of digital modes, including debit or credit cards and e-wallets.

All stalls at the TTDI Ramadan Bazaar are fully equipped with payment terminals set up by PayHunter, a Tech Hunter subsidiary, so visitors can simply “wave” their debit or credit cards, or scan the QR codes to digitally transfer money using any e-wallet. Visitors no longer have to worry about bringing enough cash to pay for their buka puasa meals!

TTDI Ramadan Bazaar is also powered by SHOPLINE, a global Smart Commerce Enabler offering omnichannel commerce solutions. SHOPLINE recently integrated its POS system with Tech Hunter’s Smart Mobile Payment Terminal to allow retailers to easily place and checkout a customer’s order via a compact, wireless device – perfect for space-saving and mobile use at the bazaar!

Lastly, YTL Communications’ Yes is the telecommunications provider that powers the 5G connectivity throughout the entire bazaar.

“This Ramadan, we are proud to launch the first ever 5G Ramadan Bazaar, powered by Yes 5G as part of the Tech Me To Bazaar campaign,” said Wing K. Lee, Chief Executive Officer at YTL Communications. “In line with our ongoing mission to enable 5G for All, we are bringing 5G connectivity to one of the most engaged activities of the festive season. Through the Ramadan bazaar at TTDI, we are making 5G accessible for both vendors and customers alike to experience seamless connectivity, fast internet speeds and ultra-low latency through Yes 5G. We welcome all to our Yes booths located within the bazaar, to kickstart their 5G experience powered by Yes”.

 

Promotions @ TTDI Ramadan Bazaar!

Bank Simpanan Nasional (BSN), SHOPLINE, GrabPay Malaysia and YTL Communications came together as sponsors to offer these promotions at the TTDI Ramadan Bazaar :

  • Visitors who use their BSN credit or debit card to make an accumulated spend of RM50 with a maximum combination of three (3) receipts, will stand a chance to win a one-time RM5 cashback during the campaign period from 23 March until 21 April 2023. A total of 4,000 winners will be selected randomly.
  • Visitors can also enjoy RM30 off, with a minimum purchase of RM200 using Grab’s PayLater function in the Grab app. Visitors will need to scan the GrabPay QR code at the stalls, key in the payment amount and “Pay Next Month” or “Pay in 4 Instalments” to enjoy the discount.

The TTDI Ramadan Bazaar is open from 3 PM every day from 23 March until 21 April 2023.

 

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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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Watch Out For TNG eWallet SMS Phishing Scam!

In this article, we will show you many types of TNG eWallet SMS phasing scam, so you can avoid them!

 

Watch Out For TNG eWallet SMS Phishing Scam!

People are getting these SMS messages that appear to be from TNG eWallet, but are really just phishing scams!

RMO TNG eWallet: Bantuan e-dompet kepada golongan B40&M40 RM1000 akan dikreditkan ke dalam TNG eWallet anda. Kemaskini maklumat dan semakan status di www.tngewalletbantuangov.com

RMO T’n GO Your account function has been closed. You need to confirm the device immediately. Follow my.tngwallc.com

RMO TNG Wallet: Permohonan GOpinjam anda telah diluluskan, RM3000 telah kredit ke TNG Wallet anda. Sila semak baki dan tuntutan anda di http://logtouchngo.cc

RMO GOV: Terima kasih atas sokongan anda dari kerajaan BN. Bantuan e-dompet kepada rakyat Malaysia berjumlah RM500 telah kredit ke TNG Wallet anda. Sila sahkan identiti dan semak baki anda di https://touchngoemy.top/

 

How TNG eWallet SMS Phishing Scam Works!

The many examples of the TNG eWallet phishing scam employ SMS spoofing technology to send you SMS messages that appear to be from the TNG eWallet team.

What most people don’t know is that – the TNG eWallet team will never send you any SMS messages to :

  • offer you money from government or other agencies
  • inform you that money has been credited to your eWallet
  • ask you to log into your eWallet account using a link
  • ask you to update your account information using a link

The TNG eWallet team warned users against clicking on any links sent by SMS, even if they appear to be genuine. Genuine TNG eWallet SMS messages will never have a link attached.

These links do not lead to the real TNG eWallet website (https://www.touchngo.com.my/), but use similar-looking fake domains, like:

tngewalletbantuangov.com
my.tngwallc.com
logtouchngo.cc
touchngoemy.top
ewallettouchng.top
touchngosign.com
touchngolog.top
logintouchngo.cc
touchngo.life
touchngologin.cc
my.touchngo.com
my.touchwalf.com
my.touchwalp.com
my.tngowalle.com
my.tngowallet.com
tngwallet.top

If you see such domains, you should be alert that you are being targeted by a phishing scam. NEVER CLICK ON A LINK in any TNG eWallet SMS.

If you click on any of these links, you will be taken to a page that looks like a genuine TNG eWallet login page, but is really a phishing scam page.

If you key in your login details, as well as your phone number and One-Time Password (OTP), the scammers will have full access to your eWallet, and can freely transfer out your eWallet balance.

As many of us link our credit cards to the TNG eWallet, the scammers can also reload your eWallet using those credit cards, and transfer the money out.

So make sure you IGNORE any SMS message that asks you to click on a link, even if it appears to be from TNG eWallet.

Please help to fight financial scams, by SHARING this article with your family and friends!

 

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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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Maybank: New Secure2u Activations Only On MAE App

Maybank will only allow new Secure2u activations on their MAE app, instead of their Maybank2u app!

 

Maybank : New Secure2u Activations Only On MAE App

From 26 September 2022 onwards, Maybank will only allow new Secure2u activations on their MAE e-wallet app, instead of their Maybank2u banking app.

Secure2u is a mobile app-based authentication method for your banking transactions, which replaces the SMS TAC that is vulnerable to SIM swap attacks.

This change only affects new Secure2u activations. If you have already activated Secure2u on your Maybank2u banking app, then you can continue to use the Maybank2u app to approve your transactions as usual.

Maybank will also move two Amanah Saham National Berhad (ASNB) services from the Maybank2u app to the MAE app permanently, starting 7 October 2022.

  • View own and child’s account balance(s)
  • Make transfers to own account(s) via Favourites

This shifting of features is part of Maybank’s push to “encourage” its customers to switch to their MAE e-wallet app, and it plans to phase out the Maybank2u app eventually.

By moving customers to MAE, Maybank is hoping that they might start using its e-wallet feature, as well as reduce its need to develop and maintain two separate mobile apps.

 

12-Hour Activation Delay For Secure2u In MAE

To further strengthen the appeal of the MAE app, Maybank is going to boost the security of its Secure2u feature.

Starting on 22 October 2022, the Secure2u feature in the MAE app will be enhanced with a 12-hour activation period to prevent unauthorised activations.

Those who activate Secure2u in MAE on a new device will need to wait at least 12 hours, before they can begin using the Secure2u feature to authenticate any transaction.

The idea is to give the account owner at least 12 hours to detect any potential fraudulent attempt to activate Secure2u on unauthorised devices.

 

How To Set Up Secure2u In MAE

Setting up Secure2u in the MAE app is straightforward :

  1. Install the MAE app from the Apple App Store, Google Play Store, or HUAWEI AppGallery.
  2. Launch the MAE app, and tap More.
  3. Tap on Settings at the top of the screen.
  4. Tap on Maybank2u and log into your Maybank account.
  5. Tap the toggle button next to Secure2u to enable it.
  6. Tap on Activate Now.
  7. Key in and confirm your mobile number.
  8. Maybank will send a One-Time Password (OTP) to you via SMS.
  9. Key in the OTP number and confirm your device name to authorise the change.

That’s it! Then you just need to use your MAE app (instead of SMS TAC) to authenticate your future banking transactions on Maybank.

 

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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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Apple Pay Setup Guide : How To Register Your Cards!

Now that Apple Pay is available in Malaysia, here is my guide on how to set it up with your debit / credit card!

 

Apple Pay Is Now Available In Malaysia!

Apple Pay was first launched way back in September 2014, together with the iPhone 6 and iPhone 6 Plus. However, its global availability was slow and some would say, tortuous.

For years, Apple fans in Malaysia have requested for Apple Pay to be introduced in Malaysia, and could only look at Singapore in envy, when Apple Pay was introduced there more than six years ago in April 2016!

But the wait is over! The steady drip of leaks has finally culminated in actual confirmation that yes, Apple Pay is now available in Malaysia!

While this guide is based on credit cards in Malaysia, it will work in other countries too, as long as Apple Pay is supported.

 

Not All Banks Support Apple Pay

First of all, you must understand that not all banks support Apple Pay. Here in Malaysia, only three banks support Apple Pay at the moment.

Banks In Malaysia That Support Apple Pay

You will be able to register debit and credit cards issued by these banks :

  • AmBank
  • Maybank
  • Standard Chartered Bank

Banks In Malaysia That Do Not Support Apple Pay

You won’t be able to add debit or credit cards from these banks :

  • CIMB
  • Citibank
  • UOB
  • OCBC

I will update this article as and when I find out what other banks in Malaysia support, or don’t support, Apple Pay.

Read more : How To Add MySJ Vaccine Certificate To Apple Wallet + Health

 

How To Register Your Card In Apple Pay

To help you register your debit / credit card with Apple Pay, here is my step-by-step guide :

Step 1 : Open the Wallet app in your iPhone.

Step 2 : Tap on the Add button to “Add a credit or debit card to get started using Apple Pay”.

Step 3 : In the next screen, tap on the Continue button.

Step 4 : You will now be asked to “scan” your debit / credit card using your iPhone camera, positioning it within the frame.

Step 5 : The Wallet app will try to pick up important details of your credit card like :

  • Name
  • Credit card number
  • Expiry date

If nothing happens, that means it cannot read the details off the card. Then you will need to tap on the Enter Card Details Manually option at the bottom.

Step 6 : Whether your card details are detected or not, verify the key card details required by Apple Pay :

  • Name
  • Card Number
  • Expiry Date
  • Security Code

If the detected details are wrong, edit them to make sure they match your debit / credit card.

Step 7 : You will need to key in the Security Code, which is a 3-digit or 4-digit CSC (Card Security Code) / CVV (Card Verification Value) / CVC (Card Verification Code) usually printed on the back of your debit / credit card.

Step 8 : If your credit card is not supported, you will get a pop-up message saying :

Your Issuer Does Not Yet Offer Support for This Card

Ask your issuer if they offer cards that support Apple Pay.

If your card is supported, you will see a list of Terms and Conditions. You will need to tap on Agree to continue.

Step 9 : The screen show details of your credit card while the Wallet app sets it up for Apple Pay. Just wait for a few seconds.

Step 10 : You will now be asked to verify your card for Apple Pay, usually through Text Message. Tap Next to continue with the verification process.

Step 11 : You will receive an SMS with a 6-digit One Time Password (OTP). You need to key that in within 2 minutes :

Card enrolment OTP for your digital wallet is XXXXXX. It will expire after 2 mins. If you have not performed this, please contact the bank.

Step 12 : Tap Next after keying in the OTP, and you should see the Card Activated notice.

That’s it! Your credit card is now ready for Apple Pay. When you open your Wallet, you should see that debit / credit card listed.

 

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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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Apple Pay Is Now Available In Malaysia!

Apple did not announce anything official, but Apple Pay is now available in Malaysia!

Here is what you need to know, and how you can start using Apple Pay in Malaysia!

 

Apple Pay Is Now Available In Malaysia!

Apple Pay was first launched way back in September 2014, together with the iPhone 6 and iPhone 6 Plus. However, its global availability was slow and some would say, tortuous.

For years, Apple fans in Malaysia have requested for Apple Pay to be introduced in Malaysia, and could only look at Singapore in envy, when Apple Pay was introduced there more than six years ago in April 2016!

But the wait is over! The steady drip of leaks has finally culminated in actual confirmation that yes, Apple Pay is now available in Malaysia!

Apple did not announce anything, but you can now add your debit / credit cards to Apple Pay and start using it in Malaysia!

This makes Malaysia only the second country in Southeast Asia to support Apple Pay. The first was Singapore in April 2016.

Malaysia is also only the 10th territory in Asia to support Apple Pay, after Australia, China, Hong Kong, Macau, Taiwan, Japan, Kazakhstan, New Zealand and Singapore.

 

What Banks Currently Support Apple Pay In Malaysia?

Right off the bat, I have to warn you that support for Apple Pay is still pretty limited in Malaysia, to just three banks as far as I can tell.

Banks In Malaysia That Support Apple Pay

You will be able to register debit and credit cards issued by these banks :

  • AmBank
  • Maybank
  • Standard Chartered Bank

Banks In Malaysia That Do Not Support Apple Pay

You won’t be able to add debit or credit cards from these banks :

  • CIMB
  • Citibank
  • UOB
  • OCBC

I will update this article as and when I find out what other banks in Malaysia support, or don’t support, Apple Pay.

Read more : How To Add MySJ Vaccine Certificate To Apple Wallet + Health

 

How To Register Apple Pay In Malaysia?

To help you register your debit / credit card with Apple Pay, here is my step-by-step guide :

Step 1 : Open the Wallet app in your iPhone.

Step 2 : Tap on the Add button to “Add a credit or debit card to get started using Apple Pay”.

Step 3 : In the next screen, tap on the Continue button.

Step 4 : You will now be asked to “scan” your debit / credit card using your iPhone camera, positioning it within the frame.

Step 5 : The Wallet app will try to pick up important details of your credit card like :

  • Name
  • Credit card number
  • Expiry date

If nothing happens, that means it cannot read the details off the card. Then you will need to tap on the Enter Card Details Manually option at the bottom.

Step 6 : Whether your card details are detected or not, verify the key card details required by Apple Pay :

  • Name
  • Card Number
  • Expiry Date
  • Security Code

If the detected details are wrong, edit them to make sure they match your debit / credit card.

Step 7 : You will need to key in the Security Code, which is a 3-digit or 4-digit CSC (Card Security Code) / CVV (Card Verification Value) / CVC (Card Verification Code) usually printed on the back of your debit / credit card.

Step 8 : If your credit card is not supported, you will get a pop-up message saying :

Your Issuer Does Not Yet Offer Support for This Card

Ask your issuer if they offer cards that support Apple Pay.

If your card is supported, you will see a list of Terms and Conditions. You will need to tap on Agree to continue.

Step 9 : The screen show details of your credit card while the Wallet app sets it up for Apple Pay. Just wait for a few seconds.

Step 10 : You will now be asked to verify your card for Apple Pay, usually through Text Message. Tap Next to continue with the verification process.

Step 11 : You will receive an SMS with a 6-digit One Time Password (OTP). You need to key that in within 2 minutes :

Card enrolment OTP for your digital wallet is XXXXXX. It will expire after 2 mins. If you have not performed this, please contact the bank.

Step 12 : Tap Next after keying in the OTP, and you should see the Card Activated notice.

That’s it! Your credit card is now ready for Apple Pay. When you open your Wallet, you should see that debit / credit card listed.

 

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

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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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Confirmed : Apple Pay Is Launching Soon In Malaysia!

Multiple leaks confirm that Apple Pay is launching soon in Malaysia! Here is what you need to know…

 

Leaks Confirm Apple Pay Is Launching Soon In Malaysia!

Multiple leaks have more or less let the cat out of the bag – that Apple Pay is launching soon in Malaysia!

This would make Malaysia the second country in Southeast Asia to support Apple Pay, and the 10th territory in Asia, after Australia, China, Hong Kong, Macau, Taiwan, Japan, Kazakhstan, New Zealand and Singapore.

AmBank Sent Apple Pay SMS

The first to leak was AmBank, when they sent out an SMS to their customers in July 2022, prematurely telling them that they can now use Apple Pay.

It appeared to have been a test run that ran awry, as their Apple Pay website was not yet ready. But it alerted everyone to the fact that Apple Pay is coming to Malaysia.

Shopee Added Apple Pay As Payment Option

The second to leak was Shopee, which released an Apple Pay option in version 2.91.28 of their app on 2 August 2022.

If you tap on it, you will simply be asked to “ensure there’s an active card in your Apple Pay wallet to proceed“.

Of course, you can’t actually add any credit / debit card to your Apple Pay wallet yet, but you can see that it is listed as a payment option.

Maxis Accidentally Promotes Apple Pay As Payment Option

On 5 August 2022, a Maxis Centre accidentally put out a cardboard sign announcing “Apple Pay accepted here“.

The tweet was deleted by its poster, but the cardboard sign was traced to the Sri Muda Maxis Centre in Shah Alam.

sorry guys had to delete the tweets atas permintaan pihak tertentu. but don’t worry cuz apple pay is coming soon to Malaysia!

AmBank Released Their Apple Pay Portal!

On 8 August 2022, AmBank (accidentally?) released their Apple Pay portal, confirming that the contactless payment system is ready to launch in Malaysia!

The AmBank Apple Pay portal has now been removed, but here are some of the details it revealed :

  • There is no transaction limit for Apple Pay, as opposed to a transaction limit of RM250 per purchase, with a RM750 daily limit, for other contactless payment platforms.
  • There is also no transaction limit for online purchases using Apple Pay through your iPhone, iPad or Mac computer.
  • AmBank also offered some promotions, including cash back for the first purchase using Apple Pay.
  • There were two unlisted YouTube videos (now removed) showing how to pay for your purchases using Apple Pay. Basically:
    a) Look for the Apple Pay and EMV contactless payment logos at the retailer
    b) Simply tap your iPhone or Apple Watch on the credit card terminal to pay
    c) Use either Face ID, Touch ID or your passcode to verify the payment

 

Apple Pay Is Now Available In Malaysia!

You would have thought that AmBank would have learned from their July 2022 SMS mistake, but no… they didn’t.

Then again, they may have “accidentally” leaked the Apple Pay website to drum up some hype ahead of the official launch.

These “accidents” have a habit of happening…

In any case, Apple Pay is now available in Malaysia, even though there was no official launch!

Read more : Apple Pay Is Now Available In Malaysia!

Most likely, Apple will roll it out in Malaysia with the next iOS update – probably iOS 15.6.1.

Currently iOS 15.6 does not support Apple Pay in Malaysia. When you try to add a debit / credit card to the Wallet app, you get this pop-up :

To add cards, keys, tickets and passes to Wallet, look for the Add to Wallet button in apps, emails and websites.

Until Apple adds this functionality through an iOS update for Malaysia, there is simply no way to add any card to the Wallet app.

 

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

Name : Adrian Wong
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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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No More Cash Payment At KKM Hospitals + Clinics!

Public hospitals and clinics under KKM will no longer accept cash payments starting 1 October 2022!

Here is what you need to know…

 

No More Cash Payment At KKM Hospitals + Clinics!

From 1 October 2022 onwards, public hospitals and clinics under the Malaysia Ministry of Health (KKM) will no longer accept cash payments.

They will only accept payments through e-payment methods like :

  • debit card
  • credit card
  • e-wallet

They will, however, accept cash payment if the customer has no other payment options, or a bank account.

KKM is aiming to achieve 95% cashless transactions by December 2022.

 

Why KKM Hospitals + Clinics Will No Longer Accept Cash Payments

This initiative to eliminate cash payments at KKM health facilities is part of the 2021 Malaysia Digital Economy Blueprint, which called for all federal and state agencies to prioritise cashless payments by the year 2022.

The 2021-2022 KKM Anti-Corruption Plan also called for cash payments to be eliminated at public hospitals and clinics.

The Malaysia Ministry of Health believes that eliminating cash payments at their health facilities will :

  • reduce the risk of leakage of public funds
  • increase efficiency by making payments at the counter faster, easier and safer
  • reduce the cost and work process of collecting payments
  • reduce the risk of COVID-19 infections through contactless payment

To that end, KKM had ordered the implementation of cashless payment systems at all health facilities back in June 2022, with full implementation starting 1 October 2022, targeting 95% cashless payments by December 2022.

 

Please Support My Work!

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

Name : Adrian Wong
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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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TnG eWallet Back Online After Going Down For Over 8 Hours!

All TnG eWallet services are finally back online, after going down for over 8 hours!

Here is everything you need to know!

 

TnG eWallet Down Earlier : No Payments Or Transfers!

At around 1 PM today, the TnG eWallet platform went down, preventing users from making payments or even money transfers.

One of our readers, Kent Ng, shared with me the error messages he received in the TnG eWallet app.

When he tried to transfer money, he received a Connection Time Out error. He couldn’t even pay for parking using TnG eWallet!

Initially, TNG Digital said that RFID transactions were affected, but a few hours later, they said that RFID can still be used, but you are limited to the balance in your TnG eWallet.

The automatic reload feature in the TnG eWallet is still down, so you cannot use RFID to go through toll booths if there is insufficient balance in your eWallet.

Please check your TnG eWallet balance, and make sure you have enough for the toll. Otherwise, please avoid using the TnG RFID lanes at toll booths until this issue is resolved.

You will have to switch to the Touch ‘n Go card, with or without SmartTAG, to pay at toll booths. Please make sure you have sufficient balance in your TnG card.

 

TnG eWallet Back Online After Going Down For Over 8 Hours!

After netizens complained about not being able to make payments, TNG Digital posted a short statement that they are currently working on a solution.

Dear valued user, 📣

We understand you’re experiencing a service interruption in your eWallet at the moment & may not be able to perform payments including RFID & PayDirect transactions. 🚫

Rest assured that we are currently rectifying this matter & will update you accordingly, as soon as it is back online. 🧐

We apologise for the inconvenience caused. Thank you for your kind patience & understanding. 🙏

The Touch ‘n Go eWallet team. 💙

About six hours later, they were still not able to restore payments. But the good news is that they say that TNG RFID will work at highway toll booths, as long as you have sufficient balance in your eWallet.

Touch ‘n Go Wallet is currently experiencing a technical difficulty and as such we are experiencing a disruption of all Touch ‘n Go Wallet services.

Touch ‘n Go cards and RFID can still be used in highways, transit and parking if you have sufficient balance.

You can reload all your Touch ‘n Go cards at physical reload points as usual.

We are working to restore our services as soon as possible.

At 9:35 PM – after over 8 hours of downtime – TNG Digital finally announced that all Touch ‘n Go eWallet are finally up and running!

Touch ‘n Go Wallet and its services are up and running.

We apologise for the inconvenience caused earlier and thank you for your kind patients.

They however noticeably did not reveal what happened to their platform, or explain why it took them so long to get it back online again.

We can only hope that they learned from this incident, and will put in place measures to prevent it from happening again…

 

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

Name : Adrian Wong
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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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GrabUnlimited : Is It Worth Becoming A Member?

GrabUnlimited offers a large number of discount vouchers, and the opportunity to earn rebates!

Find out what GrabUnlimited really is all about, and whether it’s worth becoming a member!

 

GrabUnlimited : What Is It?

GrabUnlimited is a subscription plan that offers discount vouchers, and special promotions for Grab services.

Here are some of the benefits that the GrabUnlimited subscription offers :

Special June Promotions

  • 4 x GrabFood discount vouchers (up to 50%) + free delivery (cannot be used at peak hours or in Penang)
  • 6 x GrabFood discount vouchers (up to 38%) + free delivery (cannot be used in Penang)
  • Only in Penang : 10 x GrabFood discount vouchers (up to 50%) + free delivery

Standard Subscription Vouchers

  • 50 x GrabFood free delivery vouchers (up to RM3 off)
  • 10 x GrabMart free delivery vouchers (up to RM3 off)
  • 10 x GrabFood discount vouchers (15% off, only for self pick-up)
  • 1 x RM5 Grab Ride discount (Malaysian airport rides only)

Unlimited Benefits

  • RM1 GrabFood premium delivery discount
  • JustGrab (Top-Rated Drivers) in selected cities (from 9 June 2022 onwards)
  • Earn up to 1.5% in GrabRewards (instead of just 0.5% for non-members)
    You will get 1.5 GrabRewards for every RM1 spent, instead of just RM0.75.
  • Monthly Grab Hot Deals are now limited to GrabUnlimited members.

 

GrabUnlimited : My Humble Opinion

GrabUnlimited is being pitched to the media as a great way to save and earn money (paradoxical, I know!).

At first glance, it does look attractive, offering you 38% or 50% discount vouchers, as well as free delivery vouchers worth RM180. And who doesn’t want to “earn” 1.5%?

The real purpose though is to lock you into their platform, to discourage you from using their rivals / alternatives.

And if you look at the fine print, you will realise that those benefits and vouchers come with caveats that make them much less attractive.

  • You get 1.5 GrabRewards for every RM1 you spend – twice that of non-members, which you can use to redeem discounted Grab vouchers for a rebate “up to 1.5%”.
  • The 50% discount voucher is really a RM8.50 discount voucher with a minimum spend of RM20. The additional discount comes from Grab automatically applying one of the GrabUnlimited RM3 free delivery vouchers. It is also limited to “selected restaurants”.
  • The 38% discount voucher is really a RM7.50 discount voucher with a minimum spend of RM25. The additional discount comes from Grab automatically applying one of the GrabUnlimited RM3 free delivery vouchers. It is also limited to “selected restaurants”.
  • The 15% off Self Pick-Up discount is capped at RM12, which works out to a maximum order value of RM80.
  • The RM3 GrabFood free delivery voucher requires a minimum spend of RM20, and is not valid for Mix & Match orders.
  • The RM3 GrabMart free delivery voucher requires a minimum spend of RM40, and is not valid for Mix & Match orders.

That is why Grab limited their monthly Hot Deals and Top-Rated Drivers to GrabUnlimited members. They used to be available to everyone.

That does not mean it’s a bad idea to subscribe. If you use Grab regularly to order food or grocery deliveries, you can save quite a lot. You just have to make sure you meet the voucher requirements.

And you should definitely not fall into the trap of only using Grab. Always check alternative delivery services to see if they offer a better deal.

Finally, if you do not use Grab regularly (like me), you should obviously not subscribe at all. It would only be a waste of your money.

 

GrabUnlimited : What You Must Know…

GrabUnlimited Membership Cost

GrabUnlimited is a subscription-based membership programme that costs RM4.90 per month, which works out to RM58.80 per year.

New subscribers will be charged 1 sen for the first month, but will have to pay the full subscription price thereafter.

Existing GrabUnlimited members outside of Penang, Kuching and Johor Bahru who subscribed in April and May will be charged only 1 sen in June, but will have to pay the full subscription price from July onwards.

How To Subscribe To GrabUnlimited

Here is what you need to do to subscribe to this plan :

  1. Open the Grab app
  2. Go to Account > Subscriptions
  3. Tap on GrabUnlimited
  4. Review the plan details, and tap on Get this plan
  5. Pay for the subscription using your GrabPay Wallet

GrabUnlimited Automatically Renews Monthly

You may be interested to try out GrabUnlimited due to the 1 sen promotional price for the first month.

But please be warned that once you subscribe, it will automatically renew every month, and you will be charged the full price.

if you don’t want to pay the full price after trying it out, make sure you cancel the plan before the next billing date.

Cancelling GrabUnlimited

This is the official way to cancel your GrabUnlimited subscription :

  1. Open the Grab app
  2. Go to Account > Subscriptions
  3. Tap on GrabUnlimited
  4. Tap on View Details
  5. Tap on Cancel Plan

If you accidentally cancelled your subscription, you can resubscribe anytime before the next billing date at no additional cost.

 

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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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Touch ‘n Go eWallet Is Now Back On Apple App Store!

The Touch ‘n Go eWallet app was quietly restored to the Apple App Store, as quietly as it was removed earlier!

Here is what we know so far…

 

Touch ‘n Go eWallet Is Now Back On Apple App Store!

Apple quietly removed the Touch ‘n Go eWallet (TNG eWallet) from the App Store in the first week of May 2022.

The TNG eWallet download page earlier stated “App Not Available – The app is currently not available in your country or region“.

It was also removed from the App Store search listing. The Boost eWallet now appears, instead of the TNG eWallet.

Even though the Touch ‘n Go eWallet app is no longer available in the Apple App Store, you can continue to use it if you had already installed it earlier.

The TNG Digital team stated that they are working to resolve the issue with Apple, and confirmed that the app that is installed in your iPhone will continue to work with all features fully-functioning.

Fortunately, the Touch ‘n Go eWallet (TNG eWallet) app was quietly restored to the Apple App Store on 11 May 2022.

 

Was Touch ‘n Go eWallet NFC Feature Removed For Apple Users?

Neither Apple nor Touch ‘n Go eWallet stated why the TNG eWallet app was removed from the App Store.

At that time, believed Apple removed it because of the recently-added NFC top-up feature for physical Touch ‘n Go cards.

That’s because Apple Pay is the only mobile wallet / eWallet allowed to use the iPhone and iPad’s NFC capabilities  for contactless payments.

That limitation has resulted in an antitrust charge by the European Union :

The European Commission has informed Apple of its preliminary view that it abused its dominant position in markets for mobile wallets on iOS devices. By limiting access to a standard technology used for contactless payments with mobile devices in stores (‘Near-Field Communication (NFC)’ or ‘tap and go’), Apple restricts competition in the mobile wallets market on iOS.

The Commission takes issue with the decision by Apple to prevent mobile wallets app developers, from accessing the necessary hardware and software (‘NFC input’) on its devices, to the benefit of its own solution, Apple Pay.

However, the newly-approved Touch ‘n Go eWallet version 1.7.73 continued to feature the NFC reload option.

Therefore, it seems more likely that Apple removed the app earlier due to the Face Verification feature in the Touch ‘n Go eWallet app.

In fact, the new Touch ‘n Go eWallet version 1.7.73 now lacks the Face Verification feature. Their FAQ also stated that :

Face verification is being upgraded for iOS users, this feature will be temporarily disabled. Kindly use your PIN as alternate authentication.

The previous version of Touch ‘n Go eWallet could have contravened this App Store Review Guidelines rule :

2.5.13 Apps using facial recognition for account authentication must use LocalAuthentication (and not ARKit or other facial recognition technology) where possible, and must use an alternate authentication method for users under 13 years old.

But at least Apple iPhone users can rest assured that they will continue to get the latest Touch ‘n Go eWallet app. They just have to live without the Face Verification feature for now…

 

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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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Why Was Touch ‘n Go eWallet Removed From App Store?!

The Touch ‘n Go eWallet app was just removed from the Apple App Store!

Here is what we know so far…

 

Touch ‘n Go eWallet Removed From Apple App Store!

Apple quietly removed the Touch ‘n Go eWallet (TNG eWallet) from the App Store a few days ago.

The TNG eWallet download page now states “App Not Available – The app is currently not available in your country or region“.

It was also removed from the App Store search listing. The Boost eWallet now appears, instead of the TNG eWallet.

Interestingly, the download page in the official Touch ‘n Go eWallet website is also not functioning, with a 404 error – Page not found.

It is however still available in the Google Play Store, so Android users can still download it just fine.

Even though the Touch ‘n Go eWallet app is no longer available in the Apple App Store, you can continue to use it if you had already installed it earlier.

The TNG Digital team stated that they are working to resolve the issue with Apple, and confirmed that the app that is installed in your iPhone will continue to work with all features fully-functioning.

This does not mean the removal is to be taken lightly. Until the app is restored to the App Store, you will no longer be able to update the app.

Over time, you may lose out on new features. But more importantly, you will no longer receive security and fixes.

 

Why Was Touch ‘n Go eWallet Removed From App Store?!

Neither Apple nor Touch ‘n Go eWallet stated why the TNG eWallet app was removed from the App Store.

However, I believe Apple removed it because of the recently-added NFC top-up feature for physical Touch ‘n Go cards.

That’s because Apple Pay is the only mobile wallet / eWallet allowed to use the iPhone and iPad’s NFC capabilities  for contactless payments.

That limitation has resulted in an antitrust charge by the European Union :

The European Commission has informed Apple of its preliminary view that it abused its dominant position in markets for mobile wallets on iOS devices. By limiting access to a standard technology used for contactless payments with mobile devices in stores (‘Near-Field Communication (NFC)’ or ‘tap and go’), Apple restricts competition in the mobile wallets market on iOS.

The Commission takes issue with the decision by Apple to prevent mobile wallets app developers, from accessing the necessary hardware and software (‘NFC input’) on its devices, to the benefit of its own solution, Apple Pay.

If this was the reason for the TNG eWallet app’s removal, it will be yet another example of Apple’s egregious anti-competitive nature, and yet another strike against their walled garden.

If they continue to lock down the NFC feature on the iPhone / iPad to force the use of Apple Pay, they will invite more anti-trust actions, and possibly turn people to the Android platform.

Unfortunately, there’s really nothing much Apple users can do.

 

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Name : Adrian Wong
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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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Penang Smart Parking : RM4.40 Glitch Fixed!

The Penang Smart Parking glitch that reduced everyone’s account balance to just RM4.40 has been FIXED!

Here is what you need to know…

 

Penang Smart Parking Glitch Reduced Balance To RM4.40!

On 19 January 2022, drivers in Penang received a surprise when their Penang Smart Parking app showed a balance of just RM 4.40.

Many took to social media to ask if their accounts were hacked, or claim that the Penang Smart Parking app was hacked.

Currently, it does NOT appear to be a hack, as everyone reported the same RM4.40 balance in their account.

 

Penang Smart Parking Glitch Fixed, Balances Synced By Tomorrow!

When the problem first cropped up, the Penang Smart Parking team asked the public not to worry if their account balance shows RM4.40, as their eWallet balances remain secure and intact.

At 5:51 PM, the PSP team announced that they successfully fixed the problem, and restored the correct eWallet record.

All transactions will be synchronised after operating hours today at 6:00 PM, and is expected to be completed by 6 AM on 20 January 2022.

 

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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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Scam Alert : TnG eWallet 5th Anniversary Survey!

Please watch out for the TnG eWallet 5th Anniversary survey scam!

Find out why it is just a SCAM, and WARN your family and friends!

 

TnG eWallet 5th Anniversary Survey Scam Alert!

People are now sharing the TnG eWallet 5th Anniversary messages on WhatsApp :

Touch n’Go eWallet 5th Anniversary!

Click to enter to participate in the survey, have a chance to win 2000 Ringgit .

 

TnG eWallet 5th Anniversary Survey : Why This Is A Scam

Unfortunately, this is yet another survey scam, like the FamilyMart 70th Anniversary scam!

For one thing – the TnG eWallet was only launched in July 2017, so it would only be celebrating its 5th anniversary in July 2022!

TnG eWallet also confirmed that this survey is a scam.

I know many of us are in dire straits during this COVID-19 pandemic, having lost jobs, income or even loved ones.

Unfortunately, scammers are counting on our desperation to prey on us, using the same survey scam they have been using for years :

Now, let me show you how to spot these scams next time!

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

Warning Sign #1 : Bad Grammar

Most of these scammers do not have a good command of the English language, so if you spot bad grammar, stay away.

This scammer even got the spelling of the brand wrong! It’s Touch ‘n Go, not Touch n’Go.

Proper contests or events sponsored by major brands like TnG eWallet will have a PR or marketing person who will vet the text before allowing it to be posted.

Warning Sign #2 : Offering You Free Money Or Gifts

Please do NOT be naive. No one is going to give you money or free gifts just to participate in a survey!

Touch ‘n Go isn’t going to give you so much FREE money, just because it’s their anniversary.

They are a corporation whose business is to make money, not a charity to give you free money.

Warning Sign #3 : Not Using The Real Domain

A genuine TNG eWallet campaign would use their real domain – www.touchngo.com.my or www.tngdigital.com.my, not di47823.shop as shown in the scam post above.

Or they would run it off the official TnG eWallet page on Facebook – www.facebook.com/touchngoewallet/.

If you see nonsensical domains like childrerdg.xyz, uglyarticle.club, ldxqw.bar, etc. that’s a sign of a SCAM!

Warning Sign #4 : Asking You To Forward The Offer

No matter how many times you “try” this scam, you will ALWAYS win the RM 2000 “prize”.

If you don’t find that odd, you should know that no brand will insist that you must share the offer with 5 groups or 20 friends on WhatsApp.

Do not click to forward their offer to your family and friends. They will not appreciate being scammed with your help!

Warning Sign #5 : Asking You To Download + Register An App

If you click through and joined the fake survey scam, you may eventually be asked to download and register for an app.

That is VERY DANGEROUS. Never agree to download and register for any unknown app from a website.

Always download your apps from an official App Store like Google Play Store (for Android smartphones) and Apple App Store (for iPhones).

 

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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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TNG RFID Self-Fitment Guide : How To Do It Yourself!

Did you know that you can purchase and self-fit TNG RFID tags at home?

Here is our guide on how to purchase and fit the TNG RFID tag by yourself!

 

TNG RFID Tag : What Is It?

TNG RFID is an electronic payment system that uses an RFID (radio-frequency identification) tag to pass through tolls.

The RFID Tag is affixed to the vehicle’s windscreen or headlamp, and linked to the user’s Touch ‘n Go eWallet account.

Whenever the vehicle approaches a toll, an overhead scanner its encrypted code and automatically deducts the fare, allowing the user to pass without stopping.

 

TNG RFID Tag : Where To Buy?

You can now purchase the TNG RFID tags for RM 35 at these two official online stores :

Please buy only from the two official TNG online stores above. We do NOT recommend buying from third-party stores, because they may not be authentic.

 

TNG RFID Self-Fitment Step 1 : Install It On Your Vehicle

Here is a handy video guide on how to install the RFID tag on your vehicle :

  1. Clean the surface of the windscreen or headlamp
  2. Peel off the RFID tag from the Self-Fitment Kit
  3. Attach theRFID Tag either to :
    a) the exterior of the upper left windscreen, or
    b) the left headlamp of the vehicle

 

TNG RFID Self-Fitment Step 2 : Register + Activate Your Tag

  1. Register a Touch ‘n Go Mobility eXperience account at mx.touchngo.com.my.
  2. Log into your Mobility eXperience account.
  3. Register your TNG RFID Tag number.

  1. Add your vehicle number to pair your RFID Tag with it.

  1. Add your mobile number to link your RFID Tag to your Touch ‘n Go eWallet.

That’s it! Now you just have to wait for an activation SMS in the next 24 hours, before you can start using your new RFID Tag!.

 

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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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TNG RFID Will Finally Be Operational On PLUS Highway!

After almost 2 years of delay, TNG RFID will finally be operational on the PLUS Highway from 15 January 2022 onwards!

Here is what you need to know…

 

TNG RFID @ PLUS Highway : Originally Scheduled For April 2020!

TNG RFID is an electronic payment system that uses an RFID (radio-frequency identification) tag that is affixed to the vehicle’s windscreen or headlamp, and linked to the user’s Touch ‘n Go eWallet account.

The TNG RFID Tag is linked to the user’s Touch ‘n Go eWallet account, and whenever your vehicle approaches a toll, an overhead scanner its encrypted code and automatically deducts the fare, allowing you to pass without stopping.

This system was originally meant to be implemented on the PLUS highway in April 2020, but was repeatedly delayed until now…

Read more : TNG RFID Self-Fitment Guide : How To Do It Yourself!

 

TNG RFID Will Finally Be Operational On PLUS Highway!

On 16 December 2021, the Malaysia Ministry of Works (KKR) announced that the TNG RFID system will be activated from 15 January 2022 onwards for Class 1 light vehicles from the Juru toll in Penang to the Skudai toll in Johor Bahru.

This is part of the Ministry’s Intelligent Transport System (ITS) blueprint, which includes the Multi Lane Free Flow (MLFF) toll system.

With the RFID system enabled, motorists will be able to pass through RFID tolls at up to 30 km/h, with the convenience of automatic top-ups.

Don’t worry if you don’t have your RFID tag yet. PLUS highway tolls will still support Touch ‘n Go cards and SmartTAG. Support for these legacy payment methods will be gradually reduced to allow for more RFID lanes.

You can purchase the TNG RFID tags for RM 35 at these two official online stores :

Please buy only from the two official TNG RFID online stores above. We do NOT recommend buying from third-party stores, because they may not be authentic.

 

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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GrabPay Scam : Don’t Link Your Debit Card / Bank Account!

Beware of a new GrabPay scam that can quickly suck your debit cards and bank account dry!

Don’t link your debit card or bank account with GrabPay, and SHARE this warning with your family and friends!

 

GrabPay Scam Alert : Don’t Link Your Bank Account!

On 16 May 2020, Muhammad Syahir recounted how he was cheated of almost RM 900 through a GrayPay scam. Here is a brief summary of what happened :

  • The scammer created a new Instagram account, pretending to be the victim’s friend.
  • He messaged the victim asking for his phone number.
  • After receiving the victim’s phone number, he messaged him through Instagram to tell him about the GrabPay 8th Anniversary Campaign.
  • The victim was asked to look out for a GrabPay code, which would reveal what he won.

  • After sending the GrabPay code (not a TAC code) to the scammer, the victim saw RM 425 being debited into his GrabPay account. Unbeknownst to him, that money was from his own bank account!
  • A few minutes later, the victim received a notification that the RM 425 was paid to UNIPIN (M) SDN. BHD.
  • The scammer messaged him again on Instagram, asking for a second code that was sent to the victim.
  • The victim then received another notification from GrabPay stating that another RM 425 was paid to UNIPIN (M) SDN. BHD.
  • After that, the scammer blocked the victim on Instagram. That was when the victim got suspicious.
  • When the victim checked his bank account, he discovered that he lost RM 896.30 to the scammer.
  • In total, the scammer made 5 withdrawals through GrabPay – four from his debit card, and one from his bank account.

Another person – Patrick Saw – also fell for the same GrabPay scam, losing RM 405.

 

GrabPay Scam Alert : GrabPay Flaws?

Muhammad Syahir highlighted what he felt were major flaws with GrabPay :

  1. GrabPay allows credit / debit card transactions without CVV verification or OTP from the bank.
  2. GrabPay will not notify you about any first-time login attempt of a different gadget in a different location.
  3. GrabPay does not require users to set-up a secured PIN for any big transactions – e.g. more than RM100.
  4. If your bank account is linked to your GrabPay e-wallet, there won’t be any SMS notification for bank transfers to your e-wallet.

According to his experience, the scammer only needed to use the Grab Activation Code to withdraw money from all bank accounts / debit cards linked to your GrabPay app.

 

GrabPay Scam Alert : How To Avoid It?

To avoid falling prey to such a scam, here is what you should do :

  • NEVER accept a friendship request from a new social media account, until you have verified with your friend (through a phone call or face-to-face) that he/she created that new account.
  • NEVER send any code you receive to anyone. Even if it is a friend, why does he/she need the code that was sent to YOU?
  • Businesses will never give away free money for anniversaries. Don’t fall for such an old trick!
  • NEVER link your debit card or bank account to an e-wallet. Only link a credit card, because they are insured and protected against fraud. If you get scammed, you can call the bank to ask for a refund.

 

GrabPay Scam Alert : Original Post + Police Report

Here was what Muhammad Syahir posted earlier, together with his police report :

SCAM ALERT VIA GRAB PAY!
It happened to me last night and I have lost almost RM1K in a few minutes via Grab Pay.

The incident happened when one of my close friends re-created a new Instagram account and requested to follow me. He messaged me and asked for my phone number via Instagram message. Without any doubt, I gave him my phone number, knowing that he probably has lost my phone number.

He posted a few photos to his newly-created Instagram account so it does not look like a phishing account.

After that, he sent another message to me about GrabPay 8th year special campaign. He was telling me that I will send a message with a code to your phone and please let me know the code and I will see what you have won.

Grab Activation Code was sent to my phone number. It was an activation code not TAC code. I gave the activation code to him without any doubt because I know that he is my friend. Also, I was thinking of this is just an activation code, it has nothing to do with my bank accounts.

The tricks started here. I saw RM425 was debited to my GrabPay account and I did not know that it was from my bank account which was linked to the GrabPay account. After a few minutes, I received a new notification from the GrabPay that RM425 was paid to UNIPIN (M) SDN BHD.

The scammer then messaged me again on Instagram. Another activation code was sent to your phone, please let me know the code. Then, I have received another notification from GrabPay that another RM425 was paid to UNIPIN (M) SDN BHD.

When I was about to reply him a message, he blocked me up. That was the time that I know something fishy has happened. When I checked my Maybank2u, I have lost a total amount of RM896.30 from my bank account. The scammer has cleared all the money in my bank account and left RM60 balance to my GrabPay.

The scammer did a total of 5 transactions as you can see from my GrabPay activity picture below. 4 transactions were made directly via debit card which is linked to my GrabPay account and 1 transaction was made via Maybank2u. The scammer even managed to access my Maybank2u account from the GrabPay account.

It happened to me in a blink of an eye where you were blinded by this scammer who cat fished your close friend to do this scam.

On top of that, let me highlight the flaws of the GrabPay app:

1) Grab allows credit/debit card transaction without the bank’s authorization OTP and also the CVV verification.
2) Grab does not notify the user via email for any first-time login attempts of different gadgets in different location.
3) Upon registering this app for the past few years, Grab did not put a clause for the users to mandatorily set up their secured pin for any big transactions that are more than RM100.
4) Your bank account that is linked to your GrabPay will not notify you via sms for any debit transaction from the bank to the GrabPay.

*The scammer just need the Grab Activation Code and he can take all the money from your linked bank accounts on the Grab app. Such a flaw app!

Please be aware of this scam and help me to share this news. I have also tag a person who has faced the same case last week. You may also check on his Facebook profile. Patrick Saw has lost RM405 from the scammer who has approached him the same way as mine.

 

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TNG RFID Tags : How To Get One FREE @ Shell!

If you missed your last chance to get a free TNG RFID tag, don’t worry. Shell and TNG are offering another chance to get a free TNG RFID tag!

Here are the details on HOW and WHERE you can get yourself a free TNG RFID tag from Shell!

 

TNG RFID Tags : How To Get One FREE @ Shell!

To promote TNG RFID tags before they start implementing RFID fuel payments, Shell and Touch ‘n Go will give away 10,000 free TNG RFID tags at select Shell stations!

To get a free TNG RFID tag, all you have to do is spend at least RM50 using your Touch ‘n Go eWallet at these Shell stations.

  • Shell Wangsa Maju 2
  • Shell Taman Connaught
  • Shell STN Minyak Kota Warisan 1
  • Shell PLUS Highway Jalan Duta Klang Bound (entrance of NKVE Jalan Duta)
  • Shell Desa Aman Puri
  • Shell Jalan Kuchai Lama 2
  • Shell Kota Damansara Seksyen 6
  • Shell Sri Hartamas
  • Shell Jalan Kepong 2 (Lot 4086 Jalan Kepong)
  • Shell Jalan Cheras KM 5.5 (PT 7430 HSD)

But please note again that they only have 10,000 free TNG RFID tags to give away, and this promotion will only last from 15 February to 31 March 2020.

So go get your free TNG RFID from those select Shell stations ASAP!

 

TNG RFID Tag : What Is It?

TNG RFID is an electronic payment system that uses an RFID (radio-frequency identification) tag to pass through tolls.

The TNG RFID Tag is affixed to the vehicle’s windscreen or headlamp, and linked to the user’s Touch ‘n Go eWallet account.

Whenever the vehicle approaches a toll, an overhead scanner its encrypted code and automatically deducts the fare, allowing the user to pass without stopping.

It can be purchased from Touch ‘n Go fitment centres for RM 35, and comes with a one-time replacement on the same vehicle (no time period).

 

TNG RFID Tag : Which Highways Support It?

The TNG RFID Tag is currently enabled for all Class 1 vehicles at these highways :

  1. Ampang-Kuala Lumpur Elevated Highway (AKLEH)
  2. Besraya Expressway (BESRAYA)
  3. Butterworth – Kulim Expressway (BKE)
  4. Butterworth Outer Ring Road (BORR)
  5. Duta – Ulu Kelang Expressway (DUKE)
  6. Guthrie Corridor Expressway (GCE)
  7. Cheras – Kajang Highway (GRANDSAGA)
  8. Lebuhraya Grand Sepadu (GRANDSEPADU)
  9. Jambatan Sultan Abdul Halim Muádzam Shah (JKSB)
  10. Penang Bridge (JPP)
  11. Shah Alam Expressway (KESAS)
  12. Kuala Lumpur – Karak Expressway (KLK)
  13. Lebuhraya KL – Kuala Selangor (LATAR)
  14. Lebuhraya Damansara-Puchong (LDP)
  15. Lebuhraya Kajang – Seremban (LEKAS) (Ampangan Plaza only)
  16. Lebuhraya Laluan Kedua Malaysia-Singapura (LINKEDUA)
  17. Lebuhraya Kemuning – Shah Alam (LKSA)
  18. Maju Expressway (MEX)
  19. New Pantai Expressway (NPE)
  20. Projek Lebuhraya Utara Selatan (PLUS)
    – Toll Plaza Mambau
    – Toll Plaza Lukut
    – Toll Plaza Kempas
    – Toll Plaza Lima Kedai
    – Toll Plaza Perling
    – Toll Plaza Tanjung Kupang
    – Toll Plaza Bangunan Sultan Iskandar
    – Toll Plaza Jitra
  21. Kajang Dispersal Link Expressway (SILK)
  22. SMART Highway (SMART)
  23. Sistem Penyuraian Trafik KL Barat (SPRINT

Touch ‘n Go also shared that the PLUS highways will fully implement their RFID system in April 2020.

 

TNG RFID Tag : Where To Get It?

There are about 80 mobile fitment booths nationwide, with three permanent fitment centres in the Klang Valley :

[adrotate group=”2″]

DUKE R&T Tol Segambut

Address : Plaza Tol Segambut, Kepong, Kuala Lumpur
Opening Hours : Mon to Sun (10 AM to 8 PM)
Location : Google Map | Waze

Giant Hypermarket Kelana Jaya

Address : No 33, Jalan SS6/12, Kelana Jaya, Selangor
Opening Hours : Mon to Sun (11 AM to 8 PM)
Location : Google Map | Waze

Touch ‘n Go Customer Experience Centre

Address : Tower 2A, Avenue 5, No. 8, Jalan Kerinchi, Kuala Lumpur
Opening Hours (Mon to Thu) : 9 AM to 1 PM, 2 PM to 5 PM
Opening Hours (Friday) : 9 AM to 12:30 PM, 2:30 PM to 5 PM
Location : Google Map | Waze

 

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TNG + Shell Announce RFID Fuel Payment + Offers!

Touch ‘n Go and Shell Malaysia just announced that they will introduce RFID fuelling through the use of TNG RFID. They also announced two promotions to promote TNG RFID at Shell stations!

 

TNG + Shell Announce RFID Fuel Payment

Touch ‘n Go and Shell Malaysia will sign a memorandum of understanding to introduce and use TNG RFID for fuel payments at Shell stations nationwide.

The introduction of TNG RFID fuelling will add a new benefit for TNG RFID users that currently number over 1 million to date.

The TNG RFID tag has an embedded radio-frequency chip, and is installed on the windscreen or headlamp of the vehicle.

An overhead scanner at the fuelling bay will read the signal from the TNG RFID tag, and deduct the cost of the fuel from the user’s TNG eWallet.

 

TNG + Shell Announce RFID + eWallet Offers

To spur the use of TNG RFID, Touch ‘n Go and Shell also announced two offers :

  • 15 February to 31 March 2020 : They will give away 10,000 free TNG RFID tags at select Shell stations to car owners who spend at least RM 50 using their Touch ‘n Go eWallet.
  • 17 February to 14 March 2020 : e-Tunai recipients will receive a cash back of RM 5 + RM 2 when they spend a minimum of RM 20 using their Touch ‘n Go eWallet at Shell stations nationwide.

Recommended : TNG RFID Tags : How To Get One FREE @ Shell!

 

TNG RFID Tag : What Is It?

TNG RFID is an electronic payment system that uses an RFID (radio-frequency identification) tag to pass through tolls.

The TNG RFID Tag is affixed to the vehicle’s windscreen or headlamp, and linked to the user’s Touch ‘n Go eWallet account.

Whenever the vehicle approaches a toll, an overhead scanner its encrypted code and automatically deducts the fare, allowing the user to pass without stopping.

It can be purchased from Touch ‘n Go fitment centres for RM 35, and comes with a one-time replacement on the same vehicle (no time period).

 

TNG RFID Tag : Which Highways Support It?

The TNG RFID Tag is currently enabled for all Class 1 vehicles at these highways :

  1. Ampang-Kuala Lumpur Elevated Highway (AKLEH)
  2. Besraya Expressway (BESRAYA)
  3. Butterworth – Kulim Expressway (BKE)
  4. Butterworth Outer Ring Road (BORR)
  5. Duta – Ulu Kelang Expressway (DUKE)
  6. Guthrie Corridor Expressway (GCE)
  7. Cheras – Kajang Highway (GRANDSAGA)
  8. Lebuhraya Grand Sepadu (GRANDSEPADU)
  9. Jambatan Sultan Abdul Halim Muádzam Shah (JKSB)
  10. Penang Bridge (JPP)
  11. Shah Alam Expressway (KESAS)
  12. Kuala Lumpur – Karak Expressway (KLK)
  13. Lebuhraya KL – Kuala Selangor (LATAR)
  14. Lebuhraya Damansara-Puchong (LDP)
  15. Lebuhraya Kajang – Seremban (LEKAS) (Ampangan Plaza only)
  16. Lebuhraya Laluan Kedua Malaysia-Singapura (LINKEDUA)
  17. Lebuhraya Kemuning – Shah Alam (LKSA)
  18. Maju Expressway (MEX)
  19. New Pantai Expressway (NPE)
  20. Projek Lebuhraya Utara Selatan (PLUS)
    – Toll Plaza Mambau
    – Toll Plaza Lukut
    – Toll Plaza Kempas
    – Toll Plaza Lima Kedai
    – Toll Plaza Perling
    – Toll Plaza Tanjung Kupang
    – Toll Plaza Bangunan Sultan Iskandar
    – Toll Plaza Jitra
  21. Kajang Dispersal Link Expressway (SILK)
  22. SMART Highway (SMART)
  23. Sistem Penyuraian Trafik KL Barat (SPRINT

Touch ‘n Go also shared that the PLUS highways will fully implement their RFID system in April 2020.

 

TNG RFID Tag : Where To Get It?

There are about 80 mobile fitment booths nationwide, with three permanent fitment centres in the Klang Valley :

[adrotate group=”2″]

DUKE R&T Tol Segambut

Address : Plaza Tol Segambut, Kepong, Kuala Lumpur
Opening Hours : Mon to Sun (10 AM to 8 PM)
Location : Google Map | Waze

Giant Hypermarket Kelana Jaya

Address : No 33, Jalan SS6/12, Kelana Jaya, Selangor
Opening Hours : Mon to Sun (11 AM to 8 PM)
Location : Google Map | Waze

Touch ‘n Go Customer Experience Centre

Address : Tower 2A, Avenue 5, No. 8, Jalan Kerinchi, Kuala Lumpur
Opening Hours (Mon to Thu) : 9 AM to 1 PM, 2 PM to 5 PM
Opening Hours (Friday) : 9 AM to 12:30 PM, 2:30 PM to 5 PM
Location : Google Map | Waze

 

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TNG RFID Tag To Cost RM35 From 15 Feb 2020 Onwards!

Touch ‘n Go will start charging RM 35 for their TNG RFID tags starting 15 February 2020. They also announced a RM 100,000 contest to promote TNG RFID! Here are the full details…

 

TNG RFID Tag To Cost RM35 From 15 Feb 2020 Onwards!

During the 18-month pilot programme, Touch ‘n Go has been giving out free TNG RFID tags. That will end when they start charging RM35 for each TNG RFID Tag from 15 February 2020 onwards.

If you want to get your free TNG RFID Tag, you can still do so until 14 February – yes, Valentine’s Day! We strongly recommend you get your free tag ASAP!

All TNG RFID tags are covered by a lifetime one-time replacement warranty, in case they are damaged or vandalised. You only need to purchase a separate RFID tag when you change your car.

In addition, if you add your existing Touch ‘n Go cards to your Touch ‘n Go eWallet to avoid them going dormant. And you will be able to receive your e-refunds on those cards.

Recommended : TNG RFID Tag : Last Places To Get It FREE!

 

TNG RFID Ultimate Toll Pass Contest

Touch ‘n Go also announced a two-month promotion to kickstart their nationwide rollout – the Ultimate RFID Toll Pass!

From 15 February until 15 April 2020, 40 lucky winners will walk away with an Ultimate RFID Toll Pass worth RM 2,500 each in their Touch ‘n Go eWallet!

All you have to do is simply install and register for both the Touch ‘n Go eWallet, and the TNG RFID Tag!

 

TNG RFID Tag : What Is It?

TNG RFID is an electronic payment system that uses an RFID (radio-frequency identification) tag to pass through tolls.

The TNG RFID Tag is affixed to the vehicle’s windscreen or headlamp, and linked to the user’s Touch ‘n Go eWallet account.

Whenever the vehicle approaches a toll, an overhead scanner its encrypted code and automatically deducts the fare, allowing the user to pass without stopping.

 

TNG RFID Tag : Which Highways Support It?

The TNG RFID Tag is currently enabled for all Class 1 vehicles at these highways :

  1. Ampang-Kuala Lumpur Elevated Highway (AKLEH)
  2. Besraya Expressway (BESRAYA)
  3. Butterworth – Kulim Expressway (BKE)
  4. Butterworth Outer Ring Road (BORR)
  5. Duta – Ulu Kelang Expressway (DUKE)
  6. Guthrie Corridor Expressway (GCE)
  7. Cheras – Kajang Highway (GRANDSAGA)
  8. Lebuhraya Grand Sepadu (GRANDSEPADU)
  9. Jambatan Sultan Abdul Halim Muádzam Shah (JKSB)
  10. Penang Bridge (JPP)
  11. Shah Alam Expressway (KESAS)
  12. Kuala Lumpur – Karak Expressway (KLK)
  13. Lebuhraya KL – Kuala Selangor (LATAR)
  14. Lebuhraya Damansara-Puchong (LDP)
  15. Lebuhraya Kajang – Seremban (LEKAS) (Ampangan Plaza only)
  16. Lebuhraya Laluan Kedua Malaysia-Singapura (LINKEDUA)
  17. Lebuhraya Kemuning – Shah Alam (LKSA)
  18. Maju Expressway (MEX)
  19. New Pantai Expressway (NPE)
  20. Projek Lebuhraya Utara Selatan (PLUS)
    – Toll Plaza Mambau
    – Toll Plaza Lukut
    – Toll Plaza Kempas
    – Toll Plaza Lima Kedai
    – Toll Plaza Perling
    – Toll Plaza Tanjung Kupang
    – Toll Plaza Bangunan Sultan Iskandar
    – Toll Plaza Jitra
  21. Kajang Dispersal Link Expressway (SILK)
  22. SMART Highway (SMART)
  23. Sistem Penyuraian Trafik KL Barat (SPRINT 

Touch ‘n Go also shared that the PLUS highways will fully implement their RFID system in April 2020.

 

TNG RFID Tag : Where To Get It?

There are about 80 mobile fitment booths nationwide, with three permanent fitment centres in the Klang Valley :

[adrotate group=”2″]

DUKE R&T Tol Segambut

Address : Plaza Tol Segambut, Kepong, Kuala Lumpur
Opening Hours : Mon to Sun (10 AM to 8 PM)
Location : Google Map | Waze

Giant Hypermarket Kelana Jaya

Address : No 33, Jalan SS6/12, Kelana Jaya, Selangor
Opening Hours : Mon to Sun (11 AM to 8 PM)
Location : Google Map | Waze

Touch ‘n Go Customer Experience Centre

Address : Tower 2A, Avenue 5, No. 8, Jalan Kerinchi, Kuala Lumpur
Opening Hours (Mon to Thu) : 9 AM to 1 PM, 2 PM to 5 PM
Opening Hours (Friday) : 9 AM to 12:30 PM, 2:30 PM to 5 PM
Location : Google Map | Waze

 

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Now Everyone Can Setel Across Malaysia!

PETRONAS just announced that they are rolling out Setel across Malaysia! Now everyone can enjoy the convenience of using Setel to pay at the pump!

 

Setel What?

Setel is a free e-wallet app that was introduced in July 2018, as an e-payment solution for PETRONAS stations.

It lets you remotely pay in the car, refuel it at the pump, and go – without the need to go to the cash counter, or swiping a credit card.

 

Now Everyone Can Setel Across Malaysia!

Initially rolled out only in the Klang Valley, Setel recorded over 3 million transactions as of January 2020.

Thanks to that early success, they decided to roll it out to over 700 PETRONAS stations all over Malaysia. So now, everyone can Setel!

In addition, the app now allows you to redeem Mesra points for fuel directly into the app, offering even more convenience!

 

What To Setel Next?

Setel Ventures CEO Iskandar Ezzahuddin also revealed what features they are planning to add in the near future :

  • Setel Connect : an automated car-to-pump pairing feature that would automatically connect the driver to the pump, allowing for one-touch payments.
  • Setel for Family : family profiles that allow users to pay for fuel and earn Mesra points as a family
  • Flash Sale : you will be able to purchase food, drinks, and more while refuelling, and pick up your purchases from the Setel Pit Stop on the way out.

 

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[adrotate group=”2″]

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Touch ‘n Go eWallet Selected For e-Tunai Rakyat Programme!

The Touch ‘n Go eWallet has been selected to participate in the Malaysian Government’s e-Tunai Rakyat programme!

Here is a quick primer on what it means for Touch ‘n Go eWallet users!

 

Touch ‘n Go eWallet Selected For e-Tunai Rakyat Programme!

The e-Tunai Rakyat programme is initiative announced by the Malaysian Ministry of Finance under Budget 2020.

Under this initiative, every Malaysian above 18 years old earning less than RM 100,000 annually will be entitled to receive RM 30.

The e-Tunai Rakyat campaign will start on 15 January 2020, and run for 2 months until 14 March 2020. Claims can be made, and utilised within this time frame.

Touch ‘n Go eWallet has been selected as one of the e-wallets to funnel the funds to eligible Malaysians, who will be able to claim and use the funds at any one of their 110,000 merchant acceptance points.

Users can also use the funds to payments for mobile reloads, in-app purchases like street parking and toll payment though PayDirect and RFID.

 

How To Claim e-Tunai Rakyat For Touch ‘n Go eWallet

To be eligible to make the e-Tunai Rakyat claim through the Touch ‘n Go eWallet, follow these steps :

  1. Register for a Touch ‘n Go eWallet account
  2. Complete the Account Verification (eKYC) process
    – You will be required to take a photo of your MyKad, a selfie and fill in your details
  3. After verification, you will be able to claim your RM30 starting 15 January 2020.

 

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XOX Mobile Introduces XOX Prepaid Mastercard Card

XOX Mobile and Mastercard announced their jointly-developed XOX Prepaid Mastercard Card today. Here is everything you need to know!

 

XOX Prepaid Mastercard Card

Mastercard approved XOX Berhad as an issuer in May 2019, and now they are announcing the official launch of the XOX Prepaid Mastercard Card.

It is basically a prepaid card tied to their E-Money e-wallet platform, offered as a value-added service to their existing subscribers.

 

XOX Prepaid Mastercard Card + XOX E-Money

They are both targeted at XOX Mobile subscribers, limiting their reach in a saturated market with countless alternative e-wallets.

[adrotate group=”2″]

However, XOX says that they have a captive market in their subscribers, which they claim number some 2.5 million.

With the new XOX Prepaid Mastercard Card, XOX Mobile subscribers will be able to make secure payments at Mastercard merchants, with the option for either a virtual or a physical card.

They will also have the convenience of managing the card through a dedicated XOX Mobile app, the same app where subscribers can check on their balance, top-up, transaction history and spending habits.

 

XOX Prepaid Mastercard Card Availability

The XOX Prepaid Mastercard Card is not available just yet. They only plan to roll it out by the end of 2019, or early 2020.

 

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Razer Pay Review – Definitely Not Ready For Prime Time!

Razer Pay came out in full force at MyFintech Week 2019, but we were very disappointed with what we discovered when we tried it out for ourselves.

We found some truly mind-boggling issues and bizarre design choices in Razer Pay. We reached out to the Razer Pay team for their feedback, and hope they will fix these issues ASAP!

 

Razer Pay

From what we understand, the current Razer Pay app is a brand new app. No longer a reskinned version of MOLPay they bought over last year.

Yet it feels half-baked, even though it is chock-full of features. You can transfer money to your friends, perform mobile top-ups, and even purchase game credits or streaming services.

 

Why Razer Pay Is Still Not Ready For Prime Time

Installation was a breeze, but once we started the registration process, we noticed a few troubling things…

Issue #1 : No Confirmation Of Critical Information

Razer Pay will require you to key in three pieces of critical information :

  • a password to protect your app, and ensure that only you can access it and make changes
  • a passcode to authorise payments
  • your email address for verification and password recovery

A mistake in any of the above will result in a registration failure, or worse – getting locked out of your own Razer Pay account.

This is why most app designers will insist that you key in those information TWICE, so they can verify that you entered them correctly.

Unfortunately, the Razer Pay team chose to ignore industry best practices… so GG to those who are prone to typos…

Issue #2 : SMS OTP Failure

After you key in your phone number, Razer Pay will send a 6-digit One Time Password (OTP) to your phone number.

However, the OTP SMS never arrived.

Fortunately, they did not forget to include a Resend code option, because everyone we knew who tried it over a few days received it only on the second try.

Corrected : After we pointed out to them, Razer Pay said they switched to a different OTP service provider.

These things happen, of course, but considering they were demonstrating and promoting the app and service at MyFintech Week 2019, they should have gone with a more reliable service provider.

Issue #3 : Your Registration Will Fail If You Use A Referral QR Code

Now this was really bizarre… Using a referral QR code will cause the account registration to fail.

It will just get stuck at “Creating your account…

In the end, you will have to kill the app, which means losing whatever you keyed in earlier.

But don’t waste your time trying again, because it will keep failing…

Corrected : After we pointed out to them, the Razer Pay team identified the problem and resolved it for Android users… but iOS users had to wait a few more days for the fix.

Issue #4 : They Use Your Phone Number As The Personal Invite Code!

Razer Pay offers you a pitiful RM 1 (US$0.24) for each person you refer. But to support your endeavour to earn a free cup of coffee, they offer you two options – a QR code and a manual code.

When you click to share the code manually, you will note that it lists your PHONE NUMBER as the Personal Code!

This would be a SERIOUS breach of privacy, if they are actually using your phone number as the referral code, even if it was hidden in a QR code.

After all, many people post their referral codes online, and do not expect to share their phone numbers, which are highly personal and private…

The Razer Pay team later clarified that when you click on the Share icon, the app will generate a QR code with an encrypted invitation code, like this :

https://api-my.pay.razer.com/v1/creatingInvitationLinks?inviteCode=edc34d7b95f740a7a213f04fd212eacc&country=Malaysia

Apparently, that encrypted invitation code is generated using your actual phone number… so someone on their team decided to put it there.

It’s mind-boggling why they decided to post your phone number under Share Your Invite Code, because it would only lead users to assume that their phone number is the actual referral code.

And even though it’s encrypted, anyone would be able to figure out your actual phone number if they have the encryption algorithm (through hacking or leaks). It would be better to create a separate account number, which offers an additional layer of obfuscation.

Not Corrected : Razer Pay said that they would remove the phone number as Personal Code, but as of today, it is still there.

Issue #5 : The Manual Referral Code Does Not Work

Razer Pay actually includes an option to key in a referral code manually. That implies two things :

  • the Personal Code (as shared in Issue #4) is the manual referral code
  • you can install Razer Pay and add your friend’s referral code after registration

However, neither are true… because even if you try to use the phone number, you will get the error code that “This code does not exist“.

If you extract the encrypted code (e.g. edc34d7b95f740a7a213f04fd212eacc) and key that in instead, you will get a different error code in broken English – “You register before accepting the invitation, you cannot accept the invitation

In other words, the manual referral code entry option is pointless, because there is no way to add any referral code after you register

According to Razer Pay, the problem may occur if the code is generated after the user registers his or her account.

However, we tried this with another account and it didn’t work. Oh well…

 

Razer Pay Still Has A LONG Way To Go

Now everyone and their grandfathers want to create their own e-wallet. It’s getting really absurd, because guess what – we all lived with a single wallet but now you want us to juggle multiple e-wallets???

Eventually, people will settle on one, maybe two e-wallets… and for those who are trying to become the e-wallet of choice, it pays to prepare well and execute flawlessly.

For now, Razer Pay still has a long way to go before we will even consider using it as a secondary e-wallet, never mind our primary e-wallet, or an actual replacement for our wallets.

If we have one piece of advice for them, it would be to actually test their app and services before deploying. Generally, users do not like to feel like beta testers, especially when it comes to finance…

Note : We have only commented so far on the registration and referral features. If we start talking about the other features… well, it’s gonna be a really long review!

 

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