Tag Archives: Mobile payment

Is Canada rolling out Social Credit System for Bank Accounts?!

Is Canada rolling out a social credit system that links bank accounts to obedience scores of its citizens?! Take a look at the viral claims, and find out what the facts really are!

Claim : Canada is rolling out Social Credit System for Bank Accounts!

People are sharing an article (archive) by Natural News, which claims that Canada is rolling out a social credit system that links bank accounts to obedience scores of its citizens!

Here is an excerpt of that very long and (intentionally???) confusing article:

Canada rolling out social credit system, citizens’ bank accounts linked to obedience scores

Our neighbors to the north are implementing a new system called “open banking” that will link citizen’s bank accounts to a new social credit scoring system.

Proponents of the social credit score-linked banking paradigm say it will make Canadian banks more “inclusive,” allowing them to easily access user data on demand while being able to share information with one another.

A World Bank partner called Open Banking Excellence (OBE), which originated in the United Kingdom, is proudly boasting right now that it will incorporate social credit scores with people’s banking information in Canada. Canadians will likely receive digital “cash” and identification in a “convenient,” all-in-one and “inclusive” place.

Disturbingly, OBE already operates in some 40 different countries, claiming that it aims to “create exceptional platforms and content that promotes knowledge sharing, new thinking and partnerships within the industry – catalyzing the adoption of Open Finance and Data for better financial inclusion worldwide.”

How forcing Canadians and others around the world to maintain high social credit scores in order to buy and sell constitutes “inclusivity” and “fairness” remains unknown. OBE officials and other proponents of the construct never really say.

Keep in mind that Canada is big on prosecuting “hate” speech. One can only imagine how people found guilty of committing “hateful” anything will be dinged on their social credit scores, disallowing their participation in anything commerce and finance related.

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Truth : Canada is not rolling out Social Credit System for Bank Accounts!

This appears to be yet another example of fake news circulating online, and here are the reasons why…

Fact #1 : Canada Is Not Rolling Out Any Social Credit System!

Let me start by simply pointing out that Canada is not rolling out any social credit system!

In fact, the Department of Finance Canada labelled these allegations as “false”, and said that there are no plans to adopt such a system in a March 20, 2024 email (source).

Any allegation that the Government of Canada is trying to introduce social credit scores is categorically false.

Claims that Canada is rolling out a social credit system along the same lines as China’s social credit system isn’t new (example). It appears to have started in 2021, just before the Canadian federal election.

It was not true back in 2021, and it is not true either in 2024. But it goes to show how fake news can be recycled over time to generate controversy (and money???)

Fact #2 : Natural News Provided No Evidence

I should point out that the Natural News article provided no evidence that Canada is rolling out any social credit system, or that bank accounts will be linked to “obedience scores”.

It merely linked to a Slay News article (archive) which made similar claims, but also did not provide any evidence that Canada is rolling out a social credit system, or that bank accounts in Canada will be linked to a social credit score.

Fact #3 : Open Banking Is Not A Social Credit System

Instead of a social credit system, these articles appear to be pointing at open banking, which is completely different.

Also known as consumer-directed banking, or consumer-led banking, open banking requires banks to “open up” their hitherto private application programming interfaces (APIs) so that consumers can share their financial information securely with other banks or authorised organisations like fintech companies, and payment providers.

Open banking has nothing to do with social credit, and merely allows you – the consumer – to securely share your financial information with other banks, payment providers, and fintech companies that you approve.

Without open banking, you will need to share your financial information manually, and in very insecure ways that can be easily duplicated and shared outside of the approved institutions.

An estimated 9 million Canadians currently share their financial data by providing confidential banking credentials to service providers.

This process, known as screen-scraping, is unsecure and raises security, liability, and privacy risks to consumers and the financial system.

– Department of Finance Canada

Recommended : Is Google Shutting Down Gmail For Good?!

Fact #4 : Open Banking Has Not Even Been Approved In Canada!

Claims that Canada is already rolling out a social credit system through open banking are easily disproven. Not only is open banking not a social credit system, it hasn’t even been approved in Canada!

According to the Department of Finance Canada (archive), the federal government will submit the legislative framework for open banking that will be introduced in Budget 2024, which is slated for 16 April 2024. Even if it is approved, the Canadian government will only introduce open banking in 2025.

To be clear – open banking has not been approved in Canada. Even if it is approved, it won’t be available for use until 2025.

Fact #5 : Open Banking In Canada Will Be Opt-In

I should also point out that the proposed open banking system in Canada is meant to be opt-in, and users will have to consent to share their financial information with the service provider they approve.

In other words – no one can force you to use the open banking system to securely share your financial information.

If you choose to go “old school” and take screenshots that would reveal other private details, and can be freely shared outside of the approved service provider, you do you. Just don’t blame anyone for leaking your personal financial information when you are making it so easy to do that.

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

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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!

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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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!

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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!

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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!

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.

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!

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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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eWallet May Be Blocked If eMADANI Credit Is Transferred!

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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!

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!

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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.

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

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:

received the Rahmah Cash Contribution (Sumbangan Tuna Rahmah) as of 7 November 2023, OR
have an annual income of RM100,000 or less, based on LHDN records as of 15 July 2023

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

How Do You Get The Free RM100 eWallet Credit?

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

Download the eWallet of your choice (from the list of four above) from the Apple App Store, Google Play Store, or HUAWEI AppGallery.
If you have not registered and verified your eWallet account, please do so first.
In the eWallet of your choice, tap on the eMADANI redemption link.
Key in the required information in the eMADANI redemption page, and tap on the Send button.
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
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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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Maybank Online + Card Services Finally Up + Running!

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Maybank just announced that all of its online, mobile and card services are up and running after going offline earlier today! Here is what you need to know…

Maybank Online + Card Services Finally Up + Running!

At 3:46 PM on 7 August 2023, Maybank sent out an alert that all of its online, mobile and card services are temporarily unavailable

Maybank2U web banking services
M2U and MAE mobile banking apps
debit and credit card usage

The only good news is that ATM and counter services appear to be unaffected by this downtime.

This announcement came hours after people started complaining that they could not log into the Maybank website.

As of 4 PM, none of Maybank’s online or mobile services are working. Neither will you be able to use your Maybank debit or credit card to make payments.

Update @ 4:30 PM : Maybank just announced that it restored Maybank2U web, the MAE app, and both debit card and credit card services!

Earlier : Maybank Online + Card Services All Down!

The Maybank downtime appeared to occur at around 1 PM or so, with Maybank initially asking users to switch to the MAE mobile app:

Good day and any inconvenience is much regretted. Based on our checking, the MAE app is operating fine at the moment.uled maintenance to improve your experience and will be back up shortly. Sorry for the inconvenience.

However, some Maybank users soon pointed out that their MAE app wasn’t working either!

Be Right Back!

We’re experiencing communication error. Please try again later.

That’s when Maybank support staff claimed that they were experiencing “intermittent slowness” on their MAE app and Maybank2U web platforms:

Kindly be informed that we are experiencing an intermittent slowness on our MAE App & M2U web platforms.
We are working to resolve the matter as soon as possible. Our sincere apologies for any inconvenience caused. Thank you for your patience and continuous support.

It was only about two hours later that Maybank finally admitted that all of its mobile and online banking services were down, as well as its debit and credit card services.

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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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Anwar Ibrahim Announces Financial Aid For Malaysians!

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Malaysian Prime Minister Anwar Ibrahim just announced a slew of financial aid to help Malaysians deal with inflation this year!

Anwar Ibrahim Announces Financial Aid For Malaysians!

On Thursday, 27 July 2023, Malaysia Prime Minister announced a slew of financial aid during the launch of Ekonomi Madani: Memperkasa Rakyat (Madani Economy: Empowering the People) in Kuala Lumpur.

Here is a summary of the financial aid Anwar Ibrahim announced to help Malaysians deal with inflationary pressures this year.

Adults Earning Less Than RM100K To Get RM100

The Malaysian government will give RM100 e-Tunai cash incentive to all Malaysian citizens aged 21 years and above, earning RM100,000 or less in annual wages.

This cash incentive will be distributed via e-wallet, based on the success and impact of the e-Belia Rahman e-wallet credit rollout programme in the past. This incentive is also expected to spur digital payments, and the economy.

The government estimates that this cash incentive will benefit 10 million citizens in the B40 and M40 categories, and cost the treasury about RM1 billion (about US$ 220.9 million).

The estimated number of eligible recipients is expected to be around 10 million Rakyat comprising those of the B40 and M40 with allocations of around a billion ringgit.

Recommended : Bantuan Tunai Rakyat Malaysia 2023 Scam Alert!

Civil Servants To Get RM300

Civil servants at Grade 56 and below will receive RM300 in special assistance aid within the next two weeks.

This special assistance is expected to benefit 1.3 million civil servants, while they wait for the adjustment of their salaries and allowances.

Government Pensioners To Get RM200

Government pensioners will receive RM200 in special assistance aid within the next two weeks. This special assistance is expected to benefit over a million pensioners.

Civil Servant Salaries To Be Reviewed

The Malaysian government will review the salaries of civil services, and adjust them according to the nation’s financial ability.

Minimum Wage To Be Reviewed

The Malaysian government will review the minimum wage, and explore the progressive wage model to reduce reliance on foreign workers.

120% Financing For Homes <RM300K

The Malaysian government will enhance the Housing Credit Guarantee Scheme (HCGS) provided by the Housing Credit Guarantee Company Berhad (SJKP).

The SJKP will now provide housing loans of up to 120% of the house’s value, for houses worth up to RM300,000. This will allow purchasers to cover the legal cost of the purchase, as well as renovations and furnishing their home.

The government will guarantee the scheme with a fund of RM5 billion (about US$1.1 billion).

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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Can Restaurant Menu QR Code Hack Your Phone?!

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Did the FBI just warn people to avoid using the restaurant menu QR code, because it can hack your phone?!

Take a look at the viral claim, and find out what the facts really are!

Claim : FBI Says Restaurant QR Code Can Hack Your Phone!

People are sharing a Daily Mail article, or screenshots of it, which claims that the FBI just warned people not to use any restaurant menu QR code because it can allow hackers to steal your data!

Here is an excerpt from the Daily Mail article. Feel free to skip to the next section for the facts!

Why you should ALWAYS ask for a physical menu: FBI warns hackers are planting fake QR CODES in restaurants that steal your data when you click the link

Scammers are making fake QR codes to place on top of real ones
This is letting them access smartphones and steal personal data

QR codes have become the new default for accessing restaurant menus across the US post-Covid — but scammers are seizing upon the new practice.

The FBI warns thieves are creating fake QR codes and planting them at eateries, retail shops and even parking meters.

Instead of taking you to an online menu or checkout, the links instantly download malware onto your device, stealing your location and personal information

The FBI has urged consumers to look out for typos or misplaced letters in URLs accessed through QR codes and ask restaurants for a physical menu.

Truth : FBI Did Not Say Restaurant QR Code Can Hack Your Phone!

This appears to be a “misunderstanding” of an actual FBI warning about QR codes. Here is what you need to know about the risks of scanning a QR code for a restaurant menu.

Fact #1 : FBI Issued QR Code Warning In January 2022

I could find no reference to a recent QR code warning by the FBI, and oddly enough, The Daily Mail did not provide a source or link to the FBI warning its article was referring to.

The FBI only released one public service announcement (PSA) about QR codes, and that was Alert Number 1-011822-PSA which was released on January 18, 2022.

If that was the source for the Daily Mail article, then it’s more than a year old, and not recent as the article appears to suggest.

Fact #2 : FBI Warned About General QR Code Risk

The FBI advisory was a general warning about the risks of tampered QR codes. Specifically, it warned about cybercriminals tampering with both digital and physical QR codes.

The FBI is issuing this announcement to raise awareness of malicious Quick Response (QR) codes. Cybercriminals are tampering with QR codes to redirect victims to malicious sites that steal login and financial information.

Cybercriminals tamper with both digital and physical QR codes to replace legitimate codes with malicious codes. A victim scans what they think to be a legitimate code but the tampered code directs victims to a malicious site…

Fact #3 : FBI Advisory Did Not Mention Restaurant / Menu

Interestingly, the entire FBI advisory did not once mention restaurants or menus, and that makes a lot of sense.

It is odd to focus on the risk of using QR codes for online menus in restaurants, when they are used in so many other ways today – from making mobile payments, as mobile tickets, login tokens, etc.

Any security risk involving restaurant menu QR codes would also apply to QR codes used for other purposes. So it really doesn’t make sense for the FBI to “pick on” restaurant menu QR codes.

Fact #4 : QR Code Is Not Malicious In Nature

QR code (which is short for Quick Response code) is not nefarious or malicious in nature. The FB advisory specifically pointed that out – “QR codes are not malicious in nature“.

The QR code is merely a type of two dimensional barcode that was invented in 1994 by the Japanese company, Denso Wave, to track automotive parts. It has since been adopted for other purposes because it is more efficient and can support more than just numbers. For example, Version 40 QR code can contain up to 7,089 numbers or 4,296 characters.

Ultimately, a QR code is nothing more than a series of numbers or characters – data which can be used for a variety of purposes, including providing a link to an online restaurant menu.

Fact #5 : QR Code Can Be Tampered With

It is true that QR codes can be tampered with. In fact, the FBI advisory was issued after Texas police departments discovered fraudulent QR code stickers on parking meters in San Antonio and Austin. Drivers who scanned those fake QR codes were taken to a scam website. instead of the real payment website.

Hence, the FBI issued that warning to remind people to check the URL link to make sure that it is the intended website, and not a phishing page with a similar link. For example, the fake website may use www.quikpay.com when the real website is www.quickpay.com.

To completely avoid this risk, avoid using QR code to access a payment website. Always go directly to the payment website on your smartphone’s web browser by keying in the link yourself. Genuine payment labels with a QR code will often include a direct URL link for you to use as a safer alternative.

Recommended : How To Block Facebook Ads + Pay Scammers!

Fact #6 : Restaurant Menu QR Code Is Low Risk

While scammers can place fraudulent QR codes over genuine ones at restaurants, bars, and other eateries, this is a very unlikely attack vector.

That’s because restaurants often use QR codes to redirect you to an online system to order food and drinks for your table. Imagine if you scan a fraudulent QR code and are asked to key in your credit card details. That would be absurd, and you would surely complain to the waiter since you haven’t even ordered your food!

In most cases, you are not expected to pay at the table using QR code. You either pay using cash / credit card / mobile payment using QR code at the payment counter. Even if that QR code is compromised, the cashier would notice it immediately as any payment made using that QR code would not reflect in the restaurant’s point-of-sale (POS) system.

And payment only occurs after dining – a fraudulent QR code that leads you to a fake website won’t allow you to actually order anything, since it’s not connected to the real restaurant and its ordering system. That’s why this attack vector is highly improbable.

In any case, many restaurants now generate temporary QR codes on disposable paper stubs to avoid this risk. The QR code is only valid for your dining session. The next person to dine at the same table will receive a different QR code.

Fact #7 : QR Code Can Potentially Inject Malware

It is possible for QR code to inject malware into the smartphone that you are using to scan. In fact, there are apps like QRGen that allow scammers / hackers to easily generate malicious QR codes. However, it isn’t quite as simple as the article makes it out to be.

For one thing – malware and exploits are limited to specific operating systems or phone models. For example, an Android exploit / malware won’t work on iPhones. Or an exploit / malware that makes use of an Android 11 vulnerability won’t work on newer / updated Android smartphones since they would have patched the exploit.

Second – any malware will require considerable amounts of code to load. The scammer / hacker will have to use an enormous QR code like the version 40 example below, or it will need to convince you to download and install the malware package itself.

Genuine restaurant menu QR codes are simple – like the version 1 / version 10 examples above, because they only serve a link to their online menu / ordering system. If you see a large and complex QR code like the version 40 example, avoid scanning it, and ask the restaurant staff to verify its authenticity.

Restaurant menu QR codes would also never ask you to download or install anything. They only serve to load a link to an online menu / ordering system, so if you are asked to download or install anything, do NOT proceed, and notify the restaurant.

These tips also apply to other businesses that use QR codes to show you a menu, discounts, offers, information, etc.

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

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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.

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.

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Must You Disable Facebook Auto-Fill To Block Scams?!

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Must you immediately disable Auto-Fill in Facebook to block scams?!

Here is what you need to know about Facebook Auto-Fill, and getting scammed on Facebook!

Claim : Facebook Auto-Fill Opens You To Scams!

People are sharing warnings about Facebook Auto-Fill, together with instructions on how to disable it to block Facebook Ads scams.

Guys check ur Facebook
And make sure these are OFF
this week a lot of MBB customers kena scam

1. Please check your bank account.
2. Please disable ‘auto-fill’ option in Facebook…

Truth : Facebook Auto-Fill Does Not Open You To Scams

There appears to be a spate of scams involving Facebook Ads and Maybank users, but it does not appear to be related to the Facebook Auto-Fill feature, and here are the reasons why…

Fact #1 : Facebook Introduced Auto-Fill In 2013

Facebook started introducing Auto-Fill sometime in September 2013, and gradually rolled it out globally over the years, so this is not a new feature.

Fact #2 : Many App Use Auto-Fill

Facebook isn’t the only app or platform to use Auto-Fill. Many services and platforms use Auto-Fill to make it easier to fill up forms and make payments.

The Auto-Fill feature is used in most, if not all, e-commerce / online shopping / online payment platforms, to expedite payments. The idea is that if they make it easier it is for you to pay, you will tend to buy more!

Many apps and services also use Auto-Fill to help you fill onerous forms with common details like your full name, email address, address and telephone number.

Fact #3 : Facebook Does Not Automatically Have Your Details

Facebook enables Auto-Fill by default for forms and payment, but that does not mean it has access to your debit or credit cards, or even your personal details. You need to manually key in your Contact Info and/or Payment Info for Facebook Auto-Fill to work.

If you have never given Facebook your credit card details, there is no way for its Auto-Fill to automatically fill in the credit card details for any transaction. Even if a scammer gains access to your Facebook account, he/she cannot use Auto-Fill because you never keyed in your debit or credit card details in the first place!

I did a quick check on two cases involving Maybank that came up recently (first example) (second example), and noticed that both parties who reported that they got fraudulently charged for Facebook Ads never registered their credit card with Facebook at all!

So whatever may be going on, it does not appear to be a Facebook Auto-Fill issue. But just in case you are worried, here are the latest steps on how to disable Auto-Fill on the Facebook mobile app.

Tap on your icon at the upper right corner of the Facebook app to access the Menu.
Scroll down the Menu until you see the Settings & privacy group.
Tap on Settings.
Scroll down the Settings & privacy page, and tap on Browser.
Scroll down the Browser settings page to the Auto-fill section.
You can tap on the Contact info and Payment info to check what information you shared with Facebook.
To disable Auto-fill for contact information, unselect Auto-fill contact forms.
To disable Auto-fill for payment, unselect Auto-fill payment forms.

Fact #4 : Auto-Fill Cannot Bypass TAC Verification

Even if you registered your credit card details with Facebook, and then use Auto-Fill to make a purchase, you will still need to authenticate that purchase.

Of course, it is possible to conduct a SIM swap attack, but that’s a different story altogether…

Fact #5 : Existing Facebook Ads Account Is A Risk

Those who have earlier registered a Facebook Ads account and ran advertisements may be at risk, because their credit cards would already be linked to their Facebook Ads account.

A scammer who gains access to their account (usually through phishing attacks) can easily create and run advertisements using their existing Facebook Ads account using the credit cards that have already been registered and approved earlier.

To minimise your risk, never ever use a debit card! Always use a CREDIT CARD, and always keep an eye on the transactions. Report to the bank once you see a fraudulent transaction.

But this has nothing to do with the Facebook Auto-Fill feature, and is not a concern if you never pre-approved your debit or credit cards with a Facebook Ads account.

Fact #5 : Existing Facebook Pay Account Is A Risk

Similarly, if you are using Facebook Pay, a scammer who gains access to your Facebook account could potentially use the debit or credit cards you registered earlier to make fraudulent transactions.

Again, you should NEVER use a debit card with Facebook Pay. Use a credit card, and always keep an eye on the transactions, and report to the bank once you see something fishy.

On top of that, you should enable PIN confirmation for Facebook Pay:

Go to Settings in the Facebook website (not app).
Go to Account Settings, and select Orders and payments.
In the Orders and payments page, select Settings.
In the Security section, select Require PIN Confirmation.
You will be asked to enter a 4-digit number as your PIN.
Key in the 4-digit number again to confirm your PIN.

After that, you will be required to key in the 4-digit PIN whenever you make a payment, or change your bank account details, or connect your payment info with other Meta apps.

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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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TTDI Ramadan Bazaar Offers Full Digital Payments!

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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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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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Watch Out For TNG eWallet SMS Phishing Scam!

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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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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!

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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.

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!

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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.

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.

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