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May 10, 2022 @ 12:10am
LETTERS: Consumers shop online for convenience and savings. However, online shopping poses risks to the consumer.
A Federal Trade Commission of the United States recently reported a steep increase in the number of online scams on social media (e.g Instagram, Facebook and Twitter).
The report highlighted that consumers lost more than US$5.8 million in 2021, a 70 per cent increase from the year before. The most common schemes reported were imposter and online shopping scams.
Malaysia's police reported RM58 million in losses from online shopping scams in 2021.
Most of the losses were through imposter sites duping victims into buying counterfeit goods or making payments to accounts held by syndicates that do not own nor deliver items.
A report by Singapore-based Group-IB, a leading cyber security research firm, highlighted the use of "targeted links" to dupe victims into purchasing goods from imposter sites or as phishing tactics to acquire victim's personally identifiable information (PII), that could be used by crooks to commit identity theft or other fraudulent schemes.
The use of data analytics has been a double-edged sword, which could be used by enforcement personnel and criminals to enhance their modus operandi, which blends elements of digital marketing with typical phishing and spoofing tactics.
Using these methods, criminals could gain instant financial gratification or solicit information which could be monetised through legitimate online platforms or anonymous transactional opportunities on the Dark Web.
It has become common for criminals to pose as representatives of popular brands and use surveys (with promise of rewards at the end) to acquire monies or PII from victims.
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Mei 9, 2022 @ 9:04pm
KUALA LUMPUR: Pelanggan syarikat penerbangan yang berdepan kelewatan berhak menuntut pampasan tertakluk kepada beberapa faktor bagi meneruskan perjalanan.
Menteri Perdagangan Dalam Negeri dan Hal Ehwal Pengguna, Datuk Seri Alexander Nanta Linggi, berkata berdasarkan maklumat diperoleh daripada Suruhanjaya Penerbangan Malaysia (MAVCOM), pampasan itu bergantung kepada punca penundaan atau pembatalan yang berlaku.
Katanya, ia merangkumi makanan, panggilan telefon dan akses internet bagi penangguhan selama dua jam atau lebih, penginapan hotel dan pengangkutan untuk penangguhan selama lima jam atau lebih, pembayaran balik secara penuh atau penerbangan alternatif sekiranya penerbangan dibatalkan.
"Bagaimanapun, satu-satunya pengecualian pampasan patut diberikan apabila berlaku keadaan luar biasa yang mendatangkan risiko keselamatan atau cuaca ekstrim yang mana syarikat penerbangan tidak dapat menjangkakannya.
"Justeru, sekiranya pengguna perkhidmatan penerbangan berpendapat tidak mendapat pampasan sewajarnya, boleh kemukakan aduan rasmi kepada syarikat penerbangan sebelum menghubungi MAVCOM," katanya dalam satu ciapan di Twitternya.
Baru-baru ini, viral di media sosial mengenai rungutan pengguna perkhidmatan sebuah syarikat penerbangan tambang rendah yang berdepan masalah kelewatan hingga mengundang masalah kepada mereka.
Alexander berkata, beliau mengambil maklum mengenai rungutan, aduan dan keluhan disuarakan oleh pengguna berhubung kelewatan penerbangan syarikat itu membabitkan pelbagai destinasi dalam negara.
Read more: Pelanggan syarikat penerbangan boleh tuntut pampasan akibat kelewatan - KPDNHEP
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May 9, 2022 8:30 PM
PETALING JAYA: The price of some brands of cooking oil has gone up by as much as RM10 for a 5kg bottle, says a retailers’ association.
Further increases might be in store, according to the head of the Federation of Sundry Goods Merchants Associations of Malaysia.
Its president, Hong Chee Meng, said that a 5kg bottle of “Red Eagle” and “Knife” brand blended cooking oil currently retails at RM45, compared to the price before the Covid-19 pandemic of between RM30 and RM35, China Press reported.
However, an FMT check on online prices showed “Red Eagle” being sold for between RM38 and RM40.
Hong was quoted as saying that the price of “Buruh”, “Seri Murni” and “Saji” brands, which are produced with 100% palm oil, remain below RM30, because of government subsidies.
Among the causes of the increase were the new minimum wage policy, the depreciation of the ringgit, the Russia-Ukraine war, the lack of foreign workers in palm oil estates, and the increase of sea freight costs, he said.
Hong said it was impossible to predict if the price would continue to surge, but hinted at such a possibility.
“Even if the country allows for foreigners to work in oil palm estates, there are still three other factors that could affect the price of the commodity,” he was quoted as saying.
The recent implementation of the new minimum wage could see retailers up their prices to reap a 10% profit, he said.
Read more: Cooking oil up RM10, trade group fears more increases
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TERBUKA UNTUK PROGRAM LATIHAN INDUSTRI/INTERNSHIP
Kami daripada Gabungan Persatuan-persatuan Pengguna Malaysia (FOMCA) sedang mencari pelajar Diploma atau Ijazah Sarjana Muda (Degree) yang ingin menyertai kami sebagai pelajar internship/latihan industri sepanjang tahun 2022.
Dalam bidang :
- BUSINESS ADMIN
- BUSINESS MANAGEMENT/MARKETING
- CREATIVE MULTIMEDIA
- ACCOUNT
atau bidang-bidang yang berkaitan boleh juga cuba untuk memohon.
✅ Elaun Latihan turut disertakan.
📍 Tempat bekerja: SS1/22A, Kampung Tunku, 47300 Petaling Jaya, Selangor
📧 Sekiranya berminat, sila hantarkan resume anda ke email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Sekiranya terdapat sebarang pertanyaan boleh hubungi kami di talian 03- 7876 4648 atau whatsapp kami di talian 011- 5920 0902
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04- 26- 2022 09:55 AM
THE upcoming Hari Raya celebration will witness a new beginning in the move towards the endemic phase, with all restrictions on business operating hours removed and prayer activities allowed without physical distancing, among others.
However, the number of applications received by the Employees Provident Fund’s (EPF) special withdrawal facility throughout this month indicated that the rakyat require more money to settle their outstanding debts and current expenses.
As of April 15, EPF has received 5.3 million applications in total amounting to RM40.1 billion within two weeks since the application opened on April 1.
Out of 11.95 million eligible EPF contributors, 44% decided to withdraw up to RM10,000 per person from their savings this time around.
Under the previous three rounds of the EPF withdrawals during the Covid-19 pandemic in 2020 – i-Lestari, i-Sinar and i-Citra – some 7.34 million EPF members had withdrawn RM101.1 billion.
Nonetheless, this does not prevent more EPF contributors from withdrawing their savings for immediate financial relief.
In October 2021, EPF warned that a total of 6.1 million members now have less than RM10,000 savings in their retirement funds.
Even more severe is that 3.6 million contributors have less than RM1,000 in their accounts.
Out of the 3.6 million contributors, two million bumiputra members have less than RM1,000 in their savings.
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April 10, 2022 @ 4:41pm
LETTERS: The enactment of the Consumer Credit Act by Bank Negara Malaysia (BNM) this year aims to strengthen the regulatory arrangements for all consumer credit activities including "Buy Now, Pay Later" (BNPL) scheme providers.
The concept of BNPL is similar to the traditional method of shopping whereby consumers could only own the item after relevant instalments or full payment has been made.
BNPL is a type of short-term financing that essentially allows consumers to purchase with 0 per cent interest via monthly instalments.
Some platforms offer deferral of payment until the end of the month or allow payment in the following month.
Some BNPL players charge interest or a penalty fee if the consumer makes a late payment.
Consumers are required to have a good credit score in order to apply for a credit card.
Hence, one of the reasons consumers consider BNPL is because a good credit score is needless. Therefore, consumers can apply for the BNPL scheme even if their credit score is below average.
Besides, consumers' monthly budget would not be affected as large payments can be made regularly. For example, RM3,000 is needed to purchase a new mobile phone after it breaks down.
Consumers do not have to use their emergency savings and may enjoy a monthly instalment of RM1,000 per month.
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Monday, March 28th, 2022
THE central bank is expected to announce successful applications for the country’s first digital banking licences. During the six-month application period, which ended on June 30, 2021, Bank Negara Malaysia (BNM) received 29 applications.
Banks, industry conglomerates, technology enterprises, e-commerce operators, fintech players, cooperatives and state governments were among those who applied. Five digital banks will be granted licences to provide financial services to under-served and unserved populations.
Numerous applicants already provide financial services via mobile wallets and payment systems.
Successful applicants will be required to contribute to increased financial inclusion by offering goods and services that solve market gaps in underserved and unserved segments.
By utilising the innovative application of technology, the programme strives to promote relevant and affordable financial solutions.
Axiata Group Bhd and RHB Banking Group Bhd had entered into a memorandum of understanding to apply for a digital banking licence under the framework issued by BNM.
Axiata, via its subsidiary Boost Holdings Sdn Bhd, and RHB signed a comprehensive heads of agreement yesterday to form a consortium for the application to increase competitiveness and accelerate the country’s digital transformation and financial inclusion ambition.
In a joint statement filed to Bursa Malaysia yesterday, the parties stated Boost will hold a majority stake of 60%, while RHB will hold the remaining 40% in the digital bank, subject to approval from the central bank.
Read more: BNM to notify 5 successful digital bank licence applicants soon
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March 28, 2022 5:15 PM
KUALA LUMPUR: AirAsia has settled over 90% of passenger refunds thus far, Capital A Bhd (formerly known as AirAsia Group Bhd) chief executive officer Tony Fernandes said.
This, he said, was despite the financial difficulty faced by the airline industry, which was badly battered by the Covid-19 pandemic.
“AirAsia has handled over 90% of refunds and it was not an issue as we have been transparent,” he told reporters at the virtual launch of Airasia Super App’s new Super+ plan today.
Fernandes said this was considered remarkable because it was achieved without any financial support involving huge amounts from the government, compared to other airlines, as AirAsia had been flying about 90 million people during the pre-Covid-19 times.
He also did not expect to face a big hurdle in settling more refunds in a few months’ time.
Fernandes said the airline was seeing a strong comeback and had performed beyond expectations in most domestic markets.
“More refunds will be coming as the flights resume — probably within a couple of months in Malaysia and within six months in the Philippines.”
He said AirAsia X’s guests would also be getting vouchers when the airline starts flying.
On the Super+ plan, Fernandes said it is the first pass that combined flights and food delivery for a year in a single package.
Read more: 90% of AirAsia passenger refunds settled, says Tony Fernandes
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February 16, 2022 @ 9:53pm
KUALA LUMPUR: The Medical Device Authority (MDA) has reiterated its call urging members of the public to only buy self-test kits that have been approved by the Health Ministry to reduce the possibility of getting a "suspicious" result.
MDA said this was because it would take time to investigate and take action against any "false result" issue.
"MDA advises members of the public to take preventive steps to reduce the risk of getting a suspicious result and help curb the spread of Covid-19.
"Firstly, only obtain self-test kits that have been approved by MDA from community pharmacies, health facilities or premises that are registered with the Domestic Trade and Consumer Affairs Ministry.
"Make sure the self-test kits are in good condition and are not expired before using them; scan the QR code on the self-test kit or write down your details on the premises logs to facilitate consumer tracings should the product have a problem.
"Do the self-test fully according to the written or video instruction; report the result on MySejahtera to allow relevant authorities to take further action and participate in self-test kits performance survey at https://forms.gle/zFyJMT8zzH2CAdjHA."
Last week, Alliance for Safe Community chairman Tan Sri Lee Lam Thye urged the authorities to issue a definitive list of reliable and accurate RTK-Antigen self-test kits and ban brands that produce false negatives.
Citing the case of a woman who allegedly tested negative several times through conducting several self-tests before she was confirmed positive via a RT-PCR test, Lee also questioned whether all the rapid test kit brands approved by the authorities were subjected to stringent tests before being granted certificates to be sold.
MDA said all the approved self-test kits had undergone a strict evaluation process and had been tested at accredited laboratories.
"Performances of brands that did not obtain approval from MDA are not guaranteed.
"Also, it is easier for prevention and rectification action to be taken in the event of performance and safety related issues for self-test kits that being sold at community pharmacies, health facilities or premises registered under the Domestic Trade and Consumer Affairs Ministry."
Read more: MDA reminds public to only buy approved self-test kits
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