The General Manager of the Sarawak Multimedia Authority (SMA), Datuk Dr. Anderson Tiong Ing Heng, stated that this initiative enables S PAY GLOBAL users to scan other DuitNow e-wallets.

“Other DuitNow e-wallets can also scan merchants’ e-wallets within S PAY GLOBAL. Therefore, this new feature opens up more opportunities for better connectivity, ensuring smooth transactions for the people of Sarawak,” he said in a statement today.

Tiong added that this initiative is in line with the Sarawak Digital Economy Action Plan 2030 (SDE 2030), which focuses on modernizing Sarawak’s financial infrastructure.

Hii Saan Chieng, General Manager of SiliconNet Technologies Sdn Bhd, stated that enabling DuitNow in S PAY GLOBAL provides an easily accessible platform for users in terms of finance.

Azrul Fakhzan Mainor, Senior Director of PayNet’s Commercial Division, mentioned that by integrating the DuitNow QR, the people of Sarawak will be better connected within the global payment ecosystem, accelerating trade flow.

“Since DuitNow QR operates with global payment networks, we will see more cross-border transactions taking place. This collaboration enhances the customer experience both inside and outside Sarawak, contributing to the e-wallet transformation,” he said.

New merchants interested in joining S PAY GLOBAL are welcome to register with the platform, and any inquiries can be directed to 082-22 45 99.

Source: https://www.bernama.com/bm/news.php/dunia/target=%27_blank%27?id=2371085

The post S Pay Global App Now Equipped with DuitNow QR appeared first on Mesin Kad Kredit Debit Mudah Alih.

Growth of E-Payments in Malaysia

In his speech, Marzunisham highlighted the rapid growth of e-payments in Malaysia, with a notable increase in transactions. In 2023, Malaysians conducted 11.5 billion e-payment transactions, a 24% rise from the previous year. The use of DuitNow QR codes has doubled, with 360 million transactions amounting to RM14.6 billion. The growing adoption of e-payments is attributed to over 2 million merchants, most of whom are micro-merchants.

This surge in e-payment transactions aligns with BNM’s target of achieving 400 e-payment transactions per capita by 2026. The deputy governor noted that the increasing use of e-payments reflects a shift in people’s lifestyles, with more individuals embracing digital payment methods due to their security, convenience, and speed.

The Benefits of E-Payments

Marzunisham emphasized that e-payments are safe to use, with banks implementing various measures to protect against cyber threats and scams. E-payments also reduce the risks associated with handling cash, allowing users to make payments without carrying large sums of money and helping merchants reduce the need to store large amounts of cash.

Additionally, e-payments like DuitNow QR are easy to use. With just a simple scan of a QR code, payments can be completed instantly. The registration process for merchants to accept DuitNow QR is also simplified, especially for those who already have an account with the relevant bank or e-wallet provider.

The immediacy of e-payments benefits businesses as well, with payments received directly into merchants’ accounts. This allows for better cash flow management, and the data recorded from transactions can help build a credit profile for merchants to access financing from financial institutions.

Expanding Access to E-Payments

BNM, along with the financial industry and government, is committed to ensuring that every individual, regardless of background or location, has access to safe, convenient, and instant e-payment services. The e-Duit Desa program aims to bring e-payment awareness and confidence to rural communities, helping them adopt digital payment methods securely.

Since its launch in 2020, the e-Duit Desa initiative has expanded significantly, with nine programs launched in 2024 alone. Marzunisham also acknowledged the efforts of the Kedah State Government for its support, with many local departments and agencies offering e-payment platforms to residents.

Combating Financial Crimes

While the benefits of e-payments are clear, Marzunisham also cautioned about the risks associated with online financial crimes, including scams. He urged the public to adopt the “Soal, Sekat, Sebar” (Question, Block, Share) approach to protect themselves from fraud. This involves questioning any suspicious financial offers, blocking potential scams, and sharing information about scams with family and friends.

He also advised against participating in mule accounts and to remain vigilant to the tactics used by financial scammers. In the event of becoming a victim of fraud, Marzunisham encouraged individuals to report the incident to their bank or the National Scam Response Centre (NSRC) via the hotline.

Acknowledging Partnerships

In his closing remarks, Marzunisham expressed gratitude to the various partners involved in the e-Duit Desa program, including the Kedah State Government, Bank Simpanan Nasional, Bank Kerjasama Rakyat Malaysia, Bank Islam, Maybank, Public Bank, Touch ‘n Go, and PayNet. He emphasized that the success of the program would not have been possible without the collective effort of these stakeholders.

Moving Forward

The e-Duit Desa program is expected to serve as a catalyst for the widespread adoption of e-payments, particularly in Kedah. Marzunisham hopes that the initiative will empower communities in rural areas to embrace digital payments, further contributing to Malaysia’s digital economy and ensuring that financial services are accessible to everyone across the nation.

Source: https://www.bnm.gov.my/-/dgmo-spch-eduit1124

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This integration marks a significant milestone, as it is the first time Weixin Pay has been directly connected to a unified national QR scheme in Southeast Asia. The payment linkage between PayNet and Weixin Pay officially went live last Friday.

The partnership comes at a time when Malaysia and China have implemented visa-free travel for their citizens, further facilitating connections between the two nations. With Malaysia targeting over five million tourists from China this year, the integration of Weixin Pay into DuitNow QR is expected to provide Chinese travelers with a seamless and secure payment experience while visiting Malaysia.

PayNet Group CEO Farhan Ahmad emphasized that this integration connects over two million Malaysian merchants to a vast customer base, benefiting both large and small businesses. He highlighted that the growing trend of hyper-localized travel, especially in rural areas where micro, small, and medium enterprises (MSMEs) play a crucial role, will help stimulate local economies.

Weixin Pay Southeast Asia and North America Managing Director, Ben Yang, expressed that the partnership represents a landmark achievement in their commitment to providing users with easy access to DuitNow QR payments across Malaysia. The collaboration is expected to enhance payment convenience and increase the visibility of local Malaysian brands among Chinese consumers.

This move complements Malaysia’s broader initiatives to strengthen ties with China, including cooperation in trade, digital economy, and SME development. Linking Weixin Pay to Malaysia’s payment network is also expected to help position the country as a preferred tourist destination.

In addition, Hong Leong Bank (HLB) has enabled its DuitNow QR merchants to accept Weixin Pay, further supporting Malaysia’s tourism sector and reinforcing its appeal as a key destination for Chinese tourists and investors.

In 2018, Hong Leong Bank became the first bank outside China to offer a mobile application that allows merchants to accept Weixin Pay, streamlining transactions for Chinese travelers.

Source: https://thesun.my/business-news/weixin-pay-integrated-into-paynet-s-duitnow-qr-network-ND13012395

The post Weixin Pay Integrated into PayNet’s DuitNow QR Network appeared first on Mesin Kad Kredit Debit Mudah Alih.

Strengthening Bilateral Cooperation

The initiative is the result of a Memorandum of Understanding (MoU) signed in February 2024 between BNM and NBC to enhance cooperation in payment systems and financial innovation. The MoU was signed under the auspices of the Prime Ministers of both Malaysia and Cambodia. Today marks the completion of the first phase of this cross-border payment connectivity, with further phases to be rolled out in the future.

Phase One: Cambodia to Malaysia

The first phase of the payment linkage enables consumers in Cambodia to make instant retail payments in Malaysia. Cambodian users can scan DuitNow QR codes displayed by merchants, using mobile payment apps such as the Bakong app and Maybank M2U KH app. This development significantly simplifies cross-border transactions and allows Cambodian tourists and businesses to engage more easily with Malaysian merchants.

Future Phase: Malaysia to Cambodia

The second phase of the linkage, expected to be launched soon, will allow Malaysian users traveling to Cambodia to make payments to Cambodian merchants by scanning KhmerQR (KHQR) codes. This will be possible through the mobile payment applications of participating financial institutions in Malaysia.

This seamless cross-border payment system will enhance the experience for tourists and businesses by removing the need for currency exchange and allowing for quicker, more efficient transactions.

Expanding Access for Merchants

This QR payment linkage will enable over five million merchants in both countries, many of which are small businesses, to access a larger and more diverse customer base. This will not only drive trade but also promote tourism, providing a boost to local economies in both nations.

Supporting Regional Integration

BNM Governor Dato’ Seri Abdul Rasheed Ghaffour expressed that the initiative is an important step toward achieving a more interconnected retail payment ecosystem between Malaysia and Cambodia. He highlighted that the linkage will facilitate faster and more efficient cross-border transactions, offering significant benefits to individuals and businesses. Furthermore, it aligns with ASEAN’s collective vision for regional financial integration, driving the digital economy in Southeast Asia.

NBC Governor H.E. Dr. Chea Serey also celebrated the milestone, noting that the cross-border payment initiative will play a key role in boosting trade and advancing financial inclusion in both countries. She emphasized that this move aligns with the vision of an ASEAN network of fast, secure, and interconnected retail payment systems across the region.

Promoting Economic Growth

This cross-border QR payment linkage reflects the growing trend of regional cooperation within ASEAN, aiming to integrate payment systems and foster economic development through the adoption of digital financial services. By linking national QR codes, the initiative will streamline transactions and open up new opportunities for businesses and consumers across both countries.

Source: https://www.bnm.gov.my/-/khqr-pr

The post Malaysia and Cambodia Launch Cross-Border QR Payment Linkage appeared first on Mesin Kad Kredit Debit Mudah Alih.

Enhancing Security with Real-Time Alerts

The Dynamic DNQR Soundbox is designed to support both static and dynamic QR payments, ensuring seamless transaction processing while reducing human error. One of its standout features is the real-time voice and visual alerts that notify both merchants and customers upon payment receipt. This functionality enhances security by providing instant confirmation of transactions, offering reassurance for both parties and helping to mitigate risks associated with cashless transactions.

RHB’s Dato’ Fad’l Mohamed, Managing Director of Group Wholesale Banking, emphasized that the device showcases RHB’s dedication to safeguarding consumers and merchants in an increasingly digital world. With built-in voice and visual alerts, the Dynamic DNQR Soundbox helps make the digital payment environment more secure, reducing fraud risks.

Boosting Transaction Volumes

Since its introduction in December 2023, RHB has successfully deployed nearly 4,000 DNQR merchants across Malaysia, equipping over 5,000 touchpoints with the Dynamic DNQR Soundbox. The initiative has already shown impressive results, with the number of DNQR transactions rising by 33%, from over 260,000 to almost 352,000 transactions. Additionally, transaction values surged from RM12 million to RM16 million in just five months.

The enhanced Dynamic DNQR Soundbox with keypad is expected to further bolster this growth. This upgraded version of the device enhances the user experience by adding a keypad, making it even more convenient for merchants and consumers to complete transactions securely.

RHB’s Vision for Financial Innovation

RHB’s ongoing commitment to innovation is reflected in its goal to become one of Malaysia’s top three DuitNow banks by the end of the year. As part of the Together We Progress 2024 (TWP24) strategy, RHB aims to expand its Dynamic DNQR Soundbox network significantly, empowering both businesses and consumers to engage more actively in Malaysia’s digital economy.

RHB’s focus is particularly on supporting micro, small, and medium enterprises (MSMEs), which are often the most vulnerable to financial fraud. The bank plans to roll out these tools first in suburban areas, gradually expanding to high-volume transaction businesses. This approach will help drive the adoption of cashless payments and contribute to the growth of Malaysia’s digital economy.

Collaboration for a Safer Digital Economy

In line with Bank Negara Malaysia’s fraud prevention initiatives, the partnership between RHB and PayNet highlights a shared commitment to strengthening payment security and supporting financial inclusion. By introducing the Dynamic DNQR Soundbox, both organizations aim to foster a safer, more efficient, and inclusive digital payment ecosystem.

Azrul Fakhzan Bin Mainor, Senior Director of PayNet’s Commercial Division, noted that innovation and security are crucial in developing a sustainable cashless payment landscape. He expressed that the collaboration with RHB underscores PayNet’s commitment to building a secure and efficient digital payments environment that empowers businesses and consumers alike.

Source: Paynet

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Kronologi Kejadian

Menurut perkongsian di Facebook, pelanggan tersebut membeli durian dengan nilai RM156 tetapi hanya memindahkan RM1.56 melalui transaksi dalam talian. Peniaga itu juga turut menyertakan bukti transaksi sebagai hujah. Dia menulis, “Tadi pukul 6.23 petang ada seorang pelanggan bawa kereta warna merah, datang beli durian berjumlah RM156, tetapi hanya ‘transfer’ RM1.56. Kak boleh WhatsApp kita untuk bayar baki.”

Reaksi Netizen

Perkongsian ini telah mendapat lebih dari 500 tanda suka dan lebih 100 komen. Ramai netizen menasihati peniaga itu supaya selalu menyemak jumlah bayaran yang dibuat pelanggan sebelum menyerahkan barangan.

Nenek Kebayan menasihati, “Kalau amaun besar begini, minta pelanggan hantar slip melalui WhatsApp sebelum pergi. Dah ramai kena begini. Semoga dpermudah urusan boss durian.”

Erna berkongsi pengalaman serupa, “Saya pun pernah kena. Transfer RM3.50 sebenarnya jumlah buah saya dia beli RM35.00.”

Zack pula berkata, “Saya pernah tersilap lupa nak tekan 00. Nak transfer RM320 jadi RM32 je. Harap yang ini pun tersilap. Bila sedar transferlah semula.”

Pelajaran yang Boleh Dipetik

Insiden ini menggariskan keperluan untuk peniaga dan pelanggan sama-sama berhati-hati dalam urusan transaksi kewangan dalam talian. Kesilapan kecil boleh membawa kepada masalah yang lebih besar, dan selalu lebih baik untuk berwaspada.

Maka, mari kita ambil iktibar dari kejadian ini untuk selalu berhati-hati dalam urusan kewangan kita, terutama dalam era digital ini yang semakin memudahkan transaksi namun juga memperbesar potensi kesilapan.

Sumber: https://www.kosmo.com.my/2023/09/10/beli-durian-rm156-bayar-rm1-56

The post Insiden Bayaran Durian: Membeli Dengan Harga RM156, Tapi Bayar Hanya RM1.56 appeared first on Mesin Kad Kredit Debit Mudah Alih.

Penangkapan

Suspek-suspek ditangkap dalam operasi penguatkuasaan anti-penipuan yang dijalankan oleh polis Singapura antara 14 dan 25 Ogos. Kumpulan ini termasuk tujuh lelaki dan empat wanita, berumur antara 17 hingga 25 tahun. Selain itu, dua wanita lain dan seorang remaja lain kini sedang membantu dengan siasatan.

Skema

Menurut laporan awal, individu-individu ini didakwa memudahkan penipuan dengan memberikan akses kepada akaun bank mereka, kredensial perbankan internet, dan bahkan butiran Singpass mereka untuk keuntungan kewangan. Ini menandakan trend yang membimbangkan di mana serangan malware pada peranti Android telah meningkat sejak Januari tahun ini.

Modus Operandi

Mangsa dilaporkan terperangkap dalam penipuan setelah merespons iklan pada platform media sosial. Mereka kemudian dipaksa untuk memuat turun Kit Pakej Android berbahaya dari kedai aplikasi bukan rasmi. Setelah dimuat turun, penipu berjaya meyakinkan mangsa untuk mengaktifkan fitur kebolehcapaian pada telefon Android mereka, memberikan penipu kawalan penuh ke atas peranti tersebut. Hasilnya? Transaksi yang tidak dibenarkan dari akaun bank mangsa, walaupun tiada kredensial yang dikongsi.

Menutup Jejak

Untuk menutup jejak mereka, penipu boleh memadam pemberitahuan SMS dan e-mel mengenai pemindahan bank, menjadikannya lebih sukar bagi mangsa untuk mengesan aktiviti penipuan.

Nasihat Polis

Polis telah mengeluarkan amaran terhadap mengklik pada pautan yang mencurigakan, mengimbas kod QR yang tidak dikenal, atau memuat turun aplikasi dari laman web pihak ketiga. Kedai aplikasi rasmi sangat disyorkan, dan pengguna harus berhati-hati apabila berkongsi maklumat peribadi seperti Singpass dan kredensial perbankan.

Kes Sebelumnya dan Siasatan Sedang Berjalan

Pada awal Ogos dan Jun, penangkapan serupa telah dibuat, dengan mangsa kehilangan lebih dari S$221,000 (kira-kira AS$164,000), termasuk lebih dari S$114,000 dalam simpanan CPF. Siasatan masih sedang berjalan.

Tindakan Undang-Undang

Pesalah yang sabit kesalahan berhadapan dengan hukuman yang keras, yang merangkumi hingga 10 tahun penjara dan denda sehingga S$500,000. Dakwaan yang lebih rendah termasuk tiga tahun penjara dan denda di bawah Kanun Keseksaan, sementara yang lain juga mungkin berhadapan dengan dakwaan di bawah Akta Penyalahgunaan Komputer.

Kesimpulan

Kes ini berfungsi sebagai peringatan tegas tentang risiko yang berkaitan dengan jenayah siber, terutamanya menargetkan aplikasi perbankan dan maklumat peribadi yang sensitif. Sentiasa patuhi garis panduan keselamatan dan berhati-hati apabila berurusan dengan tawaran atau permintaan secara dalam talian.

The post Dua Remaja Antara 13 Orang Yang Ditangkap Kenaikan Skim Malware Perbankan Android di Singapura appeared first on Mesin Kad Kredit Debit Mudah Alih.

Mesyuarat Bersejarah

Mesyuarat diketuai oleh Bounleua Sinxayvoravong, Gabenor Bank Lao PDR, dan Puan Chea Serey, Gabenor Bank Negara Kemboja. Agenda mesyuarat adalah luas dan merangkumi topik penting seperti makroekonomi, dasar monetari, dan pembangunan sektor perbankan. Tumpuan utama adalah pada kehubungan digital antara sistem pembayaran kedua-dua negara.

Sistem Bayaran QR Code Lao-Kemboja

Sorotan mesyuarat adalah pengenalan sistem bayaran rentas sempadan Lao-Kemboja, yang dikenali sebagai KHQR scan LAOQR. Sistem ini membolehkan pengguna di kedua-dua negara membayar barang dan perkhidmatan menggunakan mata wang tempatan mereka—kip Lao dan riel Khmer—melalui kod QR.

MoU dan Entiti yang Memfasilitasi

Jalan pembayaran baru ini adalah hasil dari Memorandum Persefahaman (MoU) yang ditandatangani pada tahun 2022 di Phnom Penh, Kemboja. Inisiatif ini bertujuan untuk meningkatkan kerjasama dalam inovasi kewangan dan sistem pembayaran digital, dan difasilitasi oleh Syarikat LAPNet dan ACLEDA Bank Kemboja.

Bank yang Terlibat

Sistem KHQR scan LAOQR akan boleh diakses melalui lapan bank komersial di Laos, termasuk BCEL, ACLEDA Bank Lao, Kbank Lao, BIC, APB, LVB, Indochina, dan JDB. Pelaksanaan ini bermakna pelancong Kemboja di Laos boleh membuat pembayaran kod QR di kedai yang memaparkan logo salah satu daripada bank ini. Sistem balasan untuk pelancong Lao di Kemboja dijangka akan dilancarkan pada suku keempat 2023.

Langkah Menuju Piawaian Antarabangsa

Kedua-dua negara telah bersetuju untuk melaksanakan sistem bayaran kod QR yang mematuhi piawaian antarabangsa. Langkah ini dijangka akan menggalakkan pembayaran digital di serata rantau dan mempromosikan penggunaan mata wang tempatan untuk transaksi rentas sempadan.

Kesimpulan

Pelancaran sistem bayaran rentas sempadan ini menandakan langkah penting dalam memodenkan ekosistem kewangan Kemboja dan Laos. Dengan memudahkan proses pembayaran untuk penduduk tempatan dan pelancong, sistem baru ini menjanjikan untuk menjadi perubahan penting untuk rantau ini.

Sumber: https://www.thestar.com.my/aseanplus/aseanplus-news/2023/08/27/cambodia-and-laos-launch-cross-border-qr-code-payment-system

The post Kemboja dan Laos Melancarkan Sistem Bayaran QR Code Rentas Sempadan appeared first on Mesin Kad Kredit Debit Mudah Alih.

Fleksibiliti Bayaran Baru

Chua Lay Hoon, Ketua Pegawai Operasi Bahagian Tol IJM, menyatakan bahawa sistem baru ini akan selaras dengan usaha berterusan kerajaan untuk meningkatkan pengalaman pengguna lebuh raya. Dengan SPT, pengguna lebuh raya kini boleh membayar tol menggunakan bukan sahaja kaedah sedia ada seperti Touch ‘n Go, SmartTag, dan RFID, tetapi juga kad debit dan kredit, serta kad prabayar.

Bagaimana Mengesan Lorong SPT

Untuk memudahkan peralihan, lorong yang dilengkapi dengan sistem SPT baru akan ditandakan dengan jelas. Tanda-tanda khusus di plaza tol akan membimbing pengguna jalan raya ke arah lorong-lorong ini.

Peringatan Penting untuk Pengguna Jalan Raya

Walaupun ini kelihatan sebagai langkah ke hadapan, pengguna harus memastikan baki kad kredit mereka mencukupi sebelum membuat pembayaran tol. Sekiranya terdapat kegagalan transaksi, sistem membolehkan beralih cepat ke kad bank alternatif atau kad Touch ‘n Go yang sentiasa boleh diharapkan.

Kesimpulan

Bahagian Tol IJM percaya bahawa sistem SPT tidak hanya akan mempermudah pembayaran tol bagi pengguna lebuh raya tetapi juga akan mempercepatkan proses pengumpulan tol. Walaupun ini adalah fasa ujian, kejayaannya boleh menandakan kemajuan signifikan dalam sistem pengumpulan tol Malaysia.

Jadi, kali seterusnya anda berada di lebuh raya Besraya atau NPE, jangan lupa untuk mencari lorong SPT baru ini dan mencubanya.

Selamat memandu!

Sumber: https://www.thestar.com.my/metro/metro-news/2023/08/27/open-toll-payment-system-pilot-test-starts-on-besraya-and-npe

The post Ujian Awal Sistem Bayaran Tol Terbuka Bermula di Besraya dan NPE appeared first on Mesin Kad Kredit Debit Mudah Alih.

Apa yang Menjadikan DuitNow Soundbox Unik?

1. Notifikasi Bunyi Serta-Merta : Tak perlu semak aplikasi secara manual. Dapatkan notifikasi bunyi serta-merta apabila pembayaran berjaya.
2. Serba Guna dan Serasi : Soundbox kami menyokong sebarang platform pembayaran yang menggunakan DuitNow QR, menawarkan fleksibiliti kepada anda.
3. Mampu Milik dan Penuh Nilai : Berharga hanya RM199 untuk unit berasingan, tanpa data kad SIM. Tiada caj tersembunyi atau bulanan. Penggunaan WiFi juga tersedia.
4. Pemasangan Pantas dan Mudah : Sambungkan saja ke sistem sedia ada anda, dan anda sedia untuk beroperasi.
5. Disahkan dan Selamat : Semua transaksi disahkan oleh pembekal perkhidmatan terpercaya kami dan dipindahkan ke akaun peniaga dalam tempoh 2 hari.
6. Boleh Diakses dan Dipantau : Pantau semua transaksi dan pembayaran melalui aplikasi, menjadikan hidup anda lebih mudah dan efisien.

Berbeza dengan pilihan lain di pasaran, Soundbox kami tidak hanya memberitahu anda tentang transaksi yang berjaya tetapi juga menyediakan penyelesaian serba dalam yang disesuaikan dengan keperluan perniagaan anda.

Mengapa Memilih DuitNow Soundbox?

• Kekal Maklum Tanpa Susah: Tak perlu lagi bermain-main dengan peranti anda untuk mengesahkan pembayaran. Dengar sahaja dengan serta-merta!
• Membina Kepercayaan dengan Pelanggan: Tunjukkan kepada pelanggan anda bahawa pembayaran mereka diproses dengan selamat dan segera.
• Pelaburan yang Mampu Milik: Tanpa kos tersembunyi atau langganan, ia adalah pelaburan kecil untuk pulangan besar.

Jangan lepaskan peluang ini untuk meningkatkan pengalaman Point-of-Sale anda. Bertindaklah sekarang! Unit terhad tersedia.

Anda boleh dapatkan produk ini melalui 2 cara

1. Online Store edxaPay
2. WhatsApp

The post (BM) Memperkenalkan DuitNow Soundbox: Ubah Pengalaman Point-of-Sale Anda! appeared first on Mesin Kad Kredit Debit Mudah Alih.