{"id":9908,"date":"2026-04-28T10:25:57","date_gmt":"2026-04-28T02:25:57","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9908"},"modified":"2026-05-19T14:58:59","modified_gmt":"2026-05-19T06:58:59","slug":"credit-card-apk-scam","status":"publish","type":"post","link":"http:\/\/www.fmos.org.my\/bm\/credit-card-apk-scam\/","title":{"rendered":"Kad Kredit - Penipuan APK"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada 12 Julai 2024, Mary memuat turun satu aplikasi bernama 'EZI Recycled' selepas melihat satu iklan di Instagram dan kemudian membuat pembayaran sebanyak RM5 melalui laman web yang dipautkan. Kira-kira jam 9:00 malam pada hari yang sama, beliau menyedari bahawa terdapat 11 transaksi dalam talian tanpa kebenaran di Shopee Mobile Malaysia berjumlah RM47,410 yang dicaj ke kad kredit XE Bank miliknya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mary menafikan melakukan transaksi tersebut dan segera menghubungi bank untuk menyekat kadnya. Beliau kemudiannya mengemukakan pertikaian untuk mendapatkan pengecualian penuh terhadap jumlah yang dipertikaikan serta membuat laporan polis. Bank pula menegaskan bahawa beliau bertanggungjawab kerana semua transaksi telah disahkan menggunakan OTP yang dihantar ke nombor telefon bimbit berdaftarnya.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>PENEMUAN<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">The evidence showed that 11 3-D Secure online transactions, totalling RM47,410, were carried out on 12 July 2024 using Mary\u2019s credit card. The bank\u2019s records indicate that the OTPs were successfully delivered to Mary\u2019s registered mobile number and correctly entered on the 3-D Secure verification page, thereby authorising the transactions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mary menegaskan bahawa beliau tidak menerima sebarang OTP. Berdasarkan keadaan sekeliling, maklumat kad dan OTPnya dipercayai telah dikompromi. Besar kemungkinan aplikasi yang dimuat turun itu mengandungi perisian hasad (malware) yang mampu mengakses maklumat perbankannya dan memintas OTP.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank menyekat kad hanya selepas Mary melaporkan kejadian itu. Tiada hak caj balik tersedia, kerana transaksi telah disahkan di bawah protokol 3-D Secure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kesemua 11 transaksi berlaku dalam tempoh masa yang singkat dan tidak selaras dengan corak perbelanjaan biasa Mary. Aktiviti sedemikian sewajarnya memerlukan pemantauan lebih teliti di bawah kawalan pengesanan penipuan bank serta panggilan pengesahan kepada pemegang kad.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>KEPUTUSAN<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Kami mendapati bahawa maklumat perbankan Mary telah dikompromi melalui aplikasi yang dimuat turun, yang membolehkan pihak ketiga tanpa kebenaran menjalankan transaksi yang dipertikaikan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Walaupun transaksi tersebut telah disahkan mengikut protokol keselamatan, pihak bank sepatutnya boleh mengambil langkah pencegahan tambahan dengan menghubungi Mary memandangkan kekerapan dan corak transaksi yang luar biasa, yang mungkin dapat mengurangkan kerugian.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pada masa yang sama, Mary juga sepatutnya lebih berhati-hati apabila memuat turun aplikasi yang tidak dikenali dan memberikan maklumat sensitif secara dalam talian.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan prinsip keadilan, Ombudsman memutuskan bahawa adalah munasabah untuk membahagikan liabiliti antara Mary dan pihak bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>On 12 July 2024, Mary downloaded an application called \u2018EZI Recycled\u2019 after viewing an Instagram advertisement and then made a payment of RM5 via the linked website. At approximately 9:00 pm on the same day, she discovered 11 unauthorised online transactions on Shopee Mobile Malaysia, totalling RM47,410, charged to her XE Bank credit card. Mary [&hellip;]<\/p>","protected":false},"author":4,"featured_media":9922,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26,25],"tags":[],"class_list":["post-9908","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-islamic-banking-payment-systems","category-case-studies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Card - APK Scam - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/credit-card-apk-scam\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Card - APK Scam - FMOS\" \/>\n<meta property=\"og:description\" content=\"On 12 July 2024, Mary downloaded an application called \u2018EZI Recycled\u2019 after viewing an Instagram advertisement and then made a payment of RM5 via the linked website. 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