{"id":5553,"date":"2025-03-27T03:59:06","date_gmt":"2025-03-27T03:59:06","guid":{"rendered":"https:\/\/fmos.org.my\/?p=5553"},"modified":"2026-04-29T15:43:57","modified_gmt":"2026-04-29T07:43:57","slug":"malware-scam-via-maid-advertisement","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/malware-scam-via-maid-advertisement\/","title":{"rendered":"Penipuan Perisian Hasad (Malware) melalui Iklan Pembantu Rumah"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Janice menemui satu iklan perkhidmatan pembersihan di Facebook dan menghubungi mereka melalui WhatsApp. Mengikut arahan yang diberikan, beliau memuat turun sebuah aplikasi dan cuba membuat bayaran, namun transaksi tersebut gagal walaupun telah memasukkan maklumat peribadi dan perbankannya. Kemudian, Janice menyedari terdapat lima transaksi tanpa kebenaran berjumlah RM35,000 yang telah dilakukan melalui akaun perbankan internet miliknya. Beliau segera melaporkan kejadian itu kepada pihak bank. Pihak bank menolak tuntutannya atas alasan transaksi tersebut telah dilaksanakan menggunakan nama pengguna, kata laluan, dan kod OTP yang sah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PENEMUAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rekod SMS bank menunjukkan bahawa OTP untuk transaksi yang dipertikaikan telah dihantar ke nombor telefon bimbit berdaftar Janice. Transaksi tersebut disahkan menggunakan OTP berkenaan. SMS pemberitahuan transaksi juga dihantar selepas transaksi selesai. Namun, Janice mendakwa bahawa beliau tidak menerima sebarang OTP. Malangnya, usaha pihak bank untuk mendapatkan semula wang daripada akaun penerima tidak berjaya kerana wang tersebut telah dikeluarkan sebelum Janice membuat laporan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aplikasi hasad yang dimuat turun oleh Janice membolehkan penipu mengakses data dalam telefonnya, termasuk SMS OTP bank, sekali gus membolehkan transaksi dilakukan tanpa pengetahuannya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KEPUTUSAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan fakta, pengurus kes berpandangan bahawa pihak bank sepatutnya dapat mengesan corak transaksi yang luar biasa, iaitu pemindahan wang berulang kepada penerima yang sama dalam tempoh masa yang singkat. Situasi ini sepatutnya menimbulkan keraguan dan pihak bank wajar menghubungi Janice untuk pengesahan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam masa yang sama, Janice juga bertanggungjawab untuk memastikan keselamatan aplikasi sebelum memuat turun ke telefon bimbitnya. Beliau perlu sentiasa berwaspada dan hanya mendapatkan atau memasang aplikasi daripada platform yang sah dan selamat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pihak bank bersetuju dengan penemuan pengurus kes dan membayar balik sebahagian daripada jumlah kerugian. Janice menerima tawaran tersebut, dan perkara itu diselesaikan secara baik.<\/p>","protected":false},"excerpt":{"rendered":"<p>Janice found a cleaning services advertisement on Facebook and contacted them via WhatsApp. Following instructions, she downloaded an app and attempted to pay, but it failed despite entering her personal and banking details. Later, Janice discovered five unauthorised transfers totalling RM35,000 in her internet banking account and reported it to the bank. The bank rejected [&hellip;]<\/p>","protected":false},"author":1,"featured_media":5424,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26,25],"tags":[],"class_list":["post-5553","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>Malware Scam via Maid Advertisement - 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\/malware-scam-via-maid-advertisement\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Malware Scam via Maid Advertisement - FMOS\" \/>\n<meta property=\"og:description\" content=\"Janice found a cleaning services advertisement on Facebook and contacted them via WhatsApp. Following instructions, she downloaded an app and attempted to pay, but it failed despite entering her personal and banking details. Later, Janice discovered five unauthorised transfers totalling RM35,000 in her internet banking account and reported it to the bank. 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