{"id":5564,"date":"2025-03-27T04:18:50","date_gmt":"2025-03-27T04:18:50","guid":{"rendered":"https:\/\/fmos.org.my\/?p=5564"},"modified":"2026-04-29T15:44:35","modified_gmt":"2026-04-29T07:44:35","slug":"unauthorised-transfers-to-e-commerce-platform","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/unauthorised-transfers-to-e-commerce-platform\/","title":{"rendered":"Pemindahan Tidak Sah ke Platform e-Dagang"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Nizam menyemak akaun perbankan dalam taliannya dan mendapati dua transaksi tidak dibenarkan berjumlah RM10,000 telah dibuat di sebuah platform e-dagang daripada akaun simpanannya dengan Bank A. Nizam menyatakan bahawa beliau tidak menerima Kod Pengesahan Transaksi (TAC) bagi transaksi tersebut. Beliau juga memaklumkan bahawa akaunnya di platform e-dagang tersebut tidak aktif dan beliau terlupa kata laluan, menjadikan transaksi tersebut mustahil dilakukan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nizam mendakwa bahawa Bank A tidak mengemukakan sebarang dokumen untuk mengesahkan kesahihan transaksi tersebut. Bank A menegaskan bahawa tiada pelanggaran keselamatan berlaku dalam sistem mereka dan pemindahan daripada akaun Nizam adalah transaksi yang sah. Tidak berpuas hati dengan maklum balas Bank A terhadap aduannya, Nizam memfailkan tuntutan dengan kami.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PENEMUAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Semasa sesi mediasi, Bank A mengemukakan laporan yang menunjukkan bahawa transaksi telah dilakukan menggunakan nama pengguna dan kata laluan milik Nizam, tanpa sebarang percubaan yang gagal. Dokumen tersebut juga menunjukkan bahawa alamat protokol internet (IP) sepadan dengan yang digunakan untuk transaksi sah Nizam sebelum ini.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain itu, rekod Bank A mengesahkan bahawa notifikasi selepas transaksi telah dihantar ke telefon bimbit Nizam, dan beliau mengakui bahawa telefon itu berada bersamanya pada waktu transaksi tanpa kebenaran itu berlaku.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KEPUTUSAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nizam berpuas hati dengan penjelasan yang diberikan oleh Bank A dan telah menarik balik tuntutannya. Kes ini diselesaikan secara baik pada peringkat Pengurusan Kes.<\/p>","protected":false},"excerpt":{"rendered":"<p>Nizam checked his online banking account and found two unauthorised transactions totalling RM10,000 made on an e-commerce platform from his savings account with Bank A. Nizam stated he did not receive the Transaction Authorisation Codes (TACs) for these transactions. He also mentioned that his account on the e-commerce platform was inactive, and he had forgotten [&hellip;]<\/p>","protected":false},"author":1,"featured_media":5421,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26,25],"tags":[],"class_list":["post-5564","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>FMOS Case Studies - Unauthorised Transfers | FMOS Malaysia<\/title>\n<meta name=\"description\" content=\"Read more on the real-life scenarios on how FMOS can help to resolve disputes in the financial and capital markets.\" \/>\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\/unauthorised-transfers-to-e-commerce-platform\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FMOS Case Studies - 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