Articles

When we talk about investing, some may see it as a way to make a lot of money quickly, while others may feel hesitant due to the risks of losing money. The truth is—all investments come with risks, whether low or high. Understanding the risks associated with different investment instruments and carefully evaluating investment products based on their goals, risk tolerance, and time horizon is crucial before making any decisions.

Online transactions have made it easier for consumers to manage daily financial activities such as paying bills, purchasing items, and transferring money—all without being tied to a specific place. They are fast, convenient, and widely accessible, aligning with today’s technological advancements. However, as digital transactions become more prevalent, unauthorised transactions and fraud cases have also risen significantly.

Today, Bank Negara Malaysia (BNM) and the Securities Commission Malaysia (SC) have launched the Financial Markets Ombudsman Service (FMOS). FMOS serves as a centralised dispute resolution centre for financial consumers and investors nationwide. FMOS is a merger between the Ombudsman for Financial Services (OFS).