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- Category: Press Release
PELANCARAN MELALUI MEDIA SOSIAL
Link Pelancaran: https://fb.watch/bKtlFNp_8w/
Press Kit for members of Media - https://cutt.ly/3A2OHEX
HARI HAK-HAK PENGGUNA SEDUNIA, 15 MAC 2022
TEMA: KESAKSAMAAN KEWANGAN DIGITAL
Hari Hak Pengguna Sedunia disambut setiap tahun pada 15 Mac untuk meningkatkan kesedaran mengenai hak dan keperluan pengguna. Hari Hak Pengguna Sedunia telah diselaraskan oleh Consumers International dan dilancarkan pada tahun 1983, yang diiktiraf di seluruh dunia. Meraikan hari tersebut merupakan peluang untuk pengguna menuntut perlindungan dan penghormatan hak pengguna. Hari Hak Pengguna Sedunia ini merupakan momen global untuk meningkatkan kesedaran dan memacu perubahan yang bermakna dan berpanjangan mengenai cabaran mendesak yang dihadapi oleh pengguna di seluruh dunia.
Hari Hak Pengguna Sedunia bagi tahun 2022 bertemakan Fair Digital Finance yang bermaksud kesaksamaan dalam kewangan digital.
Meningkatkan Peranan Perkhidmatan Kewangan Digital (PKD)
Perkhidmatan kewangan digital (PKD) dan Teknologi Kewangan telah memacu perubahan ketara di seluruh dunia.
• Menjelang tahun 2024, pengguna perbankan digital dijangka melebihi 3.6 bilion.
• Di negara membangun, perkadaran pemilik akaun yang menghantar dan menerima pembayaran secara digital telah meningkat daripada 57% (tahun 2014) kepada 70% (tahun 2017)
Risiko PKD
Walaupun terdapat banyak faedah perkhidmatan kewangan digital, pelbagai cabaran pengguna dapat dilihat dengan jelas. PKD telah mencipta risiko baru dan juga memburukkan lagi risiko cara tradisional, antaranya ialah:
• Terma tidak dijelaskan pada jualan;
• Caj atau bayaran yang tersembunyi atau dinaikkan;
• Terma dan syarat kontrak yang tidak adil;
• Cabaran Perlindungan Data – Semakin banyak data pengguna yang dikumpul oleh penyedia PKD, semakin tinggi risiko penyalahgunaan data pengguna; dan
• Penipuan – Semua pengguna terutamanya golongan rentan yang berisiko tinggi dengan kes jenayah yang semakin meningkat seperti penipuan, pernyataan palsu, phishing dan juga mudah terpedaya dengan amalan perniagaan yang mengelirukan. Di seluruh dunia terdapat peningkatan sebanyak 149% dalam penipuan perkhidmatan kewangan digital berbanding tahun 2020
Terdapat bukti kukuh yang menunjukkan risiko ini telah meningkat sejak beberapa tahun kebelakangan ini dan krisis seperti pandemik COVID-19 telah menggalakkan lagi risiko ini, di mana pengguna yang rentan lebih senang terdedah akibat kesempitan ekonomi.
Sifat PKD yang berkembang pesat menunjukkan keperluan untuk mengawal selia perkhidmatan dan produk PKD yang lebih inovatif dan berpusat pada perlindungan dan pemerkasaan pengguna.
Kesaksamaan Kewangan Digital
Ahli Pasukan Petugas Hari Hak Pengguna Sedunia, telah mentakrifkan kesaksamaan kewangan digital sebagai produk dan perkhidmatan yang inklusif, selamat dan data peribadi yang dilindungi dan persendirian.
INKLUSIF: Semua pengguna, termasuk golongan yang paling rentan, mesti diberikan kemudahan capaian, infrastruktur dan peralatan digital untuk menyokong dan mengurus kewangan mereka.
SELAMAT : Semua pengguna, termasuk golongan yang paling rentan, mesti dilindungi daripada penipuan, pernyataan palsu dan phishing.
DATA PERIBADI DILINDUNGI DAN PERSENDIRIAN: Semua pengguna, termasuk yang paling rentan, mesti mempunyai data peribadi yang dilindungi dan bersifat persendirian.
PENIPUAN DI MALAYSIA
Pengguna telah hilang jutaan ringgit akibat penipuan. Menurut Jabatan Siasatan Jenayah Komersial (JSJK) Bukit Aman, antara tahun 2019 dan 2020 pengguna telah kerugian sejumlah RM 541.8 juta disebabkan oleh penipuan.
Dengan penumpuan isu Keselamatan, sempena Hari Hak Pengguna Sedunia 2022, FOMCA akan menjalankan tiga program pemerkasaan untuk melindungi pengguna daripada penipuan. Antara program tersebut adalah:
1. FOMCA bersama Bank Negara Malaysia akan melancarkan Majalah Ringgit Digital, yang bertujuan untuk mendidik pengguna, terutamanya pengguna muda untuk mengamalkan gaya hidup mampan dan amalan pengurusan kewangan peribadi di kalangan pengguna Malaysia. Versi Digital Ringgit akan dirasmikan oleh Y Bhg Encik Abu Hassan Alshari Bin Yahaya, Assistant Governor, Bank Negara Malaysia. Majalah Ringgit Digital akan diterbitkan melalui edisi portal Digital yang boleh digunakan untuk berkongsi maklumat dengan pihak berkepentingan terutamanya pengguna. Ia akan diterbitkan setiap 2 bulan sekali. Ia juga boleh didapati di laman web FOMCA dan Bank Negara Malaysia.
Link: https://cutt.ly/kA2UtAd
2. Mewujudkan kesedaran melalui media sosial (Tiktok, Facebook dan Instagram) – FOMCA akan bekerjasama dengan influencer dalam menyampaikan mesej kesedaran mengenai penipuan. Mesej kesedaran tersebut akan menumpukan tiga kes penipuan online yang berbeza yang diterima oleh National Consumer Complaints Centre (NCCC).
Link: https://fb.watch/byMZrEe6ok/
3. FOMCA juga akan memuat naik program pendidikan pengguna mengenai tips perlindungan diri daripada penipuan perbankan, penipuan pelaburan serta penipuan yang lain. FOMCA akan bekerjasama dengan pihak berkuasa yang berkaitan untuk membangunkan bahan pendidikan tersebut. Program pendidikan yang pertama mengenai Penipuan Kewangan akan dimuat naik pada 15 Mac 2022.
Link: https://fb.watch/bKsJP2tF94/
Bagi memastikan KESAKSAMAAN KEWANGAN DIGITAL untuk masyarakat pengguna, FOMCA akan terus memberikan tumpuan untuk melindungi pengguna daripada sebarang penipuan.
- Details
- Category: Press Release 2020
PRESS RELEASE / SIARAN MEDIA
10th MAY 2021
HAS YOUR INSURANCE COMPANY INCREASED THE PRICE OF YOUR MEDICAL PREMIUMS?
FOMCA has been recently receiving many complaints from policy holders of medical insurance of indiscriminate increase in the price of their premiums. We are concerned of how extensive this issue this and how many consumers have been similarly affected by the price increase of their premiums.
We call on all consumers with medical insurance policies to inform us of the price increase of your premiums and for those who have not received any notices of price increase in your medical insurance to contact your agent and ask him/her if there is indeed any increase in the price of your medical premiums.
At the current time, with unending lockdowns and conditional lockdowns, many consumers have been severely affected either through loss of jobs or reduction in incomes. This is certainly not the time to increase insurance premiums.
It is certainly wrong and unacceptable that insurance companies, at this time raise premium prices to make excessive profits. Consumers are already suffering.
If based on your feedback, we find that many consumers have been forced to pay increasing medical premiums, FOMCA will be launching a National Campaign to urge Bank Negara Malaysia to Stop the Increase in Medical Premiums.
Consumers are facing tremendous economic pressure due to job loss, income loss and economic insecurity. Now is certainly not the time to increase medical insurance premiums.
As a responsible regulator, Bank Negara Malaysia, to protect consumers, should have already pre-emptively directed insurance companies not to increase premiums at his point of time.
Please provide the feedback to FOMCA to enable us to know if you have been affected by the price increase of your medical insurance premium?
Let us as consumers act together to protect our interests.
These are the information we need
- Insurance Company
- Current Annual Insurance Premium (RM)
- New Annual Insurance Premium (RM)
You may email us the details at This email address is being protected from spambots. You need JavaScript enabled to view it. or via this online form https://www.surveymonkey.com/r/PriceHike .
Kindly visit our webpage www.fomca.org.my for more information.
- Details
- Category: Press Release 2020
January 15, 2021 2:13 PM
PETAING JAYA: The Federation of Malaysian Consumers Associations (Fomca) has urged the government to offer workers a minimum wage and extend the loan moratorium in the wake of the second movement control order (MCO).
Its president, Marimuthu Nadason, said the government must seriously consider the impact the reimposed MCO will have on workers and businesses.
“They will need financial support. Fomca urges that all affected businesses and workers will be supported at least with a minimum wage to help them through the crisis. Abandoning the workers without any support is just plain cruel.
“Next, Fomca calls on Bank Negara to extend the loan moratorium until at least August. Bank Negara’s silence and indifference to the plight of the rakyat is deafening. There should be an immediate moratorium on all loans to assist those impacted by the MCO,” he said in a statement.
He also suggested that insurance companies be prevented from increasing premiums during the period.
While movement restrictions were necessary, Marimuthu said, it was important to ensure vulnerable communities were not left behind.
“Let us not forget or neglect the low income and the vulnerable who are suffering and will be impacted even worse by these new measures. A responsible government should take concrete and firm measures to support them,” he said.
According to the Malaysian Employers Federation, the economic fallout of the various movement restrictions caused 30,000 businesses to cease operations, resulting in 100,000 job losses, last year.
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- Category: Press Release 2020
February 16, 2021 @ 3:23pm
KUALA LUMPUR: The Federation of Malaysian Consumers Associations (Fomca) has called for the authorities to categorise retail workers as frontliners.
Its president, Datuk Dr Marimuthu Nadason, cited the Jalan Telawi cluster which was a case of supermarket workers becoming infected with the Covid-19 virus.
"Supermarket and retail outlet workers have extensive exposure daily to their customers. During the entire pandemic, retail stores have been open to cater to the needs of the rakyat for food and other essentials.
"Retail workers are exposed to their customers, including those who may refuse or neglect to follow the standard SOPs such as wearing masks or keeping a 1m distance from others. This exposes the workers to risk," he said in a statement, today.
On the other hand, he said, if for some reason the workers themselves are infected, especially with no symptoms, they can be a source of infecting other workers and customers, exposing consumers to risk.
Marimuthu added that in some ways, retailers have been on the frontline throughout the pandemic serving consumers in which they live and work.
Throughout the pandemic, consumers have had access to food and other essentials, a crucial component in enabling consumers in facing the lockdowns, he said.
"As such Fomca urges the authorities to move retail workers to the front of the line for early inoculation.
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15 Jan 2021
LETTER | It has indeed been a harsh new reality for consumers living under the Petaling Jaya City Council (MBPJ).
In its obsession to “go digital”, MBPJ is demanding that assessment billing can only be made through digital means, without an alternative, and further warning that the council will not entertain exceptions for late payments. Harsh action that reflects how the local government has not considered the plight of the digitally disadvantaged.
They seem to deny that there is gross digital inequality between the rich and the poor; the rural and the urban and the able and senior citizens. There are indeed many poor and vulnerable groups in MBPJ's jurisdiction who due to poverty, lack of confidence or digital skills are unable to navigate the digital world confidently. They also deserve fairness and justice.
Even private utility companies provide online as well as physical bills and incentivise consumers through discounts to shift towards online billing platforms. The authorities should indeed be more sensitive towards the suffering of the vulnerable rakyat.
No effort has been made to identify and empower vulnerable consumers to help them through the process.
What is extremely disappointing are the so-called counsellors and local politicians who we had hoped would act to protect consumers and enhance their well-being. They have chosen to remain silent instead.
It is indeed laudable for the local government to go digital. It reduces paper wastage as well as brings savings to the agency. But please think of the welfare of all the rakyat, not just the technically savvy.
Read more: LETTER | Digital inequality in PJ - seniors disadvantaged
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