I have terminated my Twitter acc since nobody ever replied to me on how to get a car that I can drive without any encumbrances. Even in WhatsApp people communicated to me like nuisance.
Whether they are politicians, bankers or telco operators, they are similar to bastards as they seem to be.
Let them become as what they wish: morons.
The influx on e-wallet applications in the mobile smartphones & tablets / laptops etc have made things gone too easy for people to reload their e-wallets (as compared to physical wallets where they hold cash therein). Nothing can make e-wallets exactly the same as the hard copy version (actual wallet) whereby the hard cash money is being converted into digital money in the app.
I am writing this article because the impact of the use of the e-wallets have not reached the significant intention of their invention due to several reasons, one of which is that NOT many services accept the use of e-wallets in its first interval such as car rental service (like SOCAR, GOCAR, KLEZCAR etc.) should the first registration of debit card/ credit card fail from the outset. The use of these e-wallets have not helped at all for instance a user who needs to rent a car, because he is being denied entry to the car rental application due to OTP numbers which are sent to different telephone numbers by the "hacked system", or in some cases the banks do not accept the debit cards / credit cards held by the users due to “internal reasons” like users are being blacklisted by Telcos or banks’ associates or even bastard bill collection agencies.
It is seen as a way that bankers and the monetary regulatory bodies wish to do away with hard cash transactions and people are directed in silent and bit by bit to familiarise with the use of e-wallet or digital money transactions by way of smartphone affiliated functions.
Most of the times people are required to register and top up/ reload e-wallets via banking deposit into the e-wallets with certain terms and conditions. The question is: how safe the personal data of users in the hands of those operators? People are lured to have access to e-wallets just to get easy money aid like e-Penjana or other monetary gains which they thought they could reap by entering the “digital gateway”.
So the valid reasons to have access to e-wallets are not strong for users because they just follow what the banks and their “gangster” agencies dictate them to do so. We can see that some of the car rental applications for instance do not really helpful when a user is having problem with the registration of debit card to use the car service. Client is left hanging and nobody seems to be contacting the user who really needs the car for rental. Worse, the data like personal details and licence have been collected by the app operator with selfie photo or video, the security and safety of those information is now being questioned in the hands of the operators.
The exposure of those data and information in the hands of third parties are too alarming and this will involve trust issues as much as authenticity of the operators who are seen as “invisible hands” which may have hidden agenda of their existence.
In another dimension, we can see that many people old and young who are not computer or IT savvy, would definitely surrender the use of the e-wallets to the ones closest to them like their immediate family members or friends or office colleagues and dictated by them in the use of the e-wallets on their behalf. Absolutely their personal details and information and app are at jeopardy. Do not be surprise that some of them do not even know that they have e-wallets in their names and ID.
The use of e-wallets must always be made by the actual owners, and must not be under the pressure or intimidation or under duress or by any dictate of others - at all.
Smartphones are not always SMART. Like WhatsApp and social media applications which are vulnerable to third party intrusions and manipulations. Nobody knows for example who operates the WhatsApp number on the other side when someone sends his details like ID and Driving Licence photos to Car Rental Service Provider’s telephone numbers found in Instagram or other social media.
The above is very dangerous because the regulatory regarding the car rental service is inexistent as far as the use of unregistered cars for car rental services are concerned. A person who really needs to have access to a car has not been helped wisely.
The use of e-wallets for payments in shopping malls and shops or even online services, have gone too far routed like users are being offered points when they spend - the more they spend, the more points they will gain. Those points may be used to enter into “contest” by spending some of the points users collected to qualify themselves to WIN a car, smartphones or whatever BAITS the operators wish to give away. Some of the points can also be used to pay via online equivalent to monetary value. For e.g. 100 points = 10sen etc.
The addiction to top up/ reload and spend via e-wallets have not in actual sense given the right direction of the use of e-wallets in the first place. Users use e-wallets just because they are LURED by materialistic gains out of the points (which are fake and non-inclusive i.e not everyone will win an iPhone 12 or that horrible local made cars which are the brainchild of the previous Prime Minister and the gang). The points will be lost even they do not win anything.
I do not see any advantage in using those e-wallets other than to get e-Penjana e-wallet free RM50 or maybe RM100 food basket - only following the directives of the Ministry of Finance to do so.
When I needed a car, not even an app is being created - what we have now is just the products of ancillary financial services operated by hooligan bankers and their bastard associates.
People must remember, the e-wallets are just apps to spend. They are not apps to make you feel secure and to give you the car that you really need to most. The mainstream banks are just like leeches as they are always meant to be.
To sum up, there are people who are too IT-expert whether they are politicians, bastard bankers and associates or car dealers etc. They got what they need - data and information of all people they need to keep for themselves.
Hitherto, I do not have access to a car that I really need.
I need a car, I do not need moron bankers, car dealers or Telcos.
People who are looking for jobs do not really see the clarity when filling up the application forms.They are initially marketing themselves in terms of their resume/ cv which contain their personal details and important contact details by the employers.
Of late, the use of Whatsapp and other social media applications have made it even easier for the applicants to apply for jobs. But the question is how safe the data and personal contacts are in the hands of the apps operators and employers?
The applicants do not need to fill up so many forms actually but the company policies and the agency services dictate them to do so, failing which their applications will never be processed.
To apply online is one of the favourite methods to majority of employers nowadays. They would have access to the resume banks of all the applicants. The question is how the applicants may contact the Employer and vice versa.
The advent of bill collection agencies “off-side” of the banking systems and intelligence units assigned by the banking system and their associates have made it even harder for the applicants to apply for jobs they really hopeful for.
Therefore there is a need for the Government to centralise the companies dealing with bill collections because they are seriously uncontrollable and in most cases they can do anything like intruding the privacy of people in the workplace and making cold calls and becoming scammers in the name of bill collectors.
The credit agencies also are at risk because they are buying and selling (trading) credit records and personal details which are private and confidential. When those records fall to the wrong organisations, the detrimental effects would be catastrophic.
The RESUME/ CV BANK that we have now is being managed by many companies (registered and not registered) which do not even stand strong in their security and financial management too. They just want to recoup any commissions or profits from those resume banks.
It is vital for the government agencies and also companies to streamline a standardised resume/ cv bank because we do not want the database containing details of all applicants to be manipulated by unscrupulous parties especially bastard bankers and Telcos which have already in the last decade contributed to severe effects to the public at large such as irresponsible re-possession of cars and looting of properties.
There are occasions of unreported assaults made by the bill collectors and intrusions to the personal property and also manipulation of assets such as cars belonging to people who are really in need of cars.
Bastard scammers are everywhere. But what have we done to combat those bastards? Ah Long Berlesen now has got new name like Perkhidmatan Kredit Komuniti which is actually a facade to a more subtle name for them and you can see how they threaten their clients like holding their debit card and threatening the lives of the borrowers who are already in difficulties when they have to re-pay annoying and bloodsucking interests.
The mainstream banks are silent regarding this because they themselves are like leeches sometimes, for e.g charging extravagant monthly financial charges to credit card loans. And they claim themselves as the hero in corporate social responsibility (CSR) statements and some of them sponsored porridge (bubur lambuk) during the month of Ramadhan - ironic as it seems to be.
To apply for a job nowadays, one has to get the blessing from one of those bastard banks and scammers. This must stop because nobody wants to be indebted on daily basis out of his/ her difficulties. Without a synchronised system of transparency and trustworthy in the banking system and combatting those bastard bill collectors, nobody will gain anything.
