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.
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