Types of Frauds

Phishing

Phishing aims to trick you into clicking a message and revealing personal information.

  1. NEWS ALERT. Identity Theft Cases on the rise in 2019 https://www.thestar.com.my/tech/tech-news/2019/04/16/ram-credit-information-to-work-with-cybersecurity-malaysia-to-prevent-identity-theft/
  2. Received an email / SMS / WhatsApp / WeChat (or any other mobile chat application) with a link to update your account information? DO NOT CLICK on the link.
  3. Received an email / SMS / WhatsApp / WeChat (or any other mobile chat applications) with a link to update your banking account for LHDN tax refund? DO NOT CLICK on the link.
  4. Received an email with a link to unlock/unfreeze your banking account? DO NOT CLICK on the link.
  5. Phishing email/SMS aims to steal your information and identity. DO NOT CLICK on any links.
  6. DO NOT CLICK on any links that will redirect you to the Finexus Kayaaku Wallet login page. Always ensure that you type the Kayaaku Wallet login page in full: https://kayaaku-wallet.finexuscards.com/kayaaku-wallet/login
Phone Scam

Phone scammers will try to get your personal information in order to commit identity theft.

  1. NEWS ALERT. Civil servant loses RM1 million to phone scam https://www.nst.com.my/news/crime-courts/2019/05/490572/civil-servant-loses-more-rm1-million-macau-scam
  2. Do not provide any personal details or banking account information to an unknown caller. Hang up the call straight away.
  3. Do not entertain calls on any outstanding credit card/personal loan or incoming fund transfer from Bank Negara Malaysia.
  4. Do not entertain calls from MACC/SPRM regarding the settlement of money laundering charges.
  5. Do not entertain calls/emails from any banks asking you to update your account number for Lembaga Hasil Dalam Negeri (LHDN) tax refund.
  6. Do not entertain calls from Magistrate/High Court, PDRM, Jabatan Audit Negara, asking to investigate your bank accounts due to drug trafficking, money laundering, or any other suspected criminal activities.
  7. Do not entertain calls from PDRM regarding a hit-and-run incident that occurred outstation.
  8. Fraudsters may use the Caller ID spoofing technology to mask the actual phone number and display a different number.
Parcel Scam

Parcel scammers will try to coerce people into paying money to release goods sent to them.

  1. NEWS ALERT. Love scam victim loses over RM3 million https://www.nst.com.my/news/crime-courts/2019/06/494728/syndicate-cheats-love-struck-penang-bank-officer-rm32-million
  2. Received an email/WhatsApp/Facebook Messenger regarding a parcel that contains cash, jewelry, laptops, mobile phones, and other valuable items? It is a SCAM!
  3. Received a call from a Courier Company or from Jabatan Kastam Malaysia regarding a parcel stuck at KLIA/Port Klang? It is a SCAM!
  4. Received a call demanding you pay import duties for your mobile phone shipment? It is a SCAM!
  5. Parcel scams require you to pay a sum of money to redeem your goods from Jabatan Kastam Malaysia. Ignore the payment request and hang up the call.
Urgent Payment Scam

Urgent messages that are falsely from a friend/relative asking you to transfer money quickly.

  1. Received an email/WhatsApp/WeChat/Facebook Messenger from your relative/friend regarding an urgent payment because their account is locked or OTP is not working? It is a SCAM!
  2. Received an email/WhatsApp/WeChat/Facebook Messenger from your relative/friend requesting temporary funds because they lost their cash and credit card overseas? It is a SCAM!
  3. DO NOT be pressured by a strict deadline stated in the email/ WhatsApp/WeChat/ Facebook Messenger.
  4. DO NOT perform any payments or fund transfers to any third party without calling your relative/friend to verify that it was a genuine request.
  5. Finexus Cards Sdn Bhd staff will never ask you to transfer funds to their own personal account or an any other third-party personal account to buy our product and services.
  6. Your relative/friend’s mobile device may be infected with malware allowing hackers to send messages on their behalf to their contact list.
Loan Scam

Fake financing companies that request your personal and banking details on the pretext of providing loans.

  1. NEWS ALERT. Clerk loses life savings in loan scam https://www.thestar.com.my/news/nation/2019/05/04/clerk-loses-rm32000-life-savings-after-being-cheated-in-loan-scam/
  2. Be careful of third-party loan/financing companies offering personal loans via WhatsApp/WeChat/Facebook/SMS (or any other mobile chat applications).
  3. Do not pay any admin fee or insurance fee to the third party for faster loan approval.
  4. Do not share your personal details, banking account information, or documents (such as NRIC copy, EPF statement, bank account statement, etc.) through WhatsApp/WeChat/Facebook (or any other mobile chat applications) when applying for a loan.
Malware Attack

Links that trick you into clicking on false sites or downloading malware that can attack your hardware.

  1. NEWS ALERT. Malaysians are exposed to 45,000 malware threats every day https://www.digitalnewsasia.com/digital-economy/trend-micro-malaysia-encounters-most-malware-threats-sea-2018
  2. DO NOT click on any links or attachments in email/WhatsApp/WeChat/Facebook Messenger.
  3. DO NOT download any mobile apps from untrusted sites.
  4. DO NOT “root” or “jailbreak” your smartphone as this could compromise your smartphone security.
  5. Do not click on any other link which says FINEXUS Kayaaku Wallet. The official FINEXUS Kayaaku Wallet website URL is https://kayaaku-wallet.finexuscards.com/kayaaku-wallet/login
  6. If you are prompted repeatedly for a Password or OTP even though you have entered the login credentials correctly, immediately close the mobile app/browser.
  7. If your Password is visible when you type in the Password field, immediately close the mobile app/browser.
  8. If you see a delayed pop-up screen that says the system is not available and repeatedly asks you to enter OTP, immediately close the mobile app/browser.
  9. Call our customer support team if you receive SMS messages on transactions that you did not initiate.
  10. If you are redirected to a third-party website, immediately close your mobile app/browser.
  11. DO NOT entertain calls purportedly from staff in Finexus Cards Sdn Bhd asking you to verbally reveal your Kayaaku Wallet Login ID, Password, or OTP.