This topic is long enough XD Din expect it cant still survive till 2022.

dont think it will be scrap as many banks are pursuing, and money being spent. the project is almost at the last kick. Just matter of testing and sign off.

Wow, TS appeared haha.

I see. Do you guys know the person that’s is withholding the signing off AP usage in MY inside BxM? If so, is the person a relatively old guy or they are all this cautious upon launching something new that involves money?

That is because unlike Maybank, CIMB in Singapore is basically a Malaysian bank with a Singapore branch. The same for a few others as well such as Hong Leong and RHB IINM. So when it is that case, they tend to follow more on HQ side which is Malaysia. Maybank Singapore instead is an entity with their own CEO and organisation which reports back up to Malaysia.

Usually the process is this, banks write a paper to BNM for approval (there is a category usually for either approvals or FYI which BNM has a guideline on). BNM has until 21 days to respond back and if the explanation is not clear in the paper that raises more questions, then BNM will raise these questions back to the bank. Questions usually can be in the form of IT security, compliance, risk mitigation actions, processes in place to support, what happens if a customer complains about XYZ and how does it flow and how will it tackle.

i sounds to be ridiculous if bxm reject AP when AP launched in 2014
and almost 7.5 years proven safe worldwide by 69 countries support it
even those countries that 'poorer' and 'underdeveloped' than msia already support it
their brain filled with grass then

Very rarely that they will reject the technology. The guys there are smart, really. It's always about how the local players here will manage and handle the risks associated with it. At the end of the day, BNM cares mostly for the customers especially when it comes to poorly implemented technologies which might have left out open loopholes or inadequate processes to deal with it (not directly saying AP but in general any new technology brought to them). For example, technologies like eKYC has been used for many years but it took some assurances as well as making sure processes are in place for risk mitigation before you started seeing more and more local banks offering it here.

Here are some examples of Apple Pay frauds around the globe.

TLDR version: The technology itself isn't the cause of fraud but the setup of new cards from issuing banks into Apple Pay.

https://www.retaildive.com/ex/mobilecommerc...ds-not-platform

https://www.cnbc.com/2015/03/04/whos-at-fau...e-or-banks.html

https://www.forbes.com/sites/thomasbrewster...sh=3c1c2127622f

So we are now looking at the 2nd week of February to hit the 21 days mark. Okay. Cool. Let's hear from our fellow forumers by then.

1st and 2nd is already 6 years ago. Should be "patched" by now.
The 3rd is just a mere 2-3 years ago. Hmmm...

Rnggt website on using Android device as terminal instead of traditional terminal

But why? Scams will rise I tell you. Scammer sellers/merchants sure to get a fake app and copy all the details when we wave our cards on their phone

It's nothing new. Samsung pay has been here for ages. And we have duitnow and all sorts of ewallets in Malaysia.
It's not about being old etc

This post has been edited by faizalmzain: Jan 11 2022, 10:51 PM

Reason being is because POS terminals are expensive and banks usually charge a monthly rental fee for the POS terminal. Having an application on the phone is a cheaper alternative but the cheapest these days is really utilising DuitNow QR. Just that more awareness with the public (outside of the cities especially) on the use of DuitNow QR

Haha..I got notification on this topic geh...haha..

Could this be the date for malaysia's first apple store opening? I heard the store may open as early as 2022?

Is this why MaybankPay discontinued?


Howevere there is still no news about MaybankPay successor

This post has been edited by Doraku: Jan 12 2022, 11:11 AM

Yeah, I’m also equally suprised, you were here from the very beginning. Welcome back to the forum. shyan90’s

Yeah doubt the banks will give up after investing a lot of money into the project. Hope the banks & BNM both have the same understanding of Apple Pay and agree on the certain risks of its platform.


To my understanding, there are two methods of adding cards to Apple Pay.

Method 1
Open your card issuer’s App
Login & verify your details
Find ‘Add to Apple Wallet’ button
Add your card to Apple Wallet

Method 2
Open Apple Wallet
Tap the ‘+’ button
Scan or enter card details manually like Name, Card Number & Expiry Date
Then enter the Security Code (At this step, even if your set region is a supported Apple Pay country; it would reject any unsupported issuer)
Read & agree with the Terms & Conditions
It would verify the card details given with the card issuer
Then finally it would verify who is adding the card with methods like Text Message, Call or Email
(And I assume Card Issuer App verification would be supported like Maybank’s Secure2u, CIMB’s SecureTAC and etc.)

I’m not sure if it’s true but I remember watching some videos back when Apple Pay was released, it lacked the final verification step.
So bad people could get stolen credit card details in person or on the black market and add it to their iPhone.
Of course, as time went by they fixed these security flaws; but it must scary to know that it was that easy back then to commit fraud with Apple Pay.

Thanks for confirming. Waiting game now

If BXM reject AP regarding the security issues,, thn you are really a JOKE! Malaysia eWallet & on9 payment security protocol (standard) is still very LOW & can't even meet/compare the China standard! Thn still scare AP secuirty matter this and that la,, heyy,, this is really no point and SHAME la since you can't even make a strong security protocol for the eWallet & on9 payment in Malaysia! And you point back to AP security layers???!!! Even nowadays bank tac can get hack ar or bank acc missing $$ (not to mention personal fault)

In Malaysia, I only trust TnG because of the Ali team behind!

This post has been edited by Feliex: Jan 13 2022, 05:01 PM

Fuhh what are you guys talking about? The Central bank does not reject Apple Pay, in fact it’s coming real soon. Mark my word 😆

Hi bro, do you know when Apple Pay will be coming?
Roughly when?

how you know？ 😂😅
march2022 also？