Mobile banking apps like MAE are a terrible idea. When I am eating at a roadside stall, I don't need to be holding my banking app (and my entire life savings).

If you are robbed, the robber will no longer ask for your wallet. All he wants is your phone and banking password. And if you are rich, he'll hold you captive for as many days as required to drain all your savings.

The next time you step outside, think about what you have installed on your phone. We are taught never to carry excess cash when going out. But nowadays we carry the entire banking system everywhere we go.

Banking is NOT a lifestyle app. Banking should be done only in the security of your home. Use an old phone if you need to install banking apps. That old phone stays at home.

I dont disagree with the points you have mentioned.

So... you are ok with paying with credit cards, other ewallet, just not MAE or equivalent?

Better use banking apps cause can trace where the money transferred to..rather than cash that will disappear to thin air..

Unfortunately maybank conversion rate is on high side.