Bank Negara Malaysia requirement on using phone for mobile banking app authorisation is making people waste money on unnecessary phone upgrade. 

I have a backup phone that still functioning well, no scratch and damaged since I'm not frequently used it. Now the phone cannot be used for mobile banking authorisation since the requirement is you need to use Android 11.

In other countries no such nonsense that being applied to their citizen.

Just because certain "STUPID MALAYSIAN" that keep download bullshit apps on their phone and keep being scammed due to their fault, now the whole Malaysian need to face the consequences thanks to the idiots that don't know how to use their phone properly.  

It has been awhile our phone is much more important than our wallet. If we left our phone at home, we will u-turn and drive back home to retrieve it. But if we left our wallet at home, we probably just borrow some money from colleagues if no Apple Pay. That’s why Bank use this particular characteristic to build their identity verification and safety.