Nabil Luqman

0f9d2dd4f71434084e2b6094de1865e23abb37bb9f28ca51feeabee679ec9be2

Money

Savings

money management

flexible

Account 3

funds

high interest

Have you checked out the latest Employees Provident Fund (EPF) Account 3?
In case you missed it, EPF has recently revamped its system and introduced a new Account 3 (Fleksibel) for members below 55 years old. This new account offers members the flexibility to withdraw funds whenever they need it. Account 3, which was launched on May 11th, will start from a balance of RM0. EPF members also have the option for a one-time transfer to shift funds from Account 2 (Sejahtera) to Account 3 (Fleksibel).
&nbsp;Read: <a href="https://myc.my/articles/3446/epf-account-3-launches-this-may-what-you-need-to-know">EPF Account 3 Launches This May: What You Need to Know</a>
However, despite the promise of flexible withdrawals, reports have surfaced claiming that members can only withdraw up to RM250 per day. But is this claim accurate?
How To Withdraw Funds From Account 3?
<img src="https://r2.myc.my/624ca88a0734fae15cdece24ef7cd69121ce694d06ab81d4279e28d64228d90e" />
EPF members may withdraw funds from Account 3 if there's sufficient balance. Account 3 starts with an initial balance of RM0, accumulating savings from subsequent contributions. Under the new restructuring, monthly EPF contributions are allocated as follows: 75% to Account 1 (Retirement), 15% to Account 2 (Well-being), and 10% to Account 3 (Flexi).
The minimum withdrawal amount is RM50, and applications can be made online via i-Akaun on the app, available on major app stores. For withdrawals exceeding RM250, an eKYC process is required, accessible online. If unable to complete eKYC online, verification can be done at EPF offices or Self-Service Terminals (SST) using thumbprints.
To do so, EPF has released a simple guide that users can follow:
Step 1: Login to your KWSP i-Akaun. Step 2: Tap withdrawal and select withdraw your savings. Step 3: Select Akaun Fleksible and select withdraw now. Step 4: Enter the desired amount that you want to withdraw then select continue. Step 5: Select &amp; update your banking details and select continue. Do note that the bank needs to be registered under your name. Step 6: Read through the Members Declaration and select Accept to continue. Step 7: Enter the TAC number and you&rsquo;ll be directed to a confirmation page indicating your application success.
Withdrawals from Account 3 don't necessitate any additional documentation, yet an operational bank account is necessary to facilitate the payment process. While physical presence for identity verification at offices isn't mandatory due to the availability of online options, this is contingent upon your withdrawal records and the sum requested, provided it's within RM30,000. In cases where there's no prior withdrawal history or if the bank account details differ, identity verification can be completed through two alternative methods:
<ul>
<li>Thumbprint verification via Self-Service Terminal (SST) at any EPC office, for withdrawal application amount of more than RM10,000, OR</li>
<li>Online verification, subject to withdrawal application amount of less than RM10,000.</li>
</ul>
<img src="https://r2.myc.my/6c719b9fb9d7eb678ac80c1c993b5e8e14e5c059cca3c53f199c6996beb313e7" />
If you've requested the one-time transfer of funds from Account 2 (Sejahtera) to Account 3 (Fleksibel), EPF has indicated that it will take 3-5 business days.
For those with enough funds in Account 3 who have applied for flexible withdrawal, the payment will be transferred to your designated bank account within 7 business days upon approval of the application.
Transferring Funds Into Account 3 Using The i-Akaun App
Aside from withdrawing funds from Account 3, there's also the option of executing a one-time transfer from Account 2 to the recently established account. To initiate this transfer, simply click on "Learn More" under the banner titled "Akaun Fleksibel: Meet today&rsquo;s goals, shape tomorrow&rsquo;s dreams".
<img src="https://r2.myc.my/a797ad3fc9b2ee9965cd6bfa423762dfcf207a823450076f8e4c64fa9733fccf" />
Once you've accessed the introduction to the new structure, proceed by clicking "Next" and then the "Transfer Now" button. Following this, you'll encounter an important reminder that must be acknowledged before proceeding with the transaction.
Within the designated one-time transfer window, you have the flexibility to transfer funds from Account 2 to either Account 1 or Account 3. Additionally, you'll receive a detailed comparison of your Account 1, 2, and 3 balances before and after the transaction. Please be aware that EPF regulations prohibit users from transferring funds from Account 1 to any other accounts.
<img src="https://r2.myc.my/38c558e89dfce7b7d4e23abfaf4b4b845c473a65bd255b261f16bf53acbea853" />
Furthermore, it's important to note that users do not have the option to select the amount of money they wish to transfer to Account 3, as it is predetermined by the system. Following this, you'll be prompted to finalize the Member's Declaration and click "Accept" after reviewing the terms. Finally, please allow for a processing time of approximately 3 to 5 working days before the transfer is completed.
While it's now possible to withdraw funds from Account 3, it's not recommended unless absolutely necessary. Given the current economic conditions, with the cost of living nearing an all-time high, many Malaysians are diligently saving and seeking additional sources of income whenever possible.
In our opinion and coming from MYC! CEO, Jason Ko, who is an ex-investment banker, he says that withdrawing funds from EPF Account 3 should be based on careful considerations of affordability and should only occur in life and death situations. He advocates for keeping wealth where it generates the highest interest, as deferred expenses can accumulate significantly over time. He emphasizes the principle with a quote: "if you never see it, you never have it," suggesting that out-of-sight funds help in wealth accumulation.
<img src="https://r2.myc.my/89080a8d93eeed8a9dfa0daece29a4ae41952949ebd5d9f8c99c330a9805f367" />
EPF withdrawals, however, are often spent on non-essential items such as gifts for family or holidays based on a few studies. Referencing the chart above on Malaysians' financial self-sufficiency, it's clear that a significant portion of financial challenges arise from inadequate financial assets. The chart reveals that 65% of EPF members have savings of less than RM50,000, and that 50% of former EPF members exhaust their savings within five years, highlighting the urgency for better financial planning and restraint in fund usage.
Ultimately, the decision rests with you. However, if you lack the means to utilise the funds, it's wise to save them. We don't pass judgment on how you choose to allocate your money, but we're always here to lend an ear when others find themselves in financial distress.
What are your thoughts on this? Let us know in the comments. 
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Do note that despite Account 3 being flexible, you can only withdraw RM250/day. 

06fc166df57d9b983f4958de74a1aba0b6fc1adb626494b3793078fb89fea09a

EPF: How To Transfer & Withdraw Money From Account 2 To Account 3 Via i-Akaun App? 

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Telegram was briefly removed from Apple&rsquo;s App Store worldwide after Apple found content that violated its strict guidelines against child sexual abuse material (CSAM). The messaging app was later restored after Telegram removed the reported content and banned the account involved.
The incident has reignited discussions over content moderation on large platforms, with Telegram founder Pavel Durov questioning Apple&rsquo;s decision and warning that similar action could potentially affect other user-generated content platforms in the future.
Telegram Disappears From App Store Before Being Restored
<img src="https://r2.myc.my/2024bbab0da57776ae0df5455f47de9f5f20d24dae33a02d8bc3892305137850" />
On Monday (3 August), Telegram users around the world noticed that the app had disappeared from Apple&rsquo;s App Store search results, preventing new users from downloading the application on iOS devices.
However, existing users who already had Telegram installed on their iPhones and iPads were still able to use the app normally. The application also remained available on Google&rsquo;s Play Store for Android users and continued to appear on the Mac App Store.
The disruption lasted only a few hours before Telegram confirmed that the app had been restored.
&ldquo;Telegram has been restored on the App Store and should soon be available again for all users,&rdquo; the company said in response to inquiries.
Apple Says Removal Was Due To Illegal Content
<img src="https://r2.myc.my/aada2d6a2e688e095da8745cbf9bb5523590c07c32a14e3dfdfa5165e35ccacb" />
Apple later confirmed that Telegram was temporarily removed after a review discovered content that breached its guidelines prohibiting child sexual abuse material.
&ldquo;We briefly removed Telegram from the App Store after our review found content that violates our strict guidelines prohibiting child sexual abuse material,&rdquo; an Apple spokesperson said.
The company added that Telegram was reinstated after the platform removed the content and permanently banned the user responsible for uploading it.
The incident marks the second time Telegram has faced removal from Apple&rsquo;s App Store. In 2018, Apple also temporarily removed Telegram and Telegram X after finding &ldquo;inappropriate content&rdquo; accessible through the apps. The apps were restored on the same day after Telegram introduced additional safeguards.
Pavel Durov Claims Incident Was Linked To Alleged Extortion Attempt
&nbsp;<img src="https://r2.myc.my/63c8c4500d920a7730d975b3a570415b0661aa9caaee6b84939398609c05faac" />
Telegram founder Pavel Durov provided a different explanation for the incident, claiming the violation was caused by a user attempting to manipulate Apple&rsquo;s moderation process.
According to Durov, a member of a group chat allegedly edited an earlier message using artificial intelligence tools in an attempt to make the group appear to be violating Apple&rsquo;s rules.
He claimed the action was linked to an alleged extortion attempt, suggesting that the person behind it wanted to pressure the group&rsquo;s administrators into paying a settlement.
Durov criticised Apple&rsquo;s decision to remove Telegram without prior warning, arguing that platforms with billions of users could be vulnerable to similar situations.
&ldquo;If an app used by more than 1 billion people can be removed from the App Store without any prior warning, any app can face the same fate,&rdquo; he said.
Telegram&rsquo;s official account on X also responded to the incident with a post saying, &ldquo;reports of my demise are greatly exaggerated,&rdquo; alongside an Apple emoji.
Telegram Defends Its Content Moderation Efforts
<img src="https://r2.myc.my/8fd9c3dbe3c223cfd209ecaa4d98ea5d102449b45919c1edd63ae0eeb11f009c" />
Telegram said it maintains a zero-tolerance policy towards child sexual abuse material and claimed it had removed hundreds of thousands of groups and channels containing such content.
The company said it had blocked nearly 338,000 groups and channels linked to CSAM this year through its moderation systems and detection tools.
However, the platform has continued to face scrutiny from regulators worldwide over how it handles illegal content.
In April, the UK&rsquo;s communications regulator Ofcom launched an investigation into allegations involving the spread of child sexual abuse material on Telegram. The company denied the accusations, saying it had &ldquo;virtually eliminated&rdquo; public distribution of such material since introducing improved detection methods in 2018.
Telegram was also fined by Australia&rsquo;s online safety regulator after allegedly failing to provide sufficient information about measures taken to combat child abuse material and violent extremist content.
Previous Legal Challenges Facing Telegram
&nbsp;<img src="https://r2.myc.my/2ab67f1fac39057aaa25a329c31573251207448dd38e8211d0c12f1eb665060c" />
The latest App Store incident comes amid ongoing legal challenges involving Telegram and its founder.
Durov was charged in France in 2024 over allegations related to criminal activity taking place on Telegram, including accusations concerning the spread of illegal content. He has denied wrongdoing and has repeatedly defended Telegram&rsquo;s approach to user privacy and platform freedom.
The founder has also faced criticism from Russian authorities, who accused Telegram of being used for extremist activities &mdash; allegations Durov has rejected.
Founded in 2013 by Pavel and Nikolai Durov, Telegram is now one of the world&rsquo;s largest messaging platforms, with more than one billion monthly active users. The company is headquartered in Dubai after the brothers left Russia following disputes over their previous social media platform, VK.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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A temporary App Store ban, a quick fix — Telegram returns after addressing Apple’s concerns.

c1c42ff6dc4677bf9697b1ab64e6273cc0745aec0115c7f201491c952d824fb3

Telegram Briefly Removed From Apple App Store Over Content Violation Concerns, Restored After Action Taken

FIFA has apologised for its handling of the now-abandoned proposal to open the FIFA World Cup to private investment, admitting mistakes were made throughout the process while reaffirming its full support for president Gianni Infantino despite mounting calls for his resignation.
The governing body issued the apology following an emergency leadership meeting in Rabat, Morocco, after the proposal triggered widespread criticism from football associations, politicians and former players around the world.
FIFA Admits Mistakes Over Controversial Proposal
<img src="https://r2.myc.my/30136d9994e31d5c77b314a2cd34fe0318be567c09050cfa4b2dc4cb5effd6b9" />
In a joint statement signed by Infantino and FIFA Secretary General Mattias Grafstr&ouml;m, FIFA acknowledged that the process surrounding the proposed FIFA Forward Enterprise (FFE) had been mishandled.
The organisation admitted member associations and the FIFA Council should not have felt excluded from discussions and also apologised for the way events unfolded after details of the proposal were leaked to the media.
"We sincerely apologise for these errors and commit to ensuring they do not happen again," the statement read.
FIFA added that it will conduct a full internal review, with the findings to be presented at the next FIFA Council meeting.
What Was FIFA Forward Enterprise?
<img src="https://r2.myc.my/964b34f1d3fbffd0633a2fb9b637ab016502bf95387b5ce265cbd12199aeef98" />
The now-scrapped FIFA Forward Enterprise (FFE) was designed as a new commercial subsidiary that would oversee FIFA's biggest competitions, including the FIFA World Cup and Club World Cup.
FIFA said the venture could have been valued at around US$20 billion (approximately RM85 billion) and potentially raise US$4.2 billion (around RM17.2 billion) through private investment.
Under the proposal:
<ul>
<li>Each of FIFA's 211 member associations would have received a one-off payment of US$20 million in early 2027.</li>
<li>Funding for member associations between 2027 and 2030 would have increased from US$8 million to US$20 million.</li>
</ul>
While FIFA argued the additional funding would accelerate football development worldwide, many football stakeholders feared the plan would effectively commercialise and privatise the sport's most prestigious tournament.
Fierce Opposition Forced FIFA Into A U-Turn
&nbsp;<img src="https://r2.myc.my/13570fe90a1e7e75102bbe4ade84c9b456a18814a4967adde5afdcef01f81a52" />
Instead of winning support, the proposal sparked immediate resistance across global football.
UEFA strongly criticised the idea, describing it as a "shabby, back-room, opaque deal" and reportedly considered boycotting FIFA competitions if the proposal proceeded.
CONCACAF, which governs football across North and Central America and the Caribbean, also condemned the plan and called for "a comprehensive reckoning" with Infantino's leadership.
Several UEFA member associations reportedly withdrew their support for Infantino's expected re-election campaign, while criticism also emerged from political leaders and football legends.
Canadian Prime Minister Mark Carney publicly stated he no longer had confidence in Infantino's leadership, despite Canada having co-hosted the 2026 FIFA World Cup.
Portuguese football icon Lu&iacute;s Figo delivered one of the strongest criticisms, describing the proposal as a "grubby" and "self-interested" attempt to profit from the World Cup. He argued that Infantino should step down, saying his resignation would be "not too late to save football."
FIFA Board Continues To Back Infantino
&nbsp;<img src="https://r2.myc.my/a16c5e934fb7a77bb82a9c5497fdef00742c8ffc4b23b021c24b2c1c1974fd98" />
Despite the growing pressure, FIFA's leadership insisted it still had confidence in its president.
Following the Rabat meeting, members of FIFA's Management Board reaffirmed their "full support" for Infantino, describing him as the only official elected by all 211 FIFA member associations.
The organisation also stressed that although mistakes had been made in the handling of the proposal, it maintained that all actions were carried out in accordance with FIFA's rules and governance framework.
FIFA further stated it would "no longer tolerate attacks on its integrity, good governance and due process" following the withdrawal of the proposal.
Internal Divisions Surface
<img src="https://r2.myc.my/d3adc574c9820ec24482d895beadcf87b1a764dd8c798b3afe637970322799a0" />
The controversy also exposed signs of internal disagreement within FIFA itself.
Reports revealed that Secretary General Mattias Grafstr&ouml;m had privately criticised the proposal in an internal email before the crisis meeting, reportedly describing the initiative as "sad and reproachable."
However, following the emergency discussions, FIFA presented a united front, with both Grafstr&ouml;m and the Management Board signing the public apology alongside Infantino.
Proposal Officially Withdrawn
FIFA confirmed that the FIFA Forward Enterprise proposal has now been officially taken "off the table."
The governing body said the project would have required approval from both the FIFA Council and its member associations before proceeding, but following the backlash, it will no longer be pursued.
Instead, FIFA will focus on rebuilding trust within the football community while reviewing how such major proposals are developed and communicated in future.
Although Infantino has survived the immediate leadership crisis with the backing of FIFA's board, the failed investment plan has left his presidency under increased scrutiny ahead of the next FIFA presidential election, where questions over governance and transparency are expected to remain key issues.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Infantino’s controversial World Cup privatisation plan is scrapped after massive backlash.

799b290f093b1fd7f23faed3f490a091b5c3221200ae9240faefb80238b7933d

FIFA Apologises After Scrapping Controversial World Cup Investment Plan Amid Leadership Backlash

Just days after a Malaysian airline pilot was arrested in Indonesia over an alleged drug trafficking operation, another Malaysian has been detained in a separate case, intensifying concerns over whether international drug syndicates are increasingly recruiting Malaysians as couriers.
The latest arrest involved a 22-year-old Malaysian from Johor, who was allegedly caught attempting to smuggle nearly one kilogram of methamphetamine and more than 1,000 ecstasy pills into Indonesia through Juanda International Airport in Surabaya.
The incident comes amid a string of recent arrests involving Malaysians in Indonesia, Thailand and Singapore, prompting calls for stronger cross-border enforcement and tighter security measures at Malaysian airports.
22-Year-Old Allegedly Caught With Drugs Hidden Beneath Corset
&nbsp;<img src="https://r2.myc.my/4d50d158f3a851d96a427cc931977bf96d6f96a1fa0bbd1f2ce31ddb0d73237d" />
According to Indonesian authorities, the suspect, identified only by the initials DI, arrived at Juanda International Airport's Terminal 2 on Monday (3 August) aboard Batik Air flight OD352 from Kuala Lumpur.
During an inspection, officers reportedly discovered narcotics concealed beneath a corset wrapped tightly around his body.
Authorities seized four packages containing a total of 990g of methamphetamine and another four packages containing 1,089 ecstasy pills, with the drugs estimated to have a street value of approximately 2.79 billion rupiah (around RM715,000).
Officials also said the seizure potentially prevented the drugs from reaching an estimated 6,500 users.
According to investigators, the suspect claimed he agreed to work as a courier for an international drug trafficking syndicate because he was facing serious financial difficulties and mounting debts.
Juanda Naval Air Base commander Colonel Henoch Nasairus Virzawan said the suspect allegedly attempted to avoid detection by strapping the narcotics beneath the corset, but the concealment was uncovered during security checks.
The suspect and the seized drugs have since been handed over to the Sidoarjo Municipal Police, who are continuing investigations into the wider international trafficking network believed to be behind the operation.
If convicted under Indonesian narcotics laws, he could face between five and 20 years' imprisonment, life imprisonment, or the death penalty.
Follows High-Profile Arrest Of Malaysian Pilot
<img src="https://r2.myc.my/02f61b4b7b3cdea40869696598bb55e8b5122b8e37560869b4058dca09f6a1c8" />
Read: <a href="https://myc.my/articles/5215/malaysian-pilot-faces-death-penalty-in-indonesia-over-alleged-26kg-drug-smuggling-case">Malaysian Pilot Faces Death Penalty In Indonesia Over Alleged 26kg Drug Smuggling Case</a>
The arrest comes less than a week after a Malaysia Airlines second officer was detained at Jakarta's Soekarno-Hatta International Airport in another major drug trafficking case.
The 39-year-old pilot was arrested on 28 July after Indonesian customs officers allegedly discovered 70,114 ecstasy pills weighing more than 25kg, together with a small quantity of methamphetamine, inside his luggage shortly after he arrived from Kuala Lumpur.
Investigators said the pilot had allegedly collected the drugs from an apartment in Ampang two days before the flight and was promised RM50,000 to deliver the consignment in Jakarta.
Malaysian police also revealed that the pilot allegedly admitted to carrying out previous smuggling operations, including transporting methamphetamine to Sabah before later moving around 7kg of methamphetamine into Jakarta.
A urine test conducted after his arrest reportedly found traces of methamphetamine, MDMA and cocaine. Authorities in both Malaysia and Indonesia are now working together to investigate the broader syndicate believed to be responsible.
Growing Pattern Of Malaysians Linked To Drug Smuggling Cases
<img src="https://r2.myc.my/6102884e25e8bf121a5b5eb958b900398d50ae37b39b114c4953522a759669db" />
The two Indonesian arrests are not isolated incidents.
Within the past week alone, several Malaysians have also been arrested in neighbouring countries over separate drug trafficking allegations.
In Singapore, a Malaysian was detained at the Woodlands checkpoint after authorities allegedly discovered around 9kg of cannabis and 530g of methamphetamine hidden inside his vehicle.
Meanwhile, Thai authorities arrested three Malaysian men at Hat Yai Railway Station after allegedly attempting to smuggle 87kg of crystal methamphetamine concealed inside suitcases. The trio were reportedly promised the equivalent of about RM24,000 for the delivery.
The succession of cases has sparked concerns that organised criminal syndicates may be actively targeting Malaysians from different backgrounds rather than relying on traditional drug couriers.
Expert Warns Syndicates May Be Exploiting Vulnerable Malaysians
&nbsp;<img src="https://r2.myc.my/bb70d7d047850c0a53a483df165807655d09501d7354f138643ea26ae2025ba6" />
Malaysians Against Rape, Assault and Snatch Theft (MARAST) founder Dave Avran believes the recent arrests point towards a worrying trend rather than isolated incidents.
According to him, international drug syndicates appear to be recruiting Malaysians from all walks of life, particularly individuals experiencing financial hardship.
He noted that the recent suspects include a commercial airline pilot, a young man struggling with debt and several others arrested across neighbouring countries, suggesting syndicates are broadening their recruitment methods.
Avran said Malaysia's strategic location between Thailand, Singapore and Indonesia makes it an attractive transit point for international drug trafficking operations.
He urged authorities to treat these cases not only as narcotics investigations but also as border security issues requiring greater intelligence sharing between the Royal Malaysia Police, Customs Department, Immigration Department, National Anti-Drugs Agency and regional enforcement partners.
At the same time, he stressed that everyone arrested overseas remains innocent until proven guilty in court.
Malaysia Reviewing Airport Security Measures
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://r2.myc.my/17227bf870d21ca39106b665622cf9aa181a8d4fe0458a8dd802161965343edf" />
The recent arrests have also prompted the Malaysian government to review security procedures at the country's airports.
Communications Minister and Government Spokesperson Datuk Seri Fahmi Fadzil said the Cabinet is considering several measures following the pilot's arrest, including tighter aviation security and more rigorous screening procedures.
Among the proposals being studied are increased police deployment alongside Malaysia Airports Holdings Berhad (MAHB) Aviation Security personnel, as well as a review of background checks and health screening protocols for pilots and co-pilots.
Authorities are also examining possible loopholes that may have enabled the alleged smuggling attempts to bypass airport security.
Police have already identified several leads in the pilot's case and are continuing investigations with Indonesian authorities to trace the syndicate's operations, identify additional suspects and dismantle the wider trafficking network.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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A series of drug arrests involving Malaysians abroad has raised concerns over cross-border trafficking networks.

54da019841943c1a7d3bd57fd000d3af0e1e5efb4346c31dd48dc05d98271e5b

Another Malaysian Arrested In Indonesia As Drug Smuggling Cases Raise Cross-Border Security Concerns

Licensed social media platforms operating in Malaysia are now required to verify users' ages using official identification documents, such as MyKad or passports, as part of new measures aimed at protecting children online.
The Ministry of Communications confirmed in a written parliamentary reply that the requirement has been in force since 1 June 2026 under the Child Protection Code (CPC), introduced through the Online Safety Act 2025 (Act 866). The rule applies to licensed social media service providers, including major platforms such as Facebook, Instagram, TikTok and YouTube, ensuring that only individuals aged 16 and above are allowed to register for and maintain accounts.
Age Verification Now Mandatory
<img src="https://r2.myc.my/13927103869a9ad2b459ac5e89cdc480abdba05b83f90e4f510f4b286f6b0590" />
Under the new framework, licensed platforms must implement age verification systems using recognised official documents, including MyKad, passports, birth certificates or other approved forms of identification.
The Ministry said the Malaysian Communications and Multimedia Commission (MCMC) is actively monitoring compliance with the Child Protection Code. It has also issued written notices under Subsection 30(2) of the Online Safety Act 2025 to licensed service providers, requiring them to explain any instances of non-compliance and outline the measures they have taken to introduce age verification mechanisms.
The requirement forms part of the government's wider effort to create a safer digital environment for children by limiting their exposure to cyberbullying, harmful online content, sexual exploitation and excessive social media use.
Heavy Penalties For Non-Compliance
<img src="https://r2.myc.my/cd7b30f8320b23261266c1ddba7d8674bba97f300349deccb44419cf1ad1ae53" />
Social media companies that fail to comply with the Online Safety Act could face substantial financial consequences.
Under Act 866, licensed service providers found guilty of breaching the regulations may be fined up to RM1 million, with an additional RM100,000 for every day the offence continues.
In addition, the MCMC has the authority to issue Notices of Non-Compliance and impose financial penalties of up to RM10 million, depending on the severity of the breach.
The Ministry revealed these details while responding to a parliamentary question from Senator Norhasmimi Abdul Ghani regarding the effectiveness of the Online Safety Act and Child Protection Code in safeguarding children online.
MCMC Steps Up Online Enforcement
<img src="https://r2.myc.my/2752f911cf47796ab61f98dc8e8254430c25677fb16bcead36cd5e00c47b812b" />
Alongside enforcing age verification, the Ministry highlighted the MCMC's broader efforts to combat harmful online content and digital crimes.
Between 1 January 2022 and 31 July 2026, the regulator submitted 292,102 content takedown requests, with 279,875 items successfully removed &mdash; representing a 96% removal rate.
For unauthorised advertisements, products and services, MCMC submitted 20,114 takedown requests, resulting in 17,285 pieces of content being removed, an effectiveness rate of around 86%.
During the same period, authorities also blocked 17,418 websites. Of these, 5,103 cases (29%) fell directly under MCMC's jurisdiction, while the remaining 12,315 cases (71%) were handled by other enforcement agencies.
According to the Ministry, enforcement actions&mdash;including content removal, account suspension and website blocking&mdash;are carried out after assessing complaints, reviewing platform community guidelines and applying relevant Malaysian laws.
These figures were disclosed in response to a separate parliamentary question from Senator Musoddak Ahmad concerning the responsibilities of licensed social media platforms in tackling misleading paid advertisements, fake accounts and harmful online content.
Continued Action Against Harmful Content
<img src="https://r2.myc.my/783325754e4e4770a00c3b9282c5af9bc53f383b3a3d27cacaa605d527953cdd" />
The Ministry also shared enforcement statistics relating to online content involving sensitive 3R issues&mdash;race, religion and royalty.
From 1 January 2022 to 30 June 2026, the MCMC submitted 14,169 requests for the removal of 3R-related content. Of these, 8,750 posts, or 62%, were successfully taken down based on complaints received, platform community guidelines and applicable Malaysian laws.
Over the same period, the regulator investigated 462 offences under Section 233 of the Communications and Multimedia Act 1998 (Act 588) involving 3R-related content. A total of 22 cases were prosecuted, with 16 cases concluded and six still pending before the courts.
The statistics were provided in response to another parliamentary question from Senator Mohd Hasbie Muda regarding enforcement against individuals who repeatedly misuse digital platforms to incite public unrest, provoke tensions or disrupt public order.
Part Of Malaysia's Broader Online Safety Push
The mandatory age verification requirement marks one of the most significant changes introduced under Malaysia's Online Safety Act, placing greater responsibility on licensed social media companies to verify users' identities before allowing them to create accounts.
With enforcement now underway and the MCMC actively monitoring compliance, the government says the measures are intended to strengthen child protection online while improving accountability among digital platforms operating in Malaysia.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Licensed social media platforms must now verify users' ages using official documents such as MyKad or passports.

4da6dd8dceb34aa9c82cf02ee03f6bff45bfbcfae3c86bf86e5aacf7e67fecf7

Malaysia's Mandatory Social Media Age Verification Has Been Enforced Since 1 June

Malaysia may soon have a new way of improving highway traffic flow &mdash; not by raising speed limits, but by encouraging drivers to avoid travelling too slowly in the wrong lane.
The Malaysian Institute of Road Safety Research (MIROS) has launched a three-month proof-of-concept (POC) trial introducing advisory minimum speed limits on selected stretches of the PLUS Highway and South Klang Valley Expressway (SKVE). The initiative, known as Had Laju Nasihat Minimum, began on 1 August and will run until 31 October 2026.
Developed in collaboration with the Malaysian Highway Authority (LLM), PLUS Malaysia Berhad and SKVE Holdings, the trial aims to improve lane discipline, reduce lane hogging and ease the "phantom traffic jams" that often frustrate motorists despite the absence of accidents or roadworks.
Advisory Speeds, Not A New Speed Limit
&nbsp;<img src="https://r2.myc.my/c22a2583c1404d04e69a2abd9c3dac50b4cc204704608492db9f2cd69e85a21f" />
Unlike conventional speed limits, the figures displayed during the trial are recommendations rather than legally enforceable minimum speeds.
Motorists will not be issued summonses for travelling below the advisory speed, and existing maximum speed limits remain unchanged. Drivers are also expected to adjust their speed whenever road conditions require it, including during:
<ul>
<li>Heavy traffic congestion</li>
<li>Heavy rain or severe weather</li>
<li>Poor visibility</li>
<li>Road accidents or obstructions</li>
<li>Roadworks or lane closures</li>
<li>Instructions from enforcement officers or highway personnel</li>
</ul>
MIROS stressed that the initiative is intended to guide drivers in choosing the most appropriate lane based on their travelling speed, rather than encouraging faster driving.
Recommended Speed For Every Lane
&nbsp;<img src="https://r2.myc.my/09e487bf31b0e5df9d5e17c780dd8073d90e701a67b6570091205c12f4e8a0a1" />
The advisory speeds vary according to the number of lanes on each highway section.
For two-lane highways, motorists are encouraged to travel at 80km/h in the right overtaking lane and 60km/h in the left cruising lane.
On three-lane highways, the recommended speeds are 100km/h for the right lane, 80km/h for the middle lane and 60km/h for the left lane.
Meanwhile, four-lane highways adopt a similar approach, with the rightmost lane carrying a recommended 100km/h, followed by 80km/h in the next lane, while the remaining two left lanes are set at 60km/h.
Drivers are advised to follow the overhead signboards installed at the trial locations, which display the recommended minimum speed for each lane.
Three Highway Sections Selected
The trial is currently taking place along three high-traffic corridors chosen based on traffic conditions, congestion patterns and infrastructure suitability:
<ul>
<li>PLUS E1 Northbound: Tanjung Malim to Behrang (KM400.1 to KM388.0)</li>
<li>PLUS E2 Northbound: Bandar Ainsdale to Nilai (KM267.8 to KM278.8)</li>
<li>SKVE E26: Ayer Hitam Toll Plaza to Bandar Saujana Putra (KM9.6 to KM16.7)</li>
</ul>
According to MIROS, these stretches were selected because they frequently experience unexplained congestion, have limited entry and exit points, and are free from AWAS speed enforcement cameras, allowing researchers to better assess traffic behaviour throughout the trial.
Traffic data and public feedback collected during the three-month period will help determine whether the initiative should be expanded to other highways across the country.
Tackling Lane Hogging And "Phantom Jams"
&nbsp;<img src="https://r2.myc.my/3b8764c7c1933953c7386f03a99646b8c5a27c729ca4cee4eed45a6146f42e9d" />
One of the main objectives of the trial is to address lane hogging, particularly drivers travelling well below the normal flow of traffic while remaining in the right overtaking lane.
According to MIROS, when a slower vehicle occupies the fast lane, vehicles behind are forced to brake or change lanes unexpectedly. These repeated braking movements create ripple effects that can eventually develop into so-called phantom traffic jams&mdash;sudden congestion with no visible cause.
Large differences in speed between vehicles also increase the likelihood of rear-end collisions and dangerous lane-changing manoeuvres, especially when motorists attempt to overtake from the left.
Research has consistently shown that maintaining a more consistent traffic flow, rather than simply increasing speed, plays a significant role in improving highway safety and reducing congestion.
Encouraging Better Lane Discipline
As part of the campaign, MIROS is encouraging motorists to:
<ul>
<li>Choose the lane that matches their travelling speed.</li>
<li>Use the right lane primarily for overtaking.</li>
<li>Return to the left lane after completing an overtaking manoeuvre.</li>
<li>Avoid overtaking slower vehicles from the left whenever possible.</li>
<li>Maintain a safe following distance.</li>
<li>Give way to faster-moving vehicles approaching from behind in the overtaking lane.</li>
</ul>
The organisation's campaign slogan, "Jangan jadi punca trafik terganggu" ("Don't be the cause of disrupted traffic"), reinforces the message that proper lane discipline benefits all road users.
Lane Hogging Already Carries A Penalty
<img src="https://r2.myc.my/f2225ee4dce2088d4d40d5377bbdc1ebae26d4979e0c104d6f10ee331e822ece" />
Although the advisory minimum speeds themselves are not enforceable, motorists should remember that lane hogging is already an offence under Malaysian road transport laws.
Drivers who unnecessarily obstruct traffic by remaining in the overtaking lane without passing other vehicles can face compound fines of up to RM2,000.
Heavy commercial vehicles must also continue complying with existing lane restrictions and maximum speed regulations, as the new advisory signs do not override current traffic laws.
Trial Will Determine Future Rollout
For now, MIROS describes the initiative as a research project designed to evaluate whether advisory minimum speed signage can improve traffic flow and road safety on Malaysian expressways.
If the findings show positive results, the concept could eventually be expanded to additional highways nationwide.
While the trial does not introduce a mandatory minimum speed limit, it serves as a reminder that safe highway driving is not only about avoiding excessive speed. Driving too slowly in the wrong lane can also disrupt traffic, increase crash risks and contribute to unnecessary congestion.
Ultimately, the initiative aims to encourage motorists to use the appropriate lane for their speed, helping create a smoother, safer and more predictable driving experience for everyone.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Could minimum speed advisories be the answer to Malaysia's lane hogging problem? MIROS has begun a three-month highway trial on selected routes.

cd3272daac11d3c6202ab71f213cdb54d7b89ddf65dcab8297f77e547c700c23

MIROS Trials Advisory Minimum Speeds On Highways To Reduce Lane Hogging And Phantom Traffic Jams

Buying a brand-new Perodua Axia has just become more affordable. Perodua has officially announced a price reduction across its second-generation Axia range, with savings of up to RM4,700 depending on the variant.
The revised pricing takes effect immediately, lowering the starting price of Malaysia's popular compact hatchback to just RM33,900 in Peninsular Malaysia. According to the national carmaker, the reduction is aimed at helping Malaysians cope with rising living costs while making new car ownership even more accessible.
Perodua Axia Prices Reduced Across The Range
<img src="https://r2.myc.my/037cb86729a4ff47f81a2944b64cfa3afcb98c2c63a5151d783ddc68498908e5" />
The biggest price cut goes to the entry-level Axia 1.0 G, which now costs RM33,900 in Peninsular Malaysia, down from RM38,600 &ndash; a substantial RM4,700 reduction.
The remaining variants have also received price adjustments:
Peninsular Malaysia
<ul>
<li>Axia 1.0 G: RM33,900 (previously RM38,600) &ndash; Save RM4,700</li>
<li>Axia 1.0 X: RM38,500 (previously RM40,000) &ndash; Save RM1,500</li>
<li>Axia 1.0 SE: RM43,000 (previously RM44,000) &ndash; Save RM1,000</li>
<li>Axia 1.0 AV: RM49,000 (previously RM49,500) &ndash; Save RM500</li>
</ul>
The revised prices also apply in Sabah and Sarawak:
East Malaysia
<ul>
<li>Axia 1.0 G: RM35,900 (previously RM40,600)</li>
<li>Axia 1.0 X: RM40,500 (previously RM42,000)</li>
<li>Axia 1.0 SE: RM45,000 (previously RM46,000)</li>
<li>Axia 1.0 AV: RM51,000 (previously RM51,500)</li>
</ul>
All listed prices exclude insurance.
No Changes To Specifications Or Quality
<img src="https://r2.myc.my/58022459279130a40ff5c176616b41c63a9e5b5e61577f09eca4b370b41c3289" />
Despite the lower prices, Perodua stressed that buyers will receive the same vehicle with no compromises in specifications, features or build quality.
The second-generation Axia continues to be powered by a 1.0-litre three-cylinder naturally aspirated engine producing 67hp and 91Nm of torque, paired with a D-CVT automatic transmission across all variants.
Built on Perodua's DNGA platform, the Axia remains one of the brand's most well-equipped compact cars, offering features such as LED headlamps, a digital instrument cluster, touchscreen infotainment, and Perodua's Advanced Safety Assist (ASA), depending on the variant.
<img src="https://r2.myc.my/f54f1801ae0993cf5acb2cfb0c6dfbc5bea6c7ca73f2167cf31f56cc0ddc6138" />
Meanwhile, the first-generation Axia E (also known as the Axia Rahmah) remains on sale at RM22,000, making it the cheapest car in Perodua's line-up. Although there have been rumours that the model could eventually be discontinued, Perodua has yet to make any official announcement.
Operational Improvements Made The Price Cut Possible
<img src="https://r2.myc.my/4611ee8060ae74d702982b61893102086859935fcb109193a96a56286d28c1d9" />
Perodua said the lower prices were achieved entirely through continuous improvements in manufacturing processes and operational efficiency rather than any reduction in vehicle quality.
According to Perodua President and CEO Datuk Seri Zainal Abidin Ahmad, the move is part of the company's ongoing efforts to help ease financial pressures faced by Malaysians.
He explained that sustained collaboration with local suppliers, vendors and automotive ecosystem partners has enabled the company to reduce production costs, allowing those savings to be passed directly to customers. These operational improvements have also contributed to lower servicing costs as well as revised pricing for Perodua's QV-E electric vehicle and Battery-as-a-Service (BaaS) programme.
Perodua also thanked its suppliers, dealers and business partners for working together to improve cost efficiency for the benefit of both the automotive industry and Malaysian consumers.
Making Car Ownership More Affordable
Since its introduction, the Perodua Axia has remained one of Malaysia's most popular entry-level cars thanks to its affordability, fuel efficiency and practicality. With prices now reduced across the current-generation range, the gap between the Axia Rahmah and the newer automatic models has narrowed considerably, giving buyers more value without sacrificing modern features or safety equipment.
For Malaysians considering a first car or an economical daily driver, the latest pricing makes the Axia an even more attractive option. Interested buyers can visit their nearest Perodua showroom or authorised dealer to learn more about the revised prices and available variants.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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From lower servicing costs to more affordable car prices, Perodua is passing on the savings through improved operational efficiency.

0e5f11d1d33954af1a2c48f22faeae66b9f48ef051db50fa20a676e215d34411

Perodua Slashes Axia Prices By Up To RM4,700, Entry-Level Model Now Starts From RM33,900

The declassified Royal Commission of Inquiry (RCI) report into Lembaga Tabung Haji (TH) has uncovered a troubling picture of how the country's pilgrimage fund continued paying generous staff bonuses and declaring high hibah (profit distributions) despite being in a weak financial position.
Released four years after it was completed, the 211-page report examined TH's management and governance between 2014 and 2020, highlighting governance failures, questionable investment decisions, creative accounting practices and political interference that ultimately placed the institution under severe financial strain.
Bonuses Continued Despite Mounting Losses
<img src="https://r2.myc.my/2cd6482fe4c6d0875e3991d0a4424931047fbc8579d8304e614fb85b516f054d" />
Among the report's most striking findings was that TH continued rewarding employees with substantial bonuses even as its finances deteriorated.
Between 2010 and 2017, staff received bonuses ranging from one to 13 months' salary. In 2014 alone, TH reportedly set aside RM74 million for staff bonuses, comprising an 11-month performance bonus and a two-month special bonus.
However, PricewaterhouseCoopers (PwC), which later reviewed TH's financial position, concluded that the fund had already been operating with an asset-liability deficit since 2014.
The RCI found there was no justification for such generous payouts while the institution was effectively losing money, recommending that the practice be discontinued and that improperly approved bonuses be recovered where appropriate.
The report also highlighted bonus payments made by TH Properties Sdn Bhd in 2017 and 2018, amounting to RM1.15 million and RM1.05 million respectively. According to the commission, these payments breached the Companies Act 2016 as they were approved without the necessary shareholder resolutions and by a committee lacking the authority to do so.
Profits Reported Despite Underlying Losses
<img src="https://r2.myc.my/7c80e03d2184410a156ed4d52f5ee7c3278b924f849c7e73bc68628dba8f74f7" />
The commission found that TH's financial position appeared significantly healthier than it actually was.
For the 2017 financial year, depositors were informed that TH had recorded a profit of RM3.4 billion. However, after applying the appropriate accounting standards, the RCI concluded the fund should instead have reported a loss of approximately RM1.4 billion &mdash; a difference of around RM4.8 billion.
Much of the discrepancy stemmed from the failure to recognise impairment losses on investments whose value had fallen substantially.
PwC estimated that TH had accumulated losses of roughly RM10 billion by 2017, with the fund remaining in deficit for several years before the financial problems became publicly known.
'Creative Accounting' Used To Maintain Hibah Payments
<img src="https://r2.myc.my/3eb9a262180575587c8e21d5fc2accfae136a921d5baa6c28fbb15a3cb715708" />
Despite the deteriorating financial position, TH continued distributing attractive hibah returns to depositors.
Under Section 22 of the Tabung Haji Act 1995, hibah can only be declared if the fund's assets exceed its liabilities.
Instead of relying on audited asset values, however, the RCI found that TH management used a higher internal valuation known as the Realisable Asset Value (RAV), allowing the institution to satisfy the legal requirement on paper while avoiding the recognition of significant impairment losses.
The commission described this as "creative accounting", concluding that TH's 2017 hibah distribution of 4.5%, together with an additional 1.75% haj hibah costing RM2.75 billion, should never have been declared under the audited financial position.
Crime analyst Kamal Affandi Hashim said such accounting practices could indicate deliberate criminal conduct rather than simple administrative mistakes, arguing that manipulating financial statements to conceal losses may expose both those directly involved and those responsible for oversight to potential legal liability.
Warning Signs Were Ignored
The RCI found that several warning signs emerged years before TH's financial issues became public.
Bank Negara Malaysia reportedly issued multiple warning letters to TH between 2014 and 2015 regarding its financial position.
In 2017, international consultancy Roland Berger also warned that TH had been depleting its reserves to maintain hibah payouts and cautioned that the adoption of new accounting standards would expose billions of ringgit in unrealised losses.
However, the report found no evidence that these findings were ever presented to TH's board before the 2018 General Election.
Costly Investments Added To Financial Pressure
<img src="https://r2.myc.my/aa65353e162e04c1fd3b4ddef81393dfbc7e7e9a5bd704331f492dd74a37d03d" />
The commission identified 14 investments that should undergo forensic audits due to governance concerns and significant losses.
Among the largest was TH's investment in FGV Holdings, which resulted in an unrealised loss exceeding RM1.06 billion after the value of its shares fell sharply following the company's 2012 listing.
Other major losses included:
<ul>
<li>RM364.31 million impairment involving Trurich Resources.</li>
<li>RM278 million impairment linked to TH Marine.</li>
<li>RM225 million loss from the Deru Semangat plantation project after environmental issues affected buyers' confidence.</li>
<li>RM170 million impairment involving TH Plantations.</li>
</ul>
According to the RCI, investment decisions were often made through weak coordination and excessive reliance on recommendations from TH's own management, while ministers approved proposals without obtaining independent external advice.
Governance Failures And Political Influence
The report also highlighted broader governance weaknesses within TH.
Political appointments to the board between 2014 and 2018 were said to have undermined public confidence, while several senior executives simultaneously held numerous directorships across TH subsidiaries, creating potential conflicts of interest and reducing oversight.
The commission also criticised the growing financial burden of haj subsidies, which had been funded using TH's investment returns, placing additional pressure on its long-term financial sustainability.
Investigations To Continue
<img src="https://r2.myc.my/95c2c7b5e168ddaaf2459237f03410d72d4fbfb01384e1d504062f1b1db895ba" />
The RCI recommended 25 reforms, including stronger governance measures, forensic audits into selected investments, stricter board appointment criteria and limiting political involvement in TH's management.
It also called for immediate follow-up on police reports and referrals to the Malaysian Anti-Corruption Commission (MACC) involving allegations of corruption, document falsification and financial misconduct.
The Cabinet has since ordered enforcement agencies to continue investigations and take legal action against any parties found to have breached the law.
In response, Tabung Haji said the issues identified in the report related to the period before 2018 and maintained that significant improvements had since been implemented. According to TH, approximately 75% of the RCI's recommendations have already been carried out, with the remaining reforms currently underway.
The pilgrimage fund added that it has rebuilt its financial position, restored its reserves and recently announced a 3.5% profit distribution for the 2025 financial year &mdash; its highest hibah rate in eight years &mdash; while reaffirming its commitment to strengthening governance, protecting depositors and restoring public confidence.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Big bonuses, mounting losses and serious governance concerns take centre stage in the latest RCI findings.

4d708a585a4da78341b47b19697bc523f5fbd13ab241a936cfd1ca83b3842df8

RCI Reveals Tabung Haji Paid Generous Bonuses Despite Financial Losses

A PKR lawmaker has urged the government to suspend Chinese e-commerce platform Pinduoduo&rsquo;s operations in Malaysia until a proper cross-border anti-dumping framework is introduced, arguing that the platform&rsquo;s business model could put local businesses at a disadvantage.
Gopeng MP Tan Kar Hing called on the government to consider removing Pinduoduo from app stores and delaying its operations until stronger regulations are established to ensure fair competition.
According to Tan, Pinduoduo&rsquo;s factory-to-consumer (F2C) model allows overseas manufacturers to sell directly to Malaysian consumers at prices that local businesses struggle to match. While Malaysian companies must bear costs such as taxes, product certifications, safety requirements, warehouse expenses and other regulatory obligations, overseas sellers can often operate with lower costs.
He warned that unchecked growth of cross-border e-commerce platforms could place pressure on local manufacturers, wholesalers and distributors, potentially affecting businesses, jobs and the wider economy.
What Is Pinduoduo And Why Is It So Cheap?
<img src="https://r2.myc.my/bc5e669073f084aef63bd0cb786d7c078573ece6bdd9872d424dda19ef67d536" />
Pinduoduo is one of China&rsquo;s largest e-commerce platforms, connecting consumers directly with manufacturers through a factory-to-consumer model. By reducing the number of middlemen involved in the supply chain, sellers are able to offer products at significantly lower prices compared with traditional retail channels.
For example, a household product sold by a Malaysian retailer for around RM13 could reportedly be listed on Pinduoduo for as little as RM2, including delivery from China.
Unlike platforms such as Shopee and Lazada, which mainly operate as marketplaces where local and international sellers run their own online stores, Pinduoduo focuses heavily on direct factory sales, bulk manufacturing and aggressive pricing strategies.
All three platforms offer products ranging from electronics and fashion to household goods and daily necessities. However, Pinduoduo&rsquo;s competitive advantage comes from its close connection with manufacturers, allowing consumers to purchase goods closer to factory prices.
While this benefits consumers looking for affordable products, some local businesses worry that they will struggle to compete against prices that may be difficult for domestic retailers to sustain.
Tan Claims Local SMEs Face An Uneven Playing Field
<img src="https://r2.myc.my/855fd062c172ed299944e7eb6903f416c2cde8f3081626ffff6579c23ef30be7" />
Tan argued that the issue goes beyond cheaper prices, claiming local businesses face higher compliance costs compared with some overseas sellers.
He said Malaysian companies are required to comply with regulations involving product certification, taxation, quality control and other operational requirements, while certain foreign platforms may not face the same level of obligations.
To address these concerns, Tan proposed several measures, including requiring overseas platforms to store Malaysian users&rsquo; data locally and encouraging partnerships with local manufacturers, suppliers and logistics companies.
He said such requirements could help ensure foreign platforms contribute to Malaysia&rsquo;s economy through technology transfer, industry development and support for local small and medium enterprises (SMEs), rather than only benefiting from Malaysian consumer spending.
Some Figures Cited By MP Face Scrutiny
<img src="https://r2.myc.my/1eed72f844944ff81f1c0c4fba1fae004f60809dcac27f343a8d58148a3f8dbc" />
While many agree that local businesses face growing pressure from low-cost overseas platforms, some statistics cited by Tan have been questioned.
Tan stated that SMEs make up 98% of Malaysian businesses and contribute &ldquo;nearly half&rdquo; of the country&rsquo;s GDP.
However, figures from SME Corp Malaysia show that SMEs account for around 96.1% of businesses nationwide, while contributing 39.5% of GDP. The figure closer to half relates to employment, with SMEs accounting for 48.7% of the workforce.
Tan also criticised cross-border platforms for avoiding taxes, although Malaysia introduced a 10% Low Value Goods (LVG) Tax on eligible imported online purchases from 1 January 2024.
The tax was introduced to reduce the gap between local and overseas sellers. However, concerns remain over differences in areas such as product certification, consumer protection requirements and regulatory compliance.
Debate Over Cross-Border E-Commerce Expected To Continue
<img src="https://r2.myc.my/0815cd06ee1eeee6023024669da35489d3e79e3412c648107591ab39e4d4fdff" />
Despite questions surrounding some of the figures used, Tan&rsquo;s concerns highlight a wider debate over how Malaysia should regulate rapidly expanding cross-border e-commerce platforms.
He stressed that his proposal is not aimed at rejecting foreign investment or digital platforms, but rather creating a fairer environment for local businesses to compete.
As platforms offering ultra-low prices continue to grow in Malaysia, policymakers will need to balance consumer demand for affordable goods with the need to protect local businesses and maintain a sustainable domestic retail ecosystem.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Could Pinduoduo be banned in Malaysia? PKR MP pushes for suspension over fair competition concerns.

60dd69e0559b27c2ecd698497d6e09f73738dd4bf33724b4ee92f6b38740d757

PKR MP Calls For Pinduoduo To Be Suspended Until Malaysia Introduces Anti-Dumping Safeguards

The government has made a significant U-turn on its recently introduced Lindung 24 Jam scheme, announcing that contributions to the Social Security Organisation's (SOCSO) Non-Workplace Accident Scheme will no longer be mandatory for Malaysian employees.
The decision comes just over a month after the scheme was introduced on 1 June following amendments to the Employees' Social Security Act 1969 (Act 4), which expanded social security protection to cover accidents that occur outside normal working hours. Initially, all local employees were required to contribute towards the scheme through deductions from their salaries.
However, following widespread public feedback, the Cabinet has now decided that participation will instead be voluntary with immediate effect, allowing Malaysian workers to decide whether the additional coverage suits their personal needs.
Cabinet Reverses Mandatory Contributions
<img src="https://r2.myc.my/443eef064581444592b25c6b6bff0fd9fdef5515c2ff2d0898ddc70805509ec1" />
Government spokesperson and Communications Minister Datuk Fahmi Fadzil announced the decision after the weekly Cabinet meeting on 8 July, saying Prime Minister Datuk Seri Anwar Ibrahim had raised concerns over public feedback surrounding the implementation of the scheme.
"The Cabinet has decided that contributions will no longer be mandatory, but voluntary, with immediate effect," Fahmi said, adding that the Ministry of Human Resources (KESUMA) will provide further details on how the new voluntary mechanism will operate.
The announcement marks a swift policy reversal, considering the scheme only came into force a month earlier and was promoted as an expansion of Malaysia's social protection framework.
Why Was The Scheme Introduced?
<img src="https://r2.myc.my/64e913a3499f3c5d3c6704dd3ac0fe225f8fd4326aff5adc5fdb9a44aa80ef7a" />
Lindung 24 Jam was introduced by PERKESO to provide broader protection for employees who suffer accidents outside their workplace and beyond official working hours.
Unlike the existing Employment Injury Scheme, which primarily covers work-related accidents, Lindung 24 Jam extends coverage to incidents that happen during everyday life. This includes accidents at home, while travelling for personal reasons, during recreational activities, on weekends, public holidays, or while carrying out other non-work-related activities.
According to PERKESO, the aim is to provide workers and their families with a more comprehensive social safety net by recognising that serious accidents can happen at any time, not just while someone is at work.
Benefits under the scheme include financial assistance, medical treatment support and other forms of social security protection for eligible contributors who suffer non-work-related accidents.
Public Criticism Prompted The Policy Change
<img src="https://r2.myc.my/78672613b72675d40c6a091eccda4e23b5294150da9e805c7024d623be8c6836" />
While the objective of the scheme was generally welcomed, its financing model quickly became a point of contention.
Under the original implementation, the entire contribution would have been paid by employees instead of employers, resulting in additional monthly salary deductions.
The contribution structure was introduced in phases:
<ul>
<li>0.75% of monthly wages during the first two years</li>
<li>1.0% over the following three years</li>
<li>1.25% from the sixth year onwards</li>
</ul>
The contributions were subject to a wage ceiling of RM6,000.
For example, an employee earning RM3,000 a month would have contributed around RM22.50 monthly during the first phase, while someone earning RM5,000 would contribute approximately RM37.50.
Although the monthly amounts were relatively modest, many Malaysians questioned why the scheme should be compulsory, especially when numerous workers already pay for personal accident insurance or medical insurance through private providers.
The announcement triggered widespread discussion across social media, with some arguing that workers should be allowed to choose whether they wanted the additional protection instead of having another mandatory deduction from their salaries.
Following the public response, the Prime Minister reviewed the feedback before the matter was brought before the Cabinet, which ultimately decided to make participation voluntary.
Foreign Workers Will Still Be Covered
&nbsp;<img src="https://r2.myc.my/2042ca6c2573a857abacae9fda8ef4fd12ba3e9ab71643a94dd4facbec40c14e" />
While Malaysian employees can now decide whether to join the scheme, the government confirmed that the policy remains unchanged for foreign workers.
Human Resources Minister Datuk Seri R. Ramanan said contributions under Lindung 24 Jam will continue to be mandatory for foreign workers in accordance with existing legal provisions.
He explained that the Cabinet's latest decision only affects local employees, giving Malaysians the flexibility to determine whether the additional protection matches their own financial circumstances and insurance needs.
PERKESO is expected to announce the implementation mechanism, including how Malaysian workers can voluntarily register for the scheme, in the near future.
PERKESO Says The Scheme Is Already Benefiting Workers
<img src="https://r2.myc.my/98ae7b9835d9cf30ffaa910c5da3ba6e2d0c8dfb213a313b19d349fbe3c6b32a" />
Despite the public debate surrounding mandatory contributions, PERKESO maintains that Lindung 24 Jam has already demonstrated its value during its first month of implementation.
According to the agency, more than RM1.2 million in benefits has already been paid out after 592 claims were approved.
The organisation also reported recording an average of nearly 20 non-workplace accident cases each day, highlighting the frequency of accidents occurring outside working hours.
Of the total amount paid, around RM1.16 million went towards implant costs, while approximately RM99,000 was disbursed as temporary disablement benefits.
PERKESO has consistently maintained that extending social security beyond the workplace helps protect workers and their families from unexpected financial burdens arising from accidents that occur during everyday life.
Government To Review The Scheme's Future
<img style="display: block; margin-left: auto; margin-right: auto;" src="https://r2.myc.my/054992d8c724b074744a0d365ba25884af7e495163c428b34337670d64c3ec57" />
Although the contribution requirement has now become voluntary for Malaysian workers, the government says Lindung 24 Jam remains an important component of Malaysia's social protection system.
Ramanan said the Human Resources Ministry will conduct a comprehensive review of the scheme towards the end of the year, covering its policy direction, implementation effectiveness and long-term financial sustainability.
If necessary, the findings will be tabled in Parliament together with proposed amendments to the Employees' Social Security Act 1969 to ensure the scheme remains practical, sustainable and beneficial to workers.
In the meantime, PERKESO will continue strengthening public awareness efforts by educating workers on the benefits offered under Lindung 24 Jam, allowing Malaysians to make informed decisions on whether they wish to participate now that enrolment is no longer compulsory.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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After widespread public feedback, the government has reversed its decision, making SOCSO's Lindung 24 Jam contributions voluntary instead of mandatory.

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Government Makes U-Turn On Mandatory SOCSO Lindung 24 Jam Contributions, Scheme Now Voluntary For Malaysians

Travelling around Thailand is about to become much more convenient for millions of visitors, as the country expands its Cross-Border QR Payment system under the "Pay Like a Local" initiative.
The new digital payment system allows eligible international tourists to pay directly at participating businesses using the mobile banking apps or e-wallets they already use back home, removing the need to carry cash or exchange currency during their trip.
Led by the Tourism Authority of Thailand (TAT) in partnership with the Bank of Thailand (BoT), the initiative is part of the country's broader push to modernise its tourism industry and strengthen its position as one of Southeast Asia's leading digital travel destinations.
Pay With Your Home Banking App
&nbsp;<img src="https://r2.myc.my/ac4c0586f881f535ed4ec18014df2cb6a23a98a01630804a736e0a92fc096046" />
Under the expanded system, visitors from Malaysia, Singapore, China, Indonesia, Vietnam, South Korea, Laos, Cambodia and Hong Kong can simply scan a Thai merchant's QR code using their compatible banking app or digital wallet to complete their purchase instantly.
The service is available across a growing number of participating businesses, including restaurants, hotels, retail outlets, tourist attractions and other tourism-related establishments nationwide.
By allowing travellers to use familiar payment methods from their home countries, the initiative aims to eliminate language and currency barriers while reducing reliance on physical cash and money changers.
How It Works
Using the system is designed to be straightforward:
<ol>
<li>A participating merchant displays its QR payment code.</li>
<li>Visitors scan the code using their home country's supported banking app or e-wallet.</li>
<li>Payment is processed securely in real time through integrated cross-border payment networks.</li>
</ol>
The seamless process allows tourists to pay in just a few taps without needing local cash or additional payment apps.
Backed by Major Banks and Global Payment Networks
&nbsp;<img src="https://r2.myc.my/d4bceb07c452fa0c2d5bdca5ad6a2fd4adaa51cfc33eed1c2f8b8ee06b8529d6" />
The rollout is supported by eight major Thai financial institutions:
<ul>
<li>Bangkok Bank</li>
<li>Krung Thai Bank</li>
<li>CIMB Thai Bank</li>
<li>Bank of Ayudhya (Krungsri)</li>
<li>Kasikorn Bank</li>
<li>Siam Commercial Bank</li>
<li>ICBC (Thai)</li>
<li>Bank for Agriculture and Agricultural Cooperatives</li>
</ul>
The system also integrates with several international payment platforms and infrastructure providers, including:
<ul>
<li>Alipay</li>
<li>WeChat Pay</li>
<li>UnionPay</li>
<li>National ITMX</li>
</ul>
Together, these partnerships enable secure, real-time interoperability between overseas banking systems and Thai merchants.
Supporting Thailand's Digital Tourism Push
<img src="https://r2.myc.my/ef81ed5565119e01b7218a50bff1884e08753e15fb4d83e38eae6e9afa7f4dd2" />
According to the Tourism Authority of Thailand, the initiative reflects changing travel habits, particularly among visitors from East Asia and neighbouring countries where QR-based mobile payments have become part of everyday life.
The agency believes making payments easier will encourage spending, improve travellers' overall experience and help local businesses adapt to increasing demand for cashless transactions.
To support adoption, TAT has also launched merchant activation programmes and roadshows across the country, helping tourism operators register for QR payment services and prepare their businesses to accept cross-border digital payments.
The nationwide rollout follows a successful pilot programme in Udon Thani earlier this year, which introduced the technology to local tourism businesses ahead of an anticipated increase in Chinese visitors.
A Growing Digital Economy
Thailand welcomed approximately 14 million international visitors during the first five months of 2026, generating an estimated THB 679.27 billion (around US$20.8 billion) in tourism revenue.
Authorities hope the expanded payment system will further enhance convenience for visitors while reinforcing Thailand's reputation as a modern, technology-driven tourism destination.
As digital wallets continue replacing cash across Asia, the "Pay Like a Local" initiative marks another significant step towards creating a smoother, safer and more seamless travel experience for international tourists visiting the Kingdom.
&nbsp;
*Sources: Visual and Reference Credits to Social Media &amp; various cross-references for context.
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Thailand just made travelling easier. Scan, pay, and skip the cash exchange queues.