When we do online shopping, there are other issues that we might encounter which are differ from the traditional way of offline shopping. One might encounter with cybercrime activities such as intrusion, spam and malicious code. In Malaysia, financial fraud activities in cyberspace has reached between 40% to 50%, which has cost losses an amount of more than half a billion ringgit in two years. Moreover, RM60 million was lost to scammers in just 3 months shy into 2018. Due to the openness of the internet which could be poisoning to us, there are several measures that should be paid attention to so that we, Malaysian, will not be fallen as victims of cybercrime.
Firstly, we should get as many and detailed information on the security of online shopping, ‘chatting’, e-mail and online scams as possible. The extensive use of technology has allowed us to perform all sorts of online transaction be it trading, paying bills and so forth. However, as a consumer, we should always keep in mind to carry out a thorough research and analyze the product available online prior purchasing it online. Also, it is advisable for consumers to read the disclaimer before filling any forms made online to make legal dealing easier. Plus, consumers are advised to leave the transaction should the disclaimer is unavailable. Consumers also should ensure that the websites they visited are with the original and official URLs and avoid opening links from an email service as this could pose as threat.
The authorities should be stepping in by tightening the legal enforcement so that the it can adapt the present-day challenges as the cybercrimes activities are at an alarming rate. Numerous laws are being introduce such as Computer Crime Act (Act 563), Optical Disc Act 2000, Digital Signature Act (Act 562) and Communications and Multimedia Act 1998, all with the same objective, which is to promote the cyber security culture to the Malaysian society. Furthermore, in 2006, our government has built the Institute of International Multilateral Partnership Against Cyber Threats (IMPACT) due to the global awareness of cyber threat. However, the current cyber law is unable to get rid of cybercrimes as cyber criminals are getting smarter with technological advances. Incident such as money theft through credit card numbers, exploitation of data from database are still remained undefeated by our existing cyber law.
Finally, banks should make sure that all matters prepared are guaranteed to have high security features. One of the examples include the digital certificate obtained from Malaysia Cybersecurity. This certificate enables immediate identification of every website forgery. The existence of this certificate will discourage unethical individuals from pursuing their act in cybercrimes.
Hence, we need to come hand in hand to minimize this ongoing difficult issue. Although it is tough to combat as various modus operandi resurface each time, we as consumers need to be observant on the current issues all the time. Avoid believing matter without proof and sales that are of lacking of its nature and condition. Furthermore, we need to be careful when we stumbled upon offers made by any other parties over the internet. Hopefully, the measures taken could provide us fairer and safer digital marketplaces where consumers are able to harness the full benefits of digitization.
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