Internet banking | Antara Maybank, HSBC & Citibank - HSBC paling SECUREfin

How extensive Internet/online banking usage in our daily life? Me?...memang  pengguna tegar online banking ni..sbb sgt convenient utk transfer duit (cthnya bila beli brg online), utk byr bills etc

me ada 3 jenis internet banking account, so among the 3, me rasa (based on my personal experience), HSBC yg paling secure --meaning that paling sukar dihack/low chances of  account being hacked..

maybank, me rasa hampir semua org ada and guna maybank2u kan--so me tak pyh explain panjang lebar ..ciri2 keselamatan:-- TAC which is sent to our mobile phone.
so me agak puzzled, mcm mana hackers yg curi duit dari akaun tu boleh access to TAC yer? even if they managed to steal password from link palsu, tp how they access TAC?? kiranya maybank2u tak secure lah--the system is easy to hack, so mcm useless plak sistem TAC tu...

HSBC? me rasa tak ramai kot yg guna online banking of HSBC ni..me bukak akaun HSBC sebelum dtg UK sbb kat UK ada byk HSBC, and me boleh withdraw my money in Msian account here--so me tak pyh bwk cash, sbb boleh amik duit cash kat mana2 HSBC ATM kat UK ni--even dlm univ of Nottingham pun ada HSBC!!
internet banking HSBC, tak de sistem TAC mcm maybank, --selain password, setiap customer dpt alat elektronik ni...
ni mine punya--kecik jer devicenya--unik for every online banking customer ni (free jer bank bagi)...

setiap kali nak log on, key in password, and the press alat ni, kuar le angka 6 digit--angka ni berubah2 setiap kali  log in--so even if a/c kena hack (like password stolen), hackers tak leh access alat ni, so tak leh log on to our account.

bila nak transfer duit pun, again, kena tekan alat tu, kuar lagi no2 berbeza utk di key in...so me rasa sukar hackers nak guess sbb few times kena key in no 6 digit based on alat tu..
tp awas, in case alat ni hilang, tak dpt ler nak buat apa2 transaction via hsbc online :p setakat check balance duit bolehlah (limited transaction)..

me guna gak citibank oline, tp sbb me ada credit card a/c ajer, so me tak dpt komen about online savings a/c. for credit card punya, to be able to log on, ada prompt key pad khas --may be hackers susah nak access or curi password sbb ada keypad khas, and then , lps tu, kuar dua security question at random (ada few questions yg kita set siap2 masa mula2 set a/c)...

CIMB? me pernah gak buat online banking a/c, tp dh lama dormant, sbb me tak guna (dh lupa password pun), sbb me rasa CIMB online tak user frenly as compared to maybank2u or HSBC online.

online banking makes our life easier, tp once dh jd mangsa hackers mcm adik me, memang niaya sungguh...all the comments from my yesterday entry ckp takkan dpt balik duit tu once dh dicuri--sedih :(
tp weolls masih berharap akan dpt balik,adik me dh buat report polis and submit to maybank--kalau ikut logik, pihak maybank tau jer duit tu ditransfer ke akaun mana, sbb transfer RM5k tu ke dlm akaun maybank jugak (hackers punya akaun), sbb on the spot transfer kan...kalau interbank, memang ada gap period of half or one day...it's all depend on the bank now...

note : masih, still, and tak nak give up in hoping & praying for miracle...Amiin