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Sunday 26 April 2026 16:24:00 GMT
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< Bank #phishing & #malware #scams - physical tokens, smartphone OS risks, #deepfakes - what is MAS doing next? > 1️⃣ Some #Clementi residents lost their life savings through scams, whether phishing scams or malware scams. ➡️ They didn’t ask to be transitioned to OTP SMS or digital tokens. They didn’t ask to have all their risk concentrated in a single device - their handphone. ➡️ And even today, there are Clementi seniors who have great difficulty obtaining a physical token for banking. 2️⃣ Also, some smartphone OS are more vulnerable to malware — what’s being done to keep smartphone OS vendors awakened to this issue, and doing the responsible thing? 3️⃣ Can MAS adopt a consumer protection lens to this issue? If a reasonable layperson can be tricked into using a consumer appliance, so that injury or property damage occurs, costing their life savings — we know what the consumer protection approach would be. Can MAS learn from this? 4️⃣ For next generation scams such as deepfakes, where even a reasonable layperson would be at significant risk of being tricked — how is responsibility allocated between banks & telcos & customers under the new Shared Responsibility Framework? I had asked a #Parliament #Question to PMO & DPM @Lawrence Wong, Chairman of MAS, which was answered by MOS @Alvin Tan.  My question is below, and you can watch the follow-up questions in the video. Dr Tan Wu Meng: To ask the Prime Minister whether the proposed framework for equitable sharing of losses between scam victims and financial institutions will consider (i) the better protection of some elderly scam victims through the use of physical hardware tokens for 2-Factor Authentication rather than digital tokens and (ii) the number of elderly banking customers who have limited digital literacy and are placed in a potentially invidious position when their bank phased out the use of physical hardware tokens. Video credit: MediaCorp #singaporeparliament #sgparliament #parliamentsg #singaporetiktok #sgtiktok #tiktoksg
< Bank #phishing & #malware #scams - physical tokens, smartphone OS risks, #deepfakes - what is MAS doing next? > 1️⃣ Some #Clementi residents lost their life savings through scams, whether phishing scams or malware scams. ➡️ They didn’t ask to be transitioned to OTP SMS or digital tokens. They didn’t ask to have all their risk concentrated in a single device - their handphone. ➡️ And even today, there are Clementi seniors who have great difficulty obtaining a physical token for banking. 2️⃣ Also, some smartphone OS are more vulnerable to malware — what’s being done to keep smartphone OS vendors awakened to this issue, and doing the responsible thing? 3️⃣ Can MAS adopt a consumer protection lens to this issue? If a reasonable layperson can be tricked into using a consumer appliance, so that injury or property damage occurs, costing their life savings — we know what the consumer protection approach would be. Can MAS learn from this? 4️⃣ For next generation scams such as deepfakes, where even a reasonable layperson would be at significant risk of being tricked — how is responsibility allocated between banks & telcos & customers under the new Shared Responsibility Framework? I had asked a #Parliament #Question to PMO & DPM @Lawrence Wong, Chairman of MAS, which was answered by MOS @Alvin Tan. My question is below, and you can watch the follow-up questions in the video. Dr Tan Wu Meng: To ask the Prime Minister whether the proposed framework for equitable sharing of losses between scam victims and financial institutions will consider (i) the better protection of some elderly scam victims through the use of physical hardware tokens for 2-Factor Authentication rather than digital tokens and (ii) the number of elderly banking customers who have limited digital literacy and are placed in a potentially invidious position when their bank phased out the use of physical hardware tokens. Video credit: MediaCorp #singaporeparliament #sgparliament #parliamentsg #singaporetiktok #sgtiktok #tiktoksg

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