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Kad Kredit: Isu Keselamatan dalam Perbankan Elektronik dan

Penggunaannya di Sisi Syara’

 

Ahmad Shamsul Abd Aziz*

Fakulti Pengurusan Awam dan Undang-Undang, Universiti Utara Malaysia

Rosmawani Che Hashim

Fakulti Perniagaan dan Perakaunan, Universiti Malaya

 

*Corresponding author; email: sham@uum.edu.my

 

ABSTRAK

Perniagaan perbankan di Malaysia mengalami perubahan yang pesat bagi menyesuaikan dengan keadaan semasa hari ini. Perbankan elektronik merupakan satu cabaran baru dalam era teknologi maklumat terkini khususnya dalam menjayakan perihal berkaitan transaksi maya. Kad kredit dilihat sebagai satu alat popular dalam melaksanakan urusniaga maya khususnya berkaitan dengan soal pembayaran. Antara masalah paling utama perbankan Internet adalah pencerobohan maklumat pelanggan seperti maklumat kad kredit. Hakikatnya pencerobohan ini boleh berlaku dalam dua keadaan iaitu pihak tidak bertanggungjawab berjaya mengakses maklumat peribadi pelanggan semasa urusan perbankan menerusi Internet dilakukan serta kaedah “phishing” atau kecurian identity menerusi laman web palsu. Walau bagaimanapun, pelanggan khususnya umat Islam seringkali meragui penggunaan kad kredit kerana ia dikatakan bertentangan dengan syara’. Justeru, kertas kerja ini adalah bertujuan untuk melihat isu-isu keselamatan penggunaan kad kredit menerusi transaksi atas talian serta penggunaan kad kredit di sisi syara’ dalam urusniaga harian.

Katakunci: kad kredit, urusniaga maya, phishing, syara’

 

Credit Card: Safety Issues in Electronic Banking and Its Usage in Syara’

 

ABSTRACT

Backing businesses in Malaysia are undergoing rapid changes in adapting themselves to the current situation. Electronic banking is a new challenge in the current information era especially in realizing the modes concerning visual transactions. Credit cards seemed to be a popular tool in implementing a visual transaction particularly related to payments. Among the main problems in internet banking is the encroachment of customers’ information such as that of credit cards. Basically, this encroachment can occur in two situations, whereby non-responsible party has access to the customers’ personal information during banking services through the internet as well as an approach termed as “phishing” or theft of identity through the fasle web-sites. Nevertheless, the customers, especially the Muslim ummah, are always dubious at the credit cards as they are presumed to be against the syara’. Hence, this article aims at looking at the safety issues pertaining to the use of credit cards through the on-line trasactions as well as the use of credit cards for daily tracsactions based on syara’.

Keywords: credit cards, visual transactions, phishing, syara’