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Computing And It In Work environment Information Technology Essay

This documentation has been written and compiled as a representation of our own group assignment that is completes as part of an analysis of the Computer and IT in Work area (CITW) module. Whereby our group has chosen Malayan Banking Berhad (Maybank) as the business which with several three individuals, the three individual topics that we have selected based on the chapters that we have learned to be weighed against Maybank are security, enterprise computing and ethical & legalities. Malayan bank Berhad online bank, Maybank2u. com, is the scenario to be discussed on how the personal computers and it are valuable to it. With this current scenario, in a group, we also able to learn on the functions and process, its advantages and disadvantages and the impact towards the business upon putting into action its online banking system.


Maybank is the greatest bank and financial group in Malaysia and has been leading the bank industry for over three. 5 decades. Malayan Bank Berhad or Maybank was integrated in Malaysia on 31 May 1960 and commenced businesses on 12 Sept 1960. On 17 February 1962, Maybank was detailed on the then Kuala Lumpur STOCK MARKET (now known as Bursa Malaysia). Maybank is today among the list of largest companies by market capitalization on Bursa Malaysia.

Maybank vision is to be a local financial service innovator and their objective is humanizing financial services from the center of ASEAN. Maybank in addition has won many prizes and recognition over the past couple of years. Maybank is the leading provider of financial services, reaching the various needs with their targeted customers through an efficient and involved Group.

Maybank is Malaysia's major financial services group with total property exceeding RM350 billion. The Group has an comprehensive global network of just one 1, 750 office buildings in 14 countries specifically Malaysia, Singapore, Indonesia, Philippines, Brunei Darussalam, Vietnam, Cambodia, China, UK, U. S. A. , Bahrain, Papua New Guinea, Pakistan and Uzbekistan. The first overseas branch is open in Brunei.

Maybank offers a comprehensive range of financial services which range from commercial banking, investment banking, Islamic banking, cards issuance, offshore bank, leasing and seek the services of purchase, insurance, factoring, trustee services, asset management, stock broking, nominee services, capital raising and Internet bank. The online banking such as Maybank2U brings a great deal of benefits of their customers. Today, the Maybank Group has over 40, 000 employees who serve over 18 million customers worldwide, with 9. 5 million customers in Malaysia by themselves.

Maybank has been consistently placed among Malaysia's most valuable brands. Additionally it is positioned first among Malaysian banking institutions by Brand Fund in its Global 500 study and 134th among the most notable 1, 000 banks on earth by The Banker Magazine.

Maybank (Online Bank Maybank2U)

A current circumstance Maybank2U Online Banking

Our group has chosen a present-day situation which is online banking via internet through maybank2u. com. my website. Technology have improve become better as they help the human to do thing easier, versatile and fast without bodily appear in the area. Maybank have come up with these online banking services

Now day's whole lot of people choose to do their expenses payment transaction money online bank via online by simply click on the website utilizing their suggestions device such as mouse and keyboards which is simpler and easier somewhat than go directly to the loan company queue up in the counter-top to do billings or exchange.

Besides that, most people also own a laptop or smartphone that they can hook up internet easily since almost all of the restaurant or place have WIF interconnection. It is easier, faster and save additional time by doing it via Maybank2u. com rather than physically looks in the lender itself. Maybank2U online bank helps lots of people as it is user friendly and many bank services provided in it.

Function of online banking in Maybank2u (M2U)

Bills and Statement

Customers can pay, view, save and printing their bills, charge card and bank declaration via online in their M2U profile. Besides that, they can can also view, save and printing their advices and notices via online alternatively than receive printed copies. It creates customer easy to control their bills, bank or investment company declaration and advice online with no charges.

Life and Leisure

It helps their customers to get enjoy lovely music by downloading n certain Maybank support website, order a common food such just as Pizza Hut, buy tickets such as movie seat tickets via this Maybank2u. com website.

Maybank2u. com Merchant Programme

It is a program that let us all the merchants sell their product and accumulate payment off their customers via online M2U or in the merchant's website which Maybank have backed. They can pay their charges online by debating their Maybank cost savings or by using Maybank credit card.

Online bank for business customers

Business customers are certain to get some additional services such as cheque service using M2U. They can view stop cheque, cheque status, and request for cheque e book via online. They are able to also view their bill summary and deals history. They are able to transfer their funds in own accounts, documented third party, signed up interbank GIRO, enquire, cancel future copy and also pay over 500 bills and make future payments.

Transfer funds

Transfer finance between two accounts can be done in Maybank online bank. For specific ventures, Orders Authorized Code (TAC) it must be necessary because it provides extra cover of security to safeguard you against unauthorized usage of your bank account. For TAC we can request 24 hours a day and 7 days a week at maybank2u. com. my or by phone.

Advantages of Using Online Banking via Maybank2U. com (M2U)


We can pay, view, save and printing our bills, credit-based card and bank declaration, guidelines and notices via online inside our M2U profile anytime and everywhere with today's of web connection and electronic device that can connect internet such as smart phone and notebook. It is fast and more convenient ways to settle our bills rather then we surely got to bank.

View accounts summary

We can check and view your balance is the maybank2u. com (M2U). We are able to daily check our bill overview by selecting our accounts at Bill and banking web page in M2U. It does make us much easier to view our profile anytime.


Paperless are utilization in online bank. Paperless banking is environmentally friendly, and the support of go green. Users can save almost all their information, bills statement or others in their hardware or save in their e-mail. They did not need to throw away cash to buy files to keep all their record and then need of space to keep those files. It will also be difficult if we wished to find some bill it takes more time also.


There are no charges or any charge for this M2U online statement service or use the M2U online bank services.

Disadvantages of Using Online Banking via maybank2u. com (M2U)

Start-up might take time

In order to join up for your bank's online program, you will probably have to provide ID and sign a form at a loan provider branch. If you and your spouse wish to view and take care of your assets collectively online, one of you might have to sign a durable ability of attorney prior to the bank will display all your holdings together

Privacy and Security Issue

Even though, M2U website are well secured their customer or user information or privacy you may still find information being steal or hack by the hacker or computer robbery. It is not very secure since the information is moving through the network. The clients or end user of M2U will have the likelihood of losing their personal privacy.


Phishing activities by irresponsible may occur which the hacker will send e-mail ask to enter in your information and they easily hack into your bill. Many customer of M2U or end user will be cheat easily because they'll thought that the phishing website will be the real website. It isn't easy for some users of M2U to detect that it's phishing website or the real website since might not know more about security in a web site.

Complicated when data being hack

When someone account are being hack the individual have to put up a great deal of elimination such as make to become safe such as making authorities article, call to the bank to avoid the account while others. It wastes a lot of time if any bad occurrence had happened.

Technical breakdowns

Sometimes M2U website will be down anticipated for some maintenance users have to wait for the web site to on back as usually. It might takes a very long time from them to recovery back their website if any major issues happen such as then server problem yet others. If end user in crisis to transfer money or doing some payment via online M2U during website decrease, user still have to go to the branch to do it since waiting for the web site recover might takes a long time.

Impact of the Technology

Since the start of Malayan Bank Berhad Internet Bank (Maybank2u. com), it has impact the organization typically in good factors. Maybank2u. com (M2U) has an active customer with a year-on-year progress which remains as the first choice in internet bank. Many customers detects attractive with the product because of its ability to pay for any online acquisitions, payment of monthly utility bills, electric billing and online assertions. With these functions, the customer can easily made the repayment from their home with spending their time on queuing and going just to settle the repayment for that one time. By providing this functions, the lender has taken the step to be as a realtor where the payment from the client for the charges to be paid.

Another impact to the organization is by reaching more than RM6 million for non-audited cost saving by eliminating the needs of printing and mailing bill affirmation for customer. Recently M2U user is only going to have to type in their account to allow them to enter the secure site, but for security purposes, M2U has extend its security by causing an individual to choose any pictures from the listing and build a phrase for the picture decided on. Upon login, user only required to type in their username, if consumer discovered that the picture and key phrase shown is not as per individual selection, it's advocated never to continue but if everything is matched, end user is safe to continue.

The features, design composition and content must be kept up to date from time to time. It must be self-explanatory and user friendly so that it is a peace of mind for the user when they utilize this product.

Individual Topic

Ethical and Legal Issues

This refers to the rules and standards that needs to be followed and standardize to everyone. Malayan Banking Berhad (Maybank) has their own moral and legal issues. When compare to the slides, all the sub-topic is utilized but they already have other that not cover in the slides like the ethical and legalities for banking establishments.

Unauthorized Access & Use

Maybank, as a custodian of open public money, has a responsibility to guard its integrity and trustworthiness. It is with this understanding that the business sets out clearly the code of ethics and do for its staff. The code stipulates the reasonable rules that will guide all Maybank personnel in discharging their responsibilities. It pieces out the requirements of good bank practice.

Malayan Banking Berhad (Maybank) having many branches mainly within the Asian countries. With all the banking system connects to a specific server, each staff is holding their own unique identification and password. This will permit the staff to make use of any company pcs in virtually any branches. The banking software that the personnel should be using will be enabled by the IT Office people. By this, not all staff has the access to all the banking software or system throughout the lender.

Every computer in the business is supervised. The group whom in-charge in monitoring the use of the organization computer will be able to see who will be the particular users that login to the system and the positioning of an individual. For any strange event through the monitoring, it'll be triggered and person who at that time was monitoring will be aware of the situation. That is one of the protections from the hackers.

Other than access control and monitoring, each members of personnel login in to the corporation network will be audited. Some higher workers are allowed to access the organization's network from outside the organization's area.

Hardware Theft & Vandalism

It is the take action of stealing or defecting any computer equipment. Every personnel in the business are in-charge of looking after the business's property especially that was presented with to them to execute their task. All equipment's belong to Maybank has its own tagging quantity which in a position to track of the items and equipment.

Software Theft

It is the action of stealing software or illegally duplicating of software for circulation. In this group, all the program are officially purchased in support of be allow to the user upon request or instruction given to the IT Division. The software own by the organization is stored only by this office. Any duplication made, can only be produced by the employees under this team.

Any software that are installed to any Maybank's computer will hold the license agreement that the user need to agree during installation without the other safeguard due to the product activation was done previously by the IT employees. For normal software, the organization will purchased for multiple user and perhaps, the organizations will have to get only for solitary user. This will likely depends on the number of end user whom will be using the program. A lot of the software license is only valid for one year maximum this is to ensure that any unlawful copy made will only valid for just one year.

Information Theft

To guard against the info theft is by encryption. Encryption is the process of changing readable to unreadable.

Maybank prevent from information robbery not only by encryption but by having a password to decrypt the info. This security password is between the one who encrypt it and the person who'll decrypt it.

IT Code of Conduct

It is the written guide that really helps to determine whether computer action is moral. People might think that this code of carry out will only give and apply by the individuals who are working under IT Team. In Malayan Bank Berhad (Maybank), this code of do is included in their organization's code of carry out. Which means that you won't only connect with folks who are working under IT Division.

Information Privacy

In any banking business, it is difficult to control especially the customer information privacy. Not only due to the leak of information by the staff but it addittionally due to information is stored online.

Maybank only required their employees and customer to complete their particulars in the varieties provided which are essential. That is to ensure that their necessary data is only for the utilization of within the organization.

The computer that connects to the organization's network will automatically clear the history of cache and cookies upon either shutting down or logout from the computer. A lot of the machine in the business are blocked from other website and forward email, you may still find some unwanted email that could be unblock scheduled to inner issues. Within the organization's code of conduct also speak about that the staff is restricted to see other website that not related to their task given. Although there are sites that are not blocked, there it's still a monitoring from other department on the site that the staff visit.

The organization's also prepared their machine with auto spam program that will delete the majority of the spam that detected by this program.

Content Filtering

This is a process of restricting access to certain material. This system has been talk about in the above topic that this organization is deploying it. This is to block the websites which are posted to be blocked. It will be based on the web Content Rating Relationship (ICRA). Another software that was used is to set what the user can only browse to. Some customer in the organizations only allowed browsing through their intranet sites. Other end user can flick through the internet but either with or without limitation is depends upon their positions level and task.

Security Issues

Computer security is a coverage of information and property from robbery, natural disaster or problem, while allowing the info or property to stay accessible to all the users. Security issues will be the ways how the information is protected or being hacked.

Similarity of the security issues in Maybank

The similarities of security issue in the security slide with Maybank such as the security method use will be the same.

Secure Sockets Tiers (SSL)

Malayan Bank Berhad (Maybank) has used the Secure Sockets Layers (SSL) in every their websites which same as in the security glide component. SSL is websites you start with "https" reveal secure contacts in the website. We can see the Maybank website commences with "https" when their individual uses the Maybank website to login. They use SSL to ensure data integrity and data confidentiality. All the data that passes between consumer and Internet server will be encrypted by using 128 pieces SSL process from VeriSign Certificate Expert. SSL is a secure way of transferring information or data between two personal computers through the web using encryption methods which it'll encrypted all the data and the info become human being unreadable or can't understand the info and information. The encryption method that Maybank use is end to get rid of encryption which is followed within the bank's computer systems and resources.

Digital Certificate

Malayan Bank Berhad (Maybank) has Digital Certificate in all their websites which identical to in the security glide component. Maybank website and its other website such as Maybank2u. com each is WebTrust authorized. WebTrust is one of the Certificate Authority (CA) program. It is an independent firm that monitors and exams all the facilities to make sure that Maybank maintain the highest and most current criteria in Internet information security and exchange. This shows that Maybank conformity with leading international security standards and the determination to retaining a secure environment in every Maybank websites where the confidentiality, authentication, integrity, and nonrepudiation are vitally important.


Malayan Bank Berhad (Maybank) has used Firewall System in every their computers which identical to in the security slide module. Firewall system is utilized in every Mayabank websites for system security and monitor the options for internet surfers to do their purchase in Maybank website. Besides that, it is to discover, prevent and protect the systems from unauthorized gain access to while permitting genuine communications to pass on Maybank network systems. Maybank also recommend their end user to have a firewall installed in their computer. This is because of basic safety in terms of their personal information such as their security password from being hack by other people or by hacker.


Malayan Bank Berhad (Maybank) has used Antivirus Program in every their computers which identical to in the security glide module. Antivirus is software which used to identify takes out and drive back malware or harmful strike such as computer infections, worms, Trojan equine, adware, and spyware and adware. Additionally it is used to lessen the risk of damage information, repair expense, cost and time used. Maybank recommended its customer to acquire automatic upgrades your virus safeguard. Besides that, they also recommended never to open any connection from unidentified people via e-mail. Maybank has also used antivirus program in its entire company computer.

Disaster Restoration Plan

Malayan Bank Berhad (Maybank) has applied Disaster Recovery Plan in its company which identical to in the security glide module. Disaster Recovery Plan is the emergency plan to be used right after devastation occurs at the particular place. Along, Maybank disaster recovery plan takes a long time to recuperate and they have found some alternative solution in order to recovery the info faster when natural disaster occurs.

Differences of the security issues in Maybank

The difference of security concern in the security glide with Maybank like the security method use is the different to protect their house.

Results-Driven Computing (RDC) framework

Malayan Banking Berhad (Maybank) has applied Results-Driven Processing (RDC) construction in its company for backup purpose which not the same as the security glide component. RDC is a data centre which can store a wide array of data in it. Maybank incorporate RDC and devastation recovery plan to get fast delivery of data, better and cheaper processing over the mid-range, grid and mainframe environment. Besides that, Maybank wished to full load it requirement for world class catastrophe recovery. They may have set up an alternative data centre to store the whole fully replicate bank's critical data across the whole program. They ran both method of backup together.

Username and Password

Malayan Banking Berhad (Maybank) has use username and password to login or gain access to the system which not the same as the security slide module. In Maybank website its company has use security password and username in order to avoid unauthorized usage of its company financial services. It really is one of the security issues in Maybank to protect the client information and privateness. Username can maintain alphanumeric and alphabetical where else password must be and alphanumeric. The username must be between 6 to 16 character types and the security password must between 8 to 12 heroes. All the security password and username are circumstance sensitive.

Closed Circuit Tv (CCTV)

Malayan Bank Berhad (Maybank) has use Closed Circuit Tv (CCTV) in all its company and branches which different from the security glide component. CCTV is place in the many places in the building such as in every Maybank counter-top, Asynchronous Transfer Method (ATM) machine, and other areas. It is to protect and detect in the event any crime or bad event happen such as robbing, snatching and more all will be saved as prove by using CCTV. Additionally it is will be securely being monitor if required.

Fire security alarm and Intruder Security alarm Systems

Malayan Banking Berhad (Maybank) has use Fireplace alarm and Intruder Security alarm Systems in all its company and branches which is different from the security slide module. Fire alarm helps Maybank in case there is be caught by fire it will alert all the people for the reason that particular building. Intruder alarm system is help alert people around the particular place if any event happens such as robbing and quickly informs authorities and to warn the client and personnel to beware. It is important to have open fire security alarm and intruder security alarm in an organization.

Enterprise Computing

Enterprise processing is a sizable company such as Maybank that requires special computing solutions because if its size and use of pcs in networks that encompass variety of os's, standard protocol, and network architectures.

Similarities of Business Computing with Maybank.

The below are some similarities of the business computing in the slip that apply in Maybank.


Maybank is well-organized as shown in the hierarchy below that show the similarities of corporations.

Figure Organization Chart of Maybank

Four Management Activities.

The four management activities are the similarities in Maybank. The four management activities are organizing, managing, leading and managing.

Planning is arranging the aims and strategies methods by the professional management such as Tan Sri Dato' Megat Zaharuddin Megat Mohd Nor, Chairman of Maybank.

Next is the organizing that concerns more on the individuals and the management structure by the middle management.

Leading is important in Maybank. This is because communication between customers is important to prevent misunderstood and those leader like the supervisor will have to give proper teaching to their subordinates and stimulate them to keep the best service provided by Maybank to their customers.

Controlling and monitoring have to be done every time to make sure good performance, take way of measuring on any matter and take corrective action to improve the quality and services provided by Maybank.

Functional Unit.

The similarities of Maybank company with the slide note is they have got functional unit. Maybank have divided to several office for example Maybank do have human resources(HR), customers service office to help their customer if there is any enquiry. Maybank also have several centers and divisions as well like the financial services, insurance & takaful, venture transformation global wholesale banking, group Islamic bank corporate and business affairs and communication and also customer feedback management.

Online Banking.

Besides that, online bank is one of the similarities. Maybank provided online banking with their customer. As the craze nowadays almost all of the individuals use technology and internet to do almost all their things via internet, Maybank has provide the online bank services so that their customer need not go to the Maybank to pay their costs. In addition, the clients can also view their bank-account and assertions online without heading to the Maybank or the ATM machine. This can save the client times as they don't need to queue at the counter-top to pay their charge or bank in their money into their account.

Transaction Control System (TPS).

Maybank also do use Transaction Control System (TPS) in their system. This Purchase Processing System catches and processes data from daily ventures. TPS is used in ATM machine, charge card and also in Touch 'n Go. Customers may easily pay their things utilizing their credit card rather than bringing a lot of cash with them which is dangerous.

Customer Romance Management (CRM).

Customer Romantic relationship Management (CRM) manages information about customers, relationships with customers, previous purchases and interest. Maybank uses CRM to draw in more customers to use their standard bank services as it is very important in the financial services industry where competition is intense. At Maybank, CRM is cared for as a center function, reflecting their customer-centric business approach. Maybank have invested in an Analytical Customer Romance Management (aCRM) system to convert the business completely and drive business by leveraging on the strategic use of information about our customers.


Besides that, the similarities is Maybank do provide portal because of their customers. Site is collection of links, content and services offered on Web page. Maybank got Launches Country's First Internet Financial Site in the year of 2000. This service allows customers to execute a bunch of financial services via internet. These include opening of accounts, balance enquiry, cash transfers, cheque status enquiry, stop payment of cheque, expenses payment, online stock investment, insurance request and renewal, online shopping and digital procurement (B2B). Furthermore, Maybank also have eProcurement Portal to obtain goods and services successfully and effectively for both interior and external customers. It is design to permit Maybank and its own suppliers to lessen transaction and managing costs, and to automated timely information exchange.

Data Warehouse.

Data warehouse is a huge database that stores data required to analyse historical and current business deal. In 13 August 2002, Maybank has signal arrangement with Oracle for data warehouse to provide business brains for business needs and to improve high value customer romance and services. With better and quicker access to required information, their staff will be empowered with better decision making in their marriage with the customers.

Web Services.

Web services are also one of the similarities. The conversion to online processing and repayment will revolutionise the business-to-business (B2B) receivable management functions eliminating lots of the issues associated with manual processing of invoices and obligations. With online processing, those who enrol in the program will gain operational efficiency as invoicing and payments are all electronically refined. Online access will can also increase efficiency and financial management for customers. Maybank will continue to assist businesses to convert their B2B functions specifically for receivables and repayments. Maybank will continue to collaborate with this partner American Exhibit to offer ground breaking global B2B commercial solutions to promote cashless transactions particularly to the small-medium corporations (SMEs). With an increase of business adopting cashless payment solutions this will boost the volume of online payments

Virtual Private Network (VPN).

Virtual Private Network (VPN) provides secure connection for user connecting to company network server using internet. Telekom Malaysia (TM) got provided IP VPN services for Maybank to replace their analogue network which provides their off-bank ATM machine. This service allows their customers to employ internet marketing communications in a private and highly anchored environment and upgraded system supply and response time.


The below are some differences of the venture processing in the slide that apply in Maybank.

Enterprise Hardware.

Maybank use Mobius Viewdirect Total Content Management to store their critical information rather than using the enterprise storage medium such as CD-ROM server or DVD-ROM server.


Maybank2U online banking should increase more on the security to avoid other people to hack their customer bank account.

Maybank2u online bank can ask more confirmation of these customer before doing any online banking using the Maybank2U website.

They can enhance their question and answer (Q&A) in their website. They must provide more questions, answer and the answer on how to use their website and how to handle the problem if they experienced some problem when using Maybank website.

They can also show few samples or some training on how to join up as an associate as well as how to use the Maybank website or the services provided in their website. It will attract increasingly more end user or customer to use the online banking system.

They can also make an effort to filtering the phishing website which acts like Maybank website. To save its customer and users from being hack any lost their privacy.


Based from what we have learned and our researched, not all of what we have analyzed is applied immediately in the working world. Along with the technology in the bank industries now, it makes our life easy. In the past, it is impossible if we say that money can be copy from wherever our company is but now with the aid of technology, not only we able to transfer cash but we also able to make a obtain other area or country without us being for the reason that area or country. To make it better for any deal we made, it needs the purchase authorization code which this code is only going to be delivered to user's portable device that authorized with the lender upon code requested before proceed the deal. This show how secure it is when we depend our daily life to the world of technology because of the ease that the technology can offer to us. Nevertheless, with the technology now, it connects everyone cordless and borderless.

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