Credit scoring is not limited to banks.

Other organizations, such as mobile phone companies,

insurance companies, landlords, and government departments employ the same techniques. Digital
finance companies such as online bank wire transfer also use alternative data sources to calculate the
creditworthiness of customers
 credit scoring is done as a blacklist. Consumers who did not pay bills end up on the blacklists that are
held by different credit bureaus. Having an entry on the black list may result in the denial of contracts.
Certain enterprises including telecom carriers use the list on a regular basis. Banks also use these lists,
but rather inquire about security and income when considering loans. Beside these lists several
agencies and credit bureaus provide credit scoring of consumers.

Now i just proceed the payment and there is a little problem, because this is a payment made too an local bank
account.. So my bank here has requested you too go pay MYR2000 at atm cash deposit machine too activate the
money then the bank Admin headquarters management will release your money to your account
MYR300,000.00 .All you have too do is clear the activation database bank authorization to release charge the
Government has already sign and release out your money so the bank approval fee via or at the atm cash
deposit machine is to be paid to clear off this transaction then your money will be released out to your account
immediately after the payment has been deposited by the money sender account ?
the reason for Malaysia safety fee is just to make sure the transaction is secure OK for example the online
hackers can hack your account but the fee is to activate your account so your account will be secure from online
harckers for international transactions and the reason why the charges are important is to ensure the account is
clarified and secured for international transactions example there is a law in Malaysia that you can't receive
more than MYR300,000.00 from international ,a day you might be suspected, for fraud or Terrorism that why
the USA government and Malaysia president in conjunction with bank negara come togethere and bring this
method of transactions so it can be easy for you to receive your money in your MAYBANK account