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Monday, 22 June 2026

AI chatbots are not doctors

 PETALING JAYA: More Malaysians are turning to artificial intelligence (AI) chatbots for health information, from checking symptoms and understanding medical reports to learning about medications and traditional ­remedies.

While healthcare professionals welcome the technology as a useful educational tool, they caution that information should not be mistaken for a diagnosis.

Doctors, pharmacists and traditional Chinese medicine (TCM) practitioners say patients are increasingly arriving with information obtained from AI chatbots, prompting concerns that some may delay seeking treatment, self-medicate or misinterpret symptoms without professional guidance.

Malaysian Medical Association president Datuk Dr Thirunavukarasu Rajoo said it has become increasingly common for patients to consult AI chatbots or search online before seeing a doctor. 

“This is not necessarily a bad thing. Patients today are more informed and more engaged in their healthcare.

“The concern is often not that AI gives a completely wrong answer. The concern is that patients may delay seeking medical attention because the advice appears reassuring,” he said in an interview yesterday.

ALSO READ: Chatbots show clear limitations during user scenario

“For some conditions, that may not matter. For others, such as dengue, stroke, heart attack or cancer, that delay can be significant. When it comes to healthcare, timing matters.”

He noted that AI can only work with the information provided by users and lacks the ability to conduct physical examinations or investigations.

“Medicine is more than information. It is examination, investigation, judgment and responsibility. AI can be a useful source of information, but it should not replace a medical consultation. It can point patients in the right direction, but it cannot confirm a diagnosis,” he said.

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Universiti Malaya epidemiology and public health expert Prof Dr Sanjay Rampal said AI has made health information more accessible, but users should be mindful that general-purpose models may also provide inaccurate information.

“The models’ reasoning is based on information available on the Internet. As we know, the Internet contains both good and bad ­information.

“As the models become more intelligent, AI literacy is going to be just as important as health literacy,” he said.

Malaysian Community Pharmacy Guild honorary ­secretary Rachel Gan said pharmacists are increasingly seeing customers consult AI before seeking professional advice.

“Sometimes they show us the AI responses and ask us to verify the information or explain why the chatbot suggested something different,” she said.

Gan said AI could be useful for general health information, but consumers may become unnecessarily anxious if they misinterpret the information provided.

Malaysian Pharmacists Society president Amrahi Buang said pharmacists are particularly concerned when consumers use AI-generated information to make decisions about medicines without professional advice.

He warned that over-the-­counter medicines, supplements and herbal products may ­temporarily relieve symptoms while masking more serious underlying conditions.

“Some symptoms that appear harmless can be signs of more serious diseases that require medical attention,” he said.

Federation of Chinese Physicians and Acupuncturists Associations Malaysia president Prof Dr Ng Po Kok said TCM practitioners are seeing more patients consult AI before seeking advice on herbs and traditional remedies.

“Some enter medical terms from their lab reports and ask AI to explain them before bringing the information to us,” he said.

However, he stressed that AI could not replace professional assessment.

“Two patients may have similar symptoms but require different treatment approaches. This is something AI may not always be able to determine accurately,” he said, adding that AI cannot replace a consultation, physical examination and follow-up.

Wednesday, 17 June 2026

When landlords are held accountable

To rent or not to rent?: A ‘To Let’ sign displayed at a house in SS15 Subang Jaya.


PETALING JAYA: A landlord’s rented property could unknowingly become a base for vice and crime, but legal experts say there are ways for homeowners to escape liability.

Former federal Criminal Investigation Department (CID) assistant director Datuk S. Shanmugamoorthy said owners can only be held liable if authorities can prove they knew about the illegal activities and failed to act.

“If police want to act against the homeowner, there must be evidence that the owner was either directly involved, or was fully aware of the activities and failed to take necessary action to stop or report it,” he said.

Shanmugamoorthy, who is also a lawyer, said proving this could be a challenge for investigators.

“It is not easy to take action against homeowners or to prove they were aware. But there are areas that can be probed. This could include CCTV footage showing the owner visiting the premises, financial trails linking illegal proceeds to the owner’s bank accounts or witness accounts from neighbours,” he said.

He said complicating matters further is the growing trend of sub-letting.

Shanmugamoorthy pointed out that in many cases, the main tenant may not be involved in any wrongdoing but sublets the property to others who carry out illegal activities

“This creates multiple layers of tenancy, which makes it even harder to establish who knew what,” he said.

National House Rental Association (NHRA) president Prakash P. Kalivanan said most landlords rent out their properties in good faith.

“They should not be unfairly penalised for illegal acts of their tenants that were not in their knowledge,” he said.

However, Prakash said landlords should exercise reasonable responsibility and diligence when renting out their properties.

He stressed that having a documented tenancy agreement is one of the most important safeguards and failing to do so could expose owners to greater risk.

“This is why having a tenancy agreement stamped by the Inland Revenue Department is important for homeowners to safeguard themselves. Terms and conditions in the agreement that prohibit illegal activities will show that tenants have been clearly reminded and are bound by them,” he said.

Among the illegal activities the NHRA is aware of are cases involving illegal cryptocurrency mining, prostitution, loansharking activities, storing stolen goods and harbouring illegal immigrants.

To protect themselves, Prakash urged landlords to take precautionary steps including conducting background checks on tenants, carrying out periodic inspections and maintaining proper documentation such as identification records and payment history.

“If homeowners become aware of suspicious or illegal activities, they should immediately report the matter to the authorities,” he said.

Japan at a crossroads; inside unit 731


Unpopular move? Protesters hold placards and lights during a rally against Takaichi’s administration for its military expansion policies in front of the parliament building in Tokyo last month. — Reuters 
 

LAST Octo­ber Sanae Takai­chi became Japan’s first female leader of both the Lib­eral Demo­cratic Party (LDP) and the gov­ern­ment.

The “lib­eral” in the LDP actu­ally means con­ser­vat­ive. Takai­chi her­self belongs to the hard­line rightwing Nip­pon Kaigi fac­tion of the party.

Soon enough, she would come to brush against China. Respond­ing to a ques­tion, she said Japan would take mil­it­ary action if China moved on Taiwan and affected Japan’s interests.

That soured China-japan rela­tions, trig­ger­ing bit­ter WWII memor­ies of a rightwing mil­it­ar­ist Japan invad­ing, occupy­ing and com­mit­ting war crimes in China. Those wounds have yet to heal.

Mod­el­ling her­self after Bri­tain’s brazen first female Prime Min­is­ter Mar­garet Thatcher, Takai­chi was unapo­lo­getic. She fur­ther prod­ded Beijing by seek­ing to revise Japan’s post­war Con­sti­tu­tion to favour mil­it­ar­ism, and work­ing with the US and its allies to con­tain China.

Other coun­tries began to regard Takai­chi’s Japan as poten­tially revi­sion­ist, bent on white­wash­ing its his­tory of war atro­cit­ies and may even repeat them. So is Japan get­ting ready to remil­it­ar­ise?

At issue is Art­icle 9 of the Con­sti­tu­tion on Japan’s mil­it­ary forces, offi­cially the Self-defence Forces (SDF) after Japan’s sur­render in 1945. Takai­chi wants to remove the SDF’S con­sti­tu­tional con­straints to enable an assert­ive mil­it­ary pos­ture abroad.

That is chal­len­ging because it requires two-thirds major­it­ies in both the Lower and Upper Houses of the Diet. While the LDP lacks sup­port from the lat­ter, it is work­ing to boost mil­it­ary power, capa­city and reach in other ways.

For the first time since 1945, Japan par­ti­cip­ated prom­in­ently in this year’s Us-led Balikatan mil­it­ary exer­cises with live-fire drills in the South China Sea. Japan will also be export­ing lethal weapons, man­u­fac­tur­ing to scale and expand­ing mil­it­ary links abroad.

Must this mean Japan is return­ing to its mil­it­ar­ist past of a cen­tury ago? Much depends on the pre­vail­ing regional real­it­ies.

The US is encour­aging other coun­tries to play a big­ger regional defence role. This is as true for Asia as it is for Europe, and applies for both Repub­lican and Demo­cratic admin­is­tra­tions.

A 2012 Us-japan treaty would halve the 19,000 Mar­ines in Okinawa by return­ing them to Guam, Hawaii and the US main­land. Deploy­ments to the Phil­ip­pines tend to be more lim­ited and ad hoc.

In post-wwii East Asia, US mil­it­ary hege­mony is seen to keep the peace by remov­ing the need for Japan’s mil­it­ary build-up. The same applies with Ger­many in Europe.

However, US bipar­tisan policy is retrench­ing long-term regional mil­it­ary post­ings. Mil­it­ary forces will still be deployed for lim­ited mis­sions, such as in Iran or Venezuela, but major post­ings in far-flung regions are another mat­ter.

Regard­less of who is head­ing Japan’s gov­ern­ment, Tokyo will want to look more to itself for its defence role and com­mit­ments.

Unlike Ger­many, Japan is not seen by other coun­tries to have fully atoned for its imper­ial wars and the dev­ast­a­tion they unleashed. An unre­pent­ant rightwing leader now lead­ing an appar­ent mil­it­ary revival only exacer­bates Japan’s trust defi­cits.

Non­ethe­less, mod­ern East Asia’s real­it­ies would inhibit if not pro­hibit any ultra-nation­al­ist Japan­ese leader from return­ing to the coun­try’s imper­i­al­ist past.

Such an out­come will not be accept­able to West­ern powers because Japan­ese nation­al­ism is anti-west­ern. A rampant nation­al­ist Japan will ali­en­ate all other sig­ni­fic­ant powers in a more developed Asia and a more mul­ti­polar world.

Eco­nom­ic­ally, Japan’s best days are over so it has insuf­fi­cient resources to chal­lenge the sov­er­eignty of other global stake­hold­ers includ­ing Asia’s middle powers. Its eco­nomy has slipped below Ger­many’s and India’s to fifth place, and con­tin­ues slid­ing.

Socially and insti­tu­tion­ally, Japan­ese hawks may be in a minor­ity even in Japan. Groups and indi­vidu­als stage protests against per­ceived drifts towards mil­it­ar­ism, in a coun­try where dis­sent­ing voices mat­ter.

Even within the LDP and other main­stream insti­tu­tions, evid­ence of an exclus­ive, mono­lithic bloc favour­ing mil­it­ar­ism is sparse. The gen­eral pub­lic still tends to be averse to rad­ical con­sti­tu­tional changes.

Former Prime Min­is­ter Yukio Hat­oy­ama cri­ti­cised Takai­chi’s petty pop­u­lism, stress­ing that Taiwan’s status is China’s internal affair. Former Deputy Prime Min­is­ter Yohei Kono inves­ted a life­time in build­ing bridges with China.

Another former Prime Min­is­ter, Yasuo Fukuda, accepts rein­ter­pret­a­tion of Art­icle 9 without des­cend­ing into pop­u­list mil­it­ar­ism. In 2017, then Prime Min­is­ter Shinzo Abe declared that Japan was ready to cooper­ate with China in the Belt and Road Ini­ti­at­ive, des­pite Abe being another mem­ber of the LDP’S Nip­pon Kaigi fac­tion.

Pro­fessor Mike Moch­izuki says the way for Japan to work with a way­ward Trump-led US is not to ali­en­ate China, but instead to improve rela­tions with Beijing and deepen Tokyo’s stake in the region. Takai­chi also hap­pens to be reach­ing out to Asean coun­tries like Malay­sia in busi­ness deals, and this should be encour­aged.

Kono passed away last Monday, while fine-tun­ing new plans for cooper­at­ing with China. Whether Takai­chi’s real­ism will even­tu­ally out­live her pop­u­lism remains to be seen.

Bunn Nagara is dir­ector and senior fel­low of the Renais­sance Stra­tegic Research Insti­tute, and hon­or­ary fel­low at the Perak Academy. The views expressed here are solely the writer’s own.


By BUNN NAGARA
Bunn Nagara

Bunn Nagara is dir­ector and senior fel­low of the Renais­sance Stra­tegic Research Insti­tute, and hon­or­ary fel­low at the Perak Academy. The views expressed here are solely the writer’s own.

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Monday, 25 May 2026

Enhance fraud detection, checking banking fraud

 

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Calls for improvements in detecting suspicious banking transactions

The issue has come under renewed focus following a Sessions Court ruling ordering a bank to compensate a customer RM166,000 over suspicious online transactions that went undetected.

As scams evolve, banks are facing heightened urgency to identify unusual transaction patterns and act fast, particularly as fraudsters exploit human behaviour and then move in to breach banking systems.

At a Bank Negara workshop on consumer protection and fair conduct reforms, its officers said existing laws protect the confidentiality of customer information and personal data in the financial sector.

“Financial institutions are robust but there is always room for improvements,” the officers said yesterday.

They said enforcement actions had been taken in instances where breaches were identified, including requiring the institutions involved to implement corrective action plans.

The officers also said Bank Negara continued to monitor banks on consumer protection and compliance matters.

In its latest annual report, the central bank stressed the need to strengthen fraud detection systems and reinforce internal safeguards to combat sophisticated online scams.

The central bank said banks and non-bank financial institutions were required to adopt advanced fraud detection measures and strengthen internal safeguards to quickly intercept suspicious transactions.

It also stressed for a proactive approach to prevent fraudulent transactions from escalating.

The central bank said that in recent years, financial institutions had strengthened various security measures including tighter fraud detection rules and triggers, cooling-off periods for new device registrations and stronger authentication methods.

These measures contributed to a 52% decline in unauthorised fraudulent transactions involving malware and phishing reported in 2024, and prevented over Rm399mil in attempted fraudulent transactions, it said.

However, Bank Negara also acknowledged that fraud patterns were becoming increasingly complex and harder to distinguish from genuine customer activity.

Bank Negara said banks and consumers shared responsibility for safeguarding digital banking security, but reiterated that financial institutions had to determine whether weaknesses in their internal controls contributed to fraud incidents.

It also introduced the Selfcompensation Framework for Fraud Transactions (SEFT) under its Policy Document on Ensuring Fair Treatment for Victims of Unauthorised e-banking Transactions.

SEFT outlines how banks should assess fraud cases and determine compensation based on the responsibilities of both financial institutions and customers.

According to Bank Negara, more than 95% of online fraud cases in Malaysia involved authorised transactions – where victims were manipulated into willingly transferring money to scammers.

Federation of Malaysian Consumers Associations (Fomca) vice-president Datuk Indrani Thuraisingham agreed that banks should adopt more proactive intervention measures when transactions appear inconsistent with a customer’s normal behaviour.

“Banks are clearly not doing enough. Fraudsters now exploit human behaviour more than banking systems,” she said.

“Banks must transition from passive logging to active, pre-emptive intervention.”

https://www.thestar.com.my › nation › 2026/05/22 › sle...

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