Device bind, then a different limit
A newly bound phone can inherit a higher band, skip a cooling-off, or reuse an old session token. Transfer-path reconstructions start with the device event, not only the debit.
Transaction paths
Six places a customer instruction can leave the matrix
A working reference we use to frame reconstructions and walkthroughs—not a generic controls catalogue.
Map entries
Each point names the usual story, the evidence we look for, and the engagement that clarifies it.
Payee enrolment upstream of the stamp
Transfer approval judges the instruction. It rarely asks whether the account number changed last night. Payee-integrity reviews sit before the trail you are proud of.
DuitNow band versus intra-bank band
The policy wall shows one daily cap. The application may apply another after a product flag or a scheduled transfer. Limit testing asks which stop is hard.
One login, four duties
Initiate, amend, approve, and release can sit on a single staff or privileged-customer account even when the organisation chart looks clean. A maker-checker walkthrough names the accounts.
Soft warning, hard debit
Limit screens print a message users can tap past. Exception testing asks whether over-limit and split instructions actually stop, including after-hours windows.
Staff path without a reader
Reversal and unlock buttons are not the failure. Unreviewed logs are. Privileged-function examinations sample the exceptions and ask who last opened the report.
How teams use the map
Pick the point closest to the debate in your next sitting, then request the matching engagement. The map frames the sample; it does not replace your application data.
Name the application and the sitting
Which mobile banking build your customers use, and which committee or Bank Negara paper you are preparing.
Match a map entry
We confirm whether the usual story fits, or whether a different point better explains the instructions.
Book the engagement
Reconstruction, walkthrough, payee review, limit testing, or privileged-function examination—scoped to the decision you need to table.
