Some examples are:
A transaction that the cardholder did not participate in with the merchant e.g. a fraudulent charge
Transactions on the account after a credit/ debit card was reported lost or stolen
A transaction that was not authorised via either a One-Time Pin (OTP) or Push Notification from the SC Mobile App.
Note: If the cardholder was scammed into entering the OTP or Push Notification from the SC Mobile App, the transaction will still be considered as ‘authorised’.