I totally agree with Badak Mal that we should talk less and show more action with regards to Maybank's move to impose a fee for its online banking service.

The reason why banks introduced Internet banking was to reduce their operation costs by routing their customers online rather than having them walk into their branches. In this way, they can reduce their manpower need and also save a lot on paperwork and materials.

This in turn increases a bank's profit margin. But if the bank wants to get greedy and impose a charge on us for something that had helped reduce their costs, then it is time for the consumer to show who is the boss here.

You see, RM12 a year is not something to be debated about. But when it is applied to a massive customer base, it runs into hundreds of millions which the bank profits at the customers' expense.

If we consumers don't have the guts to close our accounts with Maybank, then I would kindly suggest that we shut-up, pay the RM12 a year and go about your business without making too much of a fuss.

We had already set a bad precedent by accepting the banks charging us RM8 a year for our ATM cards. So now the banks are trying their luck for other possible ways to pass on their costs to us.

Pass on their costs to us they always will - not their profits. They keep our money and make it work for them and on top of that charge us.

What's wrong with the picture, people?