a Quarter of adult Russians potentially can become victims of scams. Analytical center NAFI found that 27% of cardholders are willing to provide information, expiration date and security code people who appear to be employees of banks. While attempts to lure data across one third of the respondents. Though all levels of government constantly warn of new fraud schemes, and every day hundreds of Russians to give their money to criminals. “MK” tried to find out why victims of banking scams rule “forewarned is forearmed” does not work.
last year, financial fraud successfully pulled about 577 thousand of transactions using electronic payment instruments, stealing the Russians 6.4 billion roubles. Disappointing statistics summed up the monitoring Centre and response to computer attacks in the loan and Finance Bank of Russia (Finart). The average amount stolen from accounts of natural persons amounted to 10 thousand rubles, legal entities – 152 thousand rubles.
In the Arsenal of crooks a few basic ways of theft, the most common of which (69% of theft) – social engineering. With the help of it and are phone scammers: they are employees of banks, social services, health workers, and then use psychological tricks, intimidation, manipulation, asking the victim’s card details required for withdrawal of funds. In the end, the man himself gives the swindler “the key to the safe.” Often scammers do not stop and direct extortion: in case of successful operation the victim gives details of cards, and she makes the transfer. So are the fraudsters who ask money to rescue friends and relatives, a Deposit for the purchase, acquisition supposedly rare and expensive drugs.
When the victim realizes what happened and turns into a real Bank for payment, then shrug: people voluntarily give money, even though he was misled. As reported, the Central Bank, from the stolen phone scammers 2.2 billion customers, managed to return only one fourteenth the ruble.
In the period of the pandemic the number of remote crime naturally increased. Almost every week of the Central Bank, the CPS and other agencies have reported new types of fraud. Among coronavirus innovations – the attempt to obtain money or card details supposedly for the payment of different kinds of compensations for delays on loans, tests, drugs. In addition, intensified and cyber criminals. They send phishing emails with links to virus sites that read information from the infected device.
the Russians lack financial literacy, experts are convinced. “But now the attackers and even the stresses of the current financial situation of many citizens. The fear of losing or ��he desire to obtain money in terms of coronaries make people go on about scams. So they believe in the return of funds for tickets and tours, payment of benefits without visiting government agencies pay unemployment. And that is a problem of the entire state, which must control the conventional “level of happiness”. As soon as mental state, which directly affect revenues will recover, and the stories of fraud will become much less,” – said the expert of the Academy of management Finance and investments Aleksey Krichevskiy.
By the way, that the fraudsters in the period of the pandemic were more likely to use the human desire to get rich, say in the Central Bank. The Director of the Department of counteraction to unfair practices of the Central Bank Valery Lyakh said that in recent months has increased the volume of advertising with the offer of easy money. Being driven to such bait, the person gets in a financial pyramid, paws of psevdobrokery and other “black sharks”, greedy wallets of gullible people.
On each new scheme of fraud is impossible to prevent all at once, recognizes the chief analyst of TeleTrade Peter Pushkarev. “Universal tip one: do not map anything when someone calls you. Have to call itself always and only at the official Bank number, indicated on the map. For greater protection you can install on the card’s daily spending limit or keep the card account a minimum of money, and all other savings will be let on a normal current account, which if necessary you can top up the card,” advised the expert.