Beware, the cybercrime regime is on the rise

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Beware, the cybercrime regime is on the rise
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Different types of cybercrime are haunting us right now, one of which is fake letter on behalf of the banking service on WhatsApp or by email. No one can guarantee that our important data can be safe when we are connected to the Internet. Lately, we seem to be being hounded to create our own anxiety.

One of the most common schemes is the fraudulent scheme on behalf of BCA (Bank of Central Asia) with its latest scheme, namely the transfer speed increase letter.

Cyber ​​crime alert

The development of digitalization in the banking sphere does not only have a positive effect on banks and customers. However, on the other hand, digitization will also be accompanied by an increase in the potential for banking crimes. The trend of financial crimes will also be increasingly technology-based.

Banking is now easy food for criminals. There are many ways to trick people into pretending to be bank employees. This crime attacks through short messages such as WhatsApp, email to personal social networks.

No one can guarantee that our current important data can be protected if we do not take care of it ourselves. Disclosure of the information we provide can backfire if used by irresponsible people.

Realize that the biggest risk of banking crime is the human aspect, so as a customer you need to be vigilant.

Attacking a person’s weak points

More than 99% of crimes in the banking industry occur due to the exploitation of customer flaws. Weaknesses such as lack of vigilance when lured with gifts or playing with fear/anxiety.

A banking scam like the BCA speed up letter often gets people scammed because they are careless and don’t double check.

As you know, there have been a lot of WhatsApp or email scams lately, sending fake emails on behalf of BCA.

The letter, which resembles BCA’s official bank letterhead, said that to improve services, BCA will increase the interbank transaction rate from Rs 6,500 per transaction to Rs 150,000 per month and will automatically collect money every month. If the customer does not CONFIRM from the link provided, it means that the customer is considered AGREEING to be debited with the new rate.

Who wouldn’t panic if they were told that?

The letter is clearly a SCAM, also known as a HOIST. We can believe that the letter is NOT an official letter from BCA. From letterhead to typing with lots of typos.

Meet Social Engineering

Deception techniques that manipulate people’s psychology to resemble this are known as social engineering or social engineering.

A form of psychological manipulation carried out by someone to obtain confidential information and use that information for the benefit of irresponsible parties.

This social engineering, which makes customers happy, scared or panicked, is designed to get them to provide personal data that is dangerous if it falls into the wrong hands.

In addition to sending fake circulars, such as information about bank transfer rate changes, other forms of crime can take the form of offers to become priority customers, fake customer service bills, credit card offers, and more.

Tips on how to avoid social engineering

There are actually some tips we can do to avoid bank fraud, such as:

Do not carelessly give confidential banking personal details to anyone. Of course, we should ensure that information like ATM card numbers, OTPs, PINs and others do not fall into the hands of irresponsible people.

Also, avoid clicking links that are not official or from a bank account. Many cases of fraud occur because people are not afraid to click on links.

BCA ensures the security of customer data

One thing that is important to know so that we can become smart customers is to have accurate information.

As a rule, the bank always communicates officially through its social media accounts. As it was done by BCA Bank, which of course will always contact customers directly from the hotline (call center) number 1500888 without any prefixes such as 021, +62 and others.

It is very important for us to be introspective in the rampant various ways of fraud that are aimed at us.

Complete information on the mode of bank checks here.



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