Digital technologies in our world continue to evolve, and fraud develops with it.
In particular, Internet banking has become one of the most attractive targets for attackers who use various tools to receiving user data.
Internet banking and fraud continues to evolve to this day, and every day more and more cases of illegal receipt of funds from users are recorded.
A little earlier, the fraudsters showed an increased interest in plastic cards, but now they have “switched” to the use of Internet banking, since in this area it is much easier for them to carry out their machinations.
The most popular way to obtain personal data required for authorization in Internet banking is to infect a system with a virus. For this scammers use e-mail, and send spam messages in large quantities.
Scammers also began to create websites that look like the banks web interface, and actively distribute links to them. I would like to note that recently there has been a tendency to use social networks.
According to software protection specialists, most cases of hacking accounts are caused by users themselves. Not everyone uses the provided software capable of protecting systems.
In addition, many users are gullible and actively follow links, even if they receive a letter from unfamiliar users.
I would like to say separately that many experts advise you not to store logins and passwords in the browser, and if you need to enter them, be sure to use the virtual keyboard.
Considering the statistics, one has to observe "sad" indicators, because in 2009 the volume of fraud in the field of Internet banking reached 14%. Since 2009, there has been an active display of fraudsters' interest in banking sites and a significant increase in the victims of intruders.
For 2011, it was determined that almost 10% of Internet banking users had at least once complained that funds had been withdrawn from their account.
Today, the overall percentage of users has increased significantly, security level has become much higher than , but, nevertheless, complaints continue to be received and some people no longer trust money management via the Internet.
The practice of investigating crimes on the Internet is not large among Russian investigators, but it is replenished annually.
If in real bank branches customers are protected not only by thick walls, but also by other means, then they are practically open in the Internet space for fraudsters.
According to statistics, most problems are associated with viruses. They are uploaded to the PCs and smartphones of the victims, which allows attackers to make frauds unhindered.
Malware penetrates in various ways, sometimes even the users themselves download them, under the guise of popular programs.
Hacking is also uncommon due to unsafe data networks. If information is transmitted via an inadequately protected channel, hackers can easily trace it and obtain the necessary logins and passwords.
In 2014, the law “On the National Payment System” was passed, which states that funds that have been written off from clients' accounts due to hacker attacks must be reimbursed by banks.
Banks do not want to lose profit, so they began to actively improve their security systems. Now, almost everywhere, two-level protection is used, so for authorization on sites and operations, not only a login and password is required, but also various codes, including those sent via SMS.
In fact, this is not a sufficiently high level of protection, because hackers need only to crack the personal account of the mobile operator’s client and set up redirection of SMS messages. Thus, they can easily transfer the money of victims to offshore accounts that can not be traced.
It is much safer to use separate programs than to protect the bank itself. The same antiviruses are more thoughtful, since their creators are focused on a single task.
The topic of online cash flow is now relevant, so the Kaspersky Lab has even developed a special tool "Secure payments". It comes with an antivirus, checks whether you are really logged on to the bank site, the presence of a certificate and threats in the operating system.
It is impossible to fully protect against hacker attacks. Even if you do not use Internet banking, attackers can bypass the protection of the bank itself and gain access to private accounts.
Such cases are not unique, however, it would not be superfluous to adhere to certain rules:
If you still fall for the scammers in the field of Internet banking, immediately inform the bank. According to the law, within 24 hours the bank is obliged to return the money to your account, no matter what operation you performed.
Whatever security measures are invented in the Internet banking, fraud will not disappear. It is much easier to write off money through the Internet, besides, hackers invent more sophisticated methods and viruses. Be careful, then the probability of losing money will be minimal.
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