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5 Mode Bank Fraud and How to Avoid It Current bank transactions very easily so be prone to fraud




Advances in technology have a positive impact on banking transactions easily and quickly. Currently you can perform banking transactions anywhere and anytime, via the internet (e-banking), mobile (m-banking), phone (phone banking), or short message (sms-banking).

However, in addition to providing convenience, variety of transactions can also be misused. It is necessary to caution the customers. To make sure that knowing some illegal banking operation mode.

Based on data from Bank Indonesia (BI) rate of banking crimes have increased. In May 1009 recorded cases of fraud were reported with losses reached Rp2, 37 billion. Most types of fraud is identity theft and Card Not Present, each as much as 402 cases and 458 cases. Loss value of each R1, 14 billion and Rp545 million experienced 18 publishers.

Here are some tips that you need to avoid banking crimes:

1. Fraud by telephone
Carried out by criminals to call you and proclaim your prize, the unfortunate family or expressed interest in the stuff you're advertising. Based on that the caller will "guide" you to lead you to the ATM and follow the instructions caller.

How to avoid:
First check the caller's identity. Immediately close the phone and do a check on the information you receive. In general, companies lottery organizers did not ask the winner to transfer of funds to the companies running.

Another mode if you receive a call telling me that your family is the unfortunate, do not panic and do not follow the caller's commands. Ask the caller identity and do checks.

2. Email scams
There are times when you receive an email that seems to come from the bank and it looks genuine. In this mode offender asks you to enter your account number and PIN number.

The other way is to make your bank's website address that seems real but is actually a fake. You will be prompted to enter your account number and your PIN number on the website is the "reason" for updating your personal data.

How to avoid:
Never respond to emails that ask you to enter your account number (or user-id) and a PIN number. Your bank may not ask for personal information via email because banks already have that information. If you go to the website of your bank to make a transaction, make sure your website address is correct and you have the added security procedures such as tokens, in addition to the user-id and password.

3. Fraudulent investment offer in exchange for higher interest rates
In this mode of investment companies offer the promise of providing high returns. Be wary of deals like this because there are a number of offers that proved unable to meet the returns as promised.

How to avoid:
Ask yourself whether fair compensation is very high interest rate on your investment. Do check the credibility of the first companies offering investment. Make sure you're protected from the law before deciding to make an investment.

4. Fraud using credit cards on the internet
More and more shops or merchants that offer products and services via the telephone or the Internet, the ease of paying by credit card. You are only required to mention your credit card number, expiry date (expiry date), and 3 (three) digit secret code printed on the back of your credit card, and the transaction was done.

How to avoid:
Make sure you know about products and services offered by the store or merchant, as well as understanding about the terms & conditions of the goods or services offered. Do not give your credit card number, expiry date and 3 (three)-digit secret code that is located on the back of your credit card, to anyone before you accept the benefits of the products and services offered.

5. Counterfeiting number call center
In this mode criminals make it look like your bank ATM machine was broken and swallowed your card. Panicked, you will unwittingly call the call center "false" in about an ATM machine. Then you will be asked to name the recipient phone PIN number and promised that a replacement ATM card will be sent. Armed with your PIN and card, criminals will take your money.

How to avoid:
Record 24-hour telephone number of the bank where you become a customer. If you call that number, you generally will be answered by an automated answering machine and asked to enter a particular service option.
You can select which directly connect with the customer service. Never give your PIN number because the bank will never ask customers PIN number.

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