Recomendaciones para protegerse de las estafas cibernéticas

Recommendations to protect yourself from cyber scams

Due to the increased use of digital channels, cyberattacks and financial fraud increased. Pay attention to these tips to protect yourself from cyber scams!

Due to the increased use of digital channels in the new normality by consumers in the banking sector, cyberattacks and financial fraud to the detriment of users increased exponentially. That is why banks and other companies in the financial sector have been developing preventive mechanisms that ensure the well-being of their clients.

READ: Recommendations to detect malicious applications that can be a front for scams

According to a study carried out by Kaspersky in the region, it is identified that the number of cyberattacks in Peru during 2021 grew by 71% compared to the previous year.

To improve the security of your phone, protect your personal information, avoid the generation of fictitious credits and bank fraud when you carry out operations with your card, Marco Sayas Segura, Head of Operational and Technological Risks of Banco de Comercio, as part of the campaign “Experts in Fraud Prevention”, provides the following security tips to know what to do and how to take care of ourselves to avoid cyber scams:

1. Take care of your personal passwords. Although it is true that it is faster to save the passwords to enter at the beginning of all the mobile apps, this is used by cybercriminals to commit fraud quickly, therefore, we recommend that you do not save them when you log in and place them in each transaction. what are you going to do

In addition, we recommend using infrequent numbers and data to generate your access codes to your bank accounts and apps that are on your cell phone.

2. Pay attention to your emails, from the sender to the content, there are scam modalities where they send mass messages from fake accounts. Also, keep in mind that a financial institution will not send you links to change passwords or request information about your passwords.

READ: LinkedIn: how to avoid scams on this social network

3. Do not provide confidential information requested by suspicious calls: Be alert to unknown phone calls or text messages (SMS), or by WhatsApp of dubious origin where they ask you to update your personal data, ask for subscriptions, notify you of bank account verification, tell you that your card has been blocked or offer promotions in exchange for personal information.

Keep in mind that through trickery, fraudsters aim to reveal your confidential data (card number, ATM secret code, card expiration date, CVV2, virtual token or SMS code) to carry out financial operations without your consent. In the case of Banco de Comercio, it will never ask you to reveal confidential information through phone calls. If you receive a suspicious call, hang up and block the number.

4. Install antivirus to prevent virus leaks on your devices: Make sure you keep an updated and reliable antivirus on your computer that avoids suspicious leaks. One of the modalities that has been increasing for the theft of personal information is the so-called “Pharming”, consisting of sending viruses to your computer or cell phone through attachments in emails, applications, games or unsafe web pages, allowing This, access to your confidential bank data, with which cybercriminals can access your funds.

To prevent this type of incident, we recommend accessing the Bank’s website directly, for example, by typing the URL (www.bancomercio.com) in the address bar, do not access the website through search engines or download content from suspicious emails or insecure pages.

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5. When you are at ATMs, do not accept help from strangers: Another form of bank fraud is the so-called “Cambiazo”, carried out in ATMs, frequently third parties approach the user offering them an apparent “disinterested help” and using tricks they manage to distract the person to change the bank card for a similar one to the bank. Then, they ask the person to enter their secret password so that they can observe it, in this way with your card and password the individual will be able to withdraw your money.

To prevent it, it is suggested not to allow the help of third parties when performing operations, when digitizing the secret code, even if you are alone, cover the keyboard with your hand, always avoid going to ATMs that are in areas with poor lighting or isolated from security staff.

6. Be alert that your phone number is not copied or hijacked: Another form of fraud is called SIM Swapping, where scammers “copy or hijack” your phone number and then assign a new SIM card. Once they do this, they can insert a new SIM (with your number) in a different phone, to access your personal data and account through email, WhatsApp or SMS.

One form of red flag to consider is that your phone will have no signal, so you won’t be able to make calls, messages, or join a Wi-Fi network, and if you do connect to a network, you may receive emails about changes to your bill. We recommend that if your cell phone suddenly and inexplicably loses signal, immediately contact your telephone operator and the banks where you are a customer.

READ: Watch out! Scams grow by collecting cards at home

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