Taking out malicious links is one of the easiest ways to deceive a person. According to RBI, fraudsters can create a fake website that looks like an existing real website, such as a bank website or an e-commerce website or a search engine etc. These links are sent by fraudsters through text messages or social media.
Malicious links are disguised as the original names of the websites, but in reality the customers are redirected to the phishing website. When customers enter SAFE credentials on these websites, it is saved and used for theft by fraudsters.
One thing to note is that most of the time customers just take a look and click on the link and enter the secure credentials instead of checking the detailed URL. Frauds on e-commerce platforms can pretend to be buyers and show interest in your products. This is a very good technology to deceive people. RBI said in its research that ‘instead of giving you money, they use the money request option through the UPI app and insist on accepting the request to withdraw money from your bank account.’
Unknown Mobile Apps
Malicious mobile apps are the easiest way for hackers to gain full access to your device. These apps are shared as ‘certified’ apps on social media platforms and WhatsApp group chats. The links are created in such a way that the customer is redirected to download the unknown app. Once the app is downloaded, fraudsters get full access to your device.
RBI has emphasized that these apps are mostly screen sharing apps, through which scammers can see. Can control your mobile phone to gain access to your financial credentials. Then they make the payment using your internet banking and payment apps.
via search engine
All people rely on Google to find the contact numbers of businesses, banks and government offices. Scammers know that search engines have become a source of trust. Taking advantage of this, scammers have listed fake contact details on search engines like Google, Yahoo, etc. to attract people and steal their money. Once a customer calls these numbers, fraudsters ask customers to provide their card credential details for verification. By taking this contact as genuine, people compromise all their secure details and thus become victims of scams.
Scanning QR codes has become very important during Kovid-19. Whether you’re in a restaurant that wants to access the menu or pay less for a contact. Scammers often contact customers in multiple ways and use payment apps to scam them to scan QR codes. This allows fraudsters to withdraw money from the customer’s account.
It might sound strange to you, but scammers have come up with a way to sabotage your device and gain full access to it using a charger. RBI said in its research that ‘Juice Jacking’ is a type of cyber scam, where once your mobile is connected to which unknown or unverified charging port, unknown apps are installed, along with which fraud personal data, email, Can also steal SMS and save passwords.
RBI has given a list of ways to stay safe online.
- Beware of strange looking pop ups that appear during your browsing session.
- Always check for a secure payment gateway (https:// – URL with padlock symbol) before making online payment.
- Do not share your PIN (Personal Identification Number), password, and credit or debit card number, CVV with anyone.
- Avoid saving card details on websites/devices/public laptops/desktops.
- Enable Two-Factor Authentication where facility is available.
- Never open emails containing suspicious attachments or phishing links from unknown sources.
- Do not share copy of check book, KYC documents with any unknown.