BANK FRAUD. An online conference dedicated to bank fraud will be held on Tuesday, January 24, 2023. Cybermalveillance.gouv.fr, the UFC Que Choisir and the AFCDP will be there to answer your questions, and present you with solutions to scams. and risks.
[Mis à jour le 20 janvier 2022 à 11h35] Online banking fraud, also known as phishing or “phishing” has become in a few years the main scam technique targeting individuals on the Web. It is also part of the top 3 threats targeting professionals. The goal is simple: get your hands on your login credentials, your account numbers and the various passwords used to extract money from you. In recent months, criminals have even made a major shift by turning to the MMS phishing, to the detriment of SMS or email. And all this for a simple reason according to Jean Jacques LatourHead of Cybersecurity Expertise at Cybermalveillance.gouv.fr : “The messages are much shorter. There is less risk of spelling mistakes. Also, people have more confidence in their phone.”
While “one person is the victim of bank fraud every four seconds in France”, according to Raphaël Bartlomé, Head of the Legal Department of UFC-Que Choisir, how to detect fraud? What are the good reflexes to acquire? Who to call? What to do if you are a victim? To answer these questions, three experts will take part on January 24 in a videoconference round table at 18 hours : Raphael Bartlomé, Paul Olivier GilbertPresident of the French Association of Personal Data Protection Correspondents (AFCDP) and Laurent Verdier, Director of the Awareness Unit at the Cybermalvaillance.gouv.fr victim support platform. An event to which Linternaute.com joins as a partner.
To register for the event, click on the following link without further delay:
To receive the access link, and attend the webinar:
A webinar on January 24, 2023 at 6 p.m.
Three experts will be present during the webinar devoted to bank fraud on January 24, 2023 to present all the issues, the solutions and to clarify the gray areas. Each of them will represent one of the partner organizations.
The information collected is limited to a nickname and a question. No personal information will be communicated. Questions and testimonials will only be used for the exclusive purpose of the webinar and deleted thereafter.
In France, the majority of acts of online cybermaliciousness, or online banking fraud are similar to phishing. Also called phishing, this technique consists of sending an SMS or an email to the victim, impersonating a third party. The objective: to encourage this person to communicate their personal and banking details to you, or to infect their electronic device with a virus. False child pornography offense messages have been very frequent for several months, the delivery of packages, or the personal training account (CPF) are also among the most widespread techniques. the phishing represented 78% online banking fraud.
the online account hacking comes in second place, but is experiencing a real explosion: +139% compared to 2020 according to figures from Cybermalveillance.gouv.fr. The goal? Break into your email account. The latter contains countless information for cybercriminals. By accessing it, the cybercriminal can afford to reset the password of all other online accounts of the victim. Hence the importance of choosing different passwords depending on the applications used.
Also, be aware that the stolen or lost cardsthen used without your knowledge thereafter still represent 18% online banking fraud. Have you noticed on your account statement that payments have recently been made and you did not make them? In this case, immediately oppose your bank card.
In France, out of 28 billion banking transactions per year, 7.5 million are fraudulent. Enough to increase the total amount of bank fraud to 1.2 billion euros per year. Bank fraud is detected every four seconds. And more specifically, a fraud Bank card is observed every five seconds in France. Impressive figures, as well as the average amount of damage: 4 000 eurosaccording to the 4,200 files analyzed this year by UFC Que Choisir.
This tidal wave can be explained by a fairly widespread phenomenon in the country: theelectronicism. In other words, the difficulty or even the inability for a person to use digital devices and tools due to a lack or total absence of knowledge about how they work. For example, from a banking application. In total, 21% of the population suffers from illiteracy.
Please note, according to the 2021 annual report of the Observatory for the Security of Payment Means, the fraud rate for French cards is down, to 0.059% last year. The rate of Internet payment fraud is very clear 20% drop (0.196%), even if three-quarters of card fraud relate, in amount, to payments on the internet. A result, due in part to authentication measures largely reinforced.
To protect you against the fraudulent use of your credit card, the government website Cybermalveillance.gouv offer you 11 tips to follow :
- Never share your bank details
- Keep your credit card safe
- Check your bank account regularly
- Do not save your bank details and delete them if you no longer use it
- Choose secure means of payment (Paylib, etc.)
- Pay attention to validation requests
- Do not open suspicious messages, their attachments and click on links
- Use sufficiently complex passwords and change them if in doubt
- Regularly update your device your operating system
- Do a full virus scan regularly
- Avoid connecting to a public computer or Wi-Fi network
Are you a victim of phishing or online banking fraud? You have to react as quickly as possible. Cybermalvaillance lists the reflexes to have if this were to happen to you:
- If in doubt, contact the organization concerned: if in doubt, contact the organization concerned directly if possible to confirm the message or call you received
- Oppose immediately: if you have inadvertently communicated information about your means of payment or if you have noticed fraudulent debits on your account, immediately file an objection with your bank or financial institution
- Keep the evidence and, in particular, the phishing message received
- File a complaint: if you have noticed that personal information is being used to usurp your identity or if you have noticed fraudulent debits on your bank accounts
- Immediately change your passwords: if you have accidentally communicated a password, change it immediately on the site or service concerned, as well as on all other sites or services on which you used this compromised password
- Report suspicious messages or sites to Signal Spam: if you received a questionable message, do not click on the attachments or on the suspicious link. If the message includes a link, position your mouse cursor on this link (without clicking). This will then display the real address to which it redirects in order to check its plausibility
- Report any suspicious messages received by SMS to 33 700 : if you have received a suspicious message by SMS or MMS, report it on the platform 33,700 or by SMS to 33700
- Report the address of a phishing site to the Phishing Initiative: check the website address displayed on your browser. If it does not correspond exactly to the site concerned, it is most certainly a fraudulent site. Sometimes a single character can change in the site address to fool you. Faced with a suspicious site, you can report it to Phishing Initiative which will block the address of this site.
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