BANK FRAUD. An online conference dedicated to bank fraud will be held on Tuesday, January 24, 2023. Cybermalveillance.gouv.fr, UFC Que Choisir and AFCDP will be on hand to answer your questions and present solutions to scams. and risks.
[Updated January 23, 2022 at 10:53 a.m.] 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 among the top 3 threats targeting professionals. The goal is simple: get your hands on your login credentials, 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 phishing by MMS, to the detriment of SMS or email. And all this for a simple reason according to Jean-Jacques Latour, head of cybersecurity expertise at Cybermalveillance.gouv.fr: “The messages are much shorter. There is less risk of spelling mistakes. Also, the people have more confidence in their phones.”
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 if you are a victim? To answer these questions, three experts will participate on January 24 in a round table by videoconference at 6 p.m.: Raphaël Bartlomé, Paul Olivier Gibert, president of the French Association of Personal Data Protection Correspondents (AFCDP) and Laurent Verdier, Director of the Awareness Unit within the Cybermalvaillance.gouv.fr victim support platform. An event to which Linternaute.com is associated as a partner.
To register for the event, click on the following link without further delay:
https://app.livestorm.co/cybermalveillance-gouv-fr/une-fraude-bancaire-toutes-les-4-secondes-et-si-demain-cetait-vous-la-victime
To receive the access link, and attend the webinar:
Three experts will be present during the webinar dedicated 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. Phishing accounts for 78% of online banking fraud.
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 stolen or lost cards, then used without your knowledge afterwards still represent 18% of online banking fraud. See on your account statement that payments have recently been made and you didn’t 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, bank card fraud is observed every five seconds in France. Impressive figures, as well as the average amount of damage: 4,000 euros, according 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: illectronism. 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 Internet payment fraud rate is down sharply by 20% (0.196%), even though three-quarters of card fraud relates, in amount, to Internet payments. A result, due, in part, to largely reinforced authentication measures.
To protect yourself against the fraudulent use of your credit card, the government site Cybermalveillance.gouv offers 11 tips to follow:
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:
