you pretend to be employees of mobile operators asking. set up sms forwarding. the goal is to get access to the banking application and steal money. how to prevent data leakage, what to do if it has already happened, stanislav bernwald will tell in the instruction program the world is not without kind people, but unfortunately, the opposite is true and some kind people in quotation marks people sleep and see how to take loans in your name and assign it yourself. how not to become their victim. i will tell you in 5 minutes in the program, the instruction will start with the most harmless messages about an approved loan, let me remind you that approved does not at all mean issued by some large banks in this way remind of their existence. but if such a message came from a microfinance organization. here it’s worth thinking about how you got into its database and contact the credit bureau for prevention, how i’ll tell you a little later, experts give another good advice to get

a virtual number service from your telecom operator and indicate it everywhere on websites in stores only virtuoso hackers they will be able to associate a virtual number with a real ordinary scammer, this is not possible if you want to play it safe. you can try to prohibit taking out a loan altogether, and the truth is that such changes federal laws are only being considered at the moment, the possibility of refusing to issue loans is centralized, but without personal presence there is none. and although such amendments to the legislation are already being considered, but today it can be noted that some banks are already working on introducing such an opportunity in your personal office. and this means that a person will not need to go to a bank allocation, but it will be enough to go to his online bank and set a limit on the issuance of online loans, take a more unpleasant case, you lost your passport or threw away a photocopy of it, and someone picked it up or went to

document to fraudsters. or they themselves received your data from the database. why is it dangerous? the fact is that banks and mfis switched to simplified identification a few years ago, that is, to get a small amount online, a scan of a passport is enough. and no visit to the office in some cases, the bank may request snils, but this does not always help, and passport data and snils of tens of millions of russians are stored in commercial and government databases, one hack or an unscrupulous employee is enough and there is already a risk, although the sunnas themselves do not have a personal visit and small, but limited on the number of loans. no, especially malicious swindlers, manage to take dozens of microloans per day, the question arises. but what about the banks? don't they do id verification? in general, of course, yes, but criminals find loopholes, sometimes banks trust third-party organizations to check. well, they can relate to their functions. well, perhaps negligently, in some cases

, a video conference or a photo with a passport in hand is required, that is, something in between a visit to a bank and an anonymous issue online. however, deepfakes are not only for information wars and comedians. fraudsters have learned how to fake photos and videos, of course. i don’t know, creating a believable picture did not come cheap and it’s far from the most popular method, but sometimes it is also used. well, the most unpleasant thing is the human factor, a petty clerk inside the bank, can become an accomplice of swindlers, and here there is no question of any verification at all. let's look at another unpleasant situation. you have lost your smartphone. this can be even more dangerous than losing your passport, especially if additional security features are not activated in the banking application. it seems that this is why each bank has a clause in the application agreement that the organization is not responsible. in case of loss smartphone. moreover, all operations confirmed from the

phone are considered confirmed by you personally. eh, how would you like to drop by? well, for example, to the office and the banking application is not the only thing. what you need to pay special attention to is also to take into account the account on the public services portal, because e, many microfinance organizations now work through an account verified on public services, thus, if scammers take over, and with your portal, it will not be difficult for them to pass verification on these microfinance websites organizations and take on your profile as many credits. how much will the system allow them? how to protect yourself from scammers? it is generally possible, yes , there are methods. let's see the main ones. if your passport is lost, immediately contact the police, do not send photos from scans to suspicious sites and unfamiliar users, even if they were sent to reliable ones. delete the messages then, if you are hacked, the data still does not receive

the same with photocopies, do not forget them. do not leave in mind now about the smartphone. install in it and in the banking application itself, additional levels of identification are slightly more complicated. this is a credit check. to do this, you need to find out at public services which bureau. your data is then on the bank's website to submit an online request for a credit report twice a year, the service is provided free of charge. and what to do if the scammers have already taken a loan, do not panic. here, too, there is a mechanism. you need to request your credit history at the bank, file a criminal complaint with the police and do not forget to get a coupon notification of its acceptance, then you should contact the bank or mfi with a written application to indicate that the loan was received fraudulently , set out the actual circumstances and attach evidence of everything that is here, in fact there is one plus, let's say, according to our

data, 80 percent of these microfinance organizations when you come to their office and say that there was a loan. uh, it was not taken by you, but you provide them with documents stating that a criminal case has been started. they usually roll over. all this debt collection activity. so what do you need? do not become a victim of scammers, first of all, take care of your passport and smartphone, do not give copies of documents to strangers, and in the device you can also activate additional methods of protection according to passport data, crooks can manage to take dozens of small loans, a decent amount runs up. well, through a banking application on a smartphone , you can do anything at all and by