No matter how careful a user is nowadays, a bank fraud can easily be committed against him, especially if he belongs to the generation between 1980 and 2co.
Evidence shows that victims of 18 to 34 years, on average, lose £ 2.630 from scammers, who are usually reported as banking staff, police or government agencies.
Of course people over the age of 55 lose the most money in scams - on average £ 10,716 per scam - but they are less likely to be cheated by younger users.
So why is this - and is there anything you can do to protect yourself from such fraud?
“Young people are shopping online and using it electronic banking services to a much greater extent than previous generations, ”says Philip Haglund, CEO and founder of Gimi, an application that teaches children to be careful with money.
“This generation has a long history on the internet and its digital footprint is great. People who use them will services on a regular basis can be less reserved and more likely to share personal information without questioning the location and purpose. "
"There is also a lack of awareness and knowledge in this generation of how to keep their money safe compared to the older ones," adds Haglund.
Although it can be difficult to keep bank details safe and to avoid fraud, there are some actions that can be taken to protect users' accounts.
"First, they have to check their bank accounts and statements frequently to detect irregularities, and even sophisticated technology may not always alert the user to an issue," Haglund explains.
“It also helps to change codes access sometimes a year and not provide personal information by email or phone. Banks will never ask for a password for your online or pin accounts. ”
Authorized payment fraud is a type of fraud in which someone tricks their victim into sending money from their account. Often this is done by phone, email or social media pretending to be someone else, such as a bank or real estate agent. Victims believe they are transferring money to an employee while in fact the money goes to the fraudsters.
Some scammers can be particularly inventive when they want to steal money from their victims, so you need to be very careful with your transactions.
It can be difficult to understand who is legal and who is not, but there are signs of fraud. If you've received an email where the address is spelled or contains random numbers, it's probably not legal. And you should only use secure connections WIRELESS and avoid a public WIFI.
It is also important to keep your operating systems and antivirus software up to date on your laptop, as it can protect you from scams, viruses and ransomware.
If you think you have been the victim of fraud, stop sending money immediately and contact the cybercrime prosecution to report what happened. Finally, if you notice that money has come out of your account without your consent, contact your bank immediately.