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Online Bank Security: Cyber Crimes

Online Bank Security: Cyber Crimes

Learn about cyber crimes

Cybercrime is any illicit activity carried out through computer devices or in cyberspace to the detriment of any individual, organization or government.

In general, those who carry out this illegal act will use different techniques to get confidential or sensitive information from users, counting to their gullibility, or forcing their hand with more persuasive methods.

At present there are different types of cybercrime, which are important to be aware of in order to identify when you are facing one of them.

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According to data from the National Cybersecurity Center (NCC) and the High Tech Crime Bureau(HTCB), the crimes that have a higher incidence in the United States are:

Scam (51%)

It is the one in which a person deceives another person with the objective of obtaining profits from the property or patrimony of the latter.

To convince the victim, the swindler resorts to lies, either by using an assumed name, simulated quality, false titles, among others.

Extortion (18%)

In this case, the cybercriminal takes advantage of a person's personal information to force the victim to act in a certain way.

To carry out this crime, the threat or simulation of authority is used, causing the affected person to deliver, send or deposit money, goods or documents in favor of the cybercriminal.

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Phishing (12%)

It is a computer fraud through which the cybercriminal sends an email to the person, accompanied by a malicious link, in which he pretends to be a legitimate entity (bank, recognized store, public entity) to obtain personal information of the victim, such as passwords, bank keys, etc. in order to make an economic expense on behalf of the victim or to infect his device.

One of the main characteristics of this type of crime is the use of a language of urgency, in order to make the person act hastily.

Identity theft (4%)

This is the type of crime in which the cybercriminal uses a person's information to impersonate him/her and carry out operations in his/her bank accounts or perform lawful acts in his/her name.

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Illegal access (4%)

The act of entering an information system by any means without prior authorization.

Skimming (2%)

It is an illicit practice in which the cybercriminal, through the use of an electronic device, copies the information of a credit or debit card to use it fraudulently.

What can be done to stop them?

In addition to recognizing some of the forms of deception used by cybercriminals, it is even more important to establish prevention measures, that is, to employ actions that decrease the levels of vulnerability to any of these cyber attacks.

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As part of the cybersecurity measures are:

Be cautious and analyze before clicking on any link attached to an email, verifying the origin of the file.
Establish strong passwords for accounts, including symbols, numbers and upper and lower case letters.
Install anti-virus and firewalls on electronic devices and keep them up to date.
Make backup copies to protect files.
Safeguard personal information, avoiding sharing confidential data through social networks, emails, phone calls or any other messaging service.

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