Cyber crimes victimising debit-card holders are rising by the day. What measures are being taken to check this menace?
We conduct regular seminars and workshops for bank employees, policemen, and even Mantralaya workers in which we give them a presentation about how to identify fraudster callers and what are their techniques. We also tell them how skimming and cloning take place, how to identify if a machine has been tampered with to hide a skimmer or camera, and how to shield the PIN while entering it.
To what would you attribute the rise in card fraud cases?
The technology is evolving continuously and with nonstop advancement, it is getting easier for fraudsters to find new and ingenious ways to scam people.
Whose responsibility is it to ensure cards do not get skimmed or cloned?
The primary responsibility lies with banks. They should make all possible security arrangements at ATMs to avoid this. However, customers should also be alert and aware of security methods.
Why do you think many of such fraud cases involve Romanian and Bulgarian nationals?
East-European countries are more advanced in modern technology and most banking malware originates there. That can be a reason that their involvement has increased.
What is the legal procedure followed if a cyber criminal is found to be based abroad?
We have multilateral treaties with several countries based on which we take help of particular countries and issue letters rogatory and start the extradition process. If they are arrested here, their embassy is informed and further action is taken.
