Kathmandu. Imagine what happens if someone else steals the money you have deposited in the bank for years without your knowledge? What happens if your bank account, which you have kept in a safe place, is emptied without your knowledge? Now you may think, ‘Does this happen?’ Not only yes, but it has happened to many. Without you knowing, all the money is lost in an instant! If you are not careful, your bank account can also be empty.

Although it sounds like the story of a movie, many bank accounts are now empty and many people are in pain. In recent times, the incidents of calling as bank employees, threatening that the account is going to be closed, sending a link in the name of KYC update, and asking for OTP, PIN, password and banking details by luring attractive offers are increasing. And one more such incident has come to light. On social media, about 93,000 cases have been reported from a person’s bank account on the pretext of updating the bank’s system.

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According to the information received through social media, a notification about the system update was received on the victim’s mobile at around 5:30 pm. In the information, he was asked to enter confidential details including mobile banking ID, password, mobile number and transaction PIN. After entering those details, thinking it to be the official information of the bank, the victim’s mobile was switched off for about 15 minutes. After 15 minutes, the mobile was reactivated, but after turning on the phone, it was found that about Rs 93,000 in the bank account was missing. After knowing that he was a victim of fraud, the person complained that he was cheated on social media.

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Yes, such incidents have been increasing a lot in recent times. On Arthasarokar. com, there have been a lot of complaints that the bank account was empty, I was cheated, the phone was turned off when I clicked the link, and the money disappeared from the account when the phone was turned on. There are many such incidents on social media as well. Nepal Police is also urging the public to take special precautions as the cases of phone and online fraud in the name of banks and financial institutions are increasing.

The police have been repeatedly requesting the bank employees not to provide such details if the caller asks for OTP, password, ATM-card PIN, mobile banking password or any other sensitive details in the name of KYC update, account renewal or any other process.

Police Notice:

Digital banking fraudsters use technology as well as human psychology, they know that if people are shown fear and greed, they react quickly, so your account is being closed, your card is being blocked, you have won a prize, you have got a bonus in your account, you have got a special loan facility and you have become a millionaire.

Not only the general public but also big banks and financial institutions can be at risk in banking fraud. Yes, in the banking fraud, Italy’s largest bank Intesa Sanpaolo has also been deceived by the fake voice created by AI, 95 million euros (about 16.58 billion rupees) has been stolen from the bank’s branch. According to Italian media, more than half of the fraudulent money has been returned, but about 36 million euros are yet to be returned. The fraudster tries to win your trust before stealing your money. His language may be polite, his voice may be believable, he can say the name of the bank correctly, he can even know some of your personal details. But that does not mean that he is a real bank employee.

Notice made public by Italian media:

So don’t believe just by knowing the voice, knowing the name or seeing the logo of the bank, first confirm, think and then act, one click can make our job easier, but the wrong click can cause great risk. An IT can secure a transaction, but if the same IT is given to the wrong person, then there can be a problem. So before blaming the technology, we need to learn its safe use.

Digital means have made it easier to send money, pay bills, make purchases, and do other financial transactions. However, with the increase in convenience, the risk has also increased. Therefore, while using digital banking, not only convenience, but also security should be given equal priority, due to a few moments of carelessness, you can lose the money accumulated by years of hard work, so make a habit of thinking not twice but thousands of times before believing in any unknown link, offer, or message.