Recognizing “Social Engineering”, Fraudulent Practices That Are Increasingly Targeting Bank Customers All

JAKARTAKOMPAS.com – Fraudulent practices by tricking the public into obtaining needed data or information have recently emerged targeting banking customers.

This fraudulent practice is commonly referred to as “social engineering” or koceng.

Quoted from the official Instagram account of the Financial Services Authority (OJK), soceng is a way to trick or manipulate victims so that they can get the personal data information or access they want.

Also read: Know the Mode of Social Engineering and How to Avoid It

Usually, soceng influences the victim’s mind through various persuasive means and media by making the victim happy or panicking so that the victim will subconsciously answer or follow the perpetrator’s instructions.

In banking itself, soceng is used by criminals to retrieve personal data and information, to steal money in accounts, take over accounts, or misuse customers’ personal data.

The types of information that Soceng can steal include application usernames, passwords, PINs, MPIN, OTP codes, ATM card numbers or credit or debit cards, CVV/CVC numbers for credit/debit cards, biological mother’s name, and other personal information.

Also read: Be careful, these are the 4 modes of social engineering that are increasingly popular!

The trending soceng mode

OJK noted that currently there are at least 4 modes of social engineering that are being carried out.

The fraudulent mode includes pretending to be a bank officer, but asking or asking for a password, PIN, MPIN, OTP, or personal data.

Then, there is also a fraudulent mode that contacts customers via telephone, social media accounts, email, and bank websites.

The following are 4 modes of social engineering crime that the public needs to be aware of:

1. Info on changes to bank transfer rates

Fraudsters pretend to be bank employees and pass on information about changes in bank transfer rates to victims.

Fraudsters ask victims to fill out a link or form link that asks for personal data, such as PIN, OTP, and password.

2. Offer to become a priority customer

Fraudsters offer advertising upgrades to become priority customers with a myriad of promotional seductions.

Fraudsters will ask victims to provide personal data, such as ATM card numbers, PIN, OTP, CVV/CVC numbers, and passwords.

3. Fake customer service account

Fake social media accounts in the name of a bank. Accounts usually appear when a customer submits a complaint regarding banking services.

The perpetrator will offer assistance to resolve the complaint by directing it to the perpetrator’s fake website or asking the customer to provide their personal data.

4. The offer to become an agent sells well

Fraudsters offering services to become bank savvy agents without complicated requirements. Fraudsters will ask the victim to transfer some money to get an EDC machine.

OJK emphasized that bank officers will not ask for or ask for passwords, PINs, MPIN, OTP or personal data.

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