Jakarta, CNBC Indonesia – Fraud via WhatsApp is increasingly massive. Fraudsters are launching more and more modes in order to drain the accounts of their victims.
One of the modes that was uncovered was sending invitations on WhatsApp. Scammers will make the invitation a downloaded file that turns out to be an (.apk) file.
According to the Director General of Aptika of the Ministry of Communication and Informatics, Semuel Abrijani Pangerapan, the cyber fraudsters will create accounts for their crimes. The account, based on searches, was not created by scammers.
Account accounts are created based on other people’s data. After the account is successfully created, the person will be given money to provide the account.
“Met in the field, they used other people to register, after that they gave them their wages and took their bank account,” explained Semuel.
There are still many modes made by fraudsters. Here are some of them, explained by Semuel:
1. Tempting Offer
One mode of fraudsters is to offer something unreasonable or bombastic. For example, selling cellphones at prices that are much cheaper than market prices.
“Don’t be fooled by unreasonable offers, the price of a cellphone was Rp. 10 million, it could be Rp. 2 million for me. It’s definitely a scam,” said Semuel at the Check Account First Transaction Later event, quoted Thursday (8/8/2023).
2. Telephone, Chat, or SMS are not clear
Another mode is unclear messages from unknown people. The message can be sent via chat, telephone, or SMS.
Semuel gave an example of the wedding invitation mode. “An example is an invitation, those who send invitations are unknown, those who are married don’t know them. People are curious about just playing with the clicks,” he explained.
3. Social Engineering Fraud
Social engineering (soceng) is also often used for fraudsters to successfully commit fraud. They will find and use the victim’s weaknesses.
“Using social engineering, our weaknesses,” said Semuel.
Types of Soceng Fraud
The Financial Services Authority (OJK) has also revealed the soceng mode. The agency stated that there are four modes related to soceng which are often used. Here’s the summary:
1. Info on Changes in Bank Transfer Rates
Fraudsters disguise themselves as bank employees and they will inform the victim of a change in transfer rates. They were asked to fill out a form link to request personal data such as PIN, OTP and password.
2. Offer to be a Priority Customer
Scammers will also offer priority customer upgrades. Once again, they will ask for the victim’s personal data, such as ATM numbers, PINs, OTPs, CVV/CVC numbers, and passwords.
3. Fake Consumer Service Accounts
In addition, fraudsters will also create fake customer service accounts in the name of a bank. The account will appear when people complain about the bank’s services and offer help resolving complaints by directing them to fake websites or asking to provide personal data.
4. The offer to become a good selling agent
The last mode is an offer to become a behavioral agent without complicated conditions. However, victims will be asked to send a certain amount of money to get an EDC machine.
OJK urges the public not to provide personal data to those who claim to be bank employees. The public is asked to only use genuine applications and contact official bank services or financial services.
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