Banking insists: if they ask you for confidential information, it is an attempt at fraud

If through a phone call, a text message (SMS) or email, users are asked confidential information such as the Personal Identification Number (PIN), security code or dynamic key, clearly it is an attempt to fraud, underlines the Association of Banks of Mexico (ABM).

Juan Carlos Jiménez, general director of the organization, emphasizes that at that moment you should hang up (or not respond to messages) and better communicate directly with the Bank of which you are a client to clarify any matter.

In an interview, he explains that since 2020 a growing trend began to be seen in the number of complaints for attempted fraud Through three main channels: phone calls in which they impersonate the bank (vishing); text messages in which, for example, you report a prize or offer (smishing); and emails that include a link through which the fraud (phishing).

Although it specifies that the number of complaints for attempted fraud of this type has decreased 9% in the last eight months, the objective is that no client happens, and with it they can lose their assets.

He even comments that there is another mode in which criminals mask the phone number so that, in the caller ID, it appears as the original of the Bank.

“How do you know whether or not it is the bank (the one that is communicating)? the key is: you have to hang up, ignore the message, type the numbers of the phone you want to call or enter their page, and fix the doubt you have, but never give that information, for any reason, “he points out.

It stands out that the moment digital banking is enabled, a card is received, an account is opened and the bank delivers the PIN, it will never again ask for that type of confidential information either by phone, by mail or by SMS.

In this sense, the director of the ABM comments that since November 2020 an orientation campaign has been carried out to alert users that “a call from the bank may not be from the bank”, which will intensify at the close of this year and even at the beginning of the next.

Use the apps

In addition to this, Juan Carlos Jiménez comments that the Bank In general, it makes annual investments of 20,000 million pesos in technology issues to reinforce the security of transactions through digital channels.

“We are going to continue to invest heavily in technology so that customers are sure that the information they entrust to us is secure; and we are also going to give them innovative, easy-to-use technology tools. Banking apps, for example, now allow you to turn your cards on and off; generate digital cards; generate one-time codes, receive alerts; review your account statements, “he says.

He adds: “what we want is for people, in addition to being attentive and not handing out the information, because they know how to use their applications, they know how to use technology, because we are investing nearly 20,000 million pesos each year in strengthening security schemes of the information; in having these applications, and in communication campaigns ”.

We don’t want there to be a single case of fraud

The director of the ABM mentions that although the complaints for alleged fraud They have dropped in recent months, and so far in 2021 there have been 146,000 registered – which is a small proportion compared to the 2,250 million digital transactions that have been carried out in the period – the idea is that there is not a single one.

“They are tragedies for those people; your money is being stolen; We don’t want it to happen to anyone ”, he emphasizes.


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