Forms of crime and financial fraud always change along with technological developments, if in the past we often hear, fraud at ATMs, scam SMS continuously asking for credit, fraudulent SMS lured to get prizes then fraud then email scam and many others.

The victims are psychologically manipulated into following the cheater's wishes and end up losing money

In recent years, financial crimes have become increasingly prevalent in the digital world, especially in attempts to crack email passwords for e-commerce accounts and also online wallet services.

In this article, I want to tell you about some digital financial fraud scenarios that have been very unsettling and have claimed many lives, hopefully this article can be useful and prevent more victims in the future.

1. Fraud mode: fake merchant or shop

We start from the first scam, namely the fraudulent trader mode, the fraudulent merchant mode there are many kinds and often take the market for trending goods.

For example, at the start of the pandemic, there were lots of fake traders selling masks and cheap medical devices, now that mode is increasingly targeting gamers, con artists usually pretend to be traders or sellers of vouchers or game items, such as skins and diamonds which are very cheap below market prices. , often the victim does not check the seller's account further and pays immediately.

After receiving money from a fraud victim, it will just disappear and block the victim's number and social media accounts, make sure you are gamers, you always buy game items directly from the application.

Isn't that really bad? Initially you want to get goods below standard prices, instead the money is forfeited and taken away by fraudsters.

2. Deception mode with fear

We move on to the second fraud which is the scare mode, now the fraud mode uses psychological pressure to trap the victim, the fraudsters fabricate the situation to make the victim panic and take the action the fraudster wants.

One of the popular modes is telephone fraud by manipulating an emergency situation, usually a scammer confesses to the hospital and says if a family has an accident and must immediately take emergency action, so that emergency action can be taken immediately, the fraudster will ask. potential victims make money transfers to a specific account address.

Although of course, the situation is just a fabrication designed to trap a panicked family member and end up transferring some money to the scammer.

3. Prize-winning mode is online wallet balance

We proceed to the third one, namely the winning prize mode in the form of an online wallet balance, now if a fraudster uses psychic tricks to scare the victim, this time the scammer uses a psychological trap to make the victim feel very happy because he has got a fortune from the draw ensured by a prize in the form of a wallet balance on line.

Initially, the victim will first receive an SMS from a certain online Wallet number containing the OTP code, a few seconds later the perpetrator calls the victim and confesses from the online Wallet while congratulating him as the winner of the lottery or getting an online wallet balance prize. .

Well, because a few seconds before the victim received an SMS from the official online wallet number, psychologically the victim thought that the caller was really from an official online wallet, even though the perpetrator actually entered the online wallet application using the victim's cellphone. amount. So the OTP code sms will enter the victim's cellphone after that, then the scammer will immediately call the victim and congratulate me because I got the balance of the prize from the online wallet.

After congratulating him, the perpetrator further convinced the victim by saying that there was a new SMS from the online wallet containing the winner's pin number and finally asked for a code as verification of the winner, after the OTP code was obtained the perpetrator could enter the online wallet account and drain the victim's balance.

4. Online wallet account fraud mode encountered a technical error

We enter the fourth scam, which is the online wallet account mode which is experiencing technical problems.

Well, the fraud mode is to lead the victim to make transactions outside the official application, usually this is done when the potential victim is using the food delivery application service.

So this potential victim suddenly gets a call, from a fraudster who claims to be a driver and the story is fierce, if the cashier system experiences technical problems, the fraudster keeps asking for it to be transferred to a certain account or digital wallet, sometimes he also asks for the victim's OTP code, with the reason so that the food can be processed.

Even though of course all of that is just a story made up by con artists to trick their victims.

5. Fraud mode disguises itself as fake social media accounts

And the last one is a fraudulent mode under the guise of fake social media accounts, lots of fake social media accounts on behalf of well-known companies.

For example, such as certain banks, including online wallets. Original online wallet accounts or official social media accounts of other companies must have verification marks, it should be noted that social media accounts for service products are the target of customer complaints.

Now the habit of these users is exploited by scammers who create fake social media accounts by knowing the link to the customer complaint report form, many victims who experience problems are usually told to fill out the form without further checking, apparently without realizing the user. filled out his personal data on that form and ended up being the target of an online fraud crime.

Because in filling it very often asked for cellphone number, date of birth, identity number, photo, etc. So don't forget before you send a complaint, write down your cellphone number, etc. Make sure the verified account that has been checked in the account.

Well, there are also fake social media accounts, different telegram modes, the fraudulent mode on telegram usually promises a free online wallet balance, so the victim will be directed there, to spread as many bot referral links as possible.

They are lured to even get an online wallet balance transfer every time someone clicks on the link, it turns out that the victim first needs to transfer some money to the bot owner which is claimed as a fee or tax to withdraw the free online wallet balance.

The perpetrator also sent a picture of proof that he had transferred a free online compend balance, even though the image was of course only fabrication, indeed this fraud usually only requires a small payment but is their cunning tactic so that more victims don't think too much about the transfer. some money for con artists. So Be Careful.