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More than a quarter of Russians are ready to provide card data to strangers

More than a quarter of Russians are ready to provide card data to strangers

A three-digit security code and card expiration date are ready to be provided to outsiders by 27% of Russians. Moreover, any of this information is often used by scammers.

According to RBC, Analysts at the NAFI Center conducted a study trying to figure out how many Russians could be potential victims of scammers. Analysts conducted a survey in July 2020 among 1,6 Russians over 18 years of age living in 136 settlements from 50 regions of the country.

According to the data obtained, it turned out that 31% of Russians have experience in dealing with scammers. With 14% of respondents, attackers talked on the phone using social engineering techniques, another 13% asked for money to be transferred supposedly to relatives, acquaintances, or to arrange a win. Another 8% of respondents said they received emails with malicious links, and 6% received messages about allegedly canceled card transactions that they did not perform. And only 2% of respondents reported that scammers found out their card details in an unknown way.

Most, although they encountered fraudsters, did not suffer financial losses. But 4% still became victims of scams.

According to the study, most often scammers are caught by residents of Moscow and St. Petersburg aged 25 to 34 years (35%). At the same time, 41% of victims occupy senior positions. Older people have become more vigilant - among them 26% of respondents have suffered from the actions of cybercriminals.

At the same time, Russia has a rather low level of financial literacy: only 10% know that even a bank employee can be informed only of the card number, name and surname of the holder.

At the same time, 63% of respondents are not at all ready to transmit any card data by telephone. And 27% can name everything: from the expiration date to the three-digit security code and even the code from the confirmation SMS message. The youngest people under 24 turned out to be the most competent in these matters, but they turned out to be the most gullible. And 72% of people over 60 think that in general no card data can be transmitted.

According to Alexei Komissarov, director of research at the NAFI analytical center, those who are willing to transfer their data or do not know what data can be communicated to a bank employee are at risk. And one of the reasons, the expert believes, is the insufficient educational work of employees issuing bank cards.

According to the Bank of Russia, in 2019, banks returned only 935 million rubles of funds stolen by fraudsters. This is only 15% of the total theft.

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