Was confirmed: they were hackers who stole up to 400 million for mexican banks using a cyber attack to the Interbank Electronic Payments System (SPEI), and between all the scandal that has caused the issue, it became clear that the banking system of mexico is quite vulnerable.
Delays in your transactions, problems paying your cards, possible delays in your payments –including payroll– and failures in the electronic payment systems are some of the consequences, in addition to the chilling fear that this vulnerability will affect you. That is why our colleagues of Chilango came to Salvador Mejia, managing partner of Asimetrics –consulting firm specializing in risk analysis and prevention of money laundering– for us to give some recommendations to protect our cards and transactions.
Salvador recommends users to stay attentive to their accounts and to people who want to take advantage of the cyberattack on banks to commit fraud. “Users should be calm but vigilant; there are you use common sense, as there could be groups that –taking advantage of the failure– to communicate with people to tell them that their accounts have problems and they need sensitive information, such as card numbers and PIN”.
The recommendations do not stop there. The specialist laundering also makes emphasis on verify e-mails and text messages to reach you, to confirm that it is your bank and do not click on any link suggested, because you can steal information or send you to mirror sites, that is to say, fake websites that resemble those of banks.
“Are common, but to some extent are attempts to “simpletons,” says Salvador Mejia–. There are cases of criminals who pretend to call and pretend to be officials of the bank. You can maintain communication for days, pretend that you transferred from the area and you get the music feature to give you confidence and that you share your information,” he says.
If you detected problems or delays in your electronic transfers, with your credit or debit card or any other transaction, go to the JOINS of your institution or the Condusef
— CONDUSEF (@CondusefMX) May 13, 2018
Recommended not to give details by message, email or via telephone, and, in case of doubt, go directly to the financial institution.
Another good recommendation is to reduce to the minimum payments with a debit card and opt for credit, because when you are doing a fraud in that the money at stake belongs to the bank, you can claim in multiple instances, whereas if firms with your savings you can stay in zeros.
It will also be necessary for the moment –and always– keep you in control of your payments with a credit card or via electronic means, and keep the receipts. If you notice any irregularities, go to the bank and to the Condusef to request clarification.