Our bankers encourage swindlers, and sharpers play on - large

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Without wishing to be spent for more advanced "plastic", financiers endanger the clients of card swindlers.

Having been tired of constant complaints of the bank clients who have undergone attack of card swindlers, the National Bank urged wards to accelerate transition to chip cards. According to department, last year the number of roguish operations with plastic cards decreased twice, however the sum which to swindlers managed to be taken away from accounts, increased for 3% - to 1,235 million UAH

In NBU note that over 97,7% of losses of banks are connected with use of payment cards of the international payment systems (VISA and MasterCard), and only 2,3% are cards of intra bank payment systems. In other words, banks incur losses from fraud generally on operations with payment cards with magnetic strips. Nevertheless, despite regulator appeals, bankers don't hurry to master new technologies. By their calculations, release the chip - cards manages too expensive and will help to finish fraud hardly.

Main ways of fraud

By the size of losses superiority holds such type of fraud, as a skiming (copying of data from a magnetic strip of the real card. - Editions), and on the frequency of emergence the most widespread remain operations on cash withdrawal on the lost or stolen payment cards. Thus financiers habitually expostulate on negligence of citizens. Those often store maps together with a pin - envelopes or write down a pin - a code on the card, than involuntarily facilitate a task of swindlers.

The increasing turns gathers such type of fraud, as a phishing (the Internet - fraud). To get information on the card at inhabitants, malefactors go on various shifts. For example, publish on the websites information that their visitors win a large monetary prize or offer the favorable work promising fabulous earnings. Quite often swindlers work under a look the Internet - dealers. They receive data on cards of the clients coming to them into "shop", and then use them for calculations on the Internet. "One more method of a phishing - call-downs. Criminals call the person and, having presented by the staff of bank, ask to provide data on the card of the client.As motive for such request failure in base or credit debt which allegedly is registered for the person can serve. That, having become puzzled, reports all data necessary for swindlers", - Evgeny Skorin tells. One of the most juicy scandals connected with a phishing, burst only several months ago and was connected with one of the largest payment systems in Ukraine Portmone.com. Malefactors under different pretexts got at users of data on payment cards then devastated their accounts.


According to the estimates of financiers, most cards of an elite class are subject to attacks of malefactors. "By number of roguish operations VISA Gold (46%) and VISA Electron (50%) are in the lead. As for the gone sums, about 57%, VISA Electron are the share of VISA GOLD - 30%", - the head of department of development and development of card products of VAB Bank Elena Soboleva - Tereshchenko tells. Today a smart - cards make only about 5% of the total amount of issue of plastic cards.

The number of the emitted cards already exceeded today 44 million pieces, thus chip cards only 2,5 million pieces" are let out, - reported in interview "k: " executive director of NBU concerning payment systems Victor Kravets. The reason of such sluggishness in department explain greed of financiers. "Transition to chips demands heavy expenses. Today's losses from fraud for banks - a trifle, the insignificant sums in comparison with the size of their income. Therefore banks prefer "swallow" silently small losses, than to be got involved in large expenditure", - Kravets states.

Financiers don't deny that "card" hi - flew really many expenses demand. "The main problem which banks face, is "a monetary question". So, prime cost of the chip card in four - five times is higher, than cards with a magnetic strip. But to banks it is necessary not only to buy plastic with the chip, but also to carry out a number of the actions connected with carrying out certification in the international payment systems, modernization of the software and terminals, etc. that will demand considerable material inputs", - the head of department of payment cards of the First Investment bank Sergey Tregubov complains.

Besides bankers consider that the measures which have been already undertaken by them, yield quite good result. "We introduced the round-the-clock monitoring of plastic cards.There is a continuous processing of reports of the processing center, data on number of operations in a day, to the removed sums, the Internet - to transaction, etc. are analyzed. In case of suspicion on fraud we or dial to the client, or we block his card", - the specialist of department of issue, monitoring and control of operations with payment cards of Management of technologies of payment cards of JSC Rodovid Bank Artem Naboroznyak tells.

Trying to minimize losses from roguish operations, banks enter authorization limits by quantity and the sums of operations on payment cards and connect clients to SMS system of messages. The client receives the notice at once as soon as money left from the account. And if transaction was illegal, he can report about it to bank or is independent block the card. To catch swindlers on hot, financiers also equip ATMs with additional surveillance cameras. Nevertheless they don't manage to reduce fraud volumes to zero yet.

"On the average, card swindlers "take away" from 0,06% of a turnover of cards a year", - Sergey Tregubov tells. Some bankers consider that this indicator is much higher - about 0,5%. But also it already progress. Three more - four years ago experts estimated losses from fraud at 1% of a turnover of cards. Financiers connect growth of the sums of losses with growing welfare of citizens. The remains on accounts of Ukrainians continuously grow. So, getting access to card accounts, malefactors can hit a considerable jackpot.


Bankers recognize that transition to a smart - cards could become rather effective measure in fight against "card sharpers". "It is connected first of all with high protection of chip cards against a fake, breaking and unauthorized access to information (and, respectively, from roguish operations. Level of roguish transaction with chip cards 10 times less a similar indicator for cards with a magnetic strip. Figures testify to it also: about 97-98% of fraud are made with payment cards with a magnetic strip", - Tregubov speaks.

Nevertheless financiers at all don't consider that chip cards can become panacea.

In - the first, besides increase in issue a smart - cards banks need to adjust infrastructure. And it is a question not the near future. "Chip cards considerably reduce number of roguish operations, but only in cases when both at dealers, and in ATMs the chip technology is used.At the same time in Ukraine the majority of POS-of terminals yet doesn't remove information from the chip. We will receive result on fraud reduction only when all system will pass to chip technology. It can occur only years through five", - Marek Govorka, the adviser to the chairman of the board of directors for business development the Bank Delta believes.

In - the second, a smart - cards not in forces to consult about the Internet - swindlers. And therefore, according to forecasts of experts, the leader on rates of illegal transactions there will be a fraud in a network. "At increase in volume of operations losses from fraud with payment cards will grow in the Internet. After all for the Internet - calculations aren't present the difference, what card you pay off - chip or magnetic", - Elena Soboleva - Tereshchenko claims.

"The chip card protects from such types of fraud, as theft of data from a magnetic strip and creation of fakes (so-called white "plastic"). But such cards (if according to them operations on the Internet are allowed), it is better nothing usual", - the chief economist of department of retail card and poor credit products of Ukrgazbank Evgeny Skorina states.


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