Today’s innovators and their methods

Nowadays, the number of scammers, fraudsters, thieves, robbers, and cheaters has increased rapidly in the country and new methods of their operations are emerging, which seems to have become our national livelihood as a nation.

All financial institutions, including banks, repeatedly send messages to their customers that they should not call or contact their contact numbers themselves and, secondly, that sharing their confidential information with a stranger and unrelated person would be tantamount to digging a hole in their account and shooting themselves in the foot.

Before we come to the methods of these thieves and cheaters, let us first take a look at the definition of fraud. “Fraud is a deliberate misrepresentation so that a person obtains an unfair or illegal advantage or deprives the rightful/victim of a legal right.”

innovators and their methods

Now that we have defined fraud, let us now come to their methods of operation. First of all, you should understand that they have very limited information about you, and through this information, they want to play with your psychology and get information from you about their meaning and need so that the transaction can be carried out.

If they pretend that they are calling you on behalf of your respective bank or financial institution, they will first tell you your identity card number (which is not difficult to obtain these days), then they will tell you your residential address, which is also listed on your identity card. After that, they will tell you your mobile number, on which they are already talking to you.

Now if you are impressed with the information they have given, then they ask you to tell them the last eight digits of your ATM card (they have the first eight digits, which they tell you on the call). They ask for your account PIN, or if you have an OTP on your phone, they ask for it so that they can deprive you of your own money. The information that they cannot get from anywhere else but you is the name of your mother, which you should never tell a stranger on the phone. Just as in the old stories, the life of the magician was in the parrot; your financial well-being and safety lie in this information, and as soon as you share this information with someone, you are now at their mercy. Now they can rob you of your own money whenever they want. So be very careful and do not share this information with anyone.

Another important thing: usually this call will come at a very inconvenient time. In the morning when you are getting ready for your office. In the afternoon during your rest, in other words, a time when you are either busy or not mentally fully awake.

Now how to avoid it? First of all, if you look carefully at their phone number, you will find that this call did not come from your financial institution. Although the number will be similar, it will not be the real number. Even if you have received a message on WhatsApp, do not worry; look carefully at the message; you will also see the difference. The message that the State Bank has frozen your ATM card is 100% false.

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Another fraud that is happening a lot these days is that a call will come from an unknown number and a person will introduce himself as a police inspector. He will politely tell you that he has caught your son, nephew, or niece in some crime by naming it. The crime will usually be serious, and after a little conversation, he will ask you to tell him the name so that I can talk to him. This is where you have to catch him and not tell his name, but if you ask him his police station, his concerned DSP, and SP, he will turn off the phone and run away. If someone asks you to stay on the line, then understand that he is talking to someone else in your house and does not want you and that person in your house to have contact. You should immediately cut the call and contact your house to inform them about your well-being and do not keep your phone busy so that whoever wants to contact you can contact you.

By the way, there are innumerable methods of these fraudsters and scammers, some of which have been covered in this article. One last thing on which this article will end is that all these thieves play with your senses. You have to control your senses, and the best way to control your senses is to distract him by asking him questions in a hurry. You will see for yourself that after two or three questions, your senses will start to recover and your senses will start to leave because his limited knowledge does not have the answers to your questions. Like the dialogue in a movie that says, “Tension is not about taking it, but giving it.”