VTB clients will be able to prohibit the issuance of loans via the Internet , said Anatoly Pechatnikov, deputy board of the bank (the company's press release is at the disposal of Lenta.ru). This way, clients can better protect themselves from fraudsters who use social engineering methods to obtain borrowed funds.
Thanks to the new method of protecting clients, a fraudster will not be able to obtain a loan, even if he provides all the information about the borrower and does not know the reason for the refusal. told Pechatnikov. But the bank will understand at an early stage that an attacker is submitting an application.
According to a bank representative, when a fraudulent loan is issued, the “most difficult” consequences for the borrower and the bank come. The former is often unable to repay the debt, while the latter cannot afford the growth of overdue debt. The introduction of smart scoring technology will help protect customers from fraudsters, which will determine at an early stage whether the customer is acting independently or under hypnosis, Pechatnikov said.
In March, the central bank proposed requiring banks to allow customers to restrict remote access to their accounts to make it harder for fraudsters to influence customers. In December, the first deputy head of the information security department of the Bank of Russia, Artem Sychev, said that the Central Bank had sent the necessary regulatory act for approval with the FSB. He found it difficult to name a timeline for the introduction of this feature.
Denis Kalemberg, General Director of SafeTech Remote Banking Protection Company, told RBC that only clients with a high level of financial literacy will use the opportunity to block the issuance of loans via the Internet. He suggested that banks would not conduct a massive public awareness campaign for this opportunity, as it would be in their best interest to promote easy disbursement of loans without visiting the office. “Therefore, promoting this story is a shot in the foot,” Kalemberg noted.
Alexei Kramarsky, Head of Credit Risks for the Retail Segment of Raiffeisenbank, called the ban on online lending “too tough and inconvenient measure” for the client. He cited as an example a situation when a client forbade the issuance of loans in his own name, but then changed his mind and decided to take funds, but now he needs to go to the bank to cancel his decision.
In the third quarter, scammers stole from bank clients through unauthorized money transfers 3.2 billion rubles – 18.5 percent more than a year ago, the Central Bank said. The statistics did not include the now popular method, when loans are issued under the influence of fraudsters.