It is evident from the most recent phishing attacks worldwide that online banking constitutes different risks for which the banks have to take some countermeasures to safeguard their consumers from such kind of internet security threats. The banks also need to be ready to identify the treat and defeat them as well as if there is any such incident that happens in spite of such kind of internet attacks (eg.hacking) the bank should be ready to respond to it immediately by either disruption of banking services, before the hacker can use or materialize that information which the hacker hacked from the online banking user (i.e. Consumer / Banking Customer).
Deceptive phishing has been the recent online banking threat, where a mail is being to sent to your inbox, claiming that its from the bank (which the user holds an account with), and states due to some reason like up gradation or some change you need to sign in to your account using an website, which is being linked to the hacker’s server. Once the user without verifying the security credentials logs in to the account, all the information including the transaction password would be re-directed to the phishing server, and the the hacker uses the information and steals the money from your banking account. For example, recently I received many emails to my inbox claiming to be from Axis Bank but they are not, asking me to upgrade the account. Some time back I got an mail from UTI Bank – Now Axis Bank, regarding the same, which means the phishers are updating all the logos, etc on a regular basis to make us fall in their cage. But we ought to check out the security credentials such as pad lock, the website address in the address bar, if via email, whether it is really from the bank or so on. Also read about the fraudulent email which I received sometime back from UTI Bank – Now Axis Bank, and again I received similar kind of email from Axis bank with the updated name. Here’s the link for you – UTI now Axis Bank Fraudulent Email.
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