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Photo: Reuters / Scanpix / LETA
Recently, the number of fraud cases when non-bank loans have been fully abolished has declined, said Gints Āboltiņš, head of the Latvian Alternative Financial Services Association.
"If we look at the non-bank lending sector, these fraud cases are no longer being distributed." The total number of clients and transactions is only isolated cases. "Sectoral enterprises have made significant investments to reduce the risk of fraud. 100 per month, but with the introduction of statistical badysis and manual testing, the number of attempts has fallen to about eight per month Aboltine said
., Are very different, for example, how fast a potential customer enters a personal code or is not mistaken in writing it. It also looks at what is the # 39; mobile operator, whether it's a prepaid card or a stand-alone connection. Aboltnch pointed out that non-bank lenders have accumulated many statistics about email addresses used by fraudsters to check if they really exist.The IP address used by the customer when filling in the application form is also badyzed.
"A wide range of features allows you to" identify where additional tests are needed to avoid a fraudulent transaction. The sectoral companies are already working and predict that the customer's voice will also be introduced in the coming years. The Association of Alternative Financial Services of Latvia has already set up a number of education campaigns for people, urging people to pay more attention to the security of personal data, "he said. explained
Anonymous court judgments publicly available show that the most common cases of fraud were common between 2013 and 2015. In most cases, all fraudsters were operating under a similar system – they had access to third-party Internet banking and personal data fraudulently, which was sufficient to allow fraudsters to apply for non-bank loans to multiple service providers, in cases where the loan was granted. borrower seized money and used it for his own purposes.
In one case, fraudsters keep in touch with someone who has po sté an ad to look for a loan of 500 euros. The fraudster was introduced as a lending agent and offered to issue this loan, but the victim had to open a new account at the bank and allow the fraudster to have access to it. This need has been explained by the fact that the victim's credit history is examined in this way. When the information on a person's bank account was obtained, the fraudster gave it to his freelancer. This contributor, using the Internet, solicited a number of non-bank loans, thus scolding the victim.
In this case, given that the offender was already detained, he was sentenced to one year in prison, but most often or forced labor, are attested by judgments.
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