Banks proposed sharing liability for damage from Frod
Bankers offer to share responsibility for the theft of money by telephone scammers with communication operators: if the bank was warned about a suspicious issue and transferred, he returns the funds, and if he did not receive this information, then the telecom operator. They believe that it is necessary to start trying this system with the largest players in the communication market and credit organizations. Experts believe that otherwise for small banks this can become both a technological and financial problem.
As it became known to Kommersant, the Banking Community, together with the National Council of the Financial Market (NSFR), sent a letter to the Ministry of Councils with its proposals regarding the improvement of the interaction of credit organizations with communication operators to combat fraud. Bankers believe that operators should identify phone calls and messages from scammers and send information to banks, and the criteria by which they will be determined will be developed. At the same time, in case of fraud, if the bank transferred the money to a suspicious number that the telecom operator transferred to him, the credit institution returns funds to the client, and if the operator did not report suspicious calls and did not block the number, he returns the stolen already. Bankers also insist that at the first stage, this interaction system should start working between the largest communication operators and systematically significant credit organizations (SZKO). The NSFR sent these proposals to the mincifers.
As the head of the NSFR, Andrei Emelin, explained to Kommersant, in the situation with the interaction of banks and communication operators, in fact, a well -being expressed in the regard to the contractual relations for the exchange of information regarding the calls related to fraud. “In our opinion, it is practically unrealistic to base the system on contracts that all banks with all banks with all communication operators are,” he continues. “First, we propose to launch this system on the large four operators and SZKO, and only after we test it, we will evaluate the real technical parameters of functioning and the costs of its scaling, it will be possible to proceed to the integration of this functionality into the state information system of the antiphrod created by the Ministry of Construction and already through it to build the information exchange of all with all,” added Mr. Emelin, noting that noting that noting that noting that noting that noting that noting that noting So far, the base system is at an early stage of development.
Communications operators are not ready to share financial responsibility with banks. “We welcome such initiatives in terms of consolidating the market efforts to counteract fraud and data exchange,” the T2 press service noted. “All existing detection mechanisms are probabilistic, and so far there are no guaranteed ways to determine the challenge as fraudulent. Moreover, taking into account the errors of the work of analytical models, there is a risk of underdevelopment of useful calls to the client, which is a non -fulfillment of the direct duty of the telecom operator. ” At the same time, the operator should not bear financial liability for the actions of users of communication services and third parties, are sure there. “We do not agree with the approach reflected in the bill. The telecom operator, unlike the bank, cannot control the money transfer of citizens and does not make a profit from the funds placed in bank accounts, the MegaFon press service noted. “In our opinion, responsibility for the operator is possible only when specific measures provided for by law are not completed”.
The Kommersant’s mincifers reported that they received a letter from the NSFR and at the moment form their position, so to talk about any details for the same time. At the same time, the department noted that within the framework of the law on combating cyber abundance, a special platform will be created for the interaction of state bodies, operators and banks, which will help to more effectively prevent and stop telephone and online abomination.
Experts note that no technological method of combating fraud can 100% protect against scammers, but the effective interaction of banks and telecom operators could significantly reduce the amount of theft. The head of the Association of Participants in the Electronic Money and Cash Translation Market, Viktor Prostostov believes that in order to identify fraudulent calls, can be attracted both formal methods (the specified sender does not coincide with the actual, the use of keywords, and so on), and artificial intelligence algorithms. “Of course, this will entail certain costs, but rather reasonable and justified by the results. For large banks, these are quite small numbers in the budgets, for small ones it can become a problem, ”he says. In turn, the chairman of the Security Commission on the financial market of the RF CCI Timur Aitov draws attention that we can come up with different criteria for identifying scammers, but according to the law, only the court can call someone a fraudster, this should be borne from this: no one should be considered a fraudster in advance.
