New types of fraud are also emerging. For example,

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airman of the State Duma Committee on Financial Markets, Chairman of the Board of the Association of Russian Banks (ARB) Anatoly Aksakov, opening the XVII International Conference "Payment Industry - Strategic Development and New Solutions", called the problem of payment security one of the most acute for banks and related industries. According to his assessment, fraudsters quickly adapt the methods and means they use as new countermeasures appear. As Anatoly Aksakov emphasized, being in a position of catching up is a knowingly losing position. He proposed to act proactively, ahead of the curve, identifying possible attack vectors in advance and taking appropriate measures.

ABR President Anatoly latvia whatsapp resource Kozlachkov (pictured) cited data on fraudster activity as of early April 2024: the number of calls from criminals reached 15 million per day, while a year earlier this figure was 8.6 million. According to his assessment, a serious potential threat is the use of artificial intelligence and deepfakes by criminals, which will increase the effectiveness of the schemes they use to influence potential victims. Anatoly Kozlachkov believes that the state and the industry are late in countering it, and there is a need to consolidate the efforts of all parties, including banks, payment systems, telecom operators and law enforcement agencies.
Sberbank analysts have discovered a new scheme by which criminals take out loans from microfinance organizations by taking over the victim's control on the State Services portal. Fraudsters contact victims via video communication in a messenger, and then, under various pretexts, obtain the person's password for entering the personal account of the State Services portal, as well as the access confirmation code from an SMS message.

"Under no circumstances should you provide the access confirmation code from SMS messages or enter your login and password anywhere at the direction of unknown persons. A sure sign of fraud is if unknown persons introduce themselves as law enforcement or bank employees and present IDs or other "confirming" documents via video link. If fraudsters have nevertheless taken over your personal account, try to restore access to it as quickly as possible. The fastest way to do this is through the Sberbank Online mobile application: in the search bar, simply enter the word "Gosuslugi", then select the action: "Registration on Gosuslugi", then confirm the account and restore the password," recommends Deputy Chairman of the Board of Sberbank Stanislav Kuznetsov.

Elena Sheykina, Chairperson of the Board of Directors of NPO Mobile Card LLC (Unified CUPIS), recalled that, according to the Central Bank of Russia, the volume of transactions carried out without the client's consent increased by 14% in 2023. She proposed introducing a so-called cooling-off period for issuing cash loans; this measure will reduce the volume of fraud using borrowed funds, which is the scheme that criminals have been using for the past three years. Anatoly Aksakov called this measure useful and promised to support it at the legislative level.

Elena Sheykina also called raising awareness among the broadest masses of the population a serious task: people simply do not understand that criminal attacks are being committed against them. No less acute, in her opinion, is the problem of involving teenagers and pensioners in at least "gray" or even openly criminal activities: they are used as so-called droppers when withdrawing stolen money. Elena Sheykina also called the significant increase in the activity of illegal online casinos and bookmakers an acute problem.

Alla Bakina, Director of the National Payment System Department of the Bank of Russia, said that the Central Bank is already acting proactively, which is allowed by the current regulatory framework. At the same time, in her opinion, the introduction of smart systems brings results. However, Alla Bakina emphasized that fraudsters do not attack systems, but people, and these attacks are most dangerous, since the victims themselves transfer money to criminals. In her opinion, the task of banks that stand between the client and his money is to force people not to make rash decisions, and in general, measures to counter fraudsters should be aimed at making life as difficult as possible for criminals, which concerns both the ability to make phone calls and withdraw money.