Banks also questionable association with cyber fraudsters

- Check bank account just like SIM card

- Occasional

- Cyber ​​fraudsters transact money in schedule bank accounts

The government has done the right thing by putting a brake on the indiscriminate issuance of SIM cards. A scam of 685 SIM cards issued in the name of a single person was caught some time ago. Many people use two SIM cards, but fraudsters, especially those involved in cyber fraud, carry dozens of SIM cards. Address proof, Aadhaar card, photo etc. are asked while buying a SIM card. Now the SIM card issuers themselves take the customer's photo and send it to the telecom company. Then there is the verification play. Who had 685 SIM cards, what verification would have been done?

The government has canceled fifty two lakh SIM cards. 67,000 dealers have been blacklisted. An FIR has been registered against 300 dealers. The government has woken up very late. If this had been hastened, many people could have been saved from being cheated online and one of the initial weapons of cyber fraudsters would have been in the eyes of the police.

When cyberfraudsters call their targets on mobiles, they transfer money by giving them a schedule bank account. Then suddenly he hangs up and cheats the customer. Surprisingly, instead of trying to catch him from the address in his account number, the police wait for his second call. The implication of writing this is that cyber fraudsters will fear arrest only if banks are also held accountable.

Cyber ​​fraudsters gain the trust of the customer by giving the bank account number, IFC code, bank name etc. when they ask to deposit money online in their bank. Initially, the customer thinks that there is no problem in depositing the money in the schedule bank, because the bank will respond. Many times people suspect that some branches of Schedule Bank open accounts of scammers and turn a blind eye to their activities. Just as online fraudsters have a number of SIM cards, they also have accounts in various banks.

If cyber fraud is to be prevented, banks also need to be held responsible just like SIM cards have been controlled. Those involved in cyber fraud also provide a lot of proofs in the bank opening the account. By checking the records of the bank account documents in which the money has been deposited by the receivers of the customer's money, the correct address and the name of the recommender or nominee of the account opener etc. can be found. As soon as a fraud complaint is received, the cyber police should try to get the account details quickly. A cyber thug leaves proof of his address in a bank account, but the victim of fraud cannot get his money back. In a business center like Indore, there seems to be a setting between cyber police and cyber thugs.

Fraudsters ask to deposit money in various banks. Customers sometimes fall into temptation and deposit money in fraudulent accounts through UPI application. It is surprising when the police cannot trace the culprit even though the entire track of depositing money is address and photo proofed. The government, which said that only SIM card issuers are responsible for fraud, should have cast doubt on the banks where the money was deposited. Fraudsters cheat people by changing the SIM card but the bank account cannot be closed. Even if he closes the bank account, his documents remain with the bank. The government is taking banks lightly in tackling cyber fraud, but the fact is that online fraud is not possible without the connivance of banks. The government needs to fix the liability of banks at the earliest to tackle cyber fraud.