With the vigorous development of financial technology, the in-depth integration of new technologies such as artificial intelligence, big data, and blockchain with financial services has promoted the transformation of financial technology, and more and more financial institutions have launched online business. However, some criminals induce consumers to click on the link in the text message by impersonating the service information of financial institutions, so that they suffer property losses. In order to thoroughly implement the requirements of financial consumer protection work and strive to promote the quality and efficiency of consumer protection services, Airstar Financial (formerly Xiaomi Finance) issued risk reminders against SMS phishing scams to improve consumers' awareness of safety precautions.
Phishing SMS is a typical mode of telecom fraud, and most of the victims are people who have a weak awareness of risk prevention and are not familiar with mobile banking or online banking login operations. This type of fraud is generally an organized professional scam with the main purpose of stealing sensitive information from a consumer's bank account or stealing funds from the account.
Airstar Financial (formerly Xiaomi Finance) warmly reminds that when receiving an unfamiliar text message, keep the following points in mind:
Take a look at whether the text messages are genuine. Scam text messages impersonating the name of a bank can reduce consumer vigilance. When consumers receive a message signed by the bank, they should pay attention to distinguishing the true from the fake, especially not blindly believe the text message sent by the abnormal number, and can go to the bank's business outlets or consult its official customer service.
Second, see if the links and pages are official channels. The web link provided by the scam SMS may be a phishing link from a fake mobile banking or online banking website, or it may be a virus Trojan horse, which should not be easily clicked and operated. It is recommended that consumers should log in to mobile banking or online banking through formal channels such as the bank's official mobile app or **.
Third, see whether the information requested by the other party is important and sensitive personal information. Consumers' ID numbers, bank card numbers, account passwords, SMS verification codes, payment codes, etc. are all important and sensitive personal information, and it is necessary to be vigilant when a third party asks for or enters the above information.
At present, China has formed a personal information protection legal system based on the Civil Code, with the Personal Information Protection as the core, and the Consumer Rights and Interests Protection Cybersecurity Law, E-Commerce Law, and Data Security Law as important components. With the improvement of the legal system, the first department has cracked down on various illegal acts that infringe on the rights and interests of personal information through strict law enforcement, and has effectively safeguarded the rights and interests of consumers.
Establishing a long-term mechanism for financial education and publicity, raising the public's awareness of financial security, and popularizing financial security knowledge is an effective way for consumers to keep their money bags. Airstar Financial (formerly Xiaomi Finance) continues to strengthen the role of online + offline education and publicity, creates consumer protection classes for different beneficiary groups, and long-term output of education and publicity content that benefits the people, is close to the people, and benefits the people.
In the future, Airstar Financial (formerly Xiaomi Finance) will continue to improve its financial service system and "internalize the consumer protection culture in the heart and externalize it in action" to promote the high-quality development of consumer rights and interests protection.