Chinyengo cha ma kirediti kadi

Chinyengo ndi mavuto amakadi

M'zaka zingapo zapitazi, Chinyengo cha ma kirediti kadi Awonjezeka m'malo ambiri padziko lapansi, ngakhale mabungwe azichita zonse zotheka kuyesa kukonza chitetezo cha makasitomala awo, zachinyengo zoposa 5.000 patsiku, zomwe zadetsa nkhawa zikwi za ogwiritsa ntchito padziko lonse lapansi.

Kutayika kwa ogwiritsa ntchito chifukwa chinyengo cha kirediti kadi, afikira ma euro opitilira 15 miliyoni. Zambiri kuchokera mchaka chino zawonetsa kale zomwe ndi mfundo zazikulu zomwe chinyengo chamakhadi chimachitika, ambiri aiwo ali m'malo ogula pa intaneti omwe akhala ndi madandaulo opitilira 780 mu 2014.

2% yachinyengo idachitika kuma ATM ndipo 31% yotsalayo idanenedwa kudzera mu kuba kadi kadi, popeza khadiyo sinaperekedwe mwakuthupi. Izi nthawi zambiri ndimabanki kapena mafoni.

M'zaka zitatu zapitazi, milandu yambiri yakhala ikupezeka, zomwe zikusonyeza kuti kuba kotereku kudakwera ndi 104%.

El ndalama zomwe zanenedwa ndi Chinyengo ndi ma kirediti kadi, ndikofanana ndi ma euro opitilira 20 miliyoni omwe kutayika kwamakhadi a 15 miliyoni kumawerengedwa kuti ndi koyenera.

PHISHING Chenjerani

Chinyengo choterechi chawonjezeka. Zimakhazikitsidwa pachinyengo chomwe ogwiritsa ntchito ali nacho maakaunti Makalata owonjezera owerengera kubanki omwe amagwiritsidwa ntchito pazachinyengo zomwe sizigwirizana ndi khadi koma zimapangidwa kudzera pazidziwitso zaumwini.

Tikamakambirana za izi mtundu wa zochitika umatchedwa phishing, ndipamene zambiri zathu zimabedwa ndi zithunzi zamabungwe azachuma kenako mtundu wina wachinyengo umachitidwa ndi zomwezo.

Zachinyengo zomwe zawonedwa kwambiri zili ndi ma logo a BBVA kapena zithunzi ndi maimelo momwe munthu amafunsidwa zambiri zaku banki kuti athe kusamutsa zomwe zasungidwa.

ZOOPSA MU NTHAWI YA PAKATI

Malinga ndi akatswiri azachitetezo cha pa intaneti, Popita nthawi, anthu omwe amachita zachinyengo za ma kirediti kadi kudzera munjira iyi kwa ena sangoyambitsa mapulogalamu atsopano pazolinga izi komanso adzakhala ndi njira zatsopano zosemphana ndi chidziwitso cha anthu omwe amagwiritsa ntchito makadi.

Sikuti adzagwiritsa ntchito makhadi awo okuba ndalama za anthu ena, komanso mutha kugwiritsa ntchito mapulogalamu amitundu yonse pazida zamagetsi.

Momwe chinyengo cha kirediti kadi chimafufuzidwa

Munthu woyamba amene ayenera kufufuza khadi lanu ndikuganizira zonse zomwe zikudutsa ndi inu. Akatswiri amalangiza kuti muyenera kudziwa zonse mayendedwe omwe amapangidwa pa khadi yanu Ngongole kuti muzindikire zochitika zilizonse zomwe sizingatheke kuyambira mphindi yoyamba. Mabungwe onse ali ndi Hotline ya maola 24 kotero mutha kulumikizana nthawi iliyonse mukawona china chake chachilendo chikuchitika ndi maakaunti anu. Kuthamanga komwe mumachita ndikofunikira, popeza akatswiri amati kuwona kusintha kwa khadi yanu munthawi yake kumatha kukupatsani mantha osachepera ma 50 euros kapena ochepera.

Kuthamanga ndichinthu chomwe muyenera kukumbukira nthawi zonse mukazindikira kuti china chake chikuchitika ndi kirediti kadi yanu kuti mutha kuyika malire kwa zigawenga podula nthawi yomweyo.

Kumene kumakhala kofala kwambiri

Ma kirediti kadi

Malinga ndi akatswiri a zachinyengo pa intaneti yakhala yowonjezeka kuwirikiza kawiri m'zaka zaposachedwa. Izi tmtundu wa kugula umatchedwa CNP ndipo zomwe zachitika ndikugwiritsa ntchito nambala ya kirediti kadi kuti athe kupanga zochitika zazikulu kumaakaunti ena. Chifukwa akatswiri amadziwa izi, zinthu zambiri zimapangitsa kuti zitheke kuwona ngati khadiyo imachita mayendedwe achilendo ndipo amadziwika ngati mayendedwe achilendo pochenjeza mwini khadiyo. China chomwe chimayesedwa m'magulu ambiri kuti chizindikire zachinyengo ndi momwe amagulira pamtengo, popeza munthu atagula nthawi yomweyo ndipo mwadzidzidzi amalipira ndalama zambiri, kasitomala amadziwitsidwanso.

Mwambiri, khadiyo yatsekedwa mwachindunji ndipo munthuyo amachenjezedwa za zomwe zikuchitika.

Kutsata Njira Zobera Kirediti Kadi

Aliyense wodzipereka kutsatira izi milandu yapaintaneti, ili ndi zonse zomwe mukufuna kuti muzitsatira bwino zamagetsi.

Nthawi zambiri, kuba kadi zimachitika koma palibe mtundu uliwonse wosunthira ndi mtundu uwu wa akaunti, zomwe zikutanthauza kuti ofufuza sangathe kuwona yemwe kapena komwe akugwiritsidwa ntchito, komabe, mwina ndiye kuti khadi silikugwiritsidwa ntchito kugula pa intaneti koma Mutha kugwiritsa ntchito dzinalo ndi zomwe mumalemba polipira pang'onopang'ono kapena kungonena dzina la munthuyo.

Apolisi amathanso kuletsa izi mtundu wachinyengo ndi ma kirediti kadi kuti mutsimikizire kuti palibe amene angachite zachinyengo za makhadi angongole ndi khadi lililonse

Ili kuti iyi

Ngakhale zitha kuwoneka kuti ku Europe kuli ochuluka achinyengo Ndi ma kirediti kadi, komabe, ziwerengero zimatiuza kuti dziko lomwe limapezeka kwambiri ndi United States, momwe ndalama zoposa 5000 miliyoni zimatayika chifukwa chachinyengo chaka chilichonse chifukwa chachinyengo cha ma kirediti kadi.

Ku Europe, anthu akumadera monga United Kingdom ndi France ndi omwe ali pachiwopsezo ku Europe, popeza chaka chatha ndalama zopitilira 715 miliyoni zidatayika mderali, zomwe zimapangitsa kuti chinyengo choposa 62% chizikike ku Europe konse.

Zomwe zimakhudza Spain, ili ndi dziko lachisanu lomwe lili pachiwopsezo chachikulu chaka chilichonse amataya ndalama zoposa ma 123 miliyoni a euro, komabe, pomaliza pake zakhala zikupezeka mdziko lachiwirili.

Katswiri wokhudzana ndi ngongole wanena kuti vuto lalikulu ku Spain ndi Kuukira kwa kirediti kadi kudzera muma POS. Kuyambira chaka chatha, kuchepa kwa Chinyengo cha Ma Card Card kwatsika ndi 4,5%.

Malo a POS ku Spain

ma kirediti kadi

Ndi mwayi waukulu kuti kusatetezeka kotereku kumabweretsa pankhani yamafoni, zigawenga zambiri zimangoyang'ana kumapeto amaba ma kirediti kadi kapena mtundu wina uliwonse wazidziwitso. Pogwiritsa ntchito njirayi zomwe amachita powerenga malo onse olipirira makhadi kuti asunge nambala ndi achinsinsi omwewo.

Kumbali inayi, akatswiri akunena kuti njira zonse zolipirira zomwe zimakhudzana ndi ma kirediti kadi zomwe zimakhazikitsidwa tchipisi ndiosafunikira kwenikweni poyerekeza ndi zomwe zimagwiritsidwa ntchito pachikhalidwe momwe kuchuluka kwa makhadi omwe angagwiritsidwe ntchito.

Ponena za ma kirediti kadi aku Europe, muli ndi machitidwe apamwamba kwambiri pazomwe amatanthauza chip ndi pini komanso chifukwa cholandilidwa bwino komwe kumaperekedwa m'makhadi awa poyang'anizana ndi ziwopsezo zochepa. Ayamba kale kugwiritsidwa ntchito m'malo ambiri ku US.

Tsiku lililonse nkhawa kwambiri

Zikafika pokhudzana ndi chinyengo cha ma kirediti kadi, onse aku Spain ndi azungu akuda nkhawa kwambiri ndi chilichonse chomwe chikuchitika ndi chinyengo cha ma kirediti kadi. Chifukwa chachikulu ndichakuti msika wakuda wamakhadi obedwa sichisiya kukula tsiku lililonse ndikupangitsa ndalama kupitilirabe. Mabanki akulonjeza njira zatsopano motsutsana ndi chilichonse chomwe chikutanthauza chitetezo chamakhadi, koma kwa mabungwe ambiri ndizovuta kupereka njira zatsopano, makamaka m'maiko ngati US komwe, kutali ndi zomwe mungaganize, njira zolipira zatha ntchito. Nthawi zonse gwiritsani ntchito chip

Akatswiri akuti njira yotsimikizika kwambiri yodziwira ngati khadi yakopedwa kapena yabedwa ndikugwiritsa ntchito makhadi okhala ndi pini. Nthawi zambiri, makhadi amtunduwu amatha kuuza banki mumphindi zochepa ngati ili khadi lomwe labedwa kapena kutsatidwa ndikuliletsa mumasekondi ochepa.

Akatswiri amalankhula za ubale pakati pa chinyengo chochepa ndi makhadi a kirediti omwe adachitika ku Spain poyerekeza ndi mayiko ena aku Europe ndi kugwiritsa ntchito chip m'makhadi.


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  1.   Taylor anati

    Nkhani yabwino kwambiri. Chowonadi ndichakuti tsiku lililonse muyenera kusamala ndi chitetezo m'malo onse. Muyeneranso kusamala ndi zolipira zatsopano za NFC, kaya pafoni kapena ndi khadi. Tekinoloje imeneyi sinatetezeke ndipo itha kukhala nkhani yolandila zidziwitso (sizinalembedwe) ndi wowerenga wapafupi, ngakhale wogwiritsa ntchito sanazichotse mchikwama chake.