Mumakore mashoma apfuura, Kiredhiti kadhi rechikwereti Vakawedzera munzvimbo zhinji dzepasirese, kunyangwe masangano akaita zvese zvinobvira kuyedza kugadzirisa kuchengetedzeka kwevatengi vavo, vanodarika zviuru zvishanu kubiridzira pazuva, izvo zvave kunetsa zviuru zvevashandisi pasirese.
Kurasikirwa kwevashandisi nekuda kwekunyepedzera kwekadhi rechikwereti, ivo vasvika anopfuura mamirioni gumi nemashanu euros. Dhata kubva gore rino rakatoratidza kuti ndedzipi pfungwa huru umo kubiridzira kwemakadhi kunoitika, mazhinji acho ari munzvimbo dzekutenga paInternet idzo dzave nezvichemo zvinopfuura zviuru mazana manomwe nemakumi masere muna15.
2% yehunyengeri yakaitika kumaATM uye 31% yakasara yakataurwa kuburikidza ne kuba kwemashoko emakadhi, sezvo kadhi racho rakanga risati rasvika. Izvi zvinowanzo kuve kubhengi kana kufona.
Mumakore matatu apfuura, huwandu hwakawanda hwematsotsi hwakawanikwa, izvo zvinoratidza kuti rudzi urwu rwembavha rwakawedzera ne104%.
El bhalansi yakataurwa neChitsotsi nemakadhi echikwereti, zvakaenzana nemamirioni anopfuura makumi maviri emamiriyoni ayo kurasikirwa pamakadhi emamirioni gumi nemashanu kwaionekwa sekushanda.
PHISHING ALERT
Rudzi urwu rwekubiridzira rwakawedzera. Izvo zvinoenderana nehutsotsi mune vashandisi vane maakaunzi e apocryphal bank mail ayo anoshandiswa kubiridzira umo iwe usina chero rudzi rwekubata panyama nekadhi asi unoitwa kuburikidza neruzivo rwemunhu.
Kana tichitaura nezvazvo mhando yechiitiko inonzi phishing, inova iyo data redu pachedu parinobiwa nemifananidzo yemasangano emari uyezve imwe mhando yekubiridzira inoitwa neiyo data.
Hutsotsi hwakaonekwa zvakanyanya hune marogo eBBVA kana mifananidzo uye maemail umo munhu wacho anobvunzwa ruzivo rwebhangi kuti akwanise kuita transfer yakamiswa.
KUVhundutsa MUPATI PEMAHARA
Maererano ne cybersecurity nyanzvi, Nekufamba kwenguva, vanhu vanoita zvehunyengeri hwekadhi rechikwereti kuburikidza nesarudzo iyi kune vamwe havangovhure mapurogiramu matsva echinangwa ichi asi zvakare vachave nenzira nyowani dzekutyora data revanhu vanoshandisa makadhi.
Kwete chete ivo vanongoshandisa yavo kiredhiti kadhi kuba mari dzevamwe vanhu, asi iwe unogona zvakare kushandisa mafomu ese ese marudzi pane nhare mbozha.
Kubvunzurudzwa kwekadhi rechikwereti
Munhu wekutanga anofanirwa kuongorora kadhi rako uye nekutarisa rese data riri kupfuura pariri ndiwe. Nyanzvi dzinokurudzira kuti iwe uzive zvese mafambiro anogadzirwa pakadhi rako chikwereti kuti ukwanise kucherechedza chero chiitiko chinobuda mukutonga kubva panguva yekutanga. Masangano ese ane 24 hotline nguva saka unogona kutaura chero nguva iwe paunoona chimwe chinhu chisina kujairika chichiitika nemaakaunzi ako. Iko kumhanya kwaunoita kwakakosha, nekuti nyanzvi dzinoti kuona shanduko mune yako kadhi munguva kunogona kukupa kutyisa kweashoma se50 euros kana zvishoma.
Kumhanyisa chinhu chaunofanirwa kugara uchifunga kubva panguva yaunoona kuti chimwe chinhu chiri kuitika nekadhi rako rechikwereti kuitira kuti iwe ugone kuisa miganho kune matsotsi kuburikidza nekukurumidza kucheka kadhi.
Iko kunowanzoitika
Maererano nenyanzvi kubiridzira kadhi rechikwereti yave yakajairika kakapetwa makumi maviri mumakore achangopfuura. Iyi tmhando yekutenga inonzi CNP uye izvo zvaunoita kushandisa kiredhiti kadhi nhamba kuti ugone kuita makuru mashandisirwo kune mamwe maakaunzi. Nekuti nyanzvi dzinozviziva izvozvo, zvinhu zvakawanda zvinoita kuti zvikwanise kuona kana kadhi richiita chero kushamisika kufamba uye richionekwa sesangano risinganzwisisike nekuzivisa muridzi wekadhi. Imwe inoedzwa mumasangano mazhinji kuti ione kubiridzira ndiwo maitiro ekutenga mumutengo, sezvo muchiitiko chekuti munhu anogara achitenga zvakaenzana uye pakarepo mari yepamusoro yakanyoreswa, mutengi achaziviswawo.
Kazhinji, kadhi rakavharwa zvakananga uye munhu anoyambirwa nezviri kuitika.
Kutsvaga Kunoreva Kiredhiti Kadhi Kubiridzira
Chero ani akazvitsaurira kutsvaga izvi internet mhosva, ine zvese zvaunoda kuti uite yakanaka yekutevera yemagetsi.
Nguva zhinji, kuba makadhi inoitwa asi hapana mhando yekufamba nerudzi urwu rweakaunzi, zvinoreva kuti vaongorori havaone kuti ndiani kana kupi kwairi kushandiswa kubva, zvisinei, zvinogona kunge zviri izvo kuti kadhi racho harisi kushandiswa pakutenga pamhepo asi unogona kushandisa zita uye data rezvikwereti zvechikamu kana kungoita zita remunhu.
Mapurisa anogona zvakare kumisa izvi mhando yekubiridzira nemakadhi echikwereti kuve nechokwadi chekuti hapana anokwanisa kuita Sekondari Kiredhiti Kadhi Kubiridzira nechero kadhi.
Ndezvipi zvimwe izvi
Kunyangwe zvingaite senge kuEurope kune huwandu hukuru hweKubiridzira Nemakadhi echikwereti, zvisinei, zviverengero zvinotitaurira kuti nyika yazvinoitika zvakanyanya iUnited States, mune iyo inodarika zviuru mazana mashanu zvemadhora zvakarasika nekuda kwekubiridzira gore rega nekuda kwekunyepedzera kadhi rechikwereti.
KuEurope, vanhu vari munzvimbo dzakaita seUnited Kingdom neFrance ndivo vanonyanya kutambura muEurope, kubvira gore rakapera mari inodarika mamirioni mazana manomwe nemakumi mashanu nemashanu yemadhora yakarasika munzvimbo ino, izvo zvinoita kuti huwandu hunopfuura hwe715% hwabiridzirwa muEurope yose.
Chii chinonetsa kune Spain, ino ndiyo nyika yechishanu inotambura kwazvo chegore rega rega uye gore rega rinorasikirwa anopfuura mamirioni gumi nemaviri emamiriyoni, zvisinei, panguva yeyekupedzisira maitiro ekuderera akaonekwa munyika yekupedzisira.
Imwe nyanzvi yezvikwereti yakati dambudziko guru muSpain ndiro kiredhiti kadhi kurwisa kuburikidza nePOS zviteshi. Kubva gore rapfuura, kuderera kweKiredhiti Kadhi Kubiridzira kwakadzikira ne4,5%.
POS zviteshi muSpain
Nerubatsiro rukuru rwunopihwa nerudzi urwu pakusvika panhare, matsotsi mazhinji anotarisa kumaterminal kune kuba kadhi rechikwereti kana chero imwe mhando yeruzivo. Kubudikidza nenzira iyi izvo zvavanoita mukuverenga zviteshi zvese panguva yekubhadhara kadhi kuti uchengete nhamba nephasiwedi zvakafanana.
Kune rimwe divi, nyanzvi dzinotaura kuti ese masisitimu ekubhadhara ane chekuita nemakadhi echikwereti ayo akavakirwa pa machipisi haana kukosha zvakanyanya maringe neaya echinyakare ekushandisa umo chete nhamba yemakadhi echikwereti inogona kushandiswa.
Nezve makadhi echikwereti eEuropean, une akawanda masisitimu epamberi mune chii zvinoreva chip uye pini uye nekuda kwekugamuchira kwakanaka uko kunopihwa mumakadhi aya mukutarisana nekurwiswa kushoma. Ivo vatotanga kushandiswa munzvimbo zhinji dzeUS.
Mazuva ese zvakanyanya kunetseka
Kana zvasvika pakubiridzira kadhi rechikwereti, vese veSpanish neEuropean vari kuwedzera kunetsekana nezve zvese zviri kuitika nekunyepedzera kadhi rechikwereti. Chikonzero chikuru ndechekuti iyo musika mutema wemakadhi akabiwa hairegi kukura zuva rega rega zvichikonzera kuti mari irambe ichiwedzera Mabhangi anovimbisa nzira nyowani dzinopesana nezvose zvinoreva kuchengetedzwa kwemakadhi, asi kune akawanda masangano zvinonetsa kupa nzira nyowani, kunyanya munyika senge US uko, kure nezvaungafunge, masisitimu ekubhadhara haachashandi. Gara uchishandisa chip
Nyanzvi dzinoti nzira yechokwadi yekuziva kana kadhi rakateedzerwa kana kubiwa ndeye kushandisa makadhi echikwereti nepini. Muzviitiko zvakawanda, aya marudzi emakadhi anogona kutaurira kubhangi mune imwe maminetsi kana iri kadhi rakabiwa kana kuteedzerwa uye richivharira mumasekondi mashoma.
Nyanzvi dzinotaura nezvehukama pakati pounyengeri hwakaderera nemakadhi echikwereti ayo akamboitika muSpain zvichienzaniswa nedzimwe nyika dzeEurope ne kushandisa chip mumakadhi.
Chinyorwa chakanaka kwazvo. Ichokwadi ndechekuti zuva rega rega unofanirwa kuchenjerera nekuchengetedza munzvimbo dzese. Iwe zvakare unofanirwa kungwarira neye itsva NFC kubhadhara, kungave nhare kana nekadhi. Iyi tekinoroji haisati yakachengeteka uye inogona kunge iri nyaya yekukanganisa ruzivo (haruna kunyorwa) nemuverengi ari padyo, kunyangwe kana mushandisi asina kuribvisa muchikwama chake.