Lecture on measures of protection in internet banking | Societe Generale Montenegro
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Lecture on measures of protection in internet banking

Podgorica, 26. november 2015.

LEACTURE ON measures of PROTECTION in internet banking 


Societe Generale banka Montenegro organized a lecture on "The risks in electronic business and measures of protection in the Internet banking". The lecture was the outcome of corporate social responsibility and the Bank's intention to educate clients on risks in cyberspace and measures of protection. The lecturers were Jakša Backović from the Police Administration of Montenegro and Dušan Krkotić from the Ministry for Information Society and Telecommunications.

The fight against the security challenges in cyberspace is not only a problem for security professionals, but also for the users themselves who should take the necessary preventive measures in order not to become victims of fraud and cyber attacks, it was explained in a lecture.

Cyberspace does not involve only the Internet, hardware, software and information systems, but also the people, social interaction. According to the report of company Norton in 2013, it is estimated that annually, cyber crime hits about 318 million victims, which is a million victims a day. Cybercrime annualy costs the world economy 113 billion dollars. This global threat is present in Montenegro. From 2012 to June 2015 112 threats are recorded in cyberspace in terms of: attacks on web sites, frauds via Internet, abuse of profiles on networks and inappropriate content, as it was explained during the lecture.

The most common problem that the citizens of Montenegro encounter is abuse of profiles on social networks. Follow the attacks on web sites, with not so insignificant number of banking frauds and phishing attacks - when fake e-mails lead to websites that by look correspond to legitimate web sites of companies. In these messages, the user is usually required to enter personal data in order to allegedly  avoid account closure.

Data on payment cards, bank and other accounts are to be kept in secret, while the use of personal data on the Internet, such as date of birth, telephone number, should be avoided. Suspicious e-mails and messages, such as cheaper travel, lottery winnings, inheritance should not be taken into account.

A phenomenon known as social engineering usually precedes to cyber attacks.  In practice, it manifests itself through fraudulent phone calls with seemingly naive questions, such as maiden name, date of birth, the personal details that can later be misused. Further examples are the issues related to the name of the director of a certain department of the company, in order to assume the identity, or the emails of a close friend, who is trully traveling, supposedly seeking financial assistance because he is robbed. Social networks are very convenient for these frauds, which are often a source of information for the creation of false identities.

Representatives of the Bank, the Ministry and the Police Administration said that the basic cyber security culture prevents 85% of attacks, including licensed software, antivirus and anti-malware programs, complex passwords, keeping passwords secret and non-disclosure of information by phone, e-mail or internet service if you are not sure, or you do not know who you are communicating with.

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