seized the mobile banking APP market in banks, counterfeit banking APPs also began to appear, taking the opportunity to harvest users.
wrote | Zhang Haodong
produced | payment encyclopedia
Recently, the Ministry of Industry and Information Technology announced that it has removed 60 apps that infringe on the rights and interests of users. Many banks are involved, and the problems of bank apps are gradually exposed. While bank apps are actively rectifying and reforming to meet regulatory requirements, many highly imitation and counterfeit bank apps have appeared on the market. Using banks as endorsements, these fake apps are sucking users' wallets fiercely.
In response to a large number of counterfeit software on the market, China Merchants Bank issued a risk warning, stating that some criminals in used "pre-approved loan line" as an excuse to connect via SMS to induce users to download fake APP, such as "China Merchants Bank Quality Edition", " "China Merchants Bank Premium Edition", "China Merchants Bank Express Edition", "China Merchants Bank Special Edition", etc., steal user information and commit fraud.
You can see that the above apps that pretend to be China Merchants Bank’s mobile banking have added the word “China Merchants Bank” in their names, and various versions have been launched on this basis, which seem real on the surface, but in fact they are not the official apps of China Merchants Bank. If the user is not careful, it is very likely to fall into the trap of criminals.
At present, the official name of China Merchants Bank’s mobile banking app is “China Merchants Bank”. Illegal apps downloaded through information links through informal channels are all illegally planned. The real purpose is nothing more than the name of the bank. Obtain illegal benefits. Z2z
, whether it is a bank APP or an APP of a financial institution, has become a target for criminals due to the large amount of fund exchange and settlement involved. These people like do not produce brands, but are porters of brands. They use the formal platform as a cover to gain the trust of users before committing further fraud.
With the migration of user habits to mobile terminals, mobile banking APP has long become a standard configuration for banks, and has gradually become the bank's main position for customer acquisition and marketing. Compared with handling business at the bank counter, mobile banking APP is more convenient and efficient, and this also provides opportunities for criminals. The functions of the
mobile banking APP are constantly being updated and the competition is becoming more fierce. Various kinds of counterfeit mobile banking APPs of are also accelerating to go online. This kind of software often eliminates one, and another one appears, which is difficult to completely eliminate.
Sometimes a bank can have hundreds of different apps at the same time. The names, icons, and functional experience of these counterfeit apps are very similar to those of regular mobile banking apps, making it difficult for users to distinguish between true and false, and some users have suffered financial losses. .
It is understood that these fake mobile banking apps, from the download page to the operation interface, appear to be very compliant. A user who downloaded a counterfeit mobile banking APP, Xiao Wang, told Paying Encyclopedia that it is difficult to tell whether these softwares are official by the bank, but in the process of real use, vulnerabilities and hazards of such software can be found.
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