My latest Guardian column, "Automated calls, fraud and the banks: a mismatch made in hell," reacts to the news that UK banks are using robo-call machines to check in with customers on possibly fraudulent transactions, and going about it in the worst way possible:
The banks, bless them, are only trying to prevent fraud, but this is a pretty silly way of going about it. For starters, there's the business of calling up people and asking them to give you all the information necessary to prove that they are indeed a bank customer – all the information that a fraudster needs to impersonate that person at the bank, in other words. The banks have spent decades systematically conditioning us to give our personal information to fraudsters, which is a strange way to prevent fraud.
But at least this silliness had one saving grace: a fraudster can only make so many calls per day, and so the scope of losses from such a programme of bad security education is limited by the human frailties of con-artists.
Enter the robo-caller. The banks are now outsourcing their fraud prevention to computers that can make dozens of calls all at once, around the clock, fishing (or phishing) for someone who just happened to have made an unusual purchase and is thus willing to spill all his details down the phone to get it approved. Note that most of the categories of purchase that trigger false positives from fraud detection systems are also the sort of thing that customers are anxious to see go off without a hitch. The unusual and the urgent often travel together.
Automated calls, fraud and the banks: a mismatch made in hell
Singapore, fearing cyberattacks — especially ones related to the ongoing South China Sea cold war — will, as of next May, disconnect its entire civil service from the internet, airgapping the whole government.
U.S. officials are investigating online security attacks that targeted reporters at The New York Times in Moscow. A U.S. official said Tuesday that the Times was among various U.S. news organizations targeted. CNN was first to report the story, and the Times has since confirmed and corrected some details.
Microsoft’s deceptive hard-sell to gets users to “upgrade” to Windows 10 (the most control-freaky OS to ever come out of Redmond) is made all the more awful by just how much personal, sensitive, compromising data Microsoft exfiltrates from its users’ PCs once they make the switch.
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