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
The Mirai Worm is a seemingly unstoppable piece of malware that targets the garbage-security Internet of Things gadgets that have proliferated through the world; these gadgets then used to deliver equally unstoppable floods of traffic that endanger whole countries.
Micah Lee and The Intercept put together this video with “tips on how to prepare your phone before you go to a protest and on how to safely communicate with your friends.”
Flexispy (previously) is the creepy, sketchy stalkerware company that makes tools that allow jealous, abusive spouses track their partners, and then hides their profits in offshore money-laundries.
All moms are different. But all moms like getting flowers on Mother’s Day, and that’s a fact (not, however a fact we can document in any fashion.) Instead of getting chewed out for forgetting to call her on the second Sunday of May, you can take care of it ahead of time with Teleflora’s flower […]
Yeah, Bluetooth audio is pretty common these days, so why should you care about these earbuds? Look how happy that woman up above looks. She’s got FRESHeBUDS in. Boom. There’s your reason. She’s also at the beach and it appears to be a very nice day.But for the sake of promotion, wireless earbuds are fast becoming the […]
“Gets stuff done,” is a good way to be described by anybody. Especially by coworkers or bosses. Because whether you’re in finance or a children’s librarian, stuff needs to get done. But how do you make sure stuff gets done? You definitely can’t do all the stuff yourself, unless your company/organization/government office consists entirely of you. And […]