Alexander Falev
CEO, ROSGOSSTRAKH BANK
Often in an unauthorized debiting of the card the customers themselves are to blame. Therefore, we believe that banks should deal not only with the introduction of new security technologies, but also to increase the financial literacy of the population when handling the card. Compliance with standard rules for use of the card will keep you away from unpleasant situations when paying by credit card. We recommend that you always keep your receipts for transactions conducted (even unsuccessful), to activate SMS-notification on all ongoing operations on a card, store and enter the PIN away from strangers, do not lose sight of the card when paying for goods or services, do not use it in unfamiliar places.
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Irina Simakova
Deputy CEO, OJSC Pervobank
One of the main measures - to continue teaching the clients culture handling the card. In order to reduce the risk of unauthorized transactions, you need to follow the recommendations on the safe use of bank cards, which the client is familiarised with at card registration and which can always be found at the bank website.
In addition, we recommend our clients to connect SMS-notification and Internet Pervobank that allows to promptly notify them of any transaction, as well as in the case an unauthorized transactions are revealed - to block the card in real time.
I would also note that starting from 2013, transactions of our customers are monitored around the clock, which also reduces the risks. If you find a set of factors indicating a high risk of fraud -we block the card, then the bank staff will contact the customer to clarify the situation. It also helps to prevent possible fraudulent transactions.
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Denis Khrenov
Senior Vice-President, Intercommerce Bank
In addition to equipping all chip cards it is worth noting that the chips should be not only in the cards, but also the device serving them, because in this case, the banks will not shift the financial responsibility for fraudulent transactions on each other.
I would emphasize three components that will help to reduce the level of actual fraud:
- Massive introduction of chip technology (cards, POS-terminals, ATMs);
- The introduction of 3D-Secure / VBV, indispensable measure of safety at CNP- operations;
- The introduction of real-time monitoring of transactions with plastic cards and terminals.
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