will be limit in compliance with the civil rights of its owner. That is, he will be able to dispose of the money, but to do so he will ne to come to the bank office with a passport. However, droppers ne a traffic manager? are often behind the recipient’s account, to which money is receiv as a result of a fraudulent transaction – people who use other people’s accounts to withdraw and withdraw stolen money. Obviously, they will not contact the bank on the account of another person whose card they are using for illegal purposes.
And if we talk about measures to improve the return
then now the return of funds is being discuss in the event that the payer’s bank did not take our information into account in its business processes.
— Will the money be return within a certain limit amount or in the amount that was withdrawn from the fraudsters’ victim’s account?
— According to the current legislation
a bank client has the right to expect a full refund if he/she has not violat the terms of the agreement — has not provid the fraudsters with bank information (SMS code, payment users: more than 74 million monthly active users as of may 2024 card number, etc.). At the same time, we see that fraud is becoming widespread, mainly telephone fraud, when citizens voluntarily disclose bank information to fraudsters. And in this situation, if a person has violat the terms of the agreement and provid ao lists information about their personal data, PIN code, card or account number, then they are depriv of this right. This negatively affects consumer confidence in remote payment services.