Nambarada mobiladu waxay ku xidhan yihiin wax walba hadda. Shatiga^(License) wadista baabuurta , Aadhar , xisaabaadka dhijitaalka ah^{(Digital Accounts)} , iyo xataa xisaabaadka ^(Accounts)bangiga^(Bank) . Waa habka ugu habboon ee lagu wada xiriiro maadaama ay had iyo jeer ku jiraan gacanta macaamilka, waxayna ka falcelin karaan fariin kasta oo loo diro. Si kastaba ha ahaatee, tani waxay sidoo kale ka dhigan tahay in khiyaamo ay si fudud u dhici karto marka hal lambar lagu xiro wax kasta. Tani waa sababta uu nidaamka Bangigu^(Bank) u abuuray dhawr qaybood oo ammaan ah sida OTP , xaqiijinta 3D, iwm si loo hubiyo inaanay fududayn haddaanay suurtogal ahayn. Maanta, waxaan ka hadleynaa mid ka mid ah khiyaanada noocaas ah - SIM Swap Fraud iyo sida aad uga badbaadi karto.

Waa maxay SIM Swap Khiyaanada

Mid ka mid ah dhibaatooyinka ugu waaweyn ee lambarka ku xiran akoonnada waxaa ka mid ah in haddii qof uu haysto lambarkaaga, iyo aqoonta aasaasiga ah, oo adiga kugu saabsan, oo si sahlan looga heli karo baraha bulshada, uu heli karo akoonkaaga bangiga ama wax kala iibsiga online waxaa si fudud u samayn kara xubin qoyska ka tirsan, saaxiib iyo xataa kuwa aanad garanayn.

Sida hoos timaada Swim Swap Fraud,  khiyaameeyayaashu waxay maamuli karaan inay helaan SIM kaar cusub oo^{(fraudsters can manage to get a new SIM card)} laga soo saaray lambarkaaga gacanta ee ka diiwaangashan, ka dibna ka isticmaalaan OTP akoonkaaga bangiga si ay u galaan.

Sida khiyaano-wadayaashu u galaan SIM- kaaga^(SIM)

Khayaanada waxay ku ururiyaan macluumaadkaaga khaaska ah phishing , Vishing^(Vishing) , smishing^(Phishing) ama si^(Smishing) kasta oo kale. Tani waa waxa ugu muhiimsan, waana sababta ay tahay inaadan haysan saxeexaaga, faahfaahinta akoonkaaga bangiga, oo xitaa qof la wadaagto nuqul xerox ah.

Markay helaan dhammaan faahfaahinta aasaasiga ah, waxay wici karaan hawlwadeenka mobaylka, oo ay SIM-kaagu xannibaan. ^{(get your SIM blocked.)}Waxay isticmaali doonaan cinwaanka guriga, taariikhda dhalashada, iyo faahfaahinta kale ee shirkadu u baahan tahay.

Ku dhaji tan, waxay booqan karaan dukaanka tafaariiqda ee tafaariiqda tafaariiqda tafaariiqda tafaariiqda tafaariiqda tafaariiqda tafaariiqda mobaylada iyagoo wata caddaynta aqoonsiga been abuurka ah^{(with the fake ID proof)} oo iska dhigaysa macmiil. Waxay xitaa heli doonaan warqad oggolaansho si ay u helaan SIM kaar cusub oo dhab ah.

Marka SIM- ku hawl galo, waxay heli karaan OTP wax kala beddelashada Debit iyo Card Card^{(get OTP for Debit and Credit Card transactions)} , xitaa ma ogaan doontid ilaa aad hesho hab badan oo lagu ogeysiin karo.

In kasta oo hawshu u muuqato mid sahlan, haddana aad ma fududa. Qof waa inuu haystaa xogtaada oo dhamaystiran oo ay ku jiraan lambarada kaadhka , ^(Card)CVV , ciwaanka, taariikhda dhalashada iyo wixii la mid ah. Si kastaba ha ahaatee, haddii qof uu doonayo inuu helo dhammaan tafaasiisha adiga, macquul maaha.

Sideed uga hortagi kartaa khiyaanada isku beddelashada SIM

• Tallaabo degdeg ah ka qaad haddii aad aragto lambarkaaga taleefanka oo ka maqan adeeg muddo dheer, oo uu si aan caadi ahayn u joojiyay shaqadii.
• Ha wadaagin Lambarka Taleefankaaga, SIM nambarka 20, lambarka IMEI^(IMEI) meel kasta
• Isku diwaangeli digniinta bangiga degdega ah ee bangigaaga sidoo kale email id.
• Ha ka jawaabin iimayllada ama wicitaannada aan la garanayn^{(unknown emails or calls)} ee ku weydiinaya faahfaahinta akoonkaaga ama nambarka gacanta.
• Waa fikrad wanaagsan in la xannibo spameriyeyaasha adoo isticmaalaya apps sida TrueCallers .
• Markaad u safrayso dibadda, hubi inaad karti u siiso adeegyada aasaasiga ah sida SMS iyo Wicitaannada^(Calls) . Haddii ay dhacdo in bangigu rabo inuu kula soo xiriiro, waxay noqon doontaa mid u qalanta kharashka.

Maxaad samayn lahayd haddii ay dhacdo  khiyaano isku beddelashada SIM^{(SIM Swap)}

Marka hore, wac bangigaaga oo xannibo wax kala beddelashada kaadhka deynta iyo kaadhka deynta haddii ay dhacdo inaad aqoonsato wax kala beddelasho khiyaano ah Marka labaad^(Second) , wac hawlwadeenkaaga, oo gudbi cabasho habboon Waxaad u baahan tahay inaad ku booqato iyaga oo wata kaarka aqoonsiga asalka ah iyo caddaynta ciwaanka si kiiskaaga loo sameeyo.

Waa fikrad wanaagsan inaad dhawrto akoonkaaga, mobaylka nambarkaaga siyaabo kala duwan. Waxa ka sii muhiimsan waa ka warqabka meesha, iyo sida aad u wadaagto macluumaadkaaga shakhsiyeed.^{(It is a good idea to safeguard your account, mobile number through various ways. What is more important is awareness of where, and how you share your personal information.)}

What is SIM Swap Fraud and How do you stay safe

Mobile numbers are linked to almost everything now. Driving License, Aadhar, Digital Accounts, and even Bank Accounts. Its the most convenient way to cоmmunicate as they are alwayѕ in the consυmer’s hand, and they can rеаct to any meѕsage that is sent across. However, this also means that fraud can happen easily when one number is linkеd to eνerything. This is the reason why the Βanking system hаs created multiple security рarameters likе OTP, 3D verification, etc to make sure it’s not easy if not impossiblе. Today, we are talking about one sυch fraud – SIM Swap Fraud and how do you stay safe from it.

What is SIM Swap Fraud

One of the major problems with a number connected to an account is that if somebody gets hold of your number, and with basic knowledge, about you, which is easily available in social media, he can get access to your bank account or online transactions It can be easily done by a family member, a friend and even those whom you don’t know.

Under Swim Swap Fraud, the fraudsters can manage to get a new SIM card issued against your registered mobile number, and then use OTP from your bank account to get access.

How fraudsters get access to your SIM

Fraudsters gather your personal information through Phishing, Vishing, Smishing or any other means. This is the most important thing, and this is the reason why you should not have your signature, bank account details, and even share a xerox copy with someone.

Once they have all basic details, they can call the mobile operator, and get your SIM blocked. They will use the home address, date of birth, and other details required by the company.

Post this, they can visit a mobile operator’s retail shop with the fake ID proof posing as the customer. They will even have an authorization letter to get a new genuine SIM card.

Once the SIM is activated, they can get OTP for Debit and Credit Card transactions, and you will not even know until you have more way of getting notified.

While the process sounds easy, it’s not going to very easy. Someone has to have a complete data of you including Card numbers, CVV, address, birthdate and so on. However, if somebody is keen to get all the details about you, it is not impossible.

How do you prevent a SIM Swap fraud

• Take quick action if you see your phone number out of service for a long time, and has unusually stopped working.
• Do not share your Phone No, 20 digits SIM number, IMEI number anywhere
• Register for instant bank alert with your bank over email id as well.
• Do not respond to unknown emails or calls asking for your account details or mobile number.
• It’s a good idea to block spammers using apps like TrueCallers.
• When traveling abroad, make sure to enable the basic services like SMS and Calls. In case the bank wants to get in touch with you, it will be worth the cost.

What should you do in case of SIM Swap fraud

First, call your bank and block your debit and credit card transactions in case you have identified a fraud transaction Second, call your operator, and file a proper complaint.  You need to visit them with original ID card and address proof to make your case.

It is a good idea to safeguard your account, mobile number through various ways. What is more important is awareness of where, and how you share your personal information.

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