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कम बोलने वाले लोगों की आठ खूबियां क्या हैं?

1. ऐसे लोग बहुत ही ज्यादा समझदार होते हैं क्योंकि यह लोग केवल उतनी ही बात बोलते हैं जितनी की आवश्यकता है 2. आप ऐसे लोगों से अपनी राज की बात भी कर सकते हैं क्योंकि यह लोग किसी को कोई बात नहीं बताते। 3. ऐसे लोगों को समझना थोड़ा कठिन होता है पर यह लोग दिल के काफी ज्यादा अच्छे और सच्चे होते हैं। 4. ऐसे लोग अपने जीवन का बहुत बड़ा समय केवल अपने लक्ष्य की ओर ही लगा देते हैं। 5. कम बोलने वाले लोग ज्यादा सफल होते हैं क्योंकि इनके आसपास डिस्ट्रक्शन( ध्यान भटकाने वाले लोग) कम होती है। 6. कम बोलने वाले लोगों के अपने परिवार के साथ संबंध बहुत अच्छे होते हैं। 7. कम बोलने वाले लोगों की एक बहुत अच्छी बात यह है कि वह केवल सच ही बोलते हैं। 8. कम बोलने वाले लोग अपने दोस्त कम बनाते हैं परंतु जितने भी बनाते हैं सच्चे बनाते हैं Source: Sumit Gautam

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What are the new methods of cyber fraud in the world of finance?

Today India's largest public sector bank has published some guidelines for internet frauds  and it is worth to share for our visitors too:

""Cyber-crimes are rampant In the financial world today. The digital mode of banking is used by people in every nook and corner of our country. While technology has empowered us significantly, it also reminds us of the old adage– “With great power come great responsibilities.

Search Engine (e.g. Google) – a new tool for fraudsters

One of the key tools for the fraudsters these days is the “Search Engine.” This utility has become an essential part of our lives. Many of us do not think twice before reposing our total faith on the information provided by these search engines. Google allows users to edit contact details of any establishment such as Banks on Google map and Google search to make their services more useful for users. However, this facility is misused by cyber fraudsters. They change the contact details and related information on Google to accomplish their evil designs. Let’s elaborate the steps of such a fraud which is executed by using search engines.

· A user searches for a branch contact details or information on Google.

· The search engine displays few details along with the mobile number of branch manager or contact details of the branch which have been actually planted by the fraudsters exploiting the algorithm of the search engine.

· The user trusts the mobile number and calls the same for help.

· The fraudster uses the trust factor of the customer and using his skills gains the confidence of the customer to extract all details like debit card number, CVV. In case of UPI frauds, the fraudster manages to get downloaded UPI in the customers mobile. Ask money/request money feature of UPI is rampantly used for siphoning off the money. There are many other modes of UPI as well which will be shared for awareness in the meantime through this space. Primarily, the fraud happens due to sharing of VPA, UPI Pin, or giving access to mobile phone through screen sharing apps in case of UPI.

· Based on the interaction with the customer, mode of fraud (UPI or Debit card) is selected by the fraudster to defraud the customer.

Learning Points

ü Never rely on the results related to bank on any search engine.

ü Always check the official website of SBI (https://bank.sbi) for official and authentic information.

ü Never share your account information with third parties.

ü Do not call any anonymous number displayed on search engines.

ü App pin, UPI pin, CVV number, expiry date of debit card and 16 digit debit card number is for personal use. These should never be shared with anyone in any circumstances.

ü Never reveal your account related information on Social Media.

ü Always interact with verified handles on Social Media without sharing account specific information.

SMS Based Frauds

This is a new kind of fraud which is executed by sending unsolicited SMS to a user. The SMS contains a fraudulent link which prompts the user to submit document. The SMS is framed in such a way that it looks authentic to the users and creates a sense of panic in them. We represent below such an SMS for awareness.

Another way of committing a fraud through SMS which is rampant nowadays is sending an SMS in the name of Income Tax department for claiming refund. The same is also represented below for awareness:-

Learning Points

ü Think before clicking any link embedded in any SMS received.

ü If any SMS prompts you to visit the website of any organisation, make sure you visit the official website only and not a fake one.

ü Never login to our internet banking portal through link shared over SMS or email through any unidentified source. Instead one should type URL of the desired site.

Learning Points

ü Think before clicking any link embedded in any SMS received.

ü If any SMS prompts you to visit the website of any organisation, make sure you visit the official website only and not a fake one.

ü Never login to our internet banking portal through link shared over SMS or email through any unidentified source. Instead one should type URL of the desired site.""


Source: State Bank Of India

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