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It should be pointed out that banks and other financial institutions are most interested in security and transparency of payments. After all, losses associated with fraud and other illegal activities directly fall on banks and financial institutions themselves.

Therefore, all financial market participants improve protective mechanisms of their information systems, Internet resources and mobile applications, including identification and authentication.

They follow recommendations for security of international payment systems VISA, MASTER CARD and others used.

They apply modern methods of biometric identification.

This is a difficult question. Task of the Agency is to work with the financial market. But, as you understand, fraudsters are not part of the financial market. Fraud is a type of crime, and the Ministry of Internal Affairs of the Republic of Kazakhstan faces the task of crime suppression. Along with that, fraudsters use weaknesses of banks and microfinance organizations. In this part, the Agency contributes to suppression of fraudsters.

The Agency studies fraud schemes, identifies weaknesses in the security management systems of financial market entities and sets modern requirements and recommendations for upgrade of their security systems.

Overall, we recommend to bear in mind that a bank employee will not call you and ask you to provide any information or perform any actions with your device and money. Feel free to interrupt such call. To be completely sure, you can call your bank back at the number indicated on your card.

If you have become a victim of fraudsters, first of all you need to file a statement with law enforcement agencies (the police). The investigation and trial process will take a lot of time, so it is better to be careful and not fall for tricks of fraudsters.

In order to automate operation of the Sectoral Information Security Center, the Automated System for Processing Information on Information Security Events and Incidents in the Financial Market (ASI "Qainar") was developed and launched on its own.

"QAINAR" system records and jointly processes information security events in the financial market. These include cyber attacks, facts of atypical activity, failures or malfunctions of information systems and other information security events that require verification.

Based on results of processing the information received in order to prevent cyber attacks, the Sectoral Center sends warnings about threats and vulnerabilities of information security to participants of the information exchange through QAINAR ASOI.

Each such event may be little but any serious cyber attack starts with small events, with the help of which criminals study flaws of financial organizations.

The Agency has developed Requirements to Ensure Information Security of Banks and Rules to Provide Microloans Electronically for legal market participants, such as banks and microfinance organizations, respectively.

These regulations define requirements for protection of information in information systems, Internet resources and mobile applications of financial institutions, which do not allow fraudsters to withdraw money or issue a loan to a client without direct participation of the client.

That is why fraudsters call us to involve us in withdrawing money or applying for a loan, because they cannot do this without our participation. If it were possible to withdraw money from our accounts and issue loans to us without our participation, no one would call us, they would simply steal money and that's it.

In order to ensure your financial security, do not communicate with strangers on the phone about financial matters.