Afraid of Phishing Emails?
Listening | English and Chinese scripts are provided below and you can understand the content easier. https://www.youtube.com/@UpgradeEnglish
What is a phishing email? How does it work?
The email was sent by a scammer with fake message and link to a fake website. If you trust the message, you may click on the link embedded in the email.
What is the flow after clicking the link?
The link is diverted to a website pretending to be from large organisation e.g., bank that you know. As you may not be alert to such fake message, you’ll log in the bank’s website which shows the same design of digital banking.
Do you know that you may have leaked your personal information to the scammer?
Your sensitive bank information and password are captured during the login. The scammer steals your information and it may cause your loss of money and theft identity later.
How can the scammer make money after getting the information?
The scammer can use your login credential and enquire your bank account and personal information. Money can be transferred out to a third party and it would cause your loss of money.
The scammer can open banking account or apply for banking services e.g., borrowing different loans from different banks in your name. The scammer leaves you to deal with the consequence of repaying outstanding debt.
The scammer can also sell your sensitive information including credit card number to criminals. When such information falls into the wrong hands, it can lead to repeated frauds, identity thefts or similar harms.
How should you handle phishing emails?
Please do not click on the links embedded in the emails immediately. For any uncertainties, you should check with the banks if there are any announcements of phishing emails recently.
Banks should receive similar feedback from customers and post alert notifications at the websites. If you found those notifications, you should delete those phishing emails.
If such phishing emails were not notified by the banks, you should contact customer hotlines and report the cases to the banks immediately.
If you’ve already clicked the link and logged in digital banking, you should change your password immediately by avoiding the successful login from criminals.
If you found any loss of money in your account, please report to the bank and police immediately.
In order not to be the victim, you should keep your personal and financial information securely. Please do not share the information over phone calls or emails.
WITH CHINESE SCRIPT
什麼是網絡釣魚電子郵件？它是如何運作的？
該電子郵件是由詐騙者發送的，其中包含虛假訊息及虛假網站的連結，如果您信任該訊息，您可以會點擊電子郵件中嵌入的連結。
點擊連結後的流程是怎樣的？
該連結被轉移到一個冒充大型企業（例如您認識的銀行）的網站，由於您可能沒有警惕此類虛假訊息，因此您將登入與該銀行的數碼銀行相同設計的網站。
您知道您可能已將您的個人資料洩露給騙子嗎？
您的敏感銀行資料和密碼在登入過程中被記錄，騙子竊取您的資料，之後可能會導致您的金錢損失和身份被盜。
騙子拿到資料後如何賺錢？
詐騙者可以使用您的登入憑據查詢您的銀行賬戶和個人資料，可以把資金轉賬至第三方，這會導致您的金錢損失。
詐騙者可以用您的名義開立銀行賬戶或申請銀行服務，例如向不同銀行借不同的貸款，騙子令您自行承擔未償債務的後果。
詐騙者還可以將您的敏感資料（包括信用卡號）出售給犯罪份子，當這些資料落入壞人之手時，可能會導致重複欺詐、身份盜竊或類似對您的的危害。
您應如何處理網絡釣魚電子郵件？
請不要立即點擊電子郵件中嵌入的連結，對於任何不確定性，您應向銀行查詢近期是否有釣魚郵件的公告。
銀行應收到客戶的類似反饋，並在網站上發佈警惕通知，如果您發現有關通知，您應該刪除這些網絡釣魚電子郵件。
如果銀行沒有通知客戶此類網絡釣魚電子郵件，您應立即聯繫客戶熱線並向銀行舉報。
如果您已經點擊該連結並登入了數碼銀行，請立即更改您的密碼，以免被不法份子成功登入。
如果您發現賬戶出現金錢損失，請立即向銀行和警方舉報。
為了不成為受害者，您應該安全地保存您的個人和財務資料，請不要通過電話或電子郵件分享資料。