Depositors alarmed as ATM theft rises sharply

Depositors alarmed as ATM theft rises sharply

MoudyBoka said:
Tarehe 15 August saa 12 Asubuhi nimeibiwa laki 700,000/= kwa ATM ya NMB mtu akiwa Mbulu wakati me nipo Dar nimelala na kadi ipo kwenye draw ime-expire,kilichonishtua ni NMB MOBILE!!!!

Nikawafuata NMB wakaanza longo longo,oh mara huenda ni ndugu yangu,blah blah kibao,nimekomaa nao Sasa wanasema fraud unit yao na Police wanafuatilia na mfanya kazi wao Mbulu ni prime suspect,nivute subira!!!
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Wakupe na hela ya kukusumbua
 
Kwa huu wizi wa kutisha unaotokea kwenye mabenk naona hii ndio itakuwa solution. Unatafuta mtungi wako mkubwa mzuri unauchimbia nyumbani kwako, siku hizi wengine hata safe pia zenye nafasi ya kutosha tu huziweka majumbani mwao.





zumbemkuu said:
Bora turudie maisha ya vibubu
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Wafanyakazi wa bank baadhi yao hujihusisha na wizi wa fedha za wateja wao na wizi mkubwa tu wa mapesa chungu nzima.

Power to the People said:
Wafanyakazi wa benki ndio wahusika wakubwa kwenye wizi wa aina hii. Nilishaibiwa pesa kutoka kwenye ATM bahati yangu sikuwapo tz na ushahidi nilikuwa nao. Cha kushangaza zaidi cctv haikuwa inafanya kazi wakati huyo mwizi akiiba. Sidhani kama mwizi anaweza temper na security cameras za bank bila usaidizi wa bank employees.
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Mie nadhani hata makampuni mbali mbali nchini yanaibiwa. Kama hawana accountant mzuri wa kufanya bank reconciliation basi wanaweza hata wasigundue kama jamaa wamechukua funds kutoka kwenye bank account ya kampuni husika.

zumbemkuu said:
Hivi pesa zinazoibwa ni za personal Account only?
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Bahati mbaya Mkuu BAK hakuna atakayekubali ukweli huu. Kuna benk huwa wananikata elfu tani kila mwezi kuna mwezi karibia mara tatu nimekuta nimekatwa buku mbili mara buku tatu maana ile system yao ni kila transaction inayofanyika wana ku-alert kwa sms.......nimekaa kimya tu
 
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BAK said:
Wafanyakazi wa bank baadhi yao hujihusisha na wizi wa fedha za wateja wao na wizi mkubwa tu wa mapesa chungu nzima.
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Mafanyakazi ya NMB ni majizi makubwa. Kuna mwaka fulani mkururo wa mafanyakazi majizi walifutwa kazi na wengine kukimbia na mamilioni ya fedha za wateja na mpaka sasa hawajulikani walipo. Kuna jamaa yangu aliwahi kupigwa sh laki 1.5 akwashtukia na kuwawakia...wakamwambia asubiri baada ya nusu saa...alipoenda kuangalia kwenye akaunti akakuta wame zirejesha. Ningekuwa mimi nisingekubali...lazima ningezaa na huyo mwizi... wamezidi bhana, aaah!

Ukiwa na pesa nyingi benki lazima uwe makini sana, hasa wale mamilionea ni rahisi sana kupigwa 3k, 5k, 8k, etc, na wasigundue. Hata akaunti za makampuni makubwa au serikali huchakachuliwa pesa nyingi sana ha hao majizi wa NMB....hii sio benki ya kuaminika hata kidogo...wafanyakazi wake ni MAFISADI kuliko unavyoweza kudhani....wana njaa kama za fisi mwenye njaa kali. Kuweni makini na wafanyakazi wa benki ya NMB kuliko hata hao cyber criminals wanaotumia IT kunyonya fedha. hawa wa NMB ni balaaaa...ni shidaaaaaaaa!!! Imagine mtu akinyonya 2k kutoka kwa wateja 20 atakuwa na bei gani? Si anaweza hata kujenga nyumaba kabisa? Ndio maana utakuta mfanyakzi wa benki mwenye mshahara wa laki 5 anaishi maisha mabayo hayaendani na mmshahara wake...kumbe ni wizi wa fedha za wateja ndio unawaweka mjini. Be careful with bank workers than cyber criminals!
 
Ahsante sana Mkuu tpaul kwa mchango wako maridhawa katika mjadala huu. Kweli kuna kila sababu ya kuwa na uangalifu mkubwa sana kwenye hizi bank accounts zetu, vinginevyo hukawii kulizwa. Baadhi ya Wafanyakazi wa katika mabenki si waaminifu hata kidogo.
tpaul said:
Mafanyakazi ya NMB ni majizi makubwa. Kuna mwaka fulani mkururo wa mafanyakazi majizi walifutwa kazi na wengine kukimbia na mamilioni ya fedha za wateja na mpaka sasa hawajulikani walipo. Kuna jamaa yangu aliwahi kupigwa sh laki 1.5 akwashtukia na kuwawakia...wakamwambia asubiri baada ya nusu saa...alipoenda kuangalia kwenye akaunti akakuta wame zirejesha. Ningekuwa mimi nisingekubali...lazima ningezaa na huyo mwizi... wamezidi bhana, aaah!

Ukiwa na pesa nyingi benki lazima uwe makini sana, hasa wale mamilionea ni rahisi sana kupigwa 3k, 5k, 8k, etc, na wasigundue. Hata akaunti za makampuni makubwa au serikali huchakachuliwa pesa nyingi sana ha hao majizi wa NMB....hii sio benki ya kuaminika hata kidogo...wafanyakazi wake ni MAFISADI kuliko unavyoweza kudhani....wana njaa kama za fisi mwenye njaa kali. Kuweni makini na wafanyakazi wa benki ya NMB kuliko hata hao cyber criminals wanaotumia IT kunyonya fedha. hawa wa NMB ni balaaaa...ni shidaaaaaaaa!!! Imagine mtu akinyonya 2k kutoka kwa wateja 20 atakuwa na bei gani? Si anaweza hata kujenga nyumaba kabisa? Ndio maana utakuta mfanyakzi wa benki mwenye mshahara wa laki 5 anaishi maisha mabayo hayaendani na mmshahara wake...kumbe ni wizi wa fedha za wateja ndio unawaweka mjini. Be careful with bank workers than cyber criminals!
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Nimesoma comments za wadau hapo juu, kwa kweli security ya banking tanzania bado ina walakini. Challenges ambazo mimi nimeziona mara nyingi ziko pande zote .... bank na mteja .... ufunguzi wa account na uendeshaji


Kama kuna ambayo yanafanyika, hongera .... kama kuna yanayoweza kuongezwa katika ushauri kwa wateja wasilizwe sana itasaidia mkiongezea. Mimi nimeona haya machache kwa uzoefu na banks tatu tofauti tanzania:


Ufunguzi wa account:
Kuna baadhi ya banks zina msururu mrefu wa kufungua account pamoja na watu wengi wanaoshika file lako .... sina uhakika kama kukitokea tatizo wanaweza kutrace wote. Hapa nashauri wahusika wote watambulike na ikiwezkana mtu mmoja atoe maelezo yote ili mteja akija kufungua account anakuja na vithibitisho vyote sio njoo kesho kuna kitu umesahau. Wateja wapewe checklist ya vitu vya kukamilisha.

Challenge nyingine ni banks zitafute mbinu tofauti za kumfikishia mteja card yake ya bank na password/pin numbers bila kupitia kwa wale waliomfungulia account. Hii itapunguza wizi wa personal information.

Access ya account:
Nashauri access ya account iwe limited kwa wafanyakazi wachache wa bank, na mtu akiingia kwenye account ya mtu ionekane flani aliingia na ajieleze alikua akifanya nini kwa muda huo

Wahudumu wa kudeposit na kuwithdraw:
Hapa baadhi ya banks zinaboa, hawampi mteja privacy yake. Unakuta unahudumiwa anakuja mtu mwingine kuchomeka kikaratasi pembeni na kuongea na mtu anayekuhudumia

Mitambo ya ulinzi
CCTV camera na other online security details ziwe za hali ya juu na vifanye kazi muda wote, visingizio vya umeme umekatika au camera ilikua haifanyi kazi iwe sababu ya mtu kufukuzishwa kazi kwa uzembe.

Uajiri wa watumishi
Nashauri kuwepo na umakini kwenye uajiri ... hapa ni pamoja na references na addresses zake. Banks zijiridhishe na wanayemuajiri wamjue kiundani ili lolote likitokea wajue wapi pa kumdaka kuanzisha kesi.


WATEJA
Card ya bank, Cheque book, Monthly Bank statement, Online access, Terms and conditions (fees, etc) za account .... hivi sio hisani hakikisha unavielewa (kuwa na copy ya any documentation) na unalazimisha kuwa ni haki yako kupewa. Kucheki balance mara kwa mara huwa inapunguza sana wizi mdogo mdogo wa wafanyakazi wa banks.

SERIKALI
Wawe na sheria kali za kudhibiti hizi banks pamoja na insurances kwa wateja .... kwa mfano banks nyingi marekani mteja yuko guaranteed up to $250,000 ya deposit yake kwa any loss ambayo hajasababisha mteja. Hii inazifanya banks kuwa makini sana kwenye usalama wa pesa ya mteja








Hizi nimezikuta sehemu, zinaweza kusaidia kupunguza wizi wa mtandao

These are the essential tips to protect yourself:


- Don't ever give out your personal information to strangers.



- Never use personal details as passwords - such as birthdays of loved ones or your pet's name.



- If you're asked for personal details when signing up with a company, use a random word you'll remember instead. Just because they ask for your mother's maiden name doesn't mean you have to give her actual one.



- Don't do online banking in a public place, such as a cafe. By using wireless you expose yourself to the risk of fellow customers being able to hack into your account.



- Never write down your Pins and passwords in a book, even if it's locked in a filing cabinet. You may think that it's safe, but don't under-estimate criminals.



- Make your password as long and as random as possible. Modern software allows a computer to make 1,000 guesses a second - meaning that a random five-letter password can be cracked in four hours. But it would take a life- time for criminals to work out a 20-letter password.



- Get yourself an online mentor if you're not confident on the internet. This could be a close relative or friend. You shouldn't give them your bank details, but they can help you decide if something isn't right.



- If your gut feeling is that something is not right, contact the police and your bank. If you've been called by suspected criminals on your home phone, call from a different line.



- Never reply to emails that appear to be sent from your bank and, in particular, never give them your passwords or log-in details.



- If your computer is behaving strangely - windows keep popping up or strange internet pages are appearing - then don't log in to your bank account. It may be infected.




 
Hizi ni pesa zako Mkuu Elli ambazo unazitolea jasho. Fuatilia bank ili ujue kitu kinachoendelea una kila haki ya kujua kama hayo makato ni ya kihalali au ni wizi. Kama yanafanywa na mfanyakazi wa bank ambaye si mwaminifu akifanya hivyo kila wiki kwa wateja 100 wa bank anajipatia pesa nzuri sana ya yeye kutanua kwa raha zake.
Elli said:
Bahati mbaya Mkuu BAK hakuna atakayekubali ukweli huu. Kuna benk huwa wananikata elfu tani kila mwezi kuna mwezi karibia mara tatu nimekuta nimekatwa buku mbili mara buku tatu maana ile system yao ni kila transaction inayofanyika wana ku-alert kwa sms.......nimekaa kimya tu
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BAK said:
Hizi ni pesa zako Mkuu Elli ambazo unazitolea jasho. Fuatilia bank ili ujue kitu kinachoendelea una kila haki ya kujua kama hayo makato ni ya kihalali au ni wizi. Kama yanafanywa na mfanyakazi wa bank ambaye si mwaminifu akifanya hivyo kila wiki kwa wateja 100 wa bank anajipatia pesa nzuri sana ya yeye kutanua kwa raha zake.
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hili ndio nazungumzia watu wapewe terms and conditions za kufungua na kuendesha account pamoja na any fees associated with operation and maintenance of the account .... kimaandishi!!!!
 
....no comment 4 now:shut-mouth::A S 114:
 
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Usisite kurudi kwenye uzi huu Mkuu MWALLA mara tu utakapokuwa tayari kufanya hivyo, labda mchango wako unaweza kusaidia wengi katika tatizo hili linalozidi kushamiri kwa kasi ya kutisha.
MWALLA said:
....no comment 4 now:shut-mouth::A S 114:
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ATM na wizi wa kibenki limekuwa tatizo la kidunia, sio bongo tu..hata huko kwenye utaalam wa kutosha wa maswala ya network securities, bado wanaibiwa sana.

..Wafanyakazi wa benk ndio wa kwanza katika hili. Nakumbuka ile ishu ya IT specialist wa bank moja huko ufaransa, alikomba around 3,5M Euros na hakukuwa na clear evidence ya kumshitaki. Mwalimu wake wa chuo alipoulizwa akasema ''He was the BRIGHTEST student i've ever mentored" hata mambo mengine alikuwa ananipa changamoto zinishinde, kwa hiyo yeye hakuona ajabu huyo jamaa kuiba bila kukamatwa.

It's rather scary!!!
 
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