The actions that the caller urges you to take are an important marker of their intentions. If the bank really needs your confirmation to carry out the transaction, a simple consent or refusal will be enough. Any further actions are carried out by employees.
The bank does not require any haste from the client. Neither the organization nor your money will be harmed if you take time to think. And scammers always ask to act quickly.
The last two points are clearly demonstrated in the mirror loan scheme. In reality, if the bank notices suspicious actions on your behalf, it is able to stop them. If you are called to confirm a request, it is enough to answer whether you submitted it or not. If not, the employee will simply cancel it. The same applies to any transfers and manipulations with accounts.
Criminals focus on several aspects to get their victims' money:
they take advantage of the fact that the client does not list of mobile number database know the intricacies of the bank’s work;
play on the victim's inattention;
provoke a stressful situation.
Not all bank clients know what information employees have. Therefore, asking the victim to dictate their passport number may seem quite innocent. A person may simply have no idea that the bank is capable of stopping any suspicious transaction or independently protecting depositors' savings.
In many messages, banks emphasize what information should not be shared with other people, even their employees. For example, transaction confirmation codes are accompanied by such a note. Often, we stop paying attention to such notes because they do not contain new information. Sometimes this plays a cruel joke on us, and we forget the message that these notes contain.
The main tool of fraud is to put the victim into a state of stress. First of all, criminals report that the client's money is under threat. Right now, someone is trying to take possession of it. Suddenly, the victim has a problem that urgently needs to be solved. And the voice on the phone pretends to be an ally and suggests specific steps. In case of danger, primitive mental mechanisms start working most easily. They make the victim trust the criminal, because he reports a threat, and does not cause harm.
At such a moment, it is easy to forget everything you know about the banking system and data security. The situation is presented as an emergency and may seem to require very quick action. It may be difficult for the person to even consider that he knows nothing about the caller.