The Indian banking system; cyber-crime finds a way through!

the indian bankig system

The Indian banking industry is one of the oldest and established sectors in the economy of India. Many changes have been brought to this sector since liberalization. Regulation and supervision are the two main features that raised their standards high. It equally involves company governance moral practice and financial distress.

Banks are now one among the best beneficiaries of the IT insurgence. The Indian banks have always found their profit from advancements like NEFT (National Electronic Store Exchange), RTGS (Constant Gross Settlement) and ECS (Electronic Clearing Administration).

Due to the advancement in Science and Technology, new forms of violations, referred to as, “Digital wrongdoings” have conquered the current scenery. Consequently, the progression in the digital wrong doing has made the banking process complicated.

Until the mid-1990, it was a basic and dependable process to manage an account in many parts of the world, but when innovations took over, the money keeping division witnessed a change in perspective so as to upgrade their client base presented a number of stages by which exchanges were possible.

These advancements in banks helped the customers to reach the banks 24×7 and year around through ATMs and Net banking methods. Technological enhancement increased money cheating cases in India. Cyber criminals use variety of techniques to collect cash and data from the bank. Even after strong safeguarding options were introduced by the banks to withstand cyber-attacks, the issue still exist.

One of the main reason this are the resistance measures adopted by the banks which are easily accessible in the open market and are utilized by the criminals who can easily tackle the safety standards.

Banks often face online assaults like phishing, virus attack, wholesale fraud, keystroke logging malwares etc.

Cybercrimes focussing the banking sector

Digital wrong doing can be seen as an act of infringement that includes target, instrument, source and network as medium. With a dramatic increase in digital business transactions, the wrong doings has advanced to the next level of cyber-crime.

Based on the investigation conducted by Juniper exploration in 2016, the world wide expenses of cyber-crime was estimated to be as high as 2.1 Trillion.

Digital violations can be generally classified into digital harassing, programming robbery, email spam, whole sale fraud and online robbery.

Digital wrongdoings

Digital wrong doings are performed using variety of techniques. They include:

  • Hacking: It is an act of gaining unauthorized access to a system to degenerate or view any misguided information
  • Phishing: This technique is used to steal personal data such as username, password, OTP etc.
  • Vishing: A malicious act of social designing through phone to gain access of an individual’s budgetary data to attain monetary benefits.
  • Spamming: Infected links or messages sent to a mass of population so that their devices get compromised.
  • ATM skimming: It is one of the recently developed methods that allows the attackers to trade off ATM machines by introducing a gadget on the keypad which copies every information entered by the users. In this way the malicious actors gather card numbers and passwords and later use them to do fake transactions.

Mobile phones play a vital role during online banking frauds. As they are used for a number of services like paying bills and service charges, web saving money, web based shopping etc., criminals acquire these data to perform unethical activities.

When hackers are unable to find any significant data, they destroy the bank’s site as a measure to show their effort and tactics.

Other than the benefits from digital assaults, dark web acts as a tool of cybercrime to trade individual data’s including web based managing accounts, card numbers, therapeutical records are exchanged for cash online.

Information’s are gathered from various sources like government reports, magazines etc. This will help in differentiating key parameters and to characterize the destinations.

Major findings

 Most of the cybercrimes aims at hacking and data fraud.

  • Banks are becoming the main targets of cyber-attacks as they hold a lot of money.
  • The security of the clients is at a greater risk since the attackers use modern technology to easily hack the bank’s database.

Suggestions to prevent bank fraud

  • For quick and instant results the people should report cases to the Digital wrong doing branch rather than involving either branch.
  • Awareness should be given to the public about the negative situations that may happen in this sector.
  • Punishments should be made strict.
  • The government should keep a record of every official happening in the bank.


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