How Do Scammers Take Over Your Phone And Steal Your Money? - Part 1/2 | Talking Point | Full Episode
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- เผยแพร่เมื่อ 15 พ.ค. 2024
- Ever scroll through your social media and come across an advertisement for food or cleaning service? But an innocent ad could turn insidious when the seller asks you to download an app to place an order or booking. Since the start of this year, some 750 people have lost a combined total of over S$10 million to malware app scams. In this episode, host Steven Chia investigates how these scams work and attempts to bait a scammer himself.
00:00 Introduction
01:22 A deal too good to be true?
05:59 Malware: How does it work?
09:12 Could we easily fall for malware scams?
12:19 What a malware app might look like
18:55 Why are Android phones at greater risk than iPhones?
21:06 If I lose my money, will banks give my money back?
About the show:
Talking Point investigates a current issue or event, offering different perspectives to local stories and revealing how it all affects you.
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Lesson: be cautious and never be overconfident about your cognitive abilities. There is always someone smarter.
WOW!!!! Thank you for producing this program. Hopefully, more people will be more vigilant after watching it.
This is like the infamous USB drop attack, but with phones.
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I could listen to the first lady forever! So engaging, albeit what an ordeal she went through!
Such an important program. This should be seen by everyone. Its an eye opener to how easily money can be stolen. Thank you so much CNA
Maybe the banks should re-introduce the hardware token (or as a user option), so that not all withdrawals can be done digitally on the phone without user awareness/intervention.
Yes. and the DBS and Citibank data center issue during the weekends has showcased how vulnerable we are.
Putting everything to digital is not a good way foward, not without more proper security and backups
Junia is such an excellent storyteller! She was so entertaining 😄
Everything is good until around 5:14 where she mentioned something distasteful where she said she herself is educated, 'young' and smart. Please don't say things like that which is sensitive. Some would even argue that the fact that she fell for the scam means that she is in fact not smart.
@@laichongchao8266 Isn’t most everyone in singapore educated nowadays? Nothing to do with critical thinking though
@@laichongchao8266 exactly. She even self idolising when she said "someone as smart as her". That speaks a volume of her pride
@@laichongchao8266 Agree, very poor choice of words. At least use the words less tech savvy
@@laichongchao8266: “smart” enough to pay deposit first
No, as a cybersecurity expert, while it is one of the safest ways is to air gap the banking and potential malwares by having two separate phones, I don't think a lot of of cybersecurity experts recommend that. That incur extra cost and you have literally one phone sitting around doing nothing except banking stuff and you need to carry two phones, one of them just to paynow people and use tokenised credit cards, the other one to call people which also need two sim cards. If this is the case, might as well just carry cash and credit cards around and pay using the old ways. No, we don't recommend that.
Instead, the safest ways is to not use sideloading (meaning to install third party apps that is not through the official store). This is not to say that official app stores are invulnerable but reasonably safer. Be vigilant, don't any how install, don't any how click link, if it's too good to be true, it probably is not true.
I work in IT too. It is all common sense and easy to understand for us IT people. There is little to no solution for many technologically challenged users. Using 2 phones isn't a solution. That actually adds confusion to an already complex issue (to those users). There are no technology solutions to protect the weakest security, gullible humans. That lady sees several hoops (security warnings) but she decides to jump thru those hoops anyway in order to get free stuff. You just can't protect those kind of people except by locking down the device like Apple iPhone. No apps from external/unknown source allowed. Period. There are no workarounds.
@@shaggydawg5419 Spot on bro, I really don’t know what to make of the director of ABS. OMG
Can I ask what about the free games on android are they safe ?
@@Swimfit998 are you talking about games in Google app store or from external source (not from Google app store)?
Let's put it this way, apps in Google Play store have gone through extensive security checks and scans to ensure they're safe for users. I agree there have been a few instances where Google fails to weed out bad apps in their store but as soon as they find out, malicious apps are removed from their store and the creator gets banned. I'd say it is less risky but no one can guarantee it is 100% safe especially new apps/games that's just been released.
@@Swimfit998 Some are safe. Some will not be safe for other reasons, that means some are very intrusive because of the app developer's wanting end user's personal data. Some are not safe as they are malware disguised as legitimate apps. They already make fake websites with different malware.
Always read some of the reviews, read what some app developers want in exchange for using a free app, and still unsure then do online searches to cross reference with several websites. Free has been a lie for a long time bad marketing.
I think the reason people feel comfortable downloading is because they are asked to do it in person vs. authentic scamming which usually happens anonymously through adds
You are correct
great job to Steve/CNA, always making really great, really relevant day to day topics
“Young and smart” yet don’t know what she is installing on her phone.😂
I wouldn’t expect a scam related to chicken
Those kids downloaded the app to get bubble tea too 😂
Cringe max
@@M_SC there's already scams involving hiring maids as well..😅
thank you for informing the public. greatly appreciate it
excellent work to make people aware of the risk!
Thanks CNA for another excellent documentary! 👍👍👍
this is so educational, so timely too. thanks CNA for the timely vdeos!
Thank you guys for making these videos, it's helpful.
Same thing if any stranger texted you a link, do not touch it! Delete the text immediately. So, as any phone call, they asked for all your personal info.
Is Steve going to deliberately get scammed for 2 weeks just for us this time?
Learning the process of scamming is vital
man is doing gods work
Nah hes going to do the scamming for 2 weeks
Steve is the hero we need but dun deserve
He high chance use a empty bank account 😂
Amazing video such a great post especially during cyber security awareness month in Oct !
I just love Julia. I am glad that she came forward to tell her story.
i love this series, please keep it up💛💛💛
The first statement makes me wonder if Steve is still recovering from the bubble tea episode 😂
This is an awesome PSA, but also well worth providing subtitles in the different languages for our non-English speaking folks so they know this is happening too.
Thank yo for this great reporting. It will help me stay safe on my next visit to Singapore and beyond.
This is very important and informative.....👍
Can't wait for part 2
This is very valuable information. Thanks.
👍 very informative and scary. I'm so glad I'm not fond of scanning qr codes and downloading apps.
CNA, Thank you for producing and sharing this educational video. If I have seen this video earlier I may not fall as one of the victims of a scam offering delivery of take-away food.
Thanks for this ,learnt something new
Excellent work, *Vortextrace* - I’m grateful that you are out there fighting against these individuals who lack moral principles. We must do everything within our power to spare the elderly and the wider public from these despicable scammers! Congratulations to you!! You deserve the highest honor for your role in keeping us safe, brother.
Lesson is not to be greedy.
Also there's no such thing as free lunch
That’s not the lesson. She wasn’t greedy
@@M_SCShe was. Worst of all, it was for extra nuggets.
@@M_SCshe wanted extra stuff. How is that not greedy. If not greedy in first place, just call any restaurant or shop for delivery. No need download app for good deal
thanks for the tutorial
Thank you so much.
Good work
This malware scam really need to be advertised more, a lot of people will become victims!
Good lesson....thanx
That is a really great way for educating the danger of malware and even dismiss Android phone's warning for malware app
Thanks CNA for making this great educational video
Thanks for the information. We now know how malware apps inflitrates into our mobile. The suggestion of having 2 mobiles is good but the capital outlay is a concern, plus there will also be situations where mobile users interchangeably use the mobiles i.e. insert important passwords in play mobiles and vice versa. We can’t fall back to having just 2 mobile as the solution. At the end of this, mobile users will need to still be vigilant, a vigilant mindset .
Kudos for this CNA!
Ty for the video.
The problem is people don't learn and take it for granted. due to pure greed, people will just foolishly believe the scammers and gave their money away.
OMG Not everyone can afford two mobile phones! I won't want to spend extra money and bring two phones out just for this purpose too. Just give us the physical tokens back.
Not true. Many phones even 2nd hand phones are below 100 bucks
Omg i am sure your police report will help u when the scammers took the money
@@marvint480second hand phone are dangerous ykno, it can have something inside that u wouldnt even know
So i suggest never do so no matter how broke u are
Just buy new phone thats cheaper in market currently which is a lot safer
Stay safe my man
The ABS director probably misunderstood her cyber expert, even though that is the safest ways. As a cybersecurity expert in the field, I don't recommend having that because it doesn't make any sense to air gap the phones, might as well just do banking the traditional way, meaning, no ibanking, no tokenised credit cards, just do banking the old way.
It’s just plain stupidity to have 2 mobile phones. Neither do I want to pay for the subscription for 2 mobile phones. Should the scammers outsmart us when we all have 2 mobile phones, what other gadgets must we acquire? Lol
Nothing is for free. Thanks for rasing the awareness! 😊
volume sounds good, I like the narrower view better than that xx wide view. like you said too distorted! Good to see Granny, she is looking good! Thanks!
"I'm young and smart.“ Okay, lady.
Very educational.
She want to order dinner but she got enough time to rush to 4 banks to suspend her banks before bank closes? Why it sounds abit extreme to me?
i like how she speaks and explain everything... like very exciting...
Ok that ending was anticlimactic. Maybe I have been watching too much Scammer Payback & Jim Browning, I really thought Steve was gonna counterscam the scammer lol 😅
Last year, the Philippines 🇵🇭 authorities closed 175 Chinese gambling organizations,
and deported 40,000 Chinese nationals who entered into the country and worked illegally, many as *online scammers and other shady activities.*
No country is more vulnerable to hacks than the Philippines. One reason is Filipino companies don't want to pay for higher security. The second is most Filipinos are uneducated therefore are susceptible to scams.
Those NFSC Himalaya Miles Guo the Scammer syndicates
This is good episode, should show on all channels, not all pple watch cna.
Thank you so much, this is very important and informative
will be good if can do a chinese speaking version for elderly to watch like 绳之以法
Excellent episode. May i know is there any equivalent thing like this from Mediacorp's chinese side? So i can forward to the older generation to watch.
Great metaphor for Trace Together.
Great video CNA
Crazy how they attack your stuff just by downloading an app, that lady was smart by turning off her phone when she noticed the other apps were flickering.
0:23 you must be wondering why I AM hiding* not wondering why am I hiding...
What about those restaurants implemented QR code scanning for do it yourself menu ordering? A scammer can just walk in, n stick the scam QR code over the authentic restaurant QR code??
Actually the whole video i like the most is your mercedes 😂 .. classic!
Funny thing is, older folks who are not as 'smart' are also not as tech savvy. Generalisation my part but that is not the point! lol
Junia Tan was lucky that nothing was taken from her account, reason for her account was not touched because she ran to the bank which most likely disconnected her phone to her home WiFi that would have prevented the scammer from continuing with the process. Remember scammers need Internet connection to perform such attacks.
An advice to all in situations like this if you can't power your phone, or turn off WiFi, what you can do is power off your home WiFi AP (access point) or turn off the router.
Like the phone doesn’t have an internet connection through mobile data?
I think all of us need to stick to physical SIM and carry a SIM Extractor soon, now got zero download hacking as well. Malwares are getting more and more high tech everyday after watching part 2 of this series. Scary.
Greed is the root of all evil. Never be tempted by freebies.
For me your new time of just after 10 am is very suitable as this allows me to work in garden from 6 to 9:30 then BKF before you news comes on. Actually does not really matter as not live so can tune in anytime. Good content.
Best advertisement for IPhones.
here in Canada there's not enough advertisement for scammer, they should bring out more advertisement to protect everyone
Some people blame government or banks. But why not blame those greedy victims. Or even better blame Facebook for allowing scam ads
why blame everything else but not strengthen your own walls?
In terms of banking apps, I think one security feature they could implement is blocking screenshots/screen recording from within the banking app itself maybe typing monitoring too. It is something I see on some of my banking apps on android. Although its quite annoying too that some also forces us now to disable Developer Mode prolly as for they say security purposes all the while this is the perk of an android overall, the configurability and customizability.
we need to have a chinese version for this episode!
No need. Their info all sent to china if they use Chinese phones
Wow, malware and social engineering experiment!
Thank God Junia is so smart to block the accounts just in time
The first rule u need to keep is not to be greedy, secondly, be vigilant at all times and lastly, never believe in anything that is too good to be true.
Including the 2 mashed potato would have got me 😋
Perhaps Google and Apple have to be partly responsible as well. .
This episode is good to educate on malware scams, hope that there will be a Chinese version to share with the older folks
the problem with many elderly is that they have zero interest to learn new things and/or have zero concept on how technology works. They will either not watch it or watch the clip but lose interest or don't understand anything they're talking about (regardless of the language). I know this because I have many relatives in the senior stage of their life. All of them have zero interest in this kind of topic.
Junia Tan said: "I'm educated, right? ... someone young smart like me..." And yet she fell for a few pieces of chicken and nuggets. What's worse is that she is still so full of herself and naive even after being scammed (despite being so lucky). Well, there's a sucker born every minute. lol
If it's too good to be true, it's a scam. Can't believe she fall for that kind of deal. Why not just order from grab.
Greed
That’s why Steve might be smiling.
You are the dummy here, victim blaming rather than condemning thievery, and falling for the just world cognitive fallacy. Ha!
the moment she said "8 bytes", i figured that she's not tech-savvy already. still want to self-proclaim as smart
Should Facebook accountable for letting scamers on their platform?
Haha anything for a free bubble tea!! 😅
How smart is it to continue downloading something that you have been warned is compromised!!
the first woman is so exuberant HAHA love her passion
there are definitely more security protections that banks can do. That lady from ABS should instead also talk to the banks to step up their measures, not just advising customers to have 2 devices!
GREAT!
This is a great video. Can we have a version dubbed in Chinese or with Chinese subtitles so that my elderly parents can be educated about the dangers as well.
This is why you love platform ads...
Scam Ads from youtube just before this video, how convenient !
Steve please make a video on scam calls that calls out our name as well. And if there is any effective way to help steer them away. On TH-cam there is a channel that tried roping a group volunteers to waste scammer time and get them to provide the acct number they want us to transfer to get it shut down. Can u try if it works in Singapore. :D
very interesting to know about these scammers and also android phones are really not safe. Still trust my good old iphone!😊
CNA should bring awareness of the need for an independent hardware security token as 2FA authentication to protect ourselves from such malware.
Junia is funny. I'm educated too! And sometimes better not be tam jiak! Nowadays, scammers are evolving and engaging, so, don't get into those 'conversations' with them anywhere, online or face to face!
Lines like "all you have to do" really does put convenience at a whole new level!! I'd rather walk to the nearest convenience store! And pay cash!
This shows that all banks are too lax on their security, and they are not interested in protecting their customers' money. All banks should be held full accountability for any losses to their customer's funds!!!
I think you've got great potential to work in the banks for cyber security. Please seriously consider that, and help us guard against the scammers! After all, it is solely the bank's responsibility to protect our money! 100%! How dare they be so lax to OUR money!
Ha has given great idea for scammers to work
more please.😘😘😘😘😘
Good job, CNA! Can translate into other languages for other channels as well? For public education...
Haiya! This episode makes me feel like a Singaporean!
Can CNA do an episode on fake friend scam methods just to raise awareness ?
I like how she said "maware" 😅😅
I use touch ID for bank and other apps, rarely use any passwords these days
This episode is very important, I hope it comes with Chinese too, so the elderly can know too.
And also do one episode regarding Ai fake voice scams
I am actually already have four active phones, one from 3Gseries that receive bank alerts and OTP. And do not use your phones for phone banking please. I am a Computer educator. And QR codes are designed badly and can be changed at will. I escaped from five cases with phone calls. More details if you ask me. Also do not go for free things.
Phones are the only way half the world can access the internet. Your solution indicates you should not be teaching security when you have zero knowledge or empathy for the people you fail to teach
@@M_SC Phones have become Mobile and International
@@M_SChe also said more details if you ask him. Also do not go for free things. He’s probably gonna scam people and charge them for his education