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This website talks about a Payments Canada study that reveals that Canadian business are more at risk at payment fraud over consumers. Over the years payment frauds have become more advanced and businesses are more aware of the different tactics of payment frauds and are taking the steps to prevent it from happening. Common types of frauds are impersonator scams, intercepted e-Transfers, credit card fraud. More fraud attempts are through email but have grown via smartphones, social media, and e-commerce platforms. Safety precautions that businesses are starting to use are two-step authentications, AI-based fraud detection, amongst others for more security to prevent payment fraud.

Why I chose this website was to show that a large section of payment fraud is targeted to businesses especially bigger enterprises, but they continue to take consumers information to complete their payment frauds. It is good to be aware of the types of ways they are targeting businesses as they are using your information and could use those same methods on the consumers as well.

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Payment fraud – how bad is it in Canada?

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Poll sheds light on the risks for businesses

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CIBC Website talks about how debit and credit fraud happen to consumers and what you need to know. CIBC gives tips to prevent it from happening to you by being vigilant with your card, familiarizing yourself with fraud alerts and keeping your information to yourself. As well as recognizing different types of card fraud that is out there.

The reason I chose this website is because CIBC is a well-known financial institution that are giving helpful tips to use as well as giving you information to look out for and keep in mind. Knowing different ways card fraud can occur to you will help you know what to look out for and be mindful how and where you use your card.

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Recognizing debit and credit card fraud is important to keep your bank account safe. Use our tips to protect your PINs and cards from scams and vulnerable situations.

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Payments Canada Website reveals that due to payment fraud, Canadian’s payment habits have altered since they are concerned of scams which has led some to risk missing bill payments. With unauthorized transactions, impersonators and credit card fraud, the fraudsters are contacting Canadians via email, phone, text messages and social media which has people unsure what to trust and what not to trust.

This website I found interesting because it discusses that young Canadians between the age or 18 – 34 are more likely to fall victim to authorize push payment frauds, more likely to have money loss compared to older Canadians as we are manipulated more under false pretences online.

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Majority of Canadians alter payment habits due to fraud concerns — 13 per cent affected by payment fraud in the past six months | Payments

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More than one in five Canadians (22 per cent) risk missing bill payments due to concern of scams, reveals new Payments Canada study.

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TransUnion website has a fraud victims resource page where they put information for victims of fraud and tips from avoiding becoming a victim of fraud. They give helpful tools of simple ways to reduce the chances of fraud happening to you, identifying warning signs of fraud as well as restoring your credit report and amending fraud that has happened to you. Lastly answering FAQs for Canadians that have fallen victim to fraud.

The reason I chose this website is because this website gives you tips to reduce becoming a victim, warning signs and as well what to do after. We must become knowledgeable to reduce the risk with being careful and alert with our cards and accounts. Even if we are super careful, we are all still at risk and should know what to do when it does occur.

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Here you will learn about different types of debit and credit frauds that Canadians face daily. As well as tips to help reduce and/ prevent fraud from happening to you.

We will also look at ways how to deal with the aftermath if you fall a victim of debit or credit card fraud.

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Posted by the Government of Canada are tips how to prevent credit card fraud. It is good to have a checklist of things to remember and look at from time to time. Some of those listed might be simple and easy to remember compared to others like reviewing your credit report at least once a year and reporting any errors.

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This image is showing a strategic way to monitor all payments coming out of their account so they are aware of what they have spent and can keep a look out for any unfamiliar and potentially fraudulent activities on their accounts. This is a great way to stay alert and catch any fraud payments before it goes too far and have a large money loss.

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This video talks about how one way of credit card fraud protection works. Credit card companies track our spending habits through data of where we spend money on regular basis, where we live and where we visit most frequently to gather how we spend our money. That way if an irregular purchase is made it will be flagged as potential fraud.

I found this video to be interesting because we sometimes wonder what the safety precautions our credit card companies are doing for us or why our banks may freeze a payment or account because of an “irregular” purchase we made. I have had passed experience where the bank thought my purchase was not normal for me because I was buying something spontaneously.

It is good to know this so that if we happen to make a big purchase we do not normally do to make sure you verify with your bank you will be doing a big purchase or confirm after that it is in fact you.

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How Does Credit Card Fraud Protection Work?

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This video gives tips of what to do if you become a victim of credit card fraud to minimize the damage and secure your finances. It gives you detailed steps what to do if you fall victim of credit card fraud/ identity theft. From looking up all unauthorized transactions with date and amount of each, to contact your credit card company, completing an official report and putting a fraud alert on your credit report.

This is helpful having step by step instructions as someone might feel frustrated and overwhelmed and not know what to do first or may do a few steps and not to go further to cover their bases to make sure all parties that should know have all the information and potentially get reimbursed your full/ partial money loss.

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What to Do If You’re a Victim of Credit Card Fraud

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A video posted by CTV News regarding a major credit card fraud scheme in Toronto called project Déjà vu discusses how a group of people were creating fake identification to open bank accounts and apply for credit cards which was defrauding financial institutions.

The reason for the selection of this video is to make us aware of different fraud schemes happening around us in Canada to be aware of. This was targeted to financial institutions and businesses and not consumers, but it is important to know these things and pay attention. It shows how they could even take our personal information and use it to take out credit cards in our names.

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Toronto police arrest 12 people, lay 102 charges in major credit card fraud scheme

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This video talks about a story how a person got his identity and credit card information stolen through online shopping. He used a website he thought he trusted, and it turns out people stole his information and got access to his email and credit card to start making purchases.

This video shows another way fraudsters can gain your information when you think you are on a secured website once you give your name, email, address, and credit card information they may still be able to take that information and use it for their use. It’s a reminder to look at your own online security to make sure you are protected.

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Real cybercrime story: credit card fraud | NordVPN

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 Q1: What did you learn about your topic that surprised you the most?

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 Q1: What did you learn about your topic that surprised you the most?

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What I found most interesting about this topic was learning the various ways that debit/ credit card frauds happen. As technology is getting more advanced fraudsters and scammers are finding unique and more complex ways to gain peoples information to use and spend people's money.

The way they can gain information through people's online shopping, how they can have plant fake debit ATM's to get pin numbers, and creating "official" looking emails to trick people.

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Q2: Provide a real-life example of how this topic is relevant or interesting for you.

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Q2: Provide a real-life example of how this topic is relevant or interesting for you.

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A real-life example tip I learned was through my supervisor. She travels a lot and told me some tricks she uses while traveling.

#1: she leaves most of her credit cards at home and only carries her U.S. Credit card as most places take USD money and so that no one can steal or take her other credit cards abroad.

#2: When she is travelling she has to let her bank know she is leaving and will be spending money abroad as a safety feature so that they do not deny or freeze payments on the account that they may deem potentially fraudulent.

She has also had fraudulent activities happened to her accounts in the past where she has had to quickly cancel accounts. So I have learned information from her and after researching this topic I see what she's learned herself and more

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Q3:  If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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Q3:  If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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The most important thing I could pass on to someone I know is to be careful where and how you use your credit cards and debit cards as well as pay attention to your statements for any unusual payments that you do not remember doing. Sometimes it can be a small payment here and there you overlook but that can accumulate quickly.

We must all look into prevention tips that helps reduce the risk of having fraud happen to us and start implementing those tips and be on high alert and set up extra safety precautions to make it harder for people to get our personal information.