Phising is one of the fraud mode that is often carried out by fraudsters. Phishing is a cyber attack that aims to steal sensitive information, such as usernames, passwords or financial data, by impersonating a trusted entity. This method is generally carried out via email, text messages, or fake websites that resemble legitimate sites.

Victims are often asked to click on links or download attachments that contain malware or forms that ask for personal information. As time goes by, the phishing methods used by fraudsters are becoming more numerous and varied. Recently, there have been a lot of frauds targeting the public by winning prize draws. This seemingly simple method makes victims unaware because it is effective in stealing sensitive data. In order not to get trapped, it is important for you to recognize this fraud mode and understand the preventive steps that can be taken.

How does Lucky Draw Phishing Work?

1. Fake Notification

Fraudster sends an email, text message, or notification via social media informing the victim that they have won a prize draw. This message usually uses an attention-grabbing title, such as "Congratulations! You won a prize of IDR 10,000,000!" or "Claim your reward now!"

2. Malicious Links or Attachments

In these messages, perpetrators usually include links that lead to fake websites that look very similar to legitimate sites. These links direct victims to fill out forms or provide personal information, such as credit card numbers, bank account numbers, or other personal data.

3. Request Payment or Claim Fees

In some cases, to “claim the prize,” the perpetrator may ask the victim to pay a claim fee or shipping costs for the prize. Of course, this is a trick to use the victim's money without giving any reward.

4. Pressure and Urgency

Perpetrators often create a sense of urgency in their messages, for example by saying that the prize must be claimed within a certain time or it will be lost. This aims to encourage victims to make quick decisions without thinking twice.

5. Fraud Using Famous Brand Names

This mode often involves using the name of a large company or brand (e.g., a bank, e-commerce company, or well-known sweepstakes organizer) to increase the victim's confidence that the message is legitimate.

How to Avoid Lucky Draw Phishing Phishing Mode

1. Never click on links or download attachments from unknown sources

2. Double-check the email sender address or message sender number to ensure authenticity

3. If you think you've won a prize but don't remember entering the draw, it's most likely a scam.

4. Do not provide personal or payment information if you are not sure of the validity of the offer

5. If fraudster disguised as a person on behalf of Bank Neo Commerce, you can contact Bank Neo Commerce’s customer complaints service for verification. Contact Bank Neo Commerce’s customer complaints service immediately to request verification. BNC agents can help check whether transactions have actually entered the account.

The official channels of Bank Neo Commerce are as follows:

· Telepon : 1500-190

· Email : customercare@bankneo.co.id

· Facebook : https://www.facebook.com/bankneocommerce

· Instagram : https://www.instagram.com/bankneocommerce/

· Twitter : https://twitter.com/bankneocommerce

· YouTube : https://www.youtube.com/channel/UCg299vJCx1tqEv4vMoMIv3g

· LinkedIn : https://www.linkedin.com/company/pt-bank-neo-commerce-tbk

· TikTok : https://www.tiktok.com/@bankneocommerce

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PT Bank Neo Commerce Tbk is licensed and supervised by the Indonesia Financial Service Authority (OJK) and Bank Indonesia (BI), and an insured member of Deposit Insurance Corporation (LPS).