Bank frauds also include crimes committed by individuals to obtain economic benefits, this through the fraudulent use of credit cards, identity theft and this generates the forgery of signatures or other documents, as well as other deceptions or scams.

During an interview conducted by Dinero.com.sv to Erick Fortin, CEO of Sefisa, who addressed the issue of bank fraud, he mentioned that a bank fraud is nothing more than deceiving the consumer or people who are in the chain of authorization of a transaction in order to obtain an economic benefit.

Among the most common types of fraud that exist in relation to digital technology according to the CEO of Sefisa is phishing, which consists of impersonating someone who does not correspond to the owner of the credit or debit card, in order to extract information of any kind such as: user, password of electronic banking, to gain access and from that look for a place to get the information.

According to a study conducted by the International Criminal Police Organization (INTERPOL) during the year 2020, there was an increase of 59% in bank fraud globally, due to the fact that many users work from home because of the pandemic.

During the pandemic, there was also an increase of 36% in frauds through links requesting codes or through social networks, and a 238% increase in attacks such as phishing, ransomware, among others, in technology providers, said Erick Fortin during the interview.

"One of the most prepared sectors in cybersecurity are banks, it is one of the sectors that invests more in banking, its systems, its communications, digital channels", said Erick Fortin, CEO of Sefisa.

Among some measures that banks are using to ensure cybersecurity and protect their users are the following:

• When you make a transaction, online banking is connected with your email, automatically when you make this transaction notifies you in your email and if it is not you who has made it, you can automatically call the bank and make effective the claim.
• Some banks ask you to install some kind of protection in your browser and when you enter the bank you already have a protection system and they ask you to review your navigation.

The subject of the use of Bitcoin currency and whether the level of fraud can increase was also addressed, so the cybersecurity expert spoke about it.

"Evidently, when it becomes more digitalized, is that to say  when there are many more people making transactions, the attack surface of cybercriminals may increase, caused by the increase in the population that will be making transactions",  he said.

He added, they collaborate with their clients such as: government institutions, private companies, banks to provide and serve products and services that improve the cybersecurity of companies.

"We are collaborating with companies to design awareness campaigns for users and train them to recognize certain attacks, for example: we make simulated phishing attacks for certain companies, using the same techniques to see the user's reaction", he said.

The purpose of these actions is to train the user to educate him and recognize the characteristics that the user or client could have seen and avoid being a victim of bank fraud.