Chinyengo ku Netherlands: Buku Lathunthu Lozindikira ndi Kupewa Chinyengo

Chiyambi: Kodi Chinyengo Ndi Chiyani Ndipo Chifukwa Chake Ndi Chofunikira Kwa Aliyense

Tanthauzo : Chinyengo ndi mlandu wofala ku Netherlands pomwe zigawenga zimanyenga anthu kuti apeze ndalama kapena katundu wamtengo wapatali. Mu bukhuli, muphunzira tanthauzo lenileni la chinyengo, momwe mungachizindikire komanso momwe mungadzitetezere bwino. Chinyengo ndi mlandu ndipo chingayambitse kuzengedwa mlandu. Cholinga cha wachinyengo ndikupeza ndalama kuchokera ku chinyengo kapena kupindula mwanjira ina. Udindo wa wozunzidwayo ndi chinthu chofunikira kwambiri poyesa chinyengo. Njira yodziwika bwino yomwe achinyengo amagwiritsa ntchito ndi kudziona ngati munthu wina, kudzinamiza kuti ndi munthu wina kuti anyenge ozunzidwawo.

Tsiku lililonse, anthu ambiri a ku Netherlands amakumana ndi anthu achinyengo omwe akuchulukirachulukira. Kuchokera pa chinyengo cha WhatsApp kupita ku chinyengo cha pachibwenzi, chinyengo chamakono chimatenga njira zambiri ndipo chimakhudza aliyense. Anthu ambiri amaona ngati ataberedwa mwachinyengo. Zigawenga za pa intaneti zikuchulukirachulukira pakupanga maimelo, ma meseji, mauthenga a WhatsApp ndi makalata ochokera kubanki. Kuonjezera apo, akukhala aluso kwambiri podziwonetsa ngati mabanki. Chinyengo chochitira zibwenzi chimaphatikizapo anthu achinyengo amene amadzinamizira ngati zibwenzi zabodza pa malo a zibwenzi kuti apeze ndalama. Obera nthawi zambiri amakhala ndi nthawi yochepa yoti agwire, motero amagwira ntchito mwachangu komanso moyenera. Bukuli lili ndi mfundo zazikuluzikulu za chinyengo, kuzindikira zizindikiro zochenjeza, njira zodzitetezera komanso zomwe muyenera kuchita ngati mwaberedwa.

Chitsimikizo chamsanga cha zomwe mwaphunzira: matanthauzo azamalamulo, kuzindikira kothandiza, chitetezo chogwira ntchito, ndi mapulani okhazikika amikhalidwe yokayikitsa. Chinyengo chikhoza kuchitika kudzera pa maimelo abodza, mameseji, ndi makalata. Mabanki ndi mabungwe amachenjeza mwachangu za mitundu yatsopano yachinyengo kuti ateteze anthu kuzinthu izi.

Kumvetsetsa Chinyengo: Mfundo zazikuluzikulu ndi matanthauzo

Matanthauzo ofunikira

Chinyengo chimafotokozedwa mwalamulo mu Article 326 ya Criminal Code ngati chinyengo chachikulu chomwe wolakwira amagwiritsa ntchito chinyengo kukopa munthu wina kuti apereke ndalama, katundu kapena kulowa m'maudindo. Kuti chinyengo chichitike, imodzi mwa njira zachinyengo zomwe zalembedwa mu Article 326 ya Criminal Code ziyenera kupezeka, monga ukonde wa mabodza. Cholinga chake nthawi zonse ndikupeza phindu losaloledwa kwa inu kapena anthu ena. Cholinga cha munthu wachinyengo ndicho kupeza ndalama mwachinyengo kapena kupindula m’njira zina. Ku Netherlands, chinyengo chafotokozedwa mu Article 326 ya Criminal Code. Ku Belgium, chinyengo chimalangidwa ndi Article 496 ya Criminal Code.

Zofananira zofunika ndi mawu ofananira nawo:

• Chinyengo: Mawu owonjezereka otanthauza chinyengo mwadala
• Chinyengo: Kusocheretsa ndi cholinga chachinyengo
• Kubera: Mawu osakhazikika achinyengo
• Machenjera anzeru: Nthawi yovomerezeka ya njira zosokeretsa

Malangizo Abwino: Dziwani kuti achinyengo nthawi zambiri amagwiritsa ntchito mayina abodza, maina abodza kapena zinthu zabodza kuti akudalireni. Kuzindikira machitidwe awa kudzakuthandizani kukutetezani. Chinyengo kudzera pa malo ochezera a pa Intaneti chimaphatikizapo zopereka zabodza kapena kudziyesa anthu odziwana nawo kuti aba zambiri kapena ndalama. Chinyengo cha WhatsApp chimaphatikizapo kuyimba foni yabodza mwadzidzidzi kuchokera kwa munthu wodziwika amene akupempha ndalama. Banki yanu sidzakufunsani tsatanetsatane wolowera, ma code achitetezo kapena kusamutsa ndalama ku akaunti ina kudzera pa meseji, WhatsApp, imelo kapena foni.

Maubwenzi amalingaliro

Chinyengo chikugwirizana mwachindunji ndi:

• Zigawenga: Chinyengo pa intaneti kudzera pa intaneti komanso pawailesi yakanema
• Chinyengo chachinsinsi: Kugwiritsa ntchito molakwika deta yanu
• yofuna: Kuyesera kwa digito kuba zambiri zolowera. Phishing ndi njira yomwe anthu achinyengo amabera zambiri zanu kudzera pa ulalo wa imelo kapena uthenga wabodza.

Mapu osavuta a ubale: chinyengo â†' kutaya chikhulupiriro â†' kupereka ndalama/katundu â†' kuwonongeka kwachuma ndi malingaliro â†' kupereka lipoti ndi chithandizo cha ozunzidwa.

Chifukwa chiyani chinyengo ndi vuto lalikulu ku Netherlands

Chinyengo chimakhala ndi zotsatira zowopsa kwa ogula achi Dutch. Malinga ndi a Fraud Help Desk, anthu aku Dutch adataya zoposa €500 miliyoni chifukwa chachinyengo cha pa intaneti mu 2023 - chiwonjezeko cha 20% poyerekeza ndi chaka cham'mbuyo. Anthu okonda kupanga omwe ali ndi luso lochepa lazamalonda amakhala chandamale cha anthu achinyengo. Mlandu wodziwika bwino wachinyengo umaphatikizapo kulembetsa kwa telefoni, kumene wina amakakamizika kutenga zolembetsa, pambuyo pake wonyengayo amatha ndi mafoni.

Ziwerengero zazikulu:

• Malipoti opitilira 35,000 achinyengo mu 2023
• Chinyengo pa WhatsApp: kutayika kwapakati kwa £2,400 pamunthu aliyense
• Chinyengo pakuyika ndalama: kutayika kwapakati €12,000 pamunthu aliyense
• 65% ya malipoti onse amakhudza zachinyengo pa intaneti
• Nthawi zambiri, anthu achinyengo amapereka zinthu zabodza, monga zamagetsi zabodza kapena zinthu zomwe palibe.
• Ozunzidwa angakhale ndi ufulu wolandira malipiro ngati ndalama zambiri zabedwa

Kukhudzidwa kwamalingaliro kumapitilira kuwononga ndalama. Ozunzidwa nthawi zambiri amakhala ndi manyazi, kutaya chikhulupiriro komanso kupsinjika maganizo. Mabungwe monga Victim Support Netherlands akunena kuti anthu omwe amachitiridwa chinyengo amafunikira chithandizo chanthawi yayitali. Si zachilendo kumangokhalira kuvutika maganizo munthu atachitiridwa chinyengo.

Pankhani ya katangale m’misika, n’zofala kuti anthu amene akhudzidwa ndi ngoziyo analipila koma osalandila cinthu.

Chidule cha mitundu yodziwika bwino yachinyengo ndi tebulo lofananiza

Zizindikiro zochenjeza: Kukakamizidwa kuchitapo kanthu mwachangu, zopempha zaumwini, zolakwika za chilankhulo kapena kalembedwe m'mauthenga, ndi zopereka zomwe zikuwoneka zabwino kwambiri kuti zisachitike. Musadina maulalo m'maimelo ndi mauthenga omwe mumalandira kuchokera kwa alendo. 'Machenjerero olankhula' amatanthauza alendo omwe amayandikira munthu kuti amukhulupirire kenako nkuba zinthu zamtengo wapatali.

Zanzeru Zachinyengo: Njira Zachinyengo Zavumbulutsidwa

Machenjerero anzeru ndi njira zanzeru komanso zotsogola zomwe anthu achinyengo amagwiritsa ntchito poyesa kunyenga ozunzidwa. Njira zimenezi nthawi zambiri zimakhala zokhutiritsa moti ngakhale anthu osamala kwambiri akhoza kugwa nazo. Achinyengo amagwiritsa ntchito njira zosiyanasiyana zamachenjerero, monga kutchula dzina labodza, kudzionetsera ngati gulu lodalirika, kapena kulemba nkhani yodalirika imene imakhudza maganizo ndiponso kukhulupirirana.

Pazanyengo zapaintaneti, zinyengo izi zitha kuwoneka mu maimelo achinyengo omwe akuwoneka kuti akuchokera ku banki yanu, kapena mu mauthenga a WhatsApp ochokera kwa 'bwenzi' kapena 'wachibale' akufunsani ndalama mwachangu. Ozunzidwa amafikiridwanso pamasewero ochezera a pa Intaneti komanso kudzera m'mameseji ndi nkhani zomwe zimawoneka ngati zabwino kwambiri kuti zikhale zoona, kapena ndi vuto lofulumira lomwe liyenera kuthetsedwa mwamsanga potumiza ndalama.

Kuzindikira zachinyengo izi kumayamba ndi kuzindikira. Nthawi zonse dzifunseni kuti: Kodi nkhaniyi ndi yomveka, kodi izi ndi zomveka, ndipo ndingathe kutsimikizira yemwe watumiza? Samalani ndi zizindikiro monga chinenero kapena kalembedwe, zopempha zachilendo zokhudza inuyo, kapena kukakamizidwa kuti muchitepo kanthu mwamsanga. Ochita chinyengo amasewera pakukhulupirira kwanu ndikuyesera kukupangitsani kukhulupirira kuti mukuchita ndi gulu lodalirika. Mwa kukhala tcheru ku mitundu yachinyengo imeneyi, mungadziteteze kuti musakhale mkhole wa chinyengo.

Dziwani kuti anthu achinyengo nthawi zonse amasintha njira zawo. Chifukwa chake, khalani odziwa zamitundu yaposachedwa yazachinyengo pa intaneti ndikugawana zomwe mukudziwa ndi ena. Mwanjira iyi, simudziteteza nokha, komanso omwe akuzungulirani ku misampha yachinyengo ya anthu achinyengo.

Mtsogolereni Pang'onopang'ono Podziteteza Nokha Ku Chinyengo

1: Zindikirani zizindikiro zochenjeza

Mndandanda wa mbendera zofiira:

• Mauthenga osayembekezereka ochokera ku "banja" kudzera pa nambala yosadziwika
• Kukakamizika kusamutsa ndalama mkati mwa nthawi yochepa
• Zopempha zogawana khadi lakubanki, PIN kapena zambiri zolowera
• Maimelo okhala ndi anthu okayikitsa akumanamizira kukhala banki yanu
• Zopereka zopindulitsa zomwe sizingachitike
• Osayankha mameseji okayikitsa kapena mafoni akufunsani zambiri zanu kapena ndalama

Chitsanzo: Mwalandira uthenga wa pa WhatsApp kuchokera ku nambala yosadziwika: “Moni Amayi, iyi ndi nambala yanga yatsopano. Foni yanga yabedwa. Kodi mungasamutse £500? Ndikubwezerani mawa.” Iyi ndi chinyengo chachikhalidwe cha macheza.

Zoyenera kuchita mukakhala ndi kukayika: Imani, nthawi zonse fufuzani kudzera pa njira ina (imbani nambala yodziwika), ndipo tsimikizirani kuti ndinu ndani musanachitepo kanthu.

2: Yambitsani njira zodzitetezera

Chitetezo chaukadaulo: * Gwiritsani ntchito mawu achinsinsi olimba komanso apadera pa akaunti iliyonse

• Yambitsani kutsimikizika kwazinthu ziwiri pamaakaunti ofunikira
• Ikani mapulogalamu abwino a antivayirasi ndikusunga zatsopano
• Gwiritsani ntchito malumikizidwe otetezeka okha (https://) kwa malipiro
• Gwiritsani ntchito kubanki pa intaneti pakompyuta ndi foni yam'manja yomwe mapulogalamu ake ndi chitetezo zimasinthidwa pafupipafupi
• Gwiritsani ntchito mawu achinsinsi amphamvu, apadera omwe ndiatali komanso ovuta, ndipo musagwiritse ntchito mawu achinsinsi omwewo pamaakaunti osiyanasiyana
• Sungani malo omwe mumabanki pa intaneti mwachinsinsi, ngakhale kwa anthu omwe mumawadziwa bwino

• Gwiritsani ntchito mawu achinsinsi amphamvu, apadera pa akaunti iliyonse
• Yambitsani kutsimikizika kwazinthu ziwiri pamaakaunti ofunikira
• Ikani mapulogalamu abwino a antivayirasi ndikusunga zatsopano
• Gwiritsani ntchito malumikizidwe otetezeka okha (https://) kwa malipiro

Malamulo a kachitidwe:

• Osagawana nawo khadi yanu yaku banki, PIN kapena zambiri zolowera
• Ngati mukukayika, nthawi zonse tsimikizirani kudzera pamayendedwe ovomerezeka
• Tengani nthawi yanu popanga zisankho zofunika zachuma
• Samalani ndi zambiri zanu pazama TV
• Mabanki samakufunsani kuti mutumize makadi anu a debit

Zinthu zomwe mungayembekezere: Mapulogalamu ovomerezeka a banki, zosefera za sipamu mu imelo, ndi ntchito yodziwitsa banki yanu.

Khwerero 3: Dziwani zoyenera kuchita pakakhala zokayikitsa

Chitanipo nthawi yomweyo mukakayikira china chake:

Kuchitapo kanthu mwachangu ngati pali kukayikiridwa: * Lumikizanani ndi banki yanu nthawi yomweyo kuti muletse kulipira

• Sungani zithunzi ndi zolemba za mauthenga okayikitsa
• Nenani kupolisi (pa intaneti kapena kupolisi). Ndikofunikira kudziwa komwe munganene komanso momwe mungachitire kuti muthandizidwe mwachangu komanso moyenera.
• Nenani zachinyengo ku Desiki Yothandizira Zachinyengo: 088-7867372. Lumikizanani ndi banki yanu nthawi yomweyo ngati mwagawana zambiri zolowera kapena ma code achitetezo. Mabanki ena ali ndi manambala apadera a anthu omwe amachitiridwa chinyengo.
• Sungani zithunzi ndi zolemba za mauthenga okayikitsa
• Nenani zomwe zachitika kupolisi (pa intaneti kapena kupolisi)
• Nenani zachinyengo ku Desiki Yothandizira Zachinyengo: 088-7867372. Lumikizanani ndi banki yanu nthawi yomweyo ngati mwagawana zambiri zolowera kapena ma code achitetezo.

Thandizo kwa ozunzidwa: Musazengereze kulankhulana ndi Victim Support Netherlands kuti mupeze chithandizo chamaganizo ndi malangizo othandiza kuti achire. Ozunzidwawo angapezenso thandizo ndi upangiri apa wokhudza njira zotsatirazi mutanyengedwa. Ngati muli ndi zaka zosakwana 18, mutha kulankhulana ndi De Kindertelefoon.

Zolakwitsa zomwe zimakupangitsani kukhala pachiwopsezo chachinyengo

Cholakwika 1: Kudalira anthu osadziwika mwachangu Anthu ambiri amayankha nthawi yomweyo mauthenga ochokera kwa manambala osadziwika omwe amadzinenera kuti ndi achibale kapena mabwenzi. Achinyengo amapezerapo mwayi wopezera chidaliro chathu chachilengedwe komanso kuthandiza.

Cholakwika chachiwiri: Kudina maulalo popanda kutsimikizira maimelo a phishing akukhala akatswiri kwambiri. Kudina ulalo womwe uli mu imelo yokayikitsa kungayambitse chinyengo cha kudziwika kapena matenda a pulogalamu yaumbanda.

Cholakwika chachitatu: Kugawana zambiri zaumwini chifukwa cha ulemu. Achinyengo amagwiritsa ntchito ukadaulo wa anthu kuti anyenge anthu. Amapempha zambiri kuti zitsimikizidwe kapena kupangitsa kuti nthawi ichepe.

Malangizo Abwino: Gwiritsani ntchito lamulo la maola 24 - nthawi zonse tengani tsiku limodzi kuti muganizire za zopempha zachuma zosayembekezereka. Zadzidzidzi zenizeni nthawi zambiri zimatha kudikira tsiku limodzi.

Nkhani zenizeni zenizeni: Chinyengo chandalama kudzera pa WhatsApp

Kafukufuku: Marianne wochokera ku Utrecht adataya €15,000 chifukwa cha achinyengo a ndalama za digito mu Marichi 2024

Poyamba: Marianne (52) adawona malonda pa Facebook okhudza kuyika ndalama mu ndalama za digito. Atadzaza fomu yolumikizirana, adafikiridwa kudzera pa WhatsApp ndi "mlangizi wa zachuma" yemwe adadzidziwitsa kuti ndi Thomas wochokera ku kampani yotchuka yoyika ndalama.

Masitepe omwe achiwembu adachita:

1. Kumanga kudalirana: Kulumikizana tsiku ndi tsiku, kuwonetsa kupambana pang'ono papulatifomu yabodza
2. Phindu labodza: Pambuyo pa €500 deposit, nsanja idawonetsa €750 'phindu'
3. Kuchuluka: Kukakamizidwa kuyika ndalama zambiri kuti mupeze 'mwayi wapadera'
4. Kukhumudwa: Pambuyo posungitsa €15,000, maakaunti onse adatsekedwa

Chotsatira chomaliza:

• Kutayika kwathunthu: £15,000 pakusunga
• Kukhudza m’maganizo: Kukhumudwa, manyazi, kutaya mtima
• Milandu: Adanenedwa kupolisi, zomwe zikuchitikabe

Malipoti achinyengo: komwe, motere komanso chifukwa chiyani

Kupereka malipoti zachinyengo ndi sitepe yofunika kwambiri ngati munachitiridwa chinyengo. Pofotokoza zachinyengo, simukungodzithandiza nokha, komanso ena: mukuthandizira kuyimitsa chinyengo ndikuletsa anthu ambiri kuti asagwere m'chinyengo chomwecho. Ku United Kingdom, mutha kukanena zachinyengo kwa apolisi, kaya pa intaneti kapena kupolisi. Kuphatikiza apo, The Fraud Help Desk ndi malo operekera malipoti ofunikira momwe munganenere zachinyengo pakompyuta kapena pafoni.

Ndikofunika kuti mukhale omasuka kulankhulana ndi akuluakuluwa, ngakhale simukudziwa ngati chinyengo chachitikadi. Ogwira ntchito awo akhoza kukulangizani njira zabwino zotsatila ndikukuthandizani kupeza umboni. Pofotokoza zachinyengo, mumawonjezeranso mwayi wanu wolandira chipukuta misozi, chifukwa mlandu wanu udzalembetsedwa ndikufufuzidwa.

Malipoti achinyengo ndi ofunikira pothana ndi achinyengo. Amathandiza apolisi ndi mabungwe ena kuzindikira machitidwe, kuzindikira mwamsanga mitundu yatsopano yachinyengo ndikuthandizira bwino ozunzidwa. Choncho musadikire motalika kuti munene. Sonkhanitsani zambiri momwe mungathere, monga maimelo, mameseji, malisiti olipira ndi zina zofunika, ndipo funsani apolisi kapena Desk Help Desk nthawi yomweyo.

Kumbukirani: simuli nokha. Pofotokoza zachinyengo, mukupanga kusintha – kwa inu nokha ndi ena.

Kutsiliza: Maphunziro Ofunika Kwambiri pa Chitetezo Pazachinyengo

5 Njira Zofunika Zotetezera:

1. tsimikizirani nthawi zonse: Ngati mukukayikira za inu, imbani pogwiritsa ntchito manambala odziwika
2. Chitani mwachifatse: Gwiritsani ntchito nthawi yoziziritsa ya maola 24 pazosankha zachuma
3. Tetezani deta yanu: Osagawana nawo khadi yanu yaku banki, ma PIN code kapena zambiri zolowera
4. Khalani otsutsa: Zopereka zomwe zimawoneka ngati zabwino kwambiri kuti zikhale zoona nthawi zambiri zimakhala
5. Nenani zachitika zokayikitsa: Thandizani ena pokanena zachinyengo kupolisi komanso ku Desk la Fraud Help Desk

Mfundo yofunika kwambiri: Kukhala maso ndi kutsimikizira ndiye njira yabwino kwambiri yodzitetezera ku achinyengo. Nkhani yachinyengo imafuna kudziwitsidwa nthawi zonse, chifukwa zigawenga zikusintha njira zawo nthawi zonse.

Masitepe otsatirawa: Tsitsani mndandanda wa chitetezo cha Fraud Help Desk, gawani izi ndi abale ndi abwenzi, ndipo musazengereze kulankhulana ndi Fraud Help Desk pa 088-7867372 ngati mukukumana ndi zochitika zokayikitsa. Dzitetezeni nokha ndi ena mwa kukhala odziwa za dziko losintha la chinyengo ndi chinyengo. Gwiritsani ntchito mawebusayiti monga veiligbankieren.nl kuti mudziwe malangizo okhudza chinyengo. Pitani ku mawebusayiti a Veilig Bankieren ndi Fraud Helpdesk kuti mudziwe malangizo amomwe mungadzitetezere ku chinyengo cha malipiro, phishing, ndi mitundu ina ya chinyengo. Maloya ku Law & More angakuthandizeni ndi izi.

Mafunso omwe amafunsidwa kawirikawiri okhudza kuzindikira ndi kupewa chinyengo ku Netherlands