While the heavy penalties imposed on payments made with IBAN are on the agenda with all their heat, banks are adding a new IBAN application to their mobile applications one by one. Thanks to the “REQUEST PAYMENT” button, you can send a message requesting payment to any person or company whose IBAN number you know. You specify the amount you want to be paid and describe your own account as the recipient. When the user enters the bank application, they see the payment request sent to them as a message and the relevant amount is transferred to the account of the person requesting the payment as soon as they approve it.
However, the PAYMENT REQUEST application, which was launched as a new application that will increase efficiency in payment transactions, is also paving the way for a brand new and very dangerous abuse according to Fraud Control and Forensic Accounting Expert Fikriye Aslan. According to Fikriye Aslan, members who cannot use banks’ mobile applications well, the elderly and the disabled are at great risk, and malicious people who discover this option may soon start to abuse this application of the banks. Stating that she does not know how much the banks have tested the payment request application but that this application has spread very quickly for some reason, Aslan warned users by saying, “Banks should be trusted, but malicious people should not be underestimated either.”
Stating that he has difficulty understanding the reason for such an arbitrary and uncontrolled payment application, especially at a time when payments made to tradesmen’s IBAN are a big problem, Aslan warned people based on his 35 years of professional experience: “Abuse does not end where there are people. Especially our citizens who are not very knowledgeable about technology are at great risk. We need to trust the system, not the people, and all systems that are not well designed become the target of malicious people.”
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