{"id":2185,"date":"2023-11-08T09:51:59","date_gmt":"2023-11-08T09:51:59","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=2185"},"modified":"2023-11-08T09:51:59","modified_gmt":"2023-11-08T09:51:59","slug":"e-smejdi-letos-odcerpali-miliardu-korun","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=2185","title":{"rendered":"E-\u0161mejdi letos od\u010derpali miliardu korun"},"content":{"rendered":"

Celkov\u00fd po\u010det napaden\u00fdch klient\u016f za prvn\u00edch 9 m\u011bs\u00edc\u016f roku je bezm\u00e1la 50 tis\u00edc, celkov\u00fd objem od\u010derpan\u00fdch prost\u0159edk\u016f e-\u0161mejdy je u\u017e t\u00e9m\u011b\u0159 1 miliarda korun. Index Kyberbezpe\u010dnosti m\u00edrn\u011b klesl na 66 bod\u016f, v\u00fdrazn\u011b ale narostl po\u010det \u00fatok\u016f e-\u0161mejd\u016f.<\/strong><\/p>\n

<\/p>\n

Dobrou zpr\u00e1vou ale je, \u017ee se o deset procentn\u00edch bod\u016f sn\u00ed\u017eil po\u010det lid\u00ed, kte\u0159\u00ed znaj\u00ed ve sv\u00e9m okol\u00ed ob\u011b\u0165 dokon\u010den\u00e9ho \u00fatoku. Vypl\u00fdv\u00e1 to z pr\u016fzkumu \u010cesk\u00e9 bankovn\u00ed asociace a v\u00fdzkumn\u00e9 agentury Ipsos. Zlep\u0161en\u00ed m\u016f\u017eeme p\u0159isuzovat i kyberbezpe\u010dnostn\u00edm kampan\u00edm. Od spu\u0161t\u011bn\u00ed leto\u0161n\u00edho ro\u010dn\u00edku vzd\u011bl\u00e1vac\u00ed kampan\u011b #nePINdej! pro\u0161lo Kybertestem asi 50 tis\u00edc lid\u00ed s\u00a0pr\u016fm\u011brn\u00fdm v\u00fdsledkem 73 %.<\/p>\n

Index Kyberbezpe\u010dnosti dos\u00e1hl 66 bod\u016f, ve srovn\u00e1n\u00ed s lo\u0148skem klesl o jeden bod.<\/p>\n

Nejlep\u0161\u00edho v\u00fdsledku dos\u00e1hl index hned na za\u010d\u00e1tku sledov\u00e1n\u00ed v\u00a0roce 2021 \u2013 a to 68 bod\u016f, ve\u0159ejnost v\u00a0t\u00e9 dob\u011b ale \u010delila nesrovnateln\u011b ni\u017e\u0161\u00edmu po\u010dtu \u00fatok\u016f, podle statistik Policie \u010cR zhruba o polovinu oproti leto\u0161n\u00edmu roku. V\u00fdsledky jsou tak velmi vyrovnan\u00e9. Lid\u00e9 se z\u00e1kladn\u00edm vzd\u011bl\u00e1n\u00edm letos dos\u00e1hli v pr\u016fm\u011bru 64 bod\u016f, zat\u00edmco lid\u00e9 s\u00a0maturitou pr\u016fm\u011brn\u011b m\u011bli 68 bod\u016f.<\/p>\n

\u201eKyberbezpe\u010dnost se v\u00a0dne\u0161n\u00ed digit\u00e1ln\u00ed dob\u011b t\u00fdk\u00e1 t\u00e9m\u011b\u0159 ka\u017ed\u00e9ho z\u00a0n\u00e1s, proto \u010cesk\u00e1 bankovn\u00ed asociace usilovn\u011b pracuje na zv\u00fd\u0161en\u00ed pov\u011bdom\u00ed o praktik\u00e1ch e-\u0161mejd\u016f. Z\u00e1rove\u0148 se sna\u017e\u00edme ve\u0159ejnost nau\u010dit, jak m\u016f\u017ee \u00fatoky podvodn\u00edk\u016f odhalit a br\u00e1nit se jim,<\/em>\u201c \u0159\u00edk\u00e1 Monika Zah\u00e1lkov\u00e1<\/strong>, v\u00fdkonn\u00e1 \u0159editelka \u010cesk\u00e9 bankovn\u00ed asociace.\u00a0<\/strong><\/p>\n

Hackersk\u00fdch \u00fatok\u016f p\u0159ib\u00fdv\u00e1, letos se s nimi setkala \u010dtvrtina \u010cech\u016f<\/strong><\/p>\n

S\u00a0n\u011bjakou formou podvodu e-\u0161mejd\u016f, a to bez ohledu na jeho dokon\u010den\u00ed, se setkala v\u00edce ne\u017e polovina \u010cech\u016f. P\u011btina pak zn\u00e1 ve sv\u00e9m okol\u00ed n\u011bkoho, kdo se stal ob\u011bt\u00ed dokon\u010den\u00e9ho \u00fatoku. Loni to ale byla t\u00e9m\u011b\u0159 t\u0159etina.<\/p>\n

Nej\u010dast\u011bji se setkali s\u00a0\u00fatokem ve form\u011b e-mail\u016f, kter\u00e9 slibuj\u00ed velkou v\u00fdhru v\u00a0sout\u011b\u017ei nebo d\u011bdictv\u00ed od vzd\u00e1len\u00e9ho p\u0159\u00edbuzn\u00e9ho, dal\u0161\u00ed e-maily se tv\u00e1\u0159\u00ed jako z\u00e1silka od p\u0159epravn\u00ed spole\u010dnosti \u010di jako zpr\u00e1va od banky. T\u00e9m\u011b\u0159 desetina dot\u00e1zan\u00fdch se pak setkala s\u00a0podvodn\u00fdm telefon\u00e1tem, ve kter\u00e9m se e-\u0161mejd vyd\u00e1val za bank\u00e9\u0159e. V\u00a0polovin\u011b p\u0159\u00edpad\u016f, kdy lid\u00e9 p\u0159i\u0161li o pen\u00edze, \u0161lo o \u010d\u00e1stky do 5 tis\u00edc korun. Jenom letos se s\u00a0n\u011bjakou formou hackersk\u00e9ho \u00fatoku pot\u00fdkala \u010dtvrtina \u010cech\u016f. Necel\u00e1 polovina po zku\u0161enostech s\u00a0kyber\u00fatokem p\u0159ijala bezpe\u010dnostn\u00ed opat\u0159en\u00ed. Nej\u010dast\u011bj\u0161\u00edm krokem byla zm\u011bna hesla nebo aktivov\u00e1n\u00ed dvouf\u00e1zov\u00e9ho ov\u011b\u0159en\u00ed.<\/p>\n

\u201eNaprost\u00e1 v\u011bt\u0161ina \u010cech\u016f tvrd\u00ed, \u017ee by v\u00a0p\u0159\u00edpad\u011b, kdy by po nich cht\u011bl domn\u011bl\u00fd bank\u00e9\u0159 telefonicky \u00fadaje k\u00a0platebn\u00ed kart\u011b, tyto \u00fadaje neposkytla. \u010cty\u0159i procenta populace by v\u0161ak takov\u00e9to \u00fadaje sd\u011blily, co\u017e v\u00a0absolutn\u00edch \u010d\u00edslech m\u016f\u017ee znamenat potenci\u00e1ln\u00ed obrovsk\u00e9 \u0161kody na majetc\u00edch podveden\u00fdch lid\u00ed,\u201c <\/em>\u0159\u00edk\u00e1 Michal Straka, <\/strong>specialista agentury Ipsos pro finan\u010dn\u00ed trhy.\u00a0<\/strong><\/p>\n

Masivn\u00edm kyber\u00fatok\u016fm \u010del\u00ed i platebn\u00ed spole\u010dnosti<\/strong><\/p>\n

Spole\u010dnost Visa se denn\u011b pot\u00fdk\u00e1 se zhruba 2 miliony kyber\u00fatok\u016f. \u00dasp\u011b\u0161n\u011b jim \u010del\u00ed d\u00edky schopnosti vyu\u017e\u00edvat transak\u010dn\u00ed data z\u00a0v\u00edce ne\u017e \u010dty\u0159 miliard platebn\u00edch karet ve spojen\u00ed s\u00a0um\u011blou inteligenc\u00ed, kterou spole\u010dnost pou\u017e\u00edv\u00e1 u\u017e t\u0159icet let. Pod\u00edl podvod\u016f v\u00a0\u010cesk\u00e9 republice je z\u00a0hlediska objemu v\u0161ech karetn\u00edch transakc\u00ed Visa \u010dty\u0159ikr\u00e1t ni\u017e\u0161\u00ed, ne\u017e je celoevropsk\u00fd pr\u016fm\u011br. To sv\u011bd\u010d\u00ed o \u00fasp\u011b\u0161n\u00fdch opat\u0159en\u00edch, edukaci a strategi\u00edch, kter\u00e9 byly zavedeny v boji proti platebn\u00edm podvod\u016fm.<\/p>\n

\u201eJe to d\u00e1no tak\u00e9 technologickou vysp\u011blost\u00ed \u010desk\u00e9ho platebn\u00edho syst\u00e9mu a vysok\u00fdm pod\u00edlem tokenizovan\u00fdch plateb, jako jsou mobiln\u00ed platby nebo Click to Pay. V\u011b\u0159\u00edme v\u0161ak, \u017ee k omezen\u00ed podvod\u016f p\u0159isp\u00edv\u00e1 i intenzivn\u00ed vzd\u011bl\u00e1vac\u00ed kampa\u0148 \u010cesk\u00e9 bankovn\u00ed asociace, kterou aktivn\u011b podporujeme,\u201c<\/em> \u0159\u00edk\u00e1 Franti\u0161ek Jungr<\/strong>, \u0159editel produktov\u00e9 divize Visa pro st\u0159edn\u00ed a v\u00fdchodn\u00ed Evropu.<\/p>\n

Siln\u00e1 vlastn\u00ed hesla pro d\u016fle\u017eit\u00e9 \u00fa\u010dty <\/strong><\/p>\n

Dv\u011b t\u0159etiny lid\u00ed pou\u017e\u00edvaj\u00ed pro internetov\u00e9 \u010di mobiln\u00ed bankovnictv\u00ed vlastn\u00ed siln\u00e1 hesla. Podobn\u00e1 situace je i u platebn\u00edch aplikac\u00ed a hlavn\u00edho e-mailu. P\u0159\u00edstupov\u00e9 \u00fadaje do bankovnictv\u00ed si t\u00e9m\u011b\u0159 sedmdes\u00e1t procent lid\u00ed pamatuje, dv\u011b procenta z dot\u00e1zan\u00fdch maj\u00ed ale hesla ulo\u017een\u00e1 v mobiln\u00edm telefonu. V\u00edce ne\u017e polovina \u010cech\u016f pak pou\u017e\u00edv\u00e1 stejn\u00e9 heslo pro n\u011bkolik aplikac\u00ed, pro d\u016fle\u017eit\u00e9 \u00fa\u010dty ale maj\u00ed odli\u0161n\u00e1 speci\u00e1ln\u00ed hesla. T\u0159etina lid\u00ed si hesla z bezpe\u010dnostn\u00edch d\u016fvod\u016f m\u011bn\u00ed alespo\u0148 jednou ro\u010dn\u011b.<\/p>\n

V\u011bt\u0161ina lid\u00ed se do elektronick\u00e9ho bankovnictv\u00ed p\u0159ipojuje p\u0159es zabezpe\u010den\u00e9 s\u00edt\u011b<\/strong><\/p>\n

Nej\u010dast\u011bji se \u010ce\u0161i do sv\u00e9ho e-bankingu p\u0159ipojuj\u00ed p\u0159es datov\u00fd tarif, jde zejm\u00e9na o mlad\u0161\u00ed lidi a lidi ve st\u0159edn\u00edm v\u011bku. Naopak star\u0161\u00ed generace d\u00e1v\u00e1 p\u0159ednost zn\u00e1m\u00e9mu zabezpe\u010den\u00e9mu pevn\u00e9mu p\u0159ipojen\u00ed. Ve srovn\u00e1n\u00ed s lo\u0148skem ubylo lid\u00ed, kte\u0159\u00ed se p\u0159ipojuj\u00ed na ve\u0159ejnou wi-fi s\u00ed\u0165. Nej\u010dast\u011bji na n\u00ed vy\u0159izuj\u00ed e-maily a dal\u0161\u00ed korespondenci. Pro e-banking ve\u0159ejn\u00e9 s\u00edt\u011b pou\u017e\u00edv\u00e1 pouze 8 % lid\u00ed. Ke spr\u00e1v\u011b sv\u00fdch financ\u00ed vyu\u017e\u00edv\u00e1 81 % \u010cech\u016f pouze sv\u00e9 vlastn\u00ed za\u0159\u00edzen\u00ed (po\u010d\u00edta\u010d nebo telefon). Nejobez\u0159etn\u011bj\u0161\u00ed skupinou jsou v t\u00e9to oblasti penzist\u00e9. V\u00edc ne\u017e polovina u\u017eivatel\u016f chytr\u00fdch telefon\u016f m\u00e1 sv\u00e9 za\u0159\u00edzen\u00ed chr\u00e1n\u011bno, nej\u010dast\u011bji antivirov\u00fdm softwarem. Je\u0161t\u011b v\u011bt\u0161\u00ed d\u016fraz \u010ce\u0161i kladou na ochranu po\u010d\u00edta\u010d\u016f, kdy n\u011bjakou formu zabezpe\u010den\u00ed maj\u00ed dv\u011b t\u0159etiny z nich.<\/p>\n

Lid\u00e9 nejv\u00edce v\u011b\u0159\u00ed p\u0159i ochran\u011b osobn\u00edch \u00fadaj\u016f finan\u010dn\u00edm instituc\u00edm<\/strong><\/p>\n

Banky, spo\u0159itelny nebo poji\u0161\u0165ovny jsou pova\u017eov\u00e1ny za nejbezpe\u010dn\u011bj\u0161\u00ed v\u00a0oblasti ochrany p\u0159ed \u00fanikem dat. D\u016fv\u011b\u0159uje jim polovina lid\u00ed. Oproti tomu st\u00e1tn\u00ed spr\u00e1vu vn\u00edm\u00e1 za bezpe\u010dnou pouze jedna p\u011btina \u010cech\u016f. Nejni\u017e\u0161\u00ed d\u016fv\u011bru u lid\u00ed maj\u00ed fintech spole\u010dnosti, nebankovn\u00ed poskytovatel\u00e9 p\u016fj\u010dek a obchodn\u00ed \u0159et\u011bzce.<\/p>\n

Pravideln\u00e9 kontroly bankovn\u00edho \u00fa\u010dtu d\u011bl\u00e1 7 z\u00a010 \u010cech\u016f<\/strong><\/p>\n

Sv\u00e9 bankovn\u00ed \u00fa\u010dty kontroluje alespo\u0148 p\u0159\u00edle\u017eitostn\u011b 98 % dot\u00e1zan\u00fdch. Pravideln\u00e9 a detailn\u00ed kontroly p\u0159\u00edjm\u016f a v\u00fddaj\u016f pak d\u011bl\u00e1 69 procent z nich. \u010ce\u0161i v\u011bnuj\u00ed taky velkou pozornost upozorn\u011bn\u00edm od banky, pravideln\u011b je \u010dte v\u00edce jak polovina. M\u00e9n\u011b opatrnosti u\u017e si ale d\u00e1vaj\u00ed p\u0159i otev\u00edr\u00e1n\u00ed p\u0159\u00edloh od nezn\u00e1m\u00fdch odes\u00edlatel\u016f. Alespo\u0148 n\u011bkdy je otev\u0159e zhruba \u010dtvrtina lid\u00ed.<\/p>\n

Kybertest si vyzkou\u0161elo u\u017e p\u0159es 264 tis\u00edc lid\u00ed, leto\u0161n\u00ed pr\u016fm\u011brn\u00e1 \u00fasp\u011b\u0161nost je 73 %<\/strong><\/p>\n

Jak \u00fatoky e-\u0161mejd\u016f vypadaj\u00ed, a jak se jim d\u00e1 efektivn\u011b br\u00e1nit. To je c\u00edlem celon\u00e1rodn\u00ed vzd\u011bl\u00e1vac\u00ed kampan\u011b #nePINdej!, kterou \u010cesk\u00e1 bankovn\u00ed asociace ve spolupr\u00e1ci s\u00a0partnery po\u0159\u00e1d\u00e1 u\u017e t\u0159et\u00edm rokem. Kl\u00ed\u010dov\u00fdm prvkem je interaktivn\u00ed vzd\u011bl\u00e1vac\u00ed test na webu Kybertest.cz, kde se lid\u00e9 pod\u00edvaj\u00ed na deset nej\u010dast\u011bj\u0161\u00edch podvod\u016f a tak\u00e9 si vyzkou\u0161\u00ed, jak jim nenalet\u011bt. Kybertest si od za\u010d\u00e1tku leto\u0161n\u00ed kampan\u011b zkusilo p\u0159es 50 tis\u00edc lid\u00ed s\u00a0pr\u016fm\u011brnou \u00fasp\u011b\u0161nost\u00ed 73 %. Celkov\u011b testem pro\u0161lo od lo\u0148sk\u00e9ho z\u00e1\u0159\u00ed p\u0159es 264 tis\u00edc lid\u00ed.<\/p>\n

 <\/p>\n

<\/p>\n

<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Celkov\u00fd po\u010det napaden\u00fdch klient\u016f za prvn\u00edch 9 m\u011bs\u00edc\u016f roku je bezm\u00e1la 50 tis\u00edc, celkov\u00fd objem od\u010derpan\u00fdch prost\u0159edk\u016f e-\u0161mejdy je u\u017e t\u00e9m\u011b\u0159 1 miliarda korun. Index […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":1066,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-2185","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2185","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2185"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2185\/revisions"}],"predecessor-version":[{"id":2186,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2185\/revisions\/2186"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/1066"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2185"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2185"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2185"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}