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Opening bank account on Facebook is both innovative and revolutionary, but one disturbing thing is the lack of gatekeeping the comments on the Facebook pages of banks in Nigeria.
Fan page is now where cybercriminals spread their dubious adverts, post links to dubious sites, place adverts of impounded vehicles by customs, and other annoying comments.
- Meaning of Social Banking?
- Brief History of Social Banking
- Meaning of Gatekeeping
- Gatekeeping in Context of Social Banking
- Active users of facebook and why scammers target facebook users
- Examples of Scam Comments on Bank Fan Page
- Scammers Tricks on Facebook Pages of Banks
- How to Avoid Scam on Bank Facebook Pages
- How Bank Can Limit Scam on Its Fan Page
- Important Gatekeeping Terms for Banks to note:
What is Social Banking?
“Social Banking depends on an ongoing and constructive dialogue of the people involved in and affected by its activities, as well as on a continuous reflection of their respective motives (why?), actions (what?) and approaches (how?).”
Brief History of Social Banking
- How many time have you been annoyed by scam messages on the page of your favourite bank?
- Better still, how many times have you found fraudulent comments on the facebook timeline, or discussion of your bank?
What Is Gatekeeping
The term ‘gatekeeping’ is more than an apartment or industrial gate; more powerful than it sounds.
A social psychologist Kurt Lewin was the first person to use the word “gatekeeping.”
Gatekeeping in the Context of Social Banking
- 654 million mobile daily active users on average in June 2014
- 1.07 billion mobile monthly active users as of June 30, 2014
- 829 million daily active users on average in June 2014
- 1.32 billion monthly active users as of June 30, 2014
- Approximately 81.7% of our daily active users are outside the US and Canada.
With that said, if you visit any of the Facebook pages of Nigerian banks, you’re sure of scam comments and adverts. In some cases, fraudulent comments are more than the comments related to the topic.
“Now earn 1500-2000 recharge card everyday only in 5-10 minutes
Now its easier than ever to earn money from the internet. Just fill in a few steps, you can earn money very easily.
Just go to the link below and fill the steps which has been told, there you will get the money. This process is 100% secure”
Some of these fraudulent messages can be found on the collection of phishing scam examples.
13 Scammer Tricks on Facebook Pages of Banks
- They open parallel facebook pages of other banks. For instance, if you run a check on any Nigerian banks, you get list of names the same as the real bank.
- They persuade you on the “Fake Facebook Page” of the bank to share a credit card number or debit card information, then commit credit-card fraud.
- They persuade their prospective victim of bonuses if he signs up for a ‘work at home job”
- They trick you to use a particular code for a recharge card so that you will be able to get at least 200% of the amount recharged.
- They appeal to your emotion that you can make at least N2 million within 25 days.
- Scammers advertise that you can own a house in the most important places in Lagos (Ajah, Dolphin Estate, Lekki), Abuja, and other commercial places in Nigeria.
- They promise you that you make your travelling abroad a reality by completing a registration form.
- They instruct you to follow a link so that you can get access to the nude pictures popular artistes.
- They make promises of get-rich-quick.
- They promise you a great contract within government circle.
- Scammers place exotic cars for sale on facebook pages of Nigerian Banks at extremely and at ridiculous prices.
- They promise webmasters links. The link to the Web site actually leads the victim to downloading malware.
- Other scams on facebook include video scam, and breaking news.
12 Ways to Avoid Scam on Facebook Fan Page
- Verify the facebook page of any bank you want to follow.
- Real facebook page doesn’t have birthday.
- Real facebook page of a bank will contain the corporate headquarters address with the full URL address. Real bank doesn’t use Short URL in its address. However, you may find Shortened URL in its timeline.
- Don’t share your credit card number or debit card information on any page whether your real bank or other bogus facebook page.
- Think twice before you sign up with that ‘work at home job” as most of them are targeted at getting your email address and other vital information about you.
- Using the trick of scammers to recharge could cost you the actual amount you recharged, or you continue to experience deductions in your balances.
- Don’t play along with scammers if you’re not law enforcement agents. Instead of that report any suspicion.
- Owing property in exotic places in major cities in Nigeria doesn’t need spammy advertisements. So avoid adverts that claim that you can own a house in the most important places in Lagos, Abuja, and other commercial places in Nigeria.
- If you can, avoid links promising you erotic pictures of celebs. Such links may have been encoded with virus which is capable of monitoring your financial activities.
- Nigerian government doesn’t advertise on facebook pages of Nigerian banks. So, if you see any government contract there, then you should know that it is scam. Don’t follow such link.
- Exotic cars for sale on facebook pages of Nigerian Banks are placed by online thieves and not the Nigerian Customs. If there will be auction of cars seized by the Nigerian Customs, advert is placed in print. You can also visit the official page of Nigerian custom for updates.
- To webmasters who want links, don’t be desperate to get visits to your blog or website. As doing so is “black-hat SEO” which can earn you Google penalty.The bottom line is to avoid following any link you’re not familiar with.
How Banks Can Limit Scam Comments on Its Facebook Page
- Financial institutions should designate a social media manager cum page administrator that will filter comments before they go viral.
- The page moderator shouldn’t react to only “how to open account.” Dubious comments, unrelated topics should also get her attention; such should be deleted. This is to ensure the safety of other page visitors.
- The page gatekeeper should be a quality-control officer who decides what information to discard and which to let pass.
- Banks in Nigeria should carry out daily review of comments on their social media accounts, particularly facebook to see which comments are appropriate and which should not stay.
- If social media banking is to strive, the page moderator should pay special attention to scam on facebook that cybercriminals are pasting on their timeline.
- Some of the comments on facebook page are capable of shaping public’s knowledge, and as such they should be moderated.
- Page admin should understand the concept of “audience gatekeeping”.
Important Gatekeeping Terms for Moderator to note:
If other organisations allow fraudulent comments to slip through unto their facebook pages, banks considering their status must be different.