The risks that can occur when conducting electronic banking transactions are that customers may fall victim to fraudsters who deceive them and steal their service information or trick them into transferring money to fraudulent individuals.

1. Various Scams to Steal Banking Service Information

Fraudsters employ various tactics to steal customers' banking service information, enabling them to access and take money from their accounts. Some common methods of stealing this information include:

   - Fraudulent Website/Fanpage Scams
   Scammers impersonate relatives or acquaintances and claim that they will transfer money to customers. They send customers fake links (often mimicking bank websites or international money transfer company websites) and request confirmation of information. Customers access the fake links and provide scammers with their electronic banking service information (such as usernames, passwords, OTP codes) or card details (card numbers, expiration dates, CVV/CVC security codes, OTP codes).

   - Social Media Fanpage Impersonation
   Scammers create fanpages on social media platforms, impersonating banks or organizations that provide e-wallet services. These fanpages typically use logos, images, and posts copied from official fanpages. Scammers approach customers to offer advice on financial products and services, requesting personal information about their jobs, income, etc., for fraudulent purposes or to direct customers to underground financial services.

   - Domain Purchase Scams
   Scammers buy domain names that closely resemble the addresses customers intend to access (sometimes differing by just one character in the domain). They design website interfaces identical to official websites, leading customers to believe they are visiting the legitimate site. This allows scammers to steal data when customers enter it on the fake site.

   - Fake Prize-Winning Messages
   Scammers impersonate banks or other organizations and send messages claiming that customers have won prizes, asking them to click on fake links or provide service-related information to the fraudsters.

   - Examples of fake links include:
http://www.www-vietcombank.com.vn/

http://www.homebank247.com/

http://mail.www-vietcombank.com.vn/

http://western-union-quocte.wixsite.com/ibanking

Group engaged in spyware installation fraud:
- The group deceives customers into installing spyware software and applications to steal their information, including service details and OTP password information sent to the customer's phone.

Impersonation Fraud Group:
- The individuals engage in fraudulent activities by impersonating bank employees or employees of electronic wallet service providers, requesting customers to verify their information for service upgrades.

- The individuals impersonate law enforcement agencies, courts, and prosecution offices, notifying customers of their involvement in smuggling, money laundering, drug trafficking cases, and requesting customers to provide information about their services for investigative purposes.

2. Scams Involving Customer-Initiated Money Transfers:
- Individuals impersonate friends or family members and request customers to transfer money.

- Fraudsters impersonate postal employees, informing customers of unpaid telecommunications bills or parcels held in their name, and requesting customers to transfer money for telecommunications bill payment or parcel delivery fees.

- Fraudsters impersonate law enforcement agencies, courts, and prosecution offices, notifying customers of their involvement in smuggling, money laundering, drug trafficking cases, and requesting customers to transfer money to a fake law enforcement agency account for temporary custody during the investigation.

- Fraudsters impersonate bank employees, employees of large companies (such as telecommunications companies), or employees of electronic wallet service providers, informing customers of prize winnings and requesting customers to transfer a fee to claim the prize.