Bank fraud: How they obtain and use your personal data to deceive you?

Bank fraud: How they obtain and use your personal data to deceive you?

The article reveals that the sophistication of scams in Mexico, where most adults face constant fraud attempts, is due to the massive exposure of personal data. The relevance to open data lies in the urgency to make transparent how institutions handle this information; since most call centers lack robust security certifications, citizens remain vulnerable to breaches that feed the black market for data. Three main pathways are identified: leaks due to lack of certification in companies, malware that infects devices, and phishing enhanced by artificial intelligence. The critical implication is that, although technical mechanisms exist to protect information, the adoption of international standards is scarce. This creates an environment where personal data circulates freely, enabling criminals to build accurate and realistic profiles to deceive victims. Consequently, privacy protection depends not only on technology but also on corporate responsibility and user awareness. The use of AI allows for personalized deception using already leaked data, underscoring the need to improve security in the storage and processing of information. Without a stricter and more transparent data protection culture, economic losses and privacy violations will continue to rise, affecting a large portion of the population.

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