Like many bank customers in the UAE, last week I received a message on my mobile: there had been reports of "ATM misuse" and I should change my personal identification number immediately. Not exactly a welcome message coming from the institution that holds all of my ready cash. Like many other worried UAE bank customers, I dutifully went to a nearby ATM and keyed in a new number (nothing, luckily, had been stolen).
Yet a week after queuing up and changing PINs alongside the hundreds of thousands of people who were warned of the fraud, consumers in the UAE are still largely in the dark. How extensive it was, how much money was taken and whether the breach has been closed off remain unanswered questions. The UAE central bank, which in previous cases of ATM fraud in 2003 and 2006 stepped in to reassure customers that their money was safe, has been conspicuously absent. The institution, which regulates the country's banking system, has not even deigned to issue a statement about the fraud, and repeated attempts by reporters to get information have elicited little more than a shrug and a finger pointed at the banks.
That leaves consumers in a precarious position. The banks appear to be doing their best to root out whoever was responsible and stem the tide of unauthorised transactions. That, however, has far from eased the concerns of consumers, especially those who were cleaned out in the Ramadan raid.
Even if you were not one of the victims, now is a good time to review the steps you can take to try to protect yourself against ATM fraud. While none of these measures can fully insulate you ? if criminals breach your bank's files, you are stuck ? if you follow them, at least you will not be blaming yourself later for leaving your money vulnerable.
Change your PIN
Most experts say you should change your PIN about once a year. It also makes sense to change it, say, after a trip abroad during which it could have been stolen. If you worry about remembering an ever-changing PIN, use numbers that are meaningful to you but would be nearly impossible for a thief to guess. A few examples: you and your spouse's ages (which conveniently change every year), your children's ages, the last few digits of your phone number from childhood or an old street address. Avoid using your birth date, as it is not too difficult to find and is likely to be the first number enterprising criminals will try.
Different PINs for different cards
Many people make the mistake of using the same number for their ATM card and credit cards. That creates an extra hassle if your PIN gets ripped off along with your purse or wallet. Clearly, thieves will try a PIN that worked on one of your cards on all of them. One good strategy is to rotate PINs among your cards every year, solving the annual PIN-changing and different-PIN problems in one swipe.
Cover your PIN
One age-old method with which thieves rip you off at the ATM is called "skimming". They insert a device into the ATM to record your bank details, and then point a pinhole camera at the keypad to get your PIN. That is why ATM security experts recommend that you place your left hand over your right hand (or vice versa) as you type in the numbers. Cameras for skimming are usually installed above the keypad, not to the side.
Use the right ATMs
Ideally, you should use only your bank's ATMs, as they do not charge fees for withdrawals and are likely to be more secure than non-branded machines such as those you might find in a petrol station. If you cannot find one of your bank's machines nearby, though, look for ones that have strong security measures and are not in crowded areas. The ideal ATM for a skimmer is one in a bustling area where a lot of transactions take place and where he can watch to make sure the operation is working.
"They want to be somewhere crowded where they can watch the ATM to make sure the device doesn't fall off and that somebody doesn't pull it off," said Graham McKay, the executive director of the ATM Industry Association for the Middle East and Europe. "Something like a large car park near a major store that's got ATMs would be a perfect place for committing the crime."
So stick to ATMs in secure and uncrowded places. Your safest bet: bank lobbies, which are secure and heavily monitored by cameras. Skimmers dare not go there.
If you are withdrawing cash from an unfamiliar ATM, you should also look for something called a "fraudulent device inhibitor", a chunky plastic card slot, often green and with flashing lights, that is meant to protect against the insertion of skimming devices.
Set up SMS alerts
Most large banks these days let customers set text-message alerts that flash you if you buy something that costs more than a predetermined amount. They can also tell you if your balance dips below a certain threshold or if you receive a large deposit. Some banks will even alert you of all your transactions, letting you know immediately if anything fraudulent is going on in your account.
While these tools cannot prevent fraud, they at least give you a way of detecting it early. They can also give you peace of mind if you happen to misplace your card - for example, leaving it in a restaurant one night after paying the bill. If you have no messages when you discover it is missing the next morning, you know no one has taken you for a ride.
"Customers should go to banks that provide real-time SMS transactions," said Tamer Gamali, the chief information security officer at the National Bank of Kuwait. "That enables them to change their PIN the minute something comes up. If I skim your card today and take out Dh2,000, you get an SMS, you change your pin and stop me from taking any more money out. It's not going to prevent it, but it will control it. Don't just fly on the idea that nobody knows your PIN."
Check for fraud-detection software
While most banks in the developed world have sophisticated fraud-detection software that monitors spending patterns for unusual activity, the UAE is lagging somewhat in this respect. Some have it and others just don't.
Banks that do have it call their customers when the software sees a transaction it considers unusual. If you live in Dubai, for example, and you start charging up large sums in Mexico, a flag might go up, prompting the bank to call you to see if that was a bona fide purchase.
When you are shopping around for a bank, look carefully over its security features; banks that use fraud-detection software often advertise it prominently ? or, at least print it in brochures and account literature.
Follow all the steps above and your money should be quite safe, at least as safe as it can be in this complex world. If another ATM fraud happens in the UAE, you may have to stand in line to change your PIN again. If you set up SMS alerts, though, at least you know you have not been cleaned out.
afitch@thenational.ae
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About RuPay
A homegrown card payment scheme launched by the National Payments Corporation of India and backed by the Reserve Bank of India, the country’s central bank
RuPay process payments between banks and merchants for purchases made with credit or debit cards
It has grown rapidly in India and competes with global payment network firms like MasterCard and Visa.
In India, it can be used at ATMs, for online payments and variations of the card can be used to pay for bus, metro charges, road toll payments
The name blends two words rupee and payment
Some advantages of the network include lower processing fees and transaction costs
RESULT
Uruguay 3 Russia 0
Uruguay: Suárez (10'), Cheryshev (23' og), Cavani (90')
Russia: Smolnikov (Red card: 36')
Man of the match: Diego Godin (Uruguay)
Red Sparrow
Dir: Francis Lawrence
Starring: Jennifer Lawrence, Joel Egerton, Charlotte Rampling, Jeremy Irons
Three stars
Sinopharm vaccine explained
The Sinopharm vaccine was created using techniques that have been around for decades.
“This is an inactivated vaccine. Simply what it means is that the virus is taken, cultured and inactivated," said Dr Nawal Al Kaabi, chair of the UAE's National Covid-19 Clinical Management Committee.
"What is left is a skeleton of the virus so it looks like a virus, but it is not live."
This is then injected into the body.
"The body will recognise it and form antibodies but because it is inactive, we will need more than one dose. The body will not develop immunity with one dose," she said.
"You have to be exposed more than one time to what we call the antigen."
The vaccine should offer protection for at least months, but no one knows how long beyond that.
Dr Al Kaabi said early vaccine volunteers in China were given shots last spring and still have antibodies today.
“Since it is inactivated, it will not last forever," she said.
Israel Palestine on Swedish TV 1958-1989
Director: Goran Hugo Olsson
Rating: 5/5
Bio:
Favourite Quote: Prophet Mohammad's quotes There is reward for kindness to every living thing and A good man treats women with honour
Favourite Hobby: Serving poor people
Favourite Book: The Alchemist by Paulo Coelho
Favourite food: Fish and vegetables
Favourite place to visit: London
Four%20scenarios%20for%20Ukraine%20war
%3Cp%3E1.%20Protracted%20but%20less%20intense%20war%20(60%25%20likelihood)%3C%2Fp%3E%0A%3Cp%3E2.%20Negotiated%20end%20to%20the%20conflict%20(30%25)%3C%2Fp%3E%0A%3Cp%3E3.%20Russia%20seizes%20more%20territory%20(20%25)%3C%2Fp%3E%0A%3Cp%3E4.%20Ukraine%20pushes%20Russia%20back%20(10%25)%3C%2Fp%3E%0A%3Cp%3E%3Cem%3EForecast%20by%20Economist%20Intelligence%20Unit%3C%2Fem%3E%3C%2Fp%3E%0A
Blackpink World Tour [Born Pink] In Cinemas
Starring: Rose, Jisoo, Jennie, Lisa
Directors: Min Geun, Oh Yoon-Dong
Rating: 3/5
Top%2010%20most%20competitive%20economies
%3Cp%3E1.%20Singapore%0D%3Cbr%3E2.%20Switzerland%0D%3Cbr%3E3.%20Denmark%0D%3Cbr%3E4.%20Ireland%0D%3Cbr%3E5.%20Hong%20Kong%0D%3Cbr%3E6.%20Sweden%0D%3Cbr%3E7.%20UAE%0D%3Cbr%3E8.%20Taiwan%0D%3Cbr%3E9.%20Netherlands%0D%3Cbr%3E10.%20Norway%0D%3Cbr%3E%3C%2Fp%3E%0A
COMPANY%20PROFILE
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BORDERLANDS
Starring: Cate Blanchett, Kevin Hart, Jamie Lee Curtis
Director: Eli Roth
Rating: 0/5
Fixtures
Sunday, December 8, Sharjah Cricket Stadium – UAE v USA
Monday, December 9, Sharjah Cricket Stadium – USA v Scotland
Wednesday, December 11, Sharjah Cricket Stadium – UAE v Scotland
Thursday, December 12, ICC Academy, Dubai – UAE v USA
Saturday, December 14, ICC Academy, Dubai – USA v Scotland
Sunday, December 15, ICC Academy, Dubai – UAE v Scotland
Note: All matches start at 10am, admission is free
Confirmed%20bouts%20(more%20to%20be%20added)
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Naga
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SPECS%3A%20Polestar%203
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What is graphene?
Graphene is extracted from graphite and is made up of pure carbon.
It is 200 times more resistant than steel and five times lighter than aluminum.
It conducts electricity better than any other material at room temperature.
It is thought that graphene could boost the useful life of batteries by 10 per cent.
Graphene can also detect cancer cells in the early stages of the disease.
The material was first discovered when Andre Geim and Konstantin Novoselov were 'playing' with graphite at the University of Manchester in 2004.
BEETLEJUICE BEETLEJUICE
Starring: Winona Ryder, Michael Keaton, Jenny Ortega
Director: Tim Burton
Rating: 3/5
Results
%3Cp%3E%3Cstrong%3EStage%202%3A%3C%2Fstrong%3E%3Cbr%3E1.%20Soudal%E2%80%93Quick-Step%20-%2018%E2%80%9911%E2%80%9D%3Cbr%3E2.%20EF%20Education%20%E2%80%93%20EasyPost%20-%201%22%3Cbr%3E3.%20Ineos%20Grenadiers%20-%203%22%3Cbr%3E%3Cstrong%3EGeneral%20classification%3A%3C%2Fstrong%3E%3Cbr%3E1.%20Lucas%20Plapp%20(AUS)%20Ineos%20Grenadiers%3Cbr%3E2.%20Remco%20Evenepoel%20(BEL)%20Soudal%E2%80%93Quick-Step%20-%20ST%3Cbr%3E3.%20Nikias%20Arndt%20(GER)%20Bahrain%20Victorious%20-%203%22%3C%2Fp%3E%0A
Manikarnika: The Queen of Jhansi
Director: Kangana Ranaut, Krish Jagarlamudi
Producer: Zee Studios, Kamal Jain
Cast: Kangana Ranaut, Ankita Lokhande, Danny Denzongpa, Atul Kulkarni
Rating: 2.5/5
Ain Issa camp:
- Established in 2016
- Houses 13,309 people, 2,092 families, 62 per cent children
- Of the adult population, 49 per cent men, 51 per cent women (not including foreigners annexe)
- Most from Deir Ezzor and Raqqa
- 950 foreigners linked to ISIS and their families
- NGO Blumont runs camp management for the UN
- One of the nine official (UN recognised) camps in the region
MATCH INFO
Maratha Arabians 107-8 (10 ovs)
Lyth 21, Lynn 20, McClenaghan 20 no
Qalandars 60-4 (10 ovs)
Malan 32 no, McClenaghan 2-9
Maratha Arabians win by 47 runs
Abu Dhabi racecard
5pm: Maiden (Purebred Arabians); Dh80,000; 1,400m.
5.30pm: Maiden (PA); Dh80,00; 1,400m.
6pm: Sheikh Zayed bin Sultan Al Nahyan National Day Cup (PA); Group 3; Dh500,000; 1,600m.
6.30pm: Sheikh Zayed bin Sultan Al Nahyan National Day Cup (Thoroughbred); Listed; Dh380,000; 1,600m
7pm: Wathba Stallions Cup for Private Owners Handicap (PA); Dh70,000; 1,400m.
7.30pm: Handicap (PA); Dh80,000; 1,600m
Company%20Profile
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Auron Mein Kahan Dum Tha
Starring: Ajay Devgn, Tabu, Shantanu Maheshwari, Jimmy Shergill, Saiee Manjrekar
Director: Neeraj Pandey
Rating: 2.5/5
SPECS
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Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
The%20specs
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The specs
Engine: 2.7-litre 4-cylinder Turbomax
Power: 310hp
Torque: 583Nm
Transmission: 8-speed automatic
Price: From Dh192,500
On sale: Now
COMPANY%20PROFILE
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EA%20Sports%20FC%2024
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The biog
Name: Timothy Husband
Nationality: New Zealand
Education: Degree in zoology at The University of Sydney
Favourite book: Lemurs of Madagascar by Russell A Mittermeier
Favourite music: Billy Joel
Weekends and holidays: Talking about animals or visiting his farm in Australia
COMPANY%20PROFILE%20
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