Skimming jako zagrożenie dla bezpieczeństwa bankowości mobilnej

Patryk Król

doi:10.26354/bb.3.3.96.2024

Published: 2024-12-23

Vol. 96 No. 3 (2024)

Skimming as a threat to mobile banking security

Patryk Król

Section: Problems and Opinions

https://doi.org/10.26354/bb.3.3.96.2024

Abstract

Subject and purpose of the study: The aim of this paper is to analyse the problem of skimming, i.e. the illegal extraction of payment card data, and to present methods to prevent this phenomenon. Skimming poses a significant threat to payment card users and financial institutions, despite the introduction of modern security technologies such as EMV chips.
Materials and methods: A literature review on skimming was conducted using the Web of Science and Scopus databases and the bibliometrix tool was used to analyse 70 publications. In addition, the main methods of skimming and prevention were identified from available reports and a survey of the development of skimmer detection devices.
Results: Different types of skimming devices were identified, including external, internal, deep-insert and EMV shimmer, and their evolution was presented. The analysis shows that the introduction of advanced security technologies has not eliminated the problem, and fraudsters are finding new ways to circumvent these mechanisms. Effective prevention measures such as skimmer detection devices and modern ATM security technologies are also presented.
Conclusions: Skimming remains a significant threat, requiring continuous development of security technologies and user education. Banks and financial institutions should invest in advanced security systems and educational campaigns to minimise the risk of financial crime. The collaboration of technology and user awareness is crucial to effectively combat this type of fraud.