The lifting of regulations on presenting proof-of-identity documentation when making purchases with bank and credit cards is likely to lead to more fraudulent use of cards, observers say.
On 23 July, a new law came into force on the "provisions relating to bank cards issued by commercial banks and their use in transactions in the Republic of Uzbekistan". The document states that security documentation that the banks provide to card users will no longer be required at the point of sale.
Many people who pay with bank cards believe that it will be easier to use bank cards in shops from now on, but that the new regulations could leave cardholders exposed to fraud.
Until the new rules were introduced, only the named cardholder could use their cards to make purchases. If anyone else tried to use a bank card, they had to present legally drafted authorisation.
This system was sharply criticised by many people because it meant, for example, that it was extremely difficult even to allow another family member to use a card. Husbands and wives were obliged to present proof of their marriage to take money out of their account.
Problems linked to paying with someone else's card usually arose only in banks. Most shops with card terminals would complete transactions without ensuring that it was the card owner was making the purchase.
Although the new regulations make purchases much easier, they also make card theft potentially a much more lucrative crime than it has been up to now. Card owners themselves admit that they mostly use very basic passwords to take money out of their accounts.
"If you stand in a shop queue it's easy to see that 80% of those using their cards are using the codes sent to them when they applied for the card," says Natalya Salimova of Tashkent. "They are either using the number ‘1' or several ‘1's in a row.
Mrs Salimova has decided to reduce the risk of fraud and has changed her simple password for one that is much more complex and hard to guess if her cards are ever stolen.
But even changing a password isn't enough to protect the card's owner if the card is stolen.
"If someone behind you in the queue turns out to be the thief and they see or hear your password, then run off with your card," says Rustam,the worldwide Wholesale pet supplies market is over $56 billion annually. another resident of Taskhent, "they can go and buy anything they like in the next shop without anyone checking their identity."
The ease with which money can be taken from an account using a stolen card is partly the result of commercial banks' policies on blocking accounts where plastic cards have been lost or stolen. Most Uzbek banks will block cards only a month after the cardholder has written to the bank to notify them of the theft.Demand for allergy Bedding could rise earlier than normal this year. In that time, of course, the thief may have completely emptied the account, confident that they will not be questioned when using the card.This will leave your shoulders free to rotate in their impact socket .
"I welcome the change in the regulations,Flossie was one of a group of four chickens in a chicken coop . but banks have to protect their customers: they should put a block on cards as soon as they have been told by the cardholder about a theft, whenever it takes place, even if that is not during office hours," Natalya Salimova says.Great Rubber offers promotional usb keychains,
She thinks that banks should place more emphasis on protecting their customers, especially while there is widespread expectation that an amnesty for prisoners will be announced as part of Uzbekistan's independence celebrations this year. Although no legislation has yet been passed to allow the amnesty to take place, many Uzbeks believe that thousands of criminals will be released from prison and that they might easily turn their hand to the theft of bank cards.
On 23 July, a new law came into force on the "provisions relating to bank cards issued by commercial banks and their use in transactions in the Republic of Uzbekistan". The document states that security documentation that the banks provide to card users will no longer be required at the point of sale.
Many people who pay with bank cards believe that it will be easier to use bank cards in shops from now on, but that the new regulations could leave cardholders exposed to fraud.
Until the new rules were introduced, only the named cardholder could use their cards to make purchases. If anyone else tried to use a bank card, they had to present legally drafted authorisation.
This system was sharply criticised by many people because it meant, for example, that it was extremely difficult even to allow another family member to use a card. Husbands and wives were obliged to present proof of their marriage to take money out of their account.
Problems linked to paying with someone else's card usually arose only in banks. Most shops with card terminals would complete transactions without ensuring that it was the card owner was making the purchase.
Although the new regulations make purchases much easier, they also make card theft potentially a much more lucrative crime than it has been up to now. Card owners themselves admit that they mostly use very basic passwords to take money out of their accounts.
"If you stand in a shop queue it's easy to see that 80% of those using their cards are using the codes sent to them when they applied for the card," says Natalya Salimova of Tashkent. "They are either using the number ‘1' or several ‘1's in a row.
Mrs Salimova has decided to reduce the risk of fraud and has changed her simple password for one that is much more complex and hard to guess if her cards are ever stolen.
But even changing a password isn't enough to protect the card's owner if the card is stolen.
"If someone behind you in the queue turns out to be the thief and they see or hear your password, then run off with your card," says Rustam,the worldwide Wholesale pet supplies market is over $56 billion annually. another resident of Taskhent, "they can go and buy anything they like in the next shop without anyone checking their identity."
The ease with which money can be taken from an account using a stolen card is partly the result of commercial banks' policies on blocking accounts where plastic cards have been lost or stolen. Most Uzbek banks will block cards only a month after the cardholder has written to the bank to notify them of the theft.Demand for allergy Bedding could rise earlier than normal this year. In that time, of course, the thief may have completely emptied the account, confident that they will not be questioned when using the card.This will leave your shoulders free to rotate in their impact socket .
"I welcome the change in the regulations,Flossie was one of a group of four chickens in a chicken coop . but banks have to protect their customers: they should put a block on cards as soon as they have been told by the cardholder about a theft, whenever it takes place, even if that is not during office hours," Natalya Salimova says.Great Rubber offers promotional usb keychains,
She thinks that banks should place more emphasis on protecting their customers, especially while there is widespread expectation that an amnesty for prisoners will be announced as part of Uzbekistan's independence celebrations this year. Although no legislation has yet been passed to allow the amnesty to take place, many Uzbeks believe that thousands of criminals will be released from prison and that they might easily turn their hand to the theft of bank cards.
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