{"id":40236,"date":"2023-04-19T15:55:38","date_gmt":"2023-04-19T15:55:38","guid":{"rendered":"https:\/\/www.africa-press.net\/ghana\/?p=40236"},"modified":"2023-04-19T15:33:52","modified_gmt":"2023-04-19T15:33:52","slug":"sim-swap-fraud-agents-and-telco-staff-caught-in-the-web","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/ghana\/all-news\/sim-swap-fraud-agents-and-telco-staff-caught-in-the-web","title":{"rendered":"SIM Swap Fraud: Agents and Telco Staff Caught in the Web"},"content":{"rendered":"<p><span style=\"color: #ff6600\"><strong>Africa-Press &#8211; Ghana. <\/strong><\/span><b>Telecom operators in the country have certain categories of agents called SUPER AGENTS, who have been given some level of access to the backends of the telcos to do more than regular agents do \u2013 these include SIM swapping and crediting the wallets of other agents with e-cash.<\/b><\/p>\n<p>This could be the avenue for an emerging kind of fraud involving SIM swap.<\/p>\n<p>Techfocus24 has been speaking with one of such agents who has been in the business for over 25 years and is now a SUPER AGENT for telcos in Accra.<\/p>\n<p>The interview with the Super Agent was occasioned by a recent story of a gentleman whose SIM card was allegedly swapped on a Sunday and his two <b>Ecobank accounts containing GHS4,000 and US$8,000 were completely emptied<\/b> by the fraudster(s).<\/p>\n<p><b>Victim\u2019s Story<\/b><\/p>\n<p>Per the victim\u2019s story, he got a call from a fraudster pretending to be calling from MTN. The fraudster asked of his name and he mentioned it. Then according to him, the fraudster dropped the line and from that moment on, he completely lost network service on his phone. He could not make or receive calls and could not have access to the internet as well.<\/p>\n<p>The next morning, Monday, he went to MTN to find out what had happened to his number only to be told that he requested for SIM swap the previous day, which was Sunday, and it was done. So, he got the MTN staff to restore his SIM. He then checked his mobile money wallet and it was intact, but his two Ecobank accounts had been hacked and GHS4,000 and US$8,000 had been stolen.<\/p>\n<p><b>Customer\u2019s Naivety and Easy PINs <\/b><\/p>\n<p>Cybersecurity experts have said that either the victim gave the fraudster more information than just his name, or the fraudster might have had access to the victim\u2019s Ecobank Account PIN, secret questions, and some other details even before he called the victim.<\/p>\n<p>Indeed, Techfocus24 also gathered from some banks that customers tend to use very simple PINs like 000000, 111111, 123456 and worst of all, the last six digits of the phone numbers, all of which as easy for fraudster to decode.<\/p>\n<p><b>The SIM Swap<\/b><\/p>\n<p>Whereas that is yet to be confirmed, the incident raises a number of questions as to who requested for the SIM swap \u2013 which MTN staff approved of it \u2013 did the MTN staff who approved of it see an ID (Ghana Card) from the customer \u2013 did he\/she verify that the person requesting for the SIM swap was the same person whose face was on the Ghana Card?<\/p>\n<p>Techfocus24 has been speaking this experienced SUPER AGENT on the grounds of anonymity and he said \u201csuper agents have access to do two main things on behalf of the telcos \u2013 credit the wallets of other agents when there are no banks to do so, and also apply for SIM swap on behalf of customers.\u201d<\/p>\n<p>According to him, with the SIM swap, the super agent is required to do the following:<\/p>\n<p><b>Take the customer\u2019s name and phone number<\/b><br \/>\n<b>Ask the customer a number security questions listed by the telco for the agents<\/b><br \/>\n<b>Take a picture of the customer Ghana Card alone<\/b><br \/>\n<b>Take another picture of the customer holding the Ghana Card to ensure that the face on the card matches that of the holder <\/b><\/p>\n<p>The Super Agent then submits all that information to the backend of the telco, using their own unique ID code called the <b>AXON Number<\/b>, so that he the agent who put in the request could easily be identified by the telco in question.<\/p>\n<p>According to him, the information once submitted to the telco, is left for the <b>telco staff on duty<\/b> at that moment to check whether all the details meet the requirement before approving the SIM swap.<\/p>\n<p>\u201cSo even if I the super agent have plans to defraud the system, I cannot do it without the help of the telco insider who approves the request for the SIM to be swapped. The insider has the duty to ensure that the information I sent are all correct. So, if he\/she fails to do so, or deliberately overlooks the details, the telcos know which agent sent the request and which worker approved the SIM swap,\u201d he said.<\/p>\n<p><b>Former Telco Staff<\/b><\/p>\n<p>The Super Agent also noted that apart from insiders who are in on this fraud, some former workers of the telcos, particularly the IT staff, who have been laid off, are also very familiar with the way things work and they may either be manipulating the system remotely or are working with insiders to do fraudulent SIM swapping and stealing people\u2019s money.<\/p>\n<p><b>Fraudulent SIM Registration<\/b><\/p>\n<p>He is also particularly worried about the way in which the floodgates have been opened for all kinds of people to register SIM cards for others, saying that lots of those people register SIM cards without seeing actual Ghana Cards. They only use other people\u2019s Ghana Card details to register SIM cards for others and that is fuelling the SIM swap fraud as well.<\/p>\n<p>Indeed, there more than enough evidence to show that several people\u2019s Ghana Cards have been used to register SIM cards for others without the knowledge of the Ghana Card owner.<\/p>\n<p><b>Telco CS Confirms<\/b><\/p>\n<p>Indeed, Techfocus24 also reached out to a customer service staff of MTN who confirmed that indeed, when one requests for a SIM swap directly from the telco, they require the following:<\/p>\n<p><b>The name and phone number of the customer <\/b><br \/>\n<b>A blank SIM card (GHS10)<\/b><br \/>\n<b>A portrait of the customer (sometimes even video call)<\/b><br \/>\n<b>The Ghana Card of the customer <\/b><br \/>\n<b>The customer must personally show up and make the request<\/b><\/p>\n<p>But if the customer went to a super agent to assist, they will also require the customer to provide <b>an alternative phone number <\/b>to ensure that they are dealing with the actual customer and not a fraudster.<\/p>\n<p>And in all that, the <b>credentials of the staff<\/b> who finally actions\/approves the SIM swap are attached to the process so the telcos can easily trace the approval to that staff.<\/p>\n<p>So, in the case of the victim, the question still remains as to who showed up at the telco\u2019s office or at the Super Agent\u2019s shop and made the request, and whether that person presented a Ghana Card that had his picture on it?<\/p>\n<p>This story is still unfolding&#8230;<\/p>\n<p><strong>For More News And Analysis About <a href=\"https:\/\/www.africa-press.net\/ghana\">Ghana<\/a> Follow <a href=\"https:\/\/www.africa-press.net\/\">Africa-Press<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Africa-Press &#8211; Ghana. Telecom operators in the country have certain categories of agents called SUPER AGENTS, who have been given some level of access to the backends of the telcos to do more than regular agents do \u2013 these include SIM swapping and crediting the wallets of other agents with e-cash. This could be the [&hellip;]<\/p>\n","protected":false},"author":84,"featured_media":40235,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,9],"tags":[5092,5096,429],"class_list":["post-40236","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-news","category-miscellaneous","tag-africa-press","tag-africa-press-ghana","tag-ghana"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.1 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SIM Swap Fraud: Agents and Telco Staff Caught in the Web - Ghana<\/title>\n<meta name=\"description\" content=\"Telecom operators in the country have certain categories of agents called SUPER AGENTS, who have been given some leve ...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.africa-press.net\/ghana\/all-news\/sim-swap-fraud-agents-and-telco-staff-caught-in-the-web\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SIM Swap Fraud: Agents and Telco Staff Caught in the Web\" \/>\n<meta property=\"og:description\" content=\"Telecom operators in the country have certain categories of agents called SUPER AGENTS, who have been given some leve ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.africa-press.net\/ghana\/all-news\/sim-swap-fraud-agents-and-telco-staff-caught-in-the-web\" \/>\n<meta property=\"og:site_name\" content=\"Ghana\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AfricaPressTunisiaa\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-19T15:55:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.africa-press.net\/ghana\/sites\/18\/2023\/04\/postQueueImg_1681900043.03.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"720\" \/>\n\t<meta property=\"og:image:height\" content=\"398\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"cfeditoren\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"cfeditoren\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.africa-press.net\/ghana\/all-news\/sim-swap-fraud-agents-and-telco-staff-caught-in-the-web#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.africa-press.net\/ghana\/all-news\/sim-swap-fraud-agents-and-telco-staff-caught-in-the-web\"},\"author\":{\"name\":\"cfeditoren\",\"@id\":\"https:\/\/www.africa-press.net\/ghana\/#\/schema\/person\/068c7ab4e9634ae78ec5d54ec46598bb\"},\"headline\":\"SIM Swap Fraud: Agents and Telco Staff Caught in the Web\",\"datePublished\":\"2023-04-19T15:55:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.africa-press.net\/ghana\/all-news\/sim-swap-fraud-agents-and-telco-staff-caught-in-the-web\"},\"wordCount\":1089,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.africa-press.net\/ghana\/all-news\/sim-swap-fraud-agents-and-telco-staff-caught-in-the-web#primaryimage\"},\"thumbnailUrl\":\"https:\/\/static.africa-press.net\/ghana\/sites\/18\/2023\/04\/postQueueImg_1681900043.03.jpg\",\"keywords\":[\"Africa Press\",\"Africa Press-Ghana\",\"ghana\"],\"articleSection\":[\"all news\",\"miscellaneous\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.africa-press.net\/ghana\/all-news\/sim-swap-fraud-agents-and-telco-staff-caught-in-the-web#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.africa-press.net\/ghana\/all-news\/sim-swap-fraud-agents-and-telco-staff-caught-in-the-web\",\"url\":\"https:\/\/www.africa-press.net\/ghana\/all-news\/sim-swap-fraud-agents-and-telco-staff-caught-in-the-web\",\"name\":\"SIM Swap Fraud: Agents and Telco Staff Caught in the Web - 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