Factors Affecting Carding

[chushpan]

Carding, as a type of fraud using bank card details, depends on many factors that contribute to its distribution and effectiveness. Here are the main ones:

1. Development of technology and digitalization
   With the increase in the number of online transactions and the popularity of online stores, carding is becoming more common. People are increasingly using bank cards for online purchases, which creates more opportunities for fraudsters.
2. Security vulnerabilities
   Insufficient protection of user data, weak passwords, lack of two-factor authentication and software vulnerabilities allow attackers to gain access to card details.
3. Social Engineering
   Carders actively use social engineering techniques such as phishing to trick users into giving away card details. This is especially effective if users are not sufficiently aware of the risks.
4. The rise of the black market for data
   The existence of shadow platforms where stolen bank card data is sold is fueling the growth of carders. These platforms provide fraudsters with ready-made tools to commit crimes.
5. COVID-19 Pandemic
   During the pandemic, online shopping has increased significantly, leading to an increase in carding cases. People have started using the internet more often to pay for goods and services, creating more opportunities for fraudsters.
6. Lack of user awareness
   Many users do not know how to protect their data when shopping online, making them an easy target for carders.

These factors show that carding is a complex phenomenon that evolves along with technology and requires constant improvement of security measures.