Why did carding become widespread?

[chushpan]

Carding, as a type of fraud, has become widespread for a number of reasons:

1. The rise of digitalization and online payments
   With the increase in the number of online transactions and the popularity of electronic payments, criminals have more opportunities to steal data. For example, the carding market volume in 2020 grew by 116% compared to the previous year, which is due to the active development of the digital economy and the increase in the number of users making purchases online.
2. Availability of fraudulent tools
   Carding tools and instructions are easily found on the Internet, including viruses distributed through pirated software and illegal databases with stolen information. This makes carding accessible even to people with minimal technical knowledge.
3. Weak data protection
   Many users and companies do not pay enough attention to the protection of their data. For example, the use of weak passwords, the lack of two-factor authentication and insufficient server protection create vulnerabilities that carders actively exploit.
4. Online anonymity
   Carders often use anonymous networks such as Tor and cryptocurrencies to conduct transactions, making them difficult to track and punish. This creates favorable conditions for the growth of fraudulent activity.
5. Economic benefits for criminals
   Carding is a highly profitable type of fraud. Criminals can quickly gain access to large sums of money, which makes this type of crime attractive to them.

Summary​

The spread of carding is due to a combination of technological, economic and social factors. To combat this phenomenon, it is important to increase the level of cybersecurity, both at the user level and at the level of companies and states.