Sumeria will now only pass in-app calls

Sumeria continues to fight fraud against false advisers. The former Lydia Accounts, become Sumeria A year ago, in fact, the last security initiative was launched. The application now relies on directly integrated calls to remove any doubt about the identity of its representatives.

FACTS

• Sumeria customers will no longer be able to receive calls from advisors in their financial service via conventional networks. Sumeria introduces in-app calls, a new security feature allowing its customers to talk directly with their advisors within their mobile banking application. conceptvc: 03a182ec-03bd-484c-b5aa-8a101eec0e61 notionvc: fca97f10-22e-4a30-a95f-807d7f095e63

• Sumeria customers will now receive the call from their advisors without going through the traditional telephone network. This in-app model should make communication more secure and facilitate immediate verification of the advisor's identity.

• The conversation is directly integrated into the secure application environment, significantly reducing the risk of usurpation and scam.

ISSUES

• Countering a Growing Risk : Since conventional telephone calls are easily imitated by fraudsters, Sumeria decided to take the problem counter-step by choosing not to use this unsecured means of communication. The Bank of France recalled recently that if fixed numbers are better secured by telephone operators since 1 October 2024 (limiting the risks of usurpation of the lines used by banks) fraudsters can continue to call from ordinary lines. Manipulation frauds including the use of false bank advisers represent thus always one of the two main methods of carrying out frauds on the transfer. According to means of payment security observatory (OSMP), this type of scam represented an overall amount of EUR 379 million in 2023, 20% more than in 2021.

• Make reference Sumeria now tells its clients that if they receive a call or contact request outside their mobile banking application, they will necessarily be fraudsters. It argues that its new system allows it to self-proclaim "the most secure mobile banking application in France in the face of fraud and false banking advisors".

PERSPECTIVE

• Sumeria already offered certified calls to try to reassure its customers and to guarantee them a higher level of security when interacting with their advisors. The service was this way deployed in September 2024, and presented as a new tool to counter phone scams. In addition, it introduced a silent authentication system last January.

• But faced with risks still existing, Sumeria today makes an even more drastic choice.

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