₦airaland Forum

nabiz:
yes it is better as a worker but not for someone with family. My tv is always on from 5:30 am to 12midnght

Even as a family, there is every tendency that you won't finish 40gb data in a month on streaming. And to get 40gb, ot cost averagely 10k.

doggedfighter:
More people are discovering that it doesn't guzzle data that much.

That's the fear of many and with the increase in price many are exploring and coming to the realisation that it's better after all.

If for nothing else the ability to be in control is well worth it.


Even with the increase it's always same programmes and movies nothing new.

My brother, nothing new o.

My fav channels are nat geo wild, national geographic, real time, discovery ID, Al Jazeera then football matches. Aside for al Jazeera that is shown live on YouTube, all the programmes shown in the above listed channels can be found on YouTube. What else do I need.

Like you said... It feels gud to be in control.

nicho450:
Which platform shows the live match? Also can we get it on YouTube?

I used a live football match app on my phone, then casted the view on my smart TV.

Apps like Yasine, livefooty and plenty others stream football live on your mobile phone.

helinues:
Cable na waste of money. Just get unlimited internet and you are good to go

The major global media on on YouTube to stream live, there are several websites to stream sporting activities live

What amazes me the most was the number of unlimited channels available on the TV app.

decatalyst:
You just dey discover say he saves cost to stream?

I was shocked to see that I used 4gb to stream on my TV from morning till after Chelsea match yesterday.

As someone that goes to work and only watch TV during the evening hours, 10gb is far far enough for me for the month. So 20gb of 5k will serve two months.

For more than 2 years I have been consistently subscribing to DSTV, from last year march till last month, I was on price lock on 9k for compact. No doubt I was actually enjoying dstv especially premier league football.

So my subscription expired last week and I checked the new price for compact, it was 15k+. Geskiya I said I can't be subscribing again. The money is too much. Thanks almost 180k per year.

So yesterday, I was at home, was now playing around with my TV apps, what I saw really amazed me.

There are plenty apps that shows children movies, another ones shows action films, though old, but they are interesting. There is an afroland TV that shows Nigerian movies. This afroland shows live France 24 news. There is Plex TV that shows live channels and still have movies too.

Then I discovered that Al Jazeera, channels TV and some other news channels shows live on YouTube. Worst of it all is that, on YouTube there are some personal channels that have full videos on movies both foreign and locals, with very recent cartoons.

Then I said let me test the cast option. Lo and behold, when man city match started, I used a stream app to watch football on my phone then I now casted it to TV. O boy, everything clear.

I watched Man city, Tottenham and Chelsea matches.

When I was leaving the house after Chelsea match, I checked my data, despite connecting it to my TV since morning, I didn't blow up to 4g.

So if I used that my 9k I was using to subscribe to DSTV compact and buy Airtel 22g for 5k, I will be on unlimited streaming till month end.

Watch at you own space.

In addition, some of these documentaries that is been shown on nat geographic gold and wild, discovery channel, investigation ID, there episodes are there on YouTube. All you need is to search for it.

My brothers and sisters....

Bye bye to DSTV and other paid TV.


In addition, there is a radio app on the smart TV that brings to you plenty radio channels both home and abroad. What I haven't confirmed is if it's live or pre recorded.

What you guys dont know is that this country have been taking over by fulani bandits. I mean, in every nook and cranny of this nation, all the forests, there are sleeper cells of fulani terrorists. THey are there just waiting for the tright time to act. All these kidnapping is to raise fund for the bigger attack they want to do. Imagine from this story, the kidnappers are begging for food, this shows that the ransom dont end up in their pocket, it goes to their ogas at the top.

WHen they tell you that they wont stop till they dip the tip of their sword into the atlantic ocean, you thought they were playing.

There are only two ways to stop the inevitable blood shed coming up.

Divide this country to stop the overall advancemnt of jihadist into southern nigeria

or

Split the country into region with each region responsible for their own security. This way, we each region can use their state power to combat these herdsmen.

Else every effort by either the FG or state govt or individual vigilante will be sabotaged by their ogas in power.

Let me remind....
Did you hear the news of soldiers attacking a mopol base in jos, even when the mopol didnt do anything. Think...
Why is it that anytime the locals pick arm to challenge herdsmen, soldiers are been deployed to those areas, but when herdsmen are attacking, you wont see soldiers.

Let the south keep fighting each other base on tribe.

Soon, there might not be any tribal comments on the internet because southerners will probably be leaving in IDPs where there are no netwrk to browse the net.

By then, its too late.

These once never know the hardship wey dey this country.

96ACE:
You go beg to come back from Niger

Have you ever been to Niger republic before.

Once you go, come back and repeat this your statement again.

following...

Kindly add Niger republic, about 3 of us from our work place are planning to relocate to Niger, hopefully everything will work out fine.

The only thing we are hearing since APC came in is loan tax loan tax loan tax....

What's going on.

Can't we for once get serious leaders.

Shey na this man our army said they have killed...

LordIsaac:
It happened twice…same amount. It stopped after I blocked the account. That’s the problem.

If you are coming back soon, meet them and they will explain. Or you can chat them on twitter, am sure they do respond, let them provide explanations for you.

Hydroxide:
Lately, your bvn details and other details can be used to register an account without you being aware of that account. It is mostly done with Moniepoint.

Yes o....

It's why we have to keep our details safe.

One can use your BVN details to open account in some fintech apps, then use the account to collect loan, later main account will now be debited during loan recovery, then you will be wondering when you collected the loan.

LordIsaac:
I travelled out of the country only to see that ZB debited me about 200k. I ignored it. A month later, they debited me same amount. And the transaction history reads a form A I did with them over 5 years ago. I had to block the account. I plan to take it up when I return, God willing.

You said transaction read "Form A"... Its likely not a fraud, when you come back you meet them to explain it.

SouthSouth1914:
Bank staffs are responsible for 95% theft!

Very false accusation.

flystrategist:
Bank employees have access to the backend systems and databases, but it's important to clarify the level of access they possess. Privileged access management ensures that backend developers, for example, have limited capabilities within the database, typically restricted to querying data for their work.

Suggestions that bank staff could easily facilitate hacking overlook the stringent controls in place to prevent unauthorized access.


A google search on how payment system works would give you a better idea” I’m not saying bank staffs can be part of a hack, but it’s more complex than you think. In Security, a bank staff who helps hacker facilitate this type of hacking would be called “ Insider” this type of hacker has to be so serious that it can bring down the entire banking system. What hope is referring is the lies perpetrated by an average Nigerian who thinking every time their most disappears, it means a banker was behind it.

Exploring how payment systems operate through a Google search could offer a clearer understanding. While I'm not implying that bank employees can participate in hacking, it's crucial to grasp the complexity of security measures.

In cybersecurity, a bank employee aiding hackers in such activities would be labeled an 'insider threat.' This type of threat is significant enough to potentially disrupt the entire banking system. What the poster is alluding to are the misconceptions perpetuated by some individuals, particularly in Nigeria, who mistakenly blame every financial loss on bank employees.

Well said....

Dronedude:
Lame, there a lot more important things you didn't say to inform people rather you are making them feel relaxed with your lame comments.

YOu can as well add your own....

All the students will now do is tiktok and no longer reading their book.

gold360:
The poster is funny . Just a couple of days back the efcc chairman said they brought in a seventeen year old boy hacker into his office. All this boy needed was a laptop and the chairman's phone number . With which he was able to access his bvn number. Bank account details and othersand in minutes he was asking the chairman where will like the fund in his account to be transferred to

I watched that video, and I can tell you that, yes what that boy did is not rocket science. Its what you can even do if you undertand USSD banking. I wont say much here just so that others wont go and be trying it. But if I have your phone, there is a USSD code that can be used to retrieve your BVN number. There is a USSD code that can be used to check which bank you have acount with. All that is needed to be done is to have access with the victims phone.

DO you know why the rate at which criminal stab innocent people just to have their phone. This is because beside selling the phone, there are syndicate that pays more money to have the victims sim card. Its same method they use to hack account. With you pjhone and sim with them, they can reset anything they want to reset and access your account.

Am more concerned why the lady will record everything... And why then did she send it to your wife.

This your story get as e be.

A lady that havent met your wife before just decided to send bad evidence to her just like that.

Except if you have promised the other lady marriage, I see no reason why she will leak u guys secret.

Remman:
LMAO! You've never experienced it. You will niether get alert or see the transaction history for it.

Not possible...

If your opening balance is $10 and your closing balance at the end of the month is $5, some where in your history, you will see where the $5 dollar have gone. Its possible you didnt get alert, but you will definitely see it in your statement.

Now if your statement is missing some transaction, which is highly unlikely, the bank system can tell who and when your statement was tampered with. This is why I said, its very very unlikely that a fraud can not be traced in the bank, the only thing I know is that the fraud might not be detected fro a long time, but will one day be traced.

Remman:
Add crime in front of the syndicate for your understanding of what i meant by syndicate. In summary there are "CRIME SYNDICATES" in some banks who carry out "UNTRACEABLE" frauds in their banks.

No fraud is untraceable in the bank, you can only say that they werent discovered early enough. Somewhere someday, the bank will discover. Except if the various unit in the bank arent doing there work.

Remman:
It means you don't know how computer database works. Do you know what "ADMIN" "BACK-END" "C-PANEL", ETC. means in a computer database network management system? Bank staffs involved in this hack is like a syndicate.

Similar thing happens in most hotels where almost all the Staffs would come together to steal from the hotel and share the money anonymously.

Based on the complexity of technology in place now, it is almost impossible for staffs not to be involved in such fraud. Even if FBI is investigating bank fraud, they first do research on all the staffs.

You simply don't know how this works. Do you?

Go back to my first post. I in no where said that bank staff dont commit fraud. I mentioned that all these cases of customers account been wiped out are "highly unlikely" to be carried out by bank staff, except there is a collabo between group of staff.

And mind you, this type of back end hacking that you are talking about, most of them time its not customers account that they tamper with. They usually tamper with banks ledger. And still, its cant be done by one man, its usually a collabo or a negligence from the part of the staff who is supposed to authorise or verify the transaction.

Jogs1900:
Bro, in the bank one person cannot start a transaction and finish it...There's always an initiator and an authorizer even in their IT department..
To write ordinary letter in the bank, it must be signed by at least 2 staffs.

Its wat some people dont know. Even to withdraw 100k from customer's account, 2 or 3 staff must have to be involved.

For some transactions, some banks have:
INITIATOR
VERIFIER
AUTHORIZER.

And except the above staff collaborate among themselves, its very difficult to tamper with customer's account.

Remman:
Lol, only one bank staff with access to the backend details can wipe your account without sending alert to any number attached to receive alerts. Some of them with admin access even go as far as wiping illegal transaction details from their server in order to render the transaction untraceable. When they say bank staffs are involved, they're not talking about cleaners or housekeeping.

Like I said earlier, any staff who tampers with customers account is likely a staff that is about resigning or about to japa, because if a staff does that, it wont take long before he will be caught. So the tendency of your account getting wiped by a bank staff is very very small.

Also, bank staffs can give hackers key details to your account to make the hack successful.

What details is the staff giving to the hacker..? Is it BVN, Acct num, phone num or what. A hacker who have what I listed can not do anything to your account except the staff helped the scammer to change the phone number on your account. And doing that will require multiple authorisation as its the standard in most banks. ANd thats highly unlikely.

Currently, at Access Bank small small amounts of money like N20 and below drops from your account balance every 45 days and you won't receive alert for the mint cuts neither would you even notice it and when next you receive alert for a genuine transaction you may think the cuts are bank charges. While GTBank would even charge you yearly for ATM card that you never applied for. Most of these illegal transactions comes from the bank server and they're not errors, they were set by somebody.

If you go through your account history, you will see the details of those deduction been made from your account. Its usually SMS charge or Stamp Duty charge(Electronic transfer Levy). Some banks dont send sms for such transaction. So its not the staff that is stealing your money, its the usually banking charges that is been debited.

The bottomline is, be in the know how how your banking transactions work. Understand what can be done to your account if you misplace your phone, card or token. Also under what to do when any of your banking peripherals is missing. All banks have the code for emergency blocking of account in case something goes wrong. Also understand the implication of compromising your banking details.

When you know all this, it will better equip you against scammers and hackers

HOW TO PROTECT YOUR ACCOUNT

The basics: Have a separate account where you keep small funds for logistics and small expense. This account you can use the ATM to purchase from anywhere, you can do anything with it. This way, when the account gets compromise, you have nothing much to loose.

Avoid having mobile app and your alert number on same phone. This is a disaster because if that phone gets missing, any one who picks it can easily reset your banking details and move your funds.

When ever you are using ATM machine, dont allow any one to help you. This is the method they use in swapping peoples card, then you will think that your card have been trapped by the machine, without knowing that it was swapped.

If you have multiple accounts, if possible, use different number for alert. it will save you in case you ohone gets compromise.

Ensure that what ever banking services you applied for, such as internet banking, USSD, mobile etc, that you are using them. If you are not using them, go and deactivate the once you are not using, Such loopholes can help scammers get to your account.

Always use POS stands that have solid structure. Some of these POS agents whose stands are movable are likely hackers. When they get some customers details, they move to another location.

If you receive any call from anyone claiming to be calling from the bank, plz dont give out any details like your card numbers, card pin, token etc.

Whne you recieve messages for you to click and win a prize, if its not a message that u are expecting, dont click, you might end up compromising your phone giving room for hackers to wipe your account.

What some of you dont know is that CBN through commercial banks have given individuals(AGENTS) right to enroll BVN for people. These individuals have access to CBN-BVN data base. So if they should enter a particular BVN number into their system, the persons name and other details pops up. This way, criminals among them can permutate BVN number, enter it and gets the person details then they call the person and try to extract valuable information that will help them hack your accout. Even some of this fintech apps, when you want to open an account, they request for your BVN, then when you enter it, the BVN details comes up. These are ways that hackers gets costomers information, and when they call you and read out your details to you, you will be thinking they are calling from the bank, whereas they are scammers who have used advantage of the system in place to get you details.

CONTINUATION

When you are always making purchases using POS, you are exposing your account. This is because some POS agent have learnt the skill of either swapping customers card or intentionally putting a device on their POS to gather customers information and before you know it, you will start receiving alert in the middle of the night.

I dont want to demarket any fintech, but the POS of one particular fintech is largely used for such act. And if you check the statistics of victims who got unathorised debit through POS, the money usually goes to that fintech.

When you make purchases online, you are equally exposing your self as some unsecured site can easily be hacked and your banking details stolen. Have you ever wondered how out of the blues, a soft token is been sent to your phone to authorised a trnasaction, Its issues like this that got your account compromised.

Know the services that you bank offer and know which one you applied for and using. Some of us might have applied for mobile app, USSD, ATM, Internet banking. But we are only using one or two of what we applied for. The implication is that, you have given hackers the window to activiate any of the remaining banking service and use it to wipe our funds,

Some times we respond unnecessarily to calls and message sent by scammers, there by given them enough information, no matter how small, which they can use to get hold of our funds.

HOW THEN ARE YOUR ACCOUNTS HACKED/COMPROMISED

I saw another thread on FP of Shaun George complaining that her money have been wiped away and tranfered to an opay account.
When you look at the description on the alert message, it reads "NIP/CR/....." From my little experience in banking trasaction, that trnasfer was made from a mobile app, either through her phone or someone close to her had access to her banking peripherals such as token, etoken or ATM card. Assuming the transaction read like "ATM purch or Interswitch..." we could be guessing that a big time hacker did that. But this particular one, her phone was compromised and her mobile app was used to make the transfer or her banking peripherals fell into the wrong hands.

In other to avoid been a victim, safe guard your phones and banking peripherals very well. At all time, let your phone be with you. I have seen some people having their ATM card at the back of their phone. If someone sees the digits of your ATM card, its enough to cause damage to you. Because it can be used to reset a lot of your banking details.

Always change the password of your phone screen lock. Mayb every month, you change the pass word. A lot of people are monitoring you without you knowing, all they are waiting for is just a mistake from your.

I have a friend whose colleague transfered the guys salary to a POS agent. I and my friend went to the bank to rake at the customer service. Only for the bank to tell us that its not the first time my friend sent money to that account, how come we are disputing this particular transaction. We went to the POS guy, the POS guy told us that its my friends room mate who came to collect the money from him. You see the problem, assuming we werent able to locate where the money was transfered to, that money would have been long gone and probably my friend might come and create a thread accussing bankers of wiping his fund not knowing its was done by his room mate.

Most of the time, its those who are close to us that uses our weakness or carelessness to steal our funds. ANd because the are close to use, we will never suspect them but rather point our fingers to the bank.

I have seen countless thread on FP where someone's account got hacked and his money wiped or where someone went to use ATM, the card got trapped and within minutes he starts getting alert.

What got my attention is that, on those threads, the majority of the comment you see there are pointing fingers to bank staff, that they are the one who collabo with scammers to wipe your account.

From my experience, the only way a staff can have access into your account and go uncaught is mostly when your alert number is not working or 3 or more staff collborate to steal for fund, because the chain of approvals in bank requires two or more person to approve a change of details in your account.

1) A staff can steal your fund if he successfully change and alert number, then forge your signature and carry out a transaction on your account. This way, you wont receive alert and will not be in the know of what has happened to your account. But any day you come to the bank and find out what happened, the staff will definitely be caught except if he has left the bank before you raised alarm.

Why this cannot work. To deactivate or change your alert number can be done only at customer service and requires multiple levels of authorisation. Then to perform a transaction on your account can only be done from teller point or fund transfer unit. Now, teller/fund transfer is a different unit from customer service. Hence this type of fraud is highly unlikely, except there is a collabo, between staff across units and also the senior authorising staff.

2) If a staff gives your details to a fraudster; the only scenario where this will happen is when the staff forge your signature and then look for a fraudster who will come into the bank and pose as you, then decieve the processing staff into transacting on your account.

Why this cannot work. Except an old generation bank, these days before performing a transaction on a staff account, the customers finger print will have to be verified and if the verification isnt successful, the transaction cant be processed. So this method is an old method.

3) When you card got trapped and you feel the staff took it and withdraw your money. This can only happen when the staff happen to know your ATM pin. Yes, some sites and eCommerce stores are configured in such a way that you can use ATM card to make purchase without entering your pin, but in this case, there will be a soft token sent to your line for confirmation. So for someone to make use of your card for payment/purchase, it then means that your pin is well know to the person.

Your card got swapped....

Except a staff is about to resign of japa, a staff will unlikely "touch" a customer's account because as long as the staff is still in the system, he/she will definitely get caught.

Disclaimer... Am not in any way saying that staff dont compromise customer's account, just that in most cases of account hacking, bank staff are higly unlikely to be involved.