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CBA to ban customers that use transaction descriptions to send abusive messages

CBA to ban customers that use transaction descriptions to send abusive messages

Commonwealth Bank of Australia is cracking down on the use of its transaction description feature after discovering that it is being used to send abusive messages, including threats to domestic abuse victims.

The bank says it will refuse transactions or even suspend or discontinue access to digital banking services if it spots "defamatory, harassing or threatening conduct, promoting or encouraging physical or mental harm or violence".

The warning comes in the wake of analysis prompted by disturbing messages in the account of a customer experiencing domestic and family violence.

The three month analysis found more than 8000 customers who received multiple low-value deposits, often of less than $1, with potentially abusive messages.

Catherine Fitzpatrick, GM, community and customer vulnerability, CBA, says: "We were horrified by both the scale and the nature of what we found...All genders were sending and receiving these messages, but the nature ranged from fairly innocuous ‘jokes’ using profanities to serious threats and clear references to domestic and family violence."

CBA notes that domestic abuse is often linked to financial abuse. Approximately one in four women and one in thirteen men in Australia have experienced violence by an intimate partner and, among those who seek support, up to 90% are also affected by financial abuse.

Comments: (5)

Ketharaman Swaminathan
Ketharaman Swaminathan - GTM360 Marketing Solutions - Pune 05 June, 2020, 17:161 like 1 like

This is definitely "WTF News of the Day"!

When there are so many other ways to send abusive messages, anonymously and otherwise, I'm extremely curious to know why somebody would choose the "space-poor" transaction description / narration field of a payment message for this purpose.

I hope banks don't use this as a red herring to totally scuttle key initiatives like Enhanced Remittance Data that they already seem to have put on the backburner.

A Finextra member
A Finextra member 10 June, 2020, 08:54Be the first to give this comment the thumbs up 0 likes

Disclosure: I am an employee of the Commonwealth Bank of Australia. The following are my personal views and I do not speak, here, for or on behalf of CBA

@Ketharaman - There are a number of reasons why people might use transaction descriptions to send abuse. Here are three that are top of mind:

  • Channel of last resort - sometimes this is the last communication channel available as the recipient has already blocked them via social media, changed address etc. Indeed some senders may be subjected to police-issued restraining orders preventing contact by phone, email, social media 
  • Fast and cheap - realtime and near-realtime payment alerts can be used as another way to impact the recipient. Imagine your banking app - which you rely upon for important notifications about spending/security alerts - pinging 500x times in one 24hr period to alert of a $0.01 deposit. 
  • Secure, reliable and lasting - delivery of "messages" which have high reliability/traceability (unlike SMS), cannot be deleted and taunt the recipient for many years to come as they take their bank statements to their accountant etc

Finally, I think some people use bank transfers as a messaging service simply because they think they can get away with it. 

Ketharaman Swaminathan
Ketharaman Swaminathan - GTM360 Marketing Solutions - Pune 10 June, 2020, 11:24Be the first to give this comment the thumbs up 0 likes

Thanks a lot Derek Jenkins for taking the time out and providing a detailed and cogent reply.

I wouldn't have guessed that Australia / CBA supports EFTs of as small an amount as $0.01. 

Out of curiosity, how many characters does the transaction description / narration field support in a typical online banking system in Australia?

A Finextra member
A Finextra member 10 June, 2020, 23:28Be the first to give this comment the thumbs up 0 likes

Disclosure: I am an employee of the Commonwealth Bank of Australia. The following are my personal views and I do not speak, here, for or on behalf of CBA

@Ketharaman - There are two primary funds transfer methods used by consumers. The older 'Direct Entry' system is limited to 18 characters. The newer 'NPP' system supports up to 280 characters (including emojis).

Ketharaman Swaminathan
Ketharaman Swaminathan - GTM360 Marketing Solutions - Pune 11 June, 2020, 10:52Be the first to give this comment the thumbs up 0 likes

Thanks a ton, @Derek Jenkins, 280 characters is a lot, especially when combined with emojis!

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