What Anil Saini Wants From All Types World Banks: A Global Appeal For Banking Action Against Online Scams

In the trendy virtual world, in which on line transactions happen in seconds, scammers are additionally quicker, smarter and more and more organized. They don’t use knives or guns—they use emotional manipulation, fake promises and virtual systems to dupe humans of their cash.

Anil Saini, a rising -known tech researcher and rip-off investigator from India, India, has now turn out to be the sufferer of a fraud by means of accident, however by means of choice—he intentionally entered into a rip-off run by means of a courting web website known as TheClassicmate.com, which caters to ₹51,800, and amused. His intention is not always to get justice for himself, however to store thousands and thousands of harmless human beings international from such crimes.

After submitting a complaint with India’s cybercrime portal and writing to Google, courts, and establishments worldwide, Anil is now globally appealing to all types of banks and economic establishments—public, non-public, nationalized, and worldwide—to take up the movement immediately, strong in opposition to scams and save human’s hard cash.

Why Banks Are So Important With The Fight Against Digital Scams

Every rip-off—whether or not it’s a fraud, mortgage trap, or faux process offer—has one not unusual in mind: to collect cash from the victim. And that cash usually flows through a financial institution account, UPI ID, or virtual wallet.

This makes banks the gateway to fraud detection and prevention. If banks act neatly and swiftly, they can:

• Prevent fraud in real-time
• Help better victims get cash
• Assist police in tracing scammers
This is why Anil believes banks need to take responsibility, no longer just act as passive channels.

What Anil Saini wants from banks worldwide

The important thing here is in-depth rationalization of the amendments and steps Anil needs from banks globally to protect virtual customers from getting scammed.

1. Instant account freezing for reported scams

Anil wishes every financial institution to have a 24/7 prompt fraud response system, wherein:

• If a customer reviews a rip-off transaction with proof (screenshots, chat, receipts), the financial institution should freeze the receiver’s account immediately.
• This account should remain frozen until the police confirm the case.
• Transfers to every other account should not be permitted at some point in this period.

“If banks freeze fraudulent loans with the first hour, 80% of losses can be prevented.”

2. Scam Risk Alerts Before the Scam

Banks already understand while an account is flagged for suspicious hobby.

Anil needs that:

• Before sending cash to any new account, the financial institution should warn the customer if the receiver is blacklisted or accentuated.
• A pop-up or message like:

“Warning: This account has acquired a couple of rip-off court cases. Are you sure you need to proceed?” should appear.

This will help prevent victims beforehand, as they send their cash.

3. Blacklist and ban repeated scam accounts

Scammers often use new names, but the pattern of fraud is the same.

Anil wants banks to:

• Keep a permanent internal blacklist of loans that declare certain accounts fraudulent.
• Share that information with:
o Other banks
o Police departments
o Government fraud databases
• Prevent scammers from starting a new account with the same bank again.

4. Automatic reversal of funds in proven scam cases

Anil strongly believes that if fraud is proven, banks need to refund the victim’s cash, mainly if:

• The organization claimed to offer a service (like a wedding suit or mortgage) and failed to deliver.
• The victim provides clean proof (calls, screenshots, charge receipts).

Banks need to follow a coverage like chargebacks on a credit score card, in which:

• The amount reverses to the victim.
• The fraudster’s account is completely blocked.

“If a fraudster used your financial institution to defraud me, your financial institution should help me recover my cash.”

5. Dedicated anti-fraud unit in every bank

Anil wishes all banks—public or government—to create a unique anti-rip-off group that:

• Responds swiftly to rip-off reviews
• Coordinates with cybercrime police
• Helps rip-off account holders tune in
• Automatically freezes suspicious hobbies

He recommends an instant helpline or WhatsApp variety to which victims can ship court cases and proof.

6. Public List of Accounts and UPI IDs Linked to Scams

Banks should often have percentages or percentages with authorities of:

• UPI IDs, the financial institution owed money, and contact numbers used in the scams shown.
• Alert lists for customers to test earlier than going through.
• Tools in which customers can input a UPI ID and notice if it is marked as unstable.

7. Prevent Scam Companies from Getting Payment Gateways

Many fraudsters create web sites and easily get entry to:

• Razorpay, Paytm for Business, Instamojo, etc.
• Direct on line banking charge options.

Anil wishes banks and charge gateway vendors to:

• Verify such corporations very well prior to approval.
• Check if the organization making the call appears in any fraud database.
• Refuse to provide services to fraud agencies beyond fraudulent cases.

8. Refund policies for emotional and relationship-based scams

Anil says banks should no longer forget about victims just because:

• They paid willingly.
• The rip-off becomes emotional, not violent.

He wishes banks should:

• Recognize emotional stress as a part of fraud.
• Accept action from victims from relationship, marriage, and love.
• Offer refunds or partial reimbursement if the right proof is presented.

“Scams usually don’t seem like robbery. Sometimes, they seem like love.”

9. Integration with national and global fraud databases

ANIL indicates that all banks must portray:

• National cybercrime portals (e.g., https://cybercrime.gov.in)
• RBI or important banks
• Cybercrime division of INTERPOL
• AI-pushed international rip-off detection systems
This will allow them to:

• Block global fraud transfers.
• Catch styles earlier than extra victims.
• Help regulation enforcement throughout countries.

10. Digital education for customers about scam payments

Finally, Anil wishes to out banks as educators, now not simply cash handlers.

He urges them to:

• Run SMS/email/ATM campaigns on fraud cognizance.
• Warn customers approximately romance scams, faux agencies, emotional frauds, and fake mortgage promises.
• Use push notifications or on line banking messages like:

“Beware: Never switch cash to unknown money owed to guarantee relationship or love.”

Anil’s message to world banks

“You are the primary and final factor of cash movement.
If scammers can flow our cash through your system,
Then you should certainly be chargeable to get the victims back.
Don’t simply protect the privacy of fraudsters – protect people’s cash.”