事关打击诈骗，香港金管局重大宣布！

Core Viewpoint - The Hong Kong Monetary Authority (HKMA) and the Hong Kong Association of Banks announced the launch of the "Smart Safe Deposit" service to enhance protection against fraud for retail banking customers, effective by December 31 [1][2]. Group 1: Service Overview - The "Smart Safe Deposit" service allows customers to set a protected deposit amount in their bank accounts, functioning like a safe [1]. - When customers wish to access their protected deposits, banks will conduct face-to-face anti-fraud verification to ensure customers are not being scammed [1]. - As of December 15, over 3,200 customers have utilized the service, with a total protected deposit amount of approximately HKD 1.6 billion, averaging HKD 500,000 per transaction [1]. Group 2: Fraud Statistics and Impact - In the first ten months of the year, Hong Kong recorded about 35,800 fraud cases, a slight decrease of 1.6% compared to the same period last year, with total losses down 8.7% to HKD 6.43 billion [2]. - The HKMA received 542 fraud-related complaints by November, representing a 28% decrease from the previous year [2]. Group 3: Industry Collaboration and Education - The HKMA and the banking sector are committed to enhancing customer protection and will actively promote the "Smart Safe Deposit" service [2]. - The "Smart Safe Deposit" initiative is part of a broader effort to educate the public on fraud prevention, including the "Smart Elderly Anti-Fraud Ambassador Program" launched in June 2025, which has conducted 37 anti-fraud seminars across 18 districts [2].