payment card forgery, cybercrime, financial fraud, skimming, phishing


Payment card forging and high-tech crime are deeply rooted problems in today’s society. These sophisticated forms of crime utilize advanced techniques and high-tech tools to illegally access financial resources and commit fraud. Payment card forgery involves the creation of fake copies of debit or credit cards with the intent of conducting illegal financial transactions. Access to card data is achieved through various methods, including skimming (illegally collecting card data), phishing (fraud through fake emails or web pages), or the physical theft of cards. Simultaneously, high-tech crime encompasses a wide range of activities aimed at the misuse of digital technologies and networks to achieve financial gain or harm to individuals, companies, or states. These crimes often include computer fraud, cyber-attacks, and digital fraud. This paper aims to highlight the importance and seriousness of payment card forgery, explore different methods and patterns of these criminal activities, and emphasize their specific connection with high-tech crime. Different methodologies were applied in the research including quantitative and qualitative content analysis, comparative analysis, as well as descriptive and analytical statistics. The obtained results clearly indicate the growing importance of this problem both in the legislative and in the criminological contexts, with a constant increase in the number of committed criminal acts. Additionally, the research highlights the inextricable link between payment card forgery and various forms of high-tech crime, which often intertwine and together constitute an overarching challenge to the justice system and the security of society. Finally, the paper will consider various strategies and methods that society and the state can use to counter the spread of these criminal activities. The ultimate goal is to preserve the safety and integrity of the financial system and protect the interests of individuals.


12th UN Congress on Crime Prevention and Criminal Justice. (n.d.) Downloaded 2023 September 11, from

2001/413/JHA: Council Framework Decision of 28 May 2001 combating fraud and counterfeiting of non-cash means of payment Downloaded 2023 September 11, from TXT/?uri=CELEX:32001F0413

Barker, K. J., D’amato, J., & Sheridon, P. (2008). Credit card fraud: awareness and prevention. Journal of financial crime, 15(4), pp. 398-410.

Basnet, R. B., & Doleck, T. (2015). Towards developing a tool to detect phishing URLs: A machine learning approach. In 2015 IEEE International Conference on Computational Intelligence & Communication Technology (pp. 220-223). IEEE. DOI: 10.1109/CICT.2015.63

Cherif, A., Badhib, A., Ammar, H., Alshehri, S., Kalkatawi, M., & Imine, A. (2023). Credit card fraud detection in the era of disruptive technologies: A systematic review. Journal of King Saud University-Computer and Information Sciences. 35(1), pp. 145-174.

Cui, Q., Jourdan, G., Bochmann, G., Couturier, R., & Onut, I. (2017). Tracking phishing attacks over time. In Proceedings of the 26th International Conference on World Wide Web, (pp. 667–676). Perth, Australia.

Directive (EU) 2019/713 of the European Parliament and of the Council of 17 April 2019 on combating fraud and counterfeiting of non-cash means of payment and replacing Council Framework Decision 2001/413/JHA Downloaded 2023 September 11 from

Đukić, A. (2017). Krađa identiteta-oblici, karakteristike i rasprostranjenost [Identity theft forms, characteristics and prevalence]. Vojno delo, 69(3), pp. 99-116. DOI:10.5937/vojdelo1703099D

Featherly, K. (2016). ARPANET: United States Defense Program. Encyclopedia Britannica

Krivični zakonik [Criminal Law].Službeni glasnik RS, br. 85/05, 88/05 – ispr., 107/05 – ispr., 72/09, 111/09, 121/12, 104/13, 108/14, 94/16 i 35/19

Marforio, C., Masti, R. J., Soriente, C., Kostiainen, K., & Capkun, S. (2016). Hardened setup of personalized security indicators to counter phishing attacks in mobile banking. In Proceedings of the 6th Workshop on Security and Privacy in Smartphones and Mobile Devices, (pp. 83-92).

Matijašević, J. (2013). Krivičnopravna regulativa računarskog kriminaliteta [Criminal law regulation of computer crime]. Novi Sad: Pravni fakultet za privredu i pravosuđe u Novom Sadu

Merdović, B., Stojković Numanović, K., & Dragojlović, J. (2023). Confiscation of property obtained from a criminal offense as a measure to fight against organized crime. Kultura polisa, 20(1), pp. 87-109.

Milošević, M. & Urošević, V. (2009). Krađa identiteta zloupotrebom informacionih tehnologija [Identity theft by misuse of information technologies]. In: Nešković, S. (ed.), Bezbednost u postmodernom ambijentu – zbornik radova – knjiga VI [Security in a postmodern environment – Proceedings – book VI] (pp. 53-64). Beograd: Centar za strateška istraživanja nacionalne bezbednost

OECD Ministerial meeting on the future of the internet economy – Scoping paper on Online Identity Theft, Ministerial background report: DSTI/CP (2007)3/FINAL. (n.d.) Downloaded 2023 September 10 from

Pantić, S. (2018). Komparativna analiza krivičnog djela falsifikovanja i zloupotrebe platnih kartica [Comparative analysis of the criminal offense of forgery and misuse of payment cards]. Godišnjak Fakulteta bezbednosti, (1), pp. 391-409.

Pavlović, Z. (2022) Falsifikovanje i zloupotreba bezgotovinskih instrumenata plaćanja i evropski standardi [Counterfeiting and abuse of non-cash payment instruments and European standards]. In: Kostić, J & Matić Bošković (eds.), Digitalizacija u kaznenom pravu i pravosuđu – tematski zbornik radova međunarodnog značaja [Digitalization in Penal Law and Judiciary – Thematic Conference Proceedings of International Significance] (pp. 31-43). Beograd: Institut za uporedno pravo ; Institut za kriminološka i sociološka istraživanja DOI: ZR_22.DUKPP.03

Ross, J. I. (ed.). (2013). Encyclopedia of street crime in America. Sage Publications

Shahriar, H., Zhang, C., Dunn, S., Bronte, R., Sahlan, A., & Tarmissi, K. (2019). Mobile anti-phishing: Approaches and challenges. Information Security Journal: A Global Perspective, 28(6), pp. 178-193. https://doi.or g/10.1080/19393555.2019.1691293

Sullivan, R. J. (2014). Controlling security risk and fraud in payment systems. Federal Reserve Bank of Kansas City, Economic Review, 99(3), pp. 47-78

Vilić, V. (2019). Phishing and pharming as forms of identity theft and identity abuse. Balkan Social Science Review, 13(13), pp. 43-57

Zečević M. (2009).Bankarstvo[Banking], Beograd: Evropski Univerzitet.

Živaljević, D. (2022). Radikalizacija društva i terorizam, naučna monografija [Radicalization of society and terrorism]. Beograd: Akademija za nacionalnu bezbednost; Službeni glasnik




How to Cite

Stojković Numanović, K., Merdović, B., & Živaljević, D. (2023). FORGING PAYMENT CARDS AND CYBERCRIME. Pravo - Teorija I Praksa, 40(4), 138–154.