Technology brings with it ease of performing tasks but also carries risks that may impact you as well as itself. In this virtual era where erasing our online footprint is almost impossible. Your transactions, shopping details, information, emails possess enough material for hackers to target.
Below are some few points to remember whenever you are spending online as we approach the holidays which comes along with shopping.
Card information and your account details are something that you must write down and have it accessible to someplace. Most times we store it on our drives or our browsers. Keep it in the inbox, typically on Gmail or in notepad. All of these are vulnerable to theft. Numbers, accounts, cards are usually synchronised, therefore making hacking easy. Don’t ever store your card details online, in your mail or even your phone. If it’s inevitable, save it offline and use a trustworthy app to lock it.
Always carry out your transactions either on your personal computer or your mobile devices. Don’t ever go to a public computer, shared devices or use a public phone to carry out a transaction online. They are highly vulnerable to attacks.
It is a friendly browser feature, which keys in your data automatically when you are filling a document online or entering your details. While it saves time and all, your card information is liable to be stolen if saved online. Even if it takes some of your time, try to fill in the details manually with extra care.
Keylogging allows a person to keep track of the keys pressed on a specific keyboard. While online transactions usually provide a virtual keyboard which continually changes. So it ‘s best to use them as it will leave no trace of your keystrokes online.
You may have noticed URLs (Universal Resource Locator)starting with ‘https://’. Well, its advisable to choose websites that have ‘https’ since the extra letter ‘s’ means the site is secure. It normally comes with a green lock icon in the address bar. Your data won’t be stolen while visiting these websites carrying ‘https’.
Card Verification Value (CVV) is a security feature found on a debit or credit card. It is usually located behind the card as a three-digit number. This is sometimes used when the PIN cannot be used. Scratch the number from the card, but making sure that it’s recorded somewhere, or instead, you memorise it.
Sharing OTP (One Time Password), login passwords over emails and phones is like calling a dog with a bone. You might have heard numerous news report about massive hacking attacks on emails, retrieving crucial information form thousands of accounts. Don’t ever leave a trace of what you share online. It is best you don’t reveal your OTPs or passwords to anyone.
Beware of fraudulent messages. Don’t ever reply a bank message asking for your card details. Also, as a plus point, if such message contains a link to a webpage, presumably the bank’s, do not access the link. Always open it using the URL through the browser. Be vigilant!
Download only official apps from your banks or other financial platforms because several fake apps circulate in the app store. The banks will generally have a link to download their app.