In recent times, online
transactions have increased and, therefore, fraud and digital scams. From
selling something for a second-hand website or application and the money never
arrives or even looking for a job and being contacted by a fake agency that
promises us the job of our dreams, but to which we must pay an amount to carry
out the paperwork ...
And these are the most classic,
but in an increasingly digitized world, the bad guys are also finding increasingly
sophisticated ways to carry out fraud.
Everyone can try to take care
of themselves but it is very difficult not to fall, as it is also very
difficult to stay on the sidelines of the digital world. Therefore, our
way of acting must be the same as in the real world and take the same care with
everything.
At VITRIKO we offer cybersecurity audits for companies and individuals, do not hesitate
to contact us .
7 steps to keep our money
safe on the Internet and avoid digital fraud.
·
Avoid
sharing one-time passwords (OTP) or scanning unknown QR codes. One of the easiest way to lose
our money is by sharing OTP with strangers or by scanning QR codes that are not
verified. Both QRs and OTPs should be used to give money and never to
receive money.
·
Do
not enter unknown links. Before
entering a link, we must check where it leads us, putting the mouse on it we
will know if it takes us to the original site or not. Although sometimes
this is not enough. Hackers can send youu a fake email with the appearance
of one of the bank and we confidently click without knowledge. You always
have to check the sender and see that it is the official email to avoid digital
fraud.
·
Do
not save the card data. Many
people have a bad habit of storing card data in different places and
applications. This is a practice that we must avoid since we are thus
being more vulnerable to any digital attack or scam. We may also have data
stored on these sites such as the telephone number, the address ... Imagine if
someone could have access to all that data together!
·
Protect
your SIM card. Online
banking is the order of the day and access from your smartphone is the most
normal thing in the world, so protecting your SIM card is very
important. In less than half an hour they could clone your SIM card and
with it they could receive the bank's confirmation SMS for any transaction.
·
Beware
of "contactless" payments . We must be careful with
“contactless” payments since they do not need a verification PIN and if we lose
the card or it is stolen we could have problems. In addition, lately the
banks have increased the payment limit without PIN, which also increases the
risk.
·
All
data is important. Not
only financial data is important, we must protect any personal data that may be
misused. We must avoid sharing personal information on networks and other
public websites.
·
To
the minimum fright. We
must contact the bank immediately if we are the victim of digital fraud or
scam. Although this does not mean that the bank will return the money
immediately. Liability depends on where the digital fraud
occurred. The bank is responsible for the fraudulent use of the card or if
it has been cloned in its ATM. However, the client is responsible if the
digital scam was produced by having shared OTP passwords, PINs or any data that
they access.