Not one of us has already found out how convenient an account operated via the Internet can be. There are more and more users of such accounts every day and they are usually very satisfied with such service. This means quick access to all information about your account, about operations carried out, and very quickly to make electronic transfers, which are often free. Hence? As it turns out, not only the positives. There are also bad sides. The number of people cheated by cyber criminals is growing at an alarming rate.
They meticulously exploit loopholes and are still largely unaware of users, only to gain access to our bank accounts and to look after our money accumulated on them. Unfortunately, there are more and more such threats. More and more often we can read about it in the press and on the Internet. More and more people are falling for their cheap grips. And the losses can be quite big. Often people lose their entire life achievements.
Can we protect ourselves from this?
Are there any methods that will reduce the likelihood that we will be deceived? There are a few basic rules for using the internet system to minimize the risk of fraud. To this end, it would be advisable to read the principles set out by the Polish Bank Association and the Polish Financial Supervision Authority. They regularly remind us of elementary principles that will protect us and our money from theft. There is probably no such thing as 100% certainty and protection against hackers, but we can significantly limit access to our funds.
On the one hand, it is hard to believe that we are still so naive, and on the other, these cybercriminals’ approaches are so effective and so credible that it is easy for more than one tough guy to be fooled and certainly give. Certainly not one of us opened an e-mail to our bank. The email usually includes a link that automatically redirects us to the page like our bank, or infects our computer with a spy virus and without much difficulty such a thief gains access to our savings. Nay. It happens that in such an e-mail there is a request, as if from the bank, to provide your confidential data – and what is worse, without blinking an eye, in many cases, we provide it.
These attached links after clicking redirect us to a page that is almost like a bank’s website. Using the login form, we automatically share to thieves all confidential data necessary to log in to our real bank. This is a very dangerous maneuver. We can lose everything in an instant. These types of crimes even have their name, namely phishing – which means no less, no more than free translation of catching passwords.
What protection measures can we use?
First of all, we must remember that our bank will certainly not contact us via e-mail and will not ask us to log in to the bank or to share any other personal data. If you already log in via e-banking, most banks use the masked password method, which involves revealing several of its letters in a different order. This greatly impedes criminals from accessing our password.
However, if we receive such a message, it is definitely better not to receive it, and certainly not to open any attachments. Nay. It is best to inform our bank and people in our environment as soon as possible about such an incident, who we know are also using this bank.
What else we can do?
Good antivirus software from reliable sources may be helpful. Just having is not enough. For the program to be effective, it must be regularly updated with all components. In addition, you should systematically update your operating system, web browsers or email – this way you will also reduce the risk of hacker attacks. And analogously – installing programs, games or other applications from an unknown source can significantly harm us and make it easier for criminals to access our accounts.
Another rule is the principle of limited trust, which applies not only when driving a car. We do not open attachments in a message that the sender does not know. In addition, limiting the electronic devices from which we will log into your account will definitely reduce the possibilities of cybercriminals. Logging in to your account on a computer at the university or at an internet cafe is not a good idea. What equipment would we not use, we must remember to log out of the account.
It is also good to log in to the bank each time by entering a website in your browser, then you are less likely to be automatically redirected to the wrong page. It is also sometimes good to track your account login history and consider changing your password and login. Think about whether and how often we will need it to feel safer.
It is also important to whom we share our personal data, payment or debit card numbers during card payments. Shopping with electronic payments is also definitely safer in proven, reputable stores or auction sites.
These few steps implemented will certainly limit the possibilities of fraudsters and increase our chances of not falling victim to cybercriminals.