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Currently, digital crime is rife in the banking world, which impacts securing user data. Even though crime prevention in digital banking is indeed the duty of the government and related parties, you, as a user, can also take active steps to avoid this crime. Come on, see the tips for safer digital transactions below!
1. Be aware of the connection on the Wi-Fi
"Excuse me, sir/ma'am, what's the Wi-Fi password?"
You may often hear or use these conversations in public places such as parks and cafes. Did you know that not all Wi-Fi connections are safe and can be used for personal data hacking mode? You know!
Suppose you often use Wi-Fi connections in public places, especially without passwords. In that case, you must be careful because these connections risk hacking your data. Hackers deliberately do not provide a password on the Wi-Fi connection so that everyone can access it to track all its users' IP addresses.
To avoid this hacking mode, you must be more vigilant about free Wi-Fi connections in public places, use a Wi-Fi connection secured by a password, and use your own internet quota.
2. Avoid giving out personal information
Always avoid giving personal information to people you don't know, especially if the person calls on a private number but introduces himself as part of a financial institution and offers several offers. Immediately stop communication if they start asking for personal information such as ATM numbers and pins, especially if they start directing you to transfer some money.
3. Be careful with foreign links and files
You also have to be careful if you get suspicious foreign links or links that offer some items with promotions that don't make sense or warn you of unknown viruses that you will often encounter on social media or online search engines like Google.
Recently there has also been an increase in the mode of fraud through links and APK files sent via messages on social media. This fraud mode aims to steal essential data and information such as usernames, passwords, and internet and mobile banking PINs of victims.
So, never even open suspicious foreign links and files because it will make it easier for hackers to get into your electronic device.
The easiest step is to immediately close the window containing the link and reduce visits to similar sites or applications. It could be that the application was deliberately made with a virus that can bring up the link without your permission.
4. Be selective when using applications or websites
As is well known, perpetrators of digital banking often create fake applications or sites to trick victims who cannot distinguish fake websites from the original ones. Therefore, you must always be selective in using applications and websites. Ensure the application is safe because electronic devices with an antivirus can detect if an application or website has a suspicious system.
5. Always update the application or security system
Continually update your security system or regularly scan to check for suspicious activity. That way, you can detect hacking attempts quickly and take preventive action before unwanted things happen.
6. Change passwords regularly
If you have a password for any access to personal information, it is better to change it regularly. While this can shorten the time it takes to remember a password, it is hazardous because once a hacker gets hold of the password, they will acces more than one piece of your private information.
Therefore, make sure you change your password regularly, a maximum of once every six months. You must change passwords for critical applications such as internet and mobile banking, social media, and websites. The security system now also has a reminder feature for you to change your password within a certain period to ensure data security.
7. Backup data
Ensure you always have a backup or data backup other than your electronic device. So, if an emergency requires you to delete or format all data, you still have a backup for that data, which can be accessed at any time.
Such emergencies can happen, for example, when your computer defaces, and the hacker demands a ransom. So, you don't have to pay the money and can ignore the hacker's demands even though the risk is that some of the data contain essential information.
8. Increase transaction security
You can increase transaction security by using biometric authentication such as fingerprint access, face ID, or retina scans, which are difficult for hackers to access. That way, you don't need to panic if you detect an attempt to hack your ATM or debit card.
9. Report any suspicious transactions
The last step you can take is to make sure there is a list of suspicious transactions. Then, immediately report it to the digital transaction provider or the bank where you keep your money. The Call Center will usually ask for information about the suspicious transaction and quickly block access to your account.