Online and mobile banking scammers’ tricks
SEE ALSO :Kenyans vexed by M-Pesa outage2. Non private modes By default, web browsers save one’s online history. Through your browser history and cache memory, it becomes easy for someone to track your online activity. To avoid this, you are encouraged to switch to incognito or private windows mode before accessing your money online. This will also prevent other websites from tracking your browsing history. Tip: CTRL+SHIFT+N shortcut will do the trick on Google Chrome, while on Safari, all you need to do is Choose File > New Private Window. 3. Secret cameras It is good practise to ensure that there are no CCTV cameras overhead or behind you; as you never know who is monitoring.
SEE ALSO :How hackers wired billions from banksA remote desktop application (eg Team Viewer) allows a user to either view or take control of a remote desktop over a network connection. Using a device with such applications installed means that someone else can watch your moves online, unbeknown to the user of course. Such devices are therefore to be avoided when transacting online. 6. Open wiFi networks It is now commonplace to instantly turn on your WiFi as soon as you walk into a restaurant or a hotel, or to ask your neighbour for their password to get on their WiFi network. More often than not, we view open networks (those not secured with a password) as a blessing from above. However, criminals can just as easily set up open networks and then harvest one’s credentials after getting your MAC I.D (This is the Media Access Control address which is unique to your computer’s network adaptor). You should only access your bank via a secure network. 7. OTP (one-time passwords) Some platforms will send a user a one-time password which should be used to access your account. This typically happens on email. As a safety precaution, one should use a separate device to view the OTP on email. For instance, if you are attempting to access your account via your laptop, use your phone to check the OTP sent on email. This is to avoid having all your online history on a single device and to keep prying eyes out. 8. Auto-saved log-in credentials Once you have accessed your account, you should avoid saving your credentials on your devices. You also should not take a screenshot or print-screen the secret question you used to register your accounts. This also applies with saving your bank account or mobile money PIN on your mobile phone. Such practices can potentially leave you exposed should you lose your phone. 9. Text messages Con artists have also been known to use familiar brands in the financial sector to give their scams a sense of credibility. Typically, cons use text messages to advertise sales promotions, banking services or loan application using assorted platforms. Such communications sent via a personal mobile number should be treated as suspicious and reported immediately to your mobile network provider. 10. PIN Many forget to regularly change their PINs. You are encouraged to do this every three months as a safety precaution. Some firewalls and computer operating systems require users to change their passwords every few days; and this is a practice that we should certainly adopt on our phones.