Safe Tips for Making Internet Banking Transactions
The rapid development of technology and the internet has a positive impact on society. However, on the other hand, crime is also growing. Fraud is not only physical in nature but also targets the virtual world.
For those of you who frequently make transactions online, and make payments through internet banking services, you need to be aware of crimes that might arise, for example: phishing.
You can avoid this as long as you are always alert and know tips for safe transactions when using internet banking.
So you don't need to be afraid of doing internet banking transactions. The key is in yourself, like the most important basic thing, don't be easily tempted by the temptation to win prizes by providing complete personal data.
You must take good care of your personal banking data to anticipate cybercrime.
How to Use Internet Banking Safely
Internet banking is a safe and secure financial service from a bank, the fact is that some people are still afraid to use it. This is a common phobia due to excessive fear that internet banking has many types of technology-based crime risks.
Indeed, internet banking has certain risks, but these risks are also associated with your behavior that does not understand how to use internet banking properly and safely.
Then, what must be considered to avoid crimes that may arise from this online transaction?
Check out tips on how to do internet banking safely:
1. Use Personal Computer when Access Internet Banking
To protect your personal information and financial data, use a personal computer or smartphone to access your account.
Do not access your account from a public place such as an internet cafe or a shared computer. Because more online fraud occurs in places like that. Never use a shared (Wi-Fi) connection to log in.
If you need to log in from a shared computer, just use your browser's 'incognito mode'; where the browser doesn't save your browsing and other data.
Use a virtual keyboard, because this will reduce the risk of password theft (keyloggeer).
2. Change Passwords Regularly
Get used to changing your internet banking password every 45-60 days. Create strong passwords by using special alphabetical, and numeric combinations.
Your password should be unique. Do not use the same password for other websites, and it is difficult for people to guess.
Avoid using names, dates of birth, telephone numbers, vehicle registration numbers and so on to create passwords.
3. Enter Internet Banking URL Correctly
When surfing the virtual world, most people use search engines such as Google, Bing, Yahoo, etc. to access what they are looking for, including transactions with internet banking.
The search engine will return results based on your search keywords.
And, it's possible that you're clicking on the wrong sitelinks. Usually such sites are almost similar to the pages of financial institutions that can steal your financial information.
Don't carelessly click on e-mail links to open internet banking sites, because usually that's the way to steal your data.
Currently, banks have used Hypertext Transfer Protocol Secure (https) to transmit information between client computers and their servers. This technology uses an encrypted connection that allows data transfer to be more secure.
See 'https' in the URL address. If you don't see 'https' in the URL of the login page, then avoid logging in.
4. Don't Respond to Emails of Unspecified Source
Do not log in by clicking on a link email sent to you. For information regarding personal data, your bank never asks to verify your log in details.
It will do you good to stay away from such emails or calls. Never respond to the email and do not download any type of attached file/document.
5. Don't give your User ID, Password and OTP Code to Others
Never reveal your personal information or data (ID/identity document) and banking passwords and even your OTP code to anyone, or anyone, including parties claiming to be from the bank.
Never write down user ID and Password on paper; just remember. However, if you forget it, you can just reset the password.
You have to take good care of personal data. Never share selfies with ID cards, TINs, etc. Never share credit card numbers with CVV either.
6. Turn on Account Notifications
Now all banks have automatically sent credit and debit confirmation messages to customers. If you don't receive such a message, please visit your bank branch and enable account/transaction notifications.
Such notification will help you in detecting unauthorized activity. If you change your phone number, immediately inform your contact to the bank so that you can receive the information properly.
7. Don't forget to properly log out
Don't forget to log out from the internet banking page after using it. Currently, the computer can indeed be set to exit automatically from the website/application that you open. This means that if you leave your computer unattended for a period of time, you will automatically be logged out of your account, even if you have not chosen to log out.
You can also delete browser history and cache after the end of the online session. Using internet banking correctly will make it easier for you to make banking transactions comfortable and safe.
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