There are some people who have been doing online banking for several years. With the advent of internet banking, online banking has become a target for hackers. Recently, however, hacking has increased in this regard. You may hear several times that the customer does not have access to their account. You may be wondering if you need to pay bills online. Do I have to transfer money online? Questions like these can pop into your head.
These banking websites are often severely affected by such attacks. As a result of these attacks, banks have also taken decisive action and improved their systems to deal with these disasters more effectively. Even if hackers steal money from your account, you will still be protected because banks are accountable to their users. However, it is aimed at individual customers.
Online banking cannot be considered dangerous. However, caution should be exercised when doing online banking. When using online banking, you can adhere to certain rules.
Guess the risks of online banking. There are four types of attacks:
Identity theft: Your account can be compromised, even if nothing is stolen. Hackers can steal personal information such as social security numbers and identify important data. This data can be used to create new accounts or break into other accounts.
Phishing: This lures users to click on a fake link to a page that appears to be created by a bank. This site has a login where you have to enter your account details. They are then sent to the scammers. With details such as passwords, personal usernames and personal identification numbers, you can access your account or even steal money.
Key registration: If the banking site is available on a public network, such as WiFi or an internet cafe, there is a high chance that you will fall into the key registration trap. It uses software that records keystrokes to get details about your account.
Agriculture: It happens too, but it's hard to implement. This happens when criminals hijack bank URLs. When a customer visits a website, they will be redirected to a scam website that looks real.
How do you deal with such a disaster?
Ensuring the legitimacy of the bank. Beware of copycat sites. Don't fall for websites that use a name similar to your bank. If you receive an email claiming to be from your bank, never click on any links in the email. Just enter your bank's URL in the browser's address field. Then log in when the site appears. When the bank tries to contact you, you will receive a message if they have access to your account. You can even try the number printed on the back of the debit card or on the last bank statement.
Find out about the bank's security system. Learn how banks encrypt information. When you access the website, you will see a small lock or padlock icon letting you know that the transaction is as secure as the website. You can use your password and PIN code when accessing your account online.
Never send personal information by email. Under no circumstances will your bank ask for personal information.
Do you know how to protect the system. Such attacks are not always directed at banks. Make sure you have the latest version of an antivirus program installed. Make sure all software you use on your computer has the latest security updates.
Some websites offer a "Remember my computer" option. Do not enable this feature as if the bank system is detecting the IP address because some security data may be leaked. Hackers can spoof IP addresses and make the bank feel like the hacker's computer is yours.
