According to Cybercrime Magazine, the global cost of cybercrime is expected to reach $6 trillion by the end of this year. According to the Association of Certified Fraud Examiners, Fraud activities have been increased tremendously.
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Think Before Click
Before you click on any link, photo, or attachment you receive, consider whether it is relevant to you or was sent in response to your request or application. The majority of the time, these messages from unknown persons are fake. They entice you to click on those links in order to steal your personal information and transfer money to their accounts. Other types of attack include getting “randomly” chosen for a prize in a contest you didn’t even enter, or appealing internet offers that seem too good to be true.
Keep an eye on your credit score
Register for Credit monitoring services, these services notify you to any questionable activity on your accounts or if your information has been compromised in a data breach. Some even send you an alert if your data has been discovered for sale on the dark web. Many credit monitoring programmes are free with the option to subscribe to premium features.
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If your debit card or credit card information has been lost, misplaced, or exposed, you must immediately block the card via the bank’s app or by contacting your bank directly. Do not overwork yourself or make any rash decisions. The extent of financial loss can be reduced if the card is blocked in a timely manner.
Fake websites are a type of scam that is making the rounds on the Internet. These sites include legitimate-looking logos, photos, and payment choices, and they imitate actual e-commerce websites. Here are some guidelines for determining that a website is trustworthy:
Make sure the URL code is correct.
It may be too good to be true if you find low pricing or discounts of more than 55%.
Examine the creation date of the domain and the copyright date.
Purchases should not be made on new websites.
There are numerous scammers on the Internet, but if consumers and merchants pay attention and are aware, they can avoid becoming e-commerce fraud victims. It is critical to make a police report as soon as possible if you are a victim of an internet fraud.
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Remote Access to your computer
Anyone attempting to obtain remote access to your personal computer is almost always a scammer unless you have contacted an IT company to repair your home computer. Scammers will frequently use reasons like updating software or anti-virus to obtain access to your computer, then lock it down and demand a ransom to free it for you, and it may not even end there. They can do whatever they want with your payment information after you give it to them. The best thing you can do in response to any request for remote access to your computer is to simply hang up without saying anything.
Vishing & Smishing Fraud:
We’ve all received phishing emails, texts, and phone calls attempting to fool us into exposing financial information. Fraudulent callers may impersonate a bank or financial institution employee and seek for personal information, alleging reasons such as card or service expiration, unused reward points, free cashback, and so on. They will utilise your personal bank information to withdraw money from your account without your awareness once they have it. The scammer may pose as a person you know or a friend and beg you to send money right away, citing a “emergency.” Do not respond to these messages.
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Keep Confidential Sensitive Information
Never give out your personal information to a stranger or a third party posing as a bank or financial institution representative. Do not give out any personal or financial information over the phone, SMS, or email. Bank officials will not contact you for such sensitive information at any time. Never, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever, ever Never send money without first verifying the identity of the person who is requesting for such information.
Computer and Mobile Security
Keep your security software, web browser, and operating system up to date on your computer and phone. When asked to choose a password, avoid easy-to-guess passwords and instead choose a strong one that includes upper and lowercase letters, digits, and special characters. Do not use the same password for all of your online accounts. Before your security is compromised, change your password for critical payments on a frequent basis.
Use Card Safely
When paying at a store, restaurant, or receiving home delivery, you should never take your card out of your sight. Check to see whether the card reader POS machine is legitimate or if it’s a card skimmer in disguise that captures all of your personal information in order to steal your money. Only choose the international transaction option when you’re outside of India, as it eliminates the two-step verification process.
Use HTTPS secure websites
Signing in to an insecure public Wi-Fi connection can also be a problem because it makes your phone vulnerable to cyber criminals on the prowl. To perpetrate fraud, they can track your activity and acquire access to your computer or smartphone. As a result, whenever you make an online payment or share sensitive personal banking information, make sure you do so over a secure private connection.
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Use Trusted Apps
Mobile apps are fantastic for getting quick access to a wide range of services. However, not all apps are safe. As a result, be cautious about the apps you download on your phone and make sure they are authentic and verified. Established Fintech players are devising counter-measures to prevent this from happening.
While fraud and cybercrime existed prior to 2022 as well, the climate it provided allowed for an exponential increase in fraud cases around the world. Certain sorts of fraud and cybercrime will remain high-risk in 2022 as a result of the online era impact on business and lifestyle. People seek cyber security consulting firms help to safeguard from cyber attacks. Some penetration testing companies also help to prevent the user breaches by proactively raising the alert.
If people will follow above suggestions, then most of the scam and fraud attacks can be prevented at the first place.
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