More people are turning to the Internet to conduct financial transactions and make purchases, thanks in large part to online banking and shopping providing greater convenience. Cybercriminals, on the other hand, are taking advantage of chances to steal clients’ passwords, identities, and money.
Here are some helpful hints from Kaspersky Lab’s staff of security experts to assist you to keep your money and data safe when you’re surfing the web:
Keep In Mind That Not All Links Are Genuine
You should never click on a link to visit an online bank, shop, or payment website. Instead of clicking on a link, enter the URL manually — instead of using it as a shortcut. Do not go to websites by using the following links:
- Links in emails
- Messages on social network sites
- Messages in chat rooms
- Banner ads that are on suspicious websites
- Links sent to you by people you do not know
Beware of Fake Communications
Most financial institutions will never ask clients to:
- Send personal data in an email
- Visit their site for authorisation
- Enter personal data in pop-up windows
Check the URL
When visiting a web page that requires you to provide sensitive information, double-check that the address of the browser’s displayed page is correct. If the URL appears to be a random string of characters or looks sketchy, do not submit any data.
When you’re using a password manager, always make sure it’s an encrypted connection. If a connection is secure, the URL will begin with the letters ‘HTTPS,’ and the address bar or browser status bar will contain a tiny lock icon. When you click on the lock symbol, study the information about the SSL authentication certificate that has been granted to the site (you’ll be able to see when it was issued, who issued it and for how long).
Use Your Own Computer and Internet Connection
When you need to use online banking services or online retailers, try to avoid using public computers — particularly Internet cafés, airports, clubs, hotels, libraries, and other places. These public computers may be infected with a variety of spyware applications. If this is the case, these malevolent programs might record everything you type on the keyboard — including your passwords — as well as capture Internet traffic.
Even if you use your own computer to conduct online transactions, avoid connecting to the Internet via a public Wi-Fi network. There’s a danger that the traffic might be intercepted by the network administrator or cyber criminals on a public Wi-Fi network, and attacks may be launched using network worms.
Avoid Using Your Primary Credit Card or Debit Card
You may find it useful to have a separate card for online transactions only. It’s possible that you can limit your “online credit card” or “online debit card” credit limit or even restrict the amount of money you can put on it.
Learn From Other People’s Experiences and Failures
Before you buy anything online, check out customer comments about that specific business.
Be Wary of Sites That May Be Untrustworthy
Avoid purchasing from shops that use free hosting services to host their websites.
Visit the Website to View More Details About It
If you have any doubts or suspicions about a firm’s website, use a WhoIs IP service to learn more about the domain, including how long it’s been in operation and who owns it. Keep track of how long the domain has been paid for.
Remove Any Potential Vulnerabilities From Your System and Apps
Install the most current updates on your computer and other devices. This will help to eliminate the operating system and application security vulnerabilities that might be exploited by malware programs and assaults. Because Windows OS products are frequently targeted by flaws, it’s important to ensure you’re safe whether you’re using the newest OS, XP, or Windows 7 – security is critical.
Maintain Your Firewall
For an even greater level of protection, you may wish to install the application and software-based firewalls instead of only utilizing a basic firewall.
Malware and Internet Security Dangers Should Be Avoided
Some anti-malware solutions are more effective than others at detecting and removing computer infections. A thorough antivirus program can defend you from computer viruses, worms, Trojan horse viruses, and other threats. Some anti-malware applications include additional security measures that provide added layers of protection when shopping online or using bank websites.