Online Banking: Modern rhythms impose actions such as its control availableof the rest, the payments accountand the financial management to be part of the user's everyday life, and as normal to be done as long as it is connected. As there are not a few times that problems arise with it better safety during the proceedings online bankingThe ESET offers a good opportunity information about the basic principles for safer online banking and payments, with the advice of ESET's IT Security Specialist Ondrej Kubovič.
1. Use a trusted device. The first and most basic principle is that to connect to online account, we need to use a trusted device. Our computer, the tablets or smartphone is the best option, as it is more likely to notice if there was a suspicious activity, or if the device works strangely, while it is advisable to avoid the use of borrowed or public devices.
2. We are looking to connect. Not every internet connection is safe enough to be used for online banking or payments. Public Wi-Fi in our favorite café or a random network available in the city square may not be the best choice for saving savings or paying bills. If you need to use this type of connection, use a virtual private network (VPN) to keep your communication encrypted and therefore inaccessible to spyware.
3. Keep the computer up to date. Updated system and software close the loopholes that are sought after by laborers to infect your computer. To save time and maximize your protection, many programs offer automatic updates by checking for patches and new releases without the need for your attention.
4. Use a trustworthy and up-to-date solution security. Before logging in to your bank account or any payment, it is essential to install a reliable, multi-layered and up-to-date security solution. This solution will protect you from many types of malware, as malware can disguise itself as seemingly innocent emails or websites that trick you into revealing personal information.
5. Create a strong password and do not use it again. If you are not sure what a secure password means, you can use this easy one a short guide to creating powerful passwords. It is equally important, however, not to use it again, as the use of the same Password for the bank, the social medium and for other accounts can lead to big problems if one of them leaks. Alternatively, it is very useful and easy to remember a pass phrase, the so-called passphrase. Let's not forget, of course, the ability to use one password manager.
6. Use the test double factor certification. If the bank offers double factor certification (2FA), use it. This way the bank can double check if you are really logging in for a transaction, using something that only you have - like your smartphone. So even if your password ends up in the wrong hands, without the second verification it is useless.
7. Beware traps. Cybercriminals will literally do everything to extract sensitive information or data: pretend to be your bank, appear as an important notice, ask you to change your password via a link to the email you just received, and more. If you have a message asking you to change your credentials or click on a link, double check if it is authentic, and even better contact the sender for confirmation.
8. Use the disconnect /log out. Do forget it to disconnect from your account when you finish the transaction. It's more difficult for an attacker to hurt you while you're not logged in to your account.
9. Enable alerts through SMS. If you belong to those who control him online their bank account once a month or even less, turn on notifications at phone your. Having information about all current movements makes it much easier to identify any suspicious activity.
