How to Secure Your Internet Banking

How to Secure Your Internet Banking


ATM Card fraud has more than doubled over the last two years both in terms of value and volume, according to this announcement  to the Rajya Sabha 2017. Credit card fraud has declined over the period.Reported ATM/debit card fraud increased 179% in value from Rs 13.86 crore in 2014-15 to Rs 38.67 crore in 2016-17, based on data from the Reserve Bank of India.

People also get calls from  the Hackers and they use some tricky method to convince people easily.
and collect sensitive information very easily .
There are various ways in which fraudsters may try to deceive you into giving them your personal and security details. Here are some of the common online banking frauds that are prevalent

Phishing Emails: 

As the name suggests, these are fraudulent emails, claiming to come from the authorised channel. Further explaining the Phishing scams, Vice President, Banking and Financial Services, Virtus aPolaris, a financial technology firm serving leading software vendors in banking & financial services, said, "Phishing involves installing 'malware' or 'spyware' that reads sensitive client information including client details, passwords and PINs.  at the point of contact on channel. This channel could be an ATM, internet banking site, mobile banking app or the payment interface on an eCommerce site."

Always remember an corporate email id can made very easily . its take only few second to make a corporate email id.

like:-  donotreply.sbiatm@sbi.co.in 
           customercare@sbi.co.in

Trojans :-

Trojans are so versatile and can go unnoticed, their popularity has exploded until they've become the malware of choice for many online criminals.
Some of the more common actions that Trojans take are:








  • Creating Backdoors:- Trojans typically makes changes to your security system so that other malware or even a hacker can get in.
  • Spying: some Trojans are essentially Spyware designed to wait until you access your online accounts or enter your credit card details, and then send your passwords and other data back to their master.
  • Turn your computer into a Zombie! sometimes, a hacker isn't interested in you, but just wants to use your computer as a slave in a network under his or her control.
  • Send costly SMS messages: even smartphones get Trojans, and the most common way for criminals to make money is by using them to make your phone send costly SMS messages to premium numbers.
Avoiding using public wifi:-
The problem with public Wi-Fi is that there are a tremendous number of risks that go along with these networks. While business owners may believe they’re providing a valuable service to their customers, chances are the security on these networks is lax or nonexistent.
Man-in-the-Middle attacks
One of the most common threats on these networks is called a Man-in-the-Middle (MitM) attack. Essentially, a MinM attack is a form of eavesdropping. When a computer makes a connection to the Internet, data is sent from point A (computer) to point B (service/website), and vulnerabilities can allow an attacker to get in between these transmissions and “read” them. So what you thought was private no longer is.

Check for the latest Update of your smart phone and also its all software  :-
Regularly update your software because the developers always make changes and find the bugs and fixed it.

Change your Password regularly :- Regularly change your banking password, don't save your password to your web browser when you are using web browser and use virtual keyboard for more secure transaction .

 Make a strong Password:- Always use a different password for your online transactions. Don't Use your social networking password on password field of online transaction.

Don't save your password to web browser:-  Never saved your transaction log in id and password to any web browser. Its save cookies , so its harmful for you.
   



Don't share your OTP  with anyone:-  Don't disclose your OTP with anyone at any how. Any bank agent don't ask for password, CVV, Expires date , OTP. 


Subscribe For Mobile alert :-  Always active mobile alert , so if any unnecessary transaction or activities are happened then contact with customer care or go to nearest branch.

How can you know that your web surfing is secure ?
Usually, while browsing internet, the URLs of the website begin with the letters "http". However, over a secure connection the address displayed should begin with "https" - note the "s" at the end.


Don't Use Public Computer's for net banking :-  Never used a pc in cyber cafe for net banking, and don't use other's phone also. If its urgent then just use and change the password from your own pc or phone very quickly.

Don't use third party application :- Don't use any third party application for banking purpose.
I would like to request all of you that don't use also paytm for banking transaction.

Don't save your card details in any application :  I  hope you all are using online shopping software for online shopping, There is a option in payment section that saved card for future transaction , Never saved a single credential  there.

   

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