10/07/2020
... continuation
4. LAPTOP WEB CAMERA
You might have heard that some people mask their laptop cameras particularly when they are online. This is certainly with good reason. Hackers can set up viruses which alert them when a user accesses secure website through an infected computer. They then activate the We**am on your laptop and simply watch as you key in your credentials.
N/B: In some models, an LED light next to the camera will begin to blink when it is enabled. Watch out for that.
5. REMOTE DESKTOP APPLICATIONS
A remote desktop application (eg Team Viewer) allows user to either view or take control of remote desktop over a network connection. Using a device with such applications installed means that someone else can watch your moves online, unbeknown to the user of course. Such devices are therefore to be avoided when transacting online.
6. OPEN WIFI NETWORKS
It is now commonplace to instantly turn on your WiFi as soon as you walk into a restaurant or a hotel, or ask your neighbor for their password to get into their WiFi network.
However, criminals can easily set up open networks and then just harvest one's credentials after getting your MAC I.D ( Media Access Control address which is unique to your computer's network adaptor).
You should only access your bank via a secure network.
7. OTP ( ONE TIME PASSWORDS)
Some platforms will send a one time password which should be used to access your account. This typically happens on email.
As a safety precaution, one should use a separate device to view the OTP on email. For instance, if you are attempting to access your account via laptop, use your phone to check the OTP sent on email.
This is to avoid having all your online history on one device and keep preying eyes out.
8. AUTO SAVED LOGIN CREDENTIALS
Once you have accessed your account, you should avoid saving your credentials on your devices. You also should NOT take a screenshot or printscreen the secret question you used to register your account.
This also applies to saving your bank account or mobile money PIN on mobile phone.
Such practices can potentially leave you exposed should you loose your phone.
9. TEXT MESSAGES
Con artists have also been known to use familiar brands in the financial sector to give their scams a sense of credibility.
Typically, cons use text messages to advertise sales promotions, banking services or loan applications using assorted platforms.
Such communications sent via personal mobile number should be treated as suspicious and immediately reported to your mobile network provider.
10. PIN
Many forget to regularly change their PINs. You are encouraged to do this every three months as a safety precautions.
Some firewalls and computer operating systems require users to change their password every few days; and this is a practice we should certainly adopt on our phones.