Carousel

Sponsored Links

Looking for House and Lot Within Tagaytay Area? CONTACT US!

Name

Email *

Message *

Showing posts with label security. Show all posts
Showing posts with label security. Show all posts

Friday, September 20, 2019

Do Not Post Your Kids' School Card, ID, Certificates And Other School Credentials On Social Media

It makes us proud that our kids do well in school. It also feel good to boast about it, hence, you often see social media posts from certain parents flaunting their kids' achievement.
But do you know that posting it in social media is not recommended by experts? Find out why.
It makes us proud that our kids do well in school. It also feel good to boast about it, hence, you often see social media posts from certain parents flaunting their kids' achievement. But do you know that posting it in social media is not recommended by experts? Find out why. Nakaka-proud talaga para sa isang magulang na maganda ang resulta ng inyong anak sa kanyang pag-aaral. Dahil dito ay maraming magulang ang hindi mapigil ang sarili na ibahagi ito sa iba sa pamamagitan ng pagpo-post sa social media. Pero alam nyo ba na hindi ito ipinapayo ng mga eksperto? Alamin kung bakit. Ads Sa mga magulang at mga mag aaral, Tayo po ay pinaaalalahanan at hinihikayat ng DepEd na iwasan ang pagpopost ng buong larawan ng ID, Report Card o Certificate ng ating mga anak sa Facebook o sa anupamang social networking site platforms. Ang mga dokumentong ito, bagama’t karapatdapat ipagmalaki, ay naglalaman ng mga mahahalaga at sensitibong personal na impormasyong maaaring gamitin upang mambiktima at manlinlang ng kapwa kabilang na may ari ng mga dokumentong iyon kasama na rin ang kanyang mga kaanak. Ads Sponsored Links 1. Ang buong pangalan ng bata at buong pangalan ng kanyang paaralan na matatagpuan dito ay maaaring gamitin upang matukoy kung saan siya naroroon. Napakadali ngayong isearch at makita ang mga social media accounts ng mga bata gayundin makita sa mapa gamit ang internet ang kinaroroonan ng mga ito; 2. Ang Learner Reference Number (LRN) na natatangi sa isang maga-aral ay matatagpuan rin sa mga dokumentong ito. Nakaugnay sa LRN ng isang bata ang kanyang historical school records kasama ang kanyang mga marka gayundin ang mga personal na impormasyon gaya ng petsa ng kapanganakan, adres, pangalan ng mga magulang, lahi, at iba pa, na pawang ginawa ng gobyerno bilang paghahanda sa National ID System. Isang hack ng database ng DepEd at tiyak na makikita ang mga impormasyong ito na magagamit sa Identity Theft o pagnanakaw ng pagkakakilanlan. Nagagamit, halimbawa, ang apelyido ng nanay noong dalaga at petsa ng kapanganakan upang matukoy ang password ng isang tao sa kanyang mga accounts; 3. Ang lagda o pirma ng mga school administrators at principals gayundin ang mga logos at headers ng mga paaralan ay naroroon din. Ang mga ito ay maaaring makopya at maedit para makahingi ng donasyon at makapangikil; 4. Ang buong Diploma o Certificate ay maaaring makopya para magamit sa pansariling kapakanan. Napakadali na ngayong mag edit at makapandaya. Kahit na po talagang maipagmamalaki ang mga dokumentong ito at masarap ipost sa ating social media accounts, isipin pa rin natin una sa lahat, ang kaligtasan at ang kapakanan ng ating mga anak at sarili. Ads Nakaka-proud talaga para sa isang magulang na maganda ang resulta ng inyong anak sa kanyang pag-aaral. Dahil dito ay maraming magulang ang hindi mapigil ang sarili na ibahagi ito sa iba sa pamamagitan ng pagpo-post sa social media. Pero alam nyo ba na hindi ito ipinapayo ng mga eksperto? Alamin kung bakit. Ads Sa mga magulang at mga mag aaral, Tayo po ay pinaaalalahanan at hinihikayat ng DepEd na iwasan ang pagpopost ng buong larawan ng ID, Report Card o Certificate ng ating mga anak sa Facebook o sa anupamang social networking site platforms. Ang mga dokumentong ito, bagama’t karapatdapat ipagmalaki, ay naglalaman ng mga mahahalaga at sensitibong personal na impormasyong maaaring gamitin upang mambiktima at manlinlang ng kapwa kabilang na may ari ng mga dokumentong iyon kasama na rin ang kanyang mga kaanak. Ads Sponsored Links 1. Ang buong pangalan ng bata at buong pangalan ng kanyang paaralan na matatagpuan dito ay maaaring gamitin upang matukoy kung saan siya naroroon. Napakadali ngayong isearch at makita ang mga social media accounts ng mga bata gayundin makita sa mapa gamit ang internet ang kinaroroonan ng mga ito; 2. Ang Learner Reference Number (LRN) na natatangi sa isang maga-aral ay matatagpuan rin sa mga dokumentong ito. Nakaugnay sa LRN ng isang bata ang kanyang historical school records kasama ang kanyang mga marka gayundin ang mga personal na impormasyon gaya ng petsa ng kapanganakan, adres, pangalan ng mga magulang, lahi, at iba pa, na pawang ginawa ng gobyerno bilang paghahanda sa National ID System. Isang hack ng database ng DepEd at tiyak na makikita ang mga impormasyong ito na magagamit sa Identity Theft o pagnanakaw ng pagkakakilanlan. Nagagamit, halimbawa, ang apelyido ng nanay noong dalaga at petsa ng kapanganakan upang matukoy ang password ng isang tao sa kanyang mga accounts; 3. Ang lagda o pirma ng mga school administrators at principals gayundin ang mga logos at headers ng mga paaralan ay naroroon din. Ang mga ito ay maaaring makopya at maedit para makahingi ng donasyon at makapangikil; 4. Ang buong Diploma o Certificate ay maaaring makopya para magamit sa pansariling kapakanan. Napakadali na ngayong mag edit at makapandaya. Kahit na po talagang maipagmamalaki ang mga dokumentong ito at masarap ipost sa ating social media accounts, isipin pa rin natin una sa lahat, ang kaligtasan at ang kapakanan ng ating mga anak at sarili. Parents and students are warned and urged by the Department of Education (DepEd)to refrain from posting the entire photo of school IDs, Report Card or Certificate of our children on Facebook or in any social networking site platforms. Though it is definitely something to be proud of, it also contains vital and sensitive informations that could be use by other people to victimized and scam other people including the person who owns the information and their families, friends and relatives. Ads Sponsored Links 1. The child's full name, the name and location of the school could be used to track where the kid is. It is now very easy for them to locate your kids just by looking into their social media accounts and google maps. 2. The Learner Reference Number (LRN)which is unique to every student can be found here also. the LRN is associated with the students school historical records including their grades and other personal information like date of birth, address, name of parents, race, ethnicity, and others which was made by the government in preparation to the National ID system. it could be a tool for identity theft. Mother's maiden name and birth date could be also use to determine passwords in their accounts. 3. It also contains the signature of the school administrators, principals as well as the logos and headers of the schools. It could be edited and maliciously use to extort money or to ask for donations. 4. The whole photo of the certificate or Diploma could be copied and used maliciously as well. So, before posting anything on social media, parents need to control themselves for security reasons.

Ads


It makes us proud that our kids do well in school. It also feel good to boast about it, hence, you often see social media posts from certain parents flaunting their kids' achievement. But do you know that posting it in social media is not recommended by experts? Find out why. Nakaka-proud talaga para sa isang magulang na maganda ang resulta ng inyong anak sa kanyang pag-aaral. Dahil dito ay maraming magulang ang hindi mapigil ang sarili na ibahagi ito sa iba sa pamamagitan ng pagpo-post sa social media. Pero alam nyo ba na hindi ito ipinapayo ng mga eksperto? Alamin kung bakit. Ads Sa mga magulang at mga mag aaral, Tayo po ay pinaaalalahanan at hinihikayat ng DepEd na iwasan ang pagpopost ng buong larawan ng ID, Report Card o Certificate ng ating mga anak sa Facebook o sa anupamang social networking site platforms. Ang mga dokumentong ito, bagama’t karapatdapat ipagmalaki, ay naglalaman ng mga mahahalaga at sensitibong personal na impormasyong maaaring gamitin upang mambiktima at manlinlang ng kapwa kabilang na may ari ng mga dokumentong iyon kasama na rin ang kanyang mga kaanak. Ads Sponsored Links 1. Ang buong pangalan ng bata at buong pangalan ng kanyang paaralan na matatagpuan dito ay maaaring gamitin upang matukoy kung saan siya naroroon. Napakadali ngayong isearch at makita ang mga social media accounts ng mga bata gayundin makita sa mapa gamit ang internet ang kinaroroonan ng mga ito; 2. Ang Learner Reference Number (LRN) na natatangi sa isang maga-aral ay matatagpuan rin sa mga dokumentong ito. Nakaugnay sa LRN ng isang bata ang kanyang historical school records kasama ang kanyang mga marka gayundin ang mga personal na impormasyon gaya ng petsa ng kapanganakan, adres, pangalan ng mga magulang, lahi, at iba pa, na pawang ginawa ng gobyerno bilang paghahanda sa National ID System. Isang hack ng database ng DepEd at tiyak na makikita ang mga impormasyong ito na magagamit sa Identity Theft o pagnanakaw ng pagkakakilanlan. Nagagamit, halimbawa, ang apelyido ng nanay noong dalaga at petsa ng kapanganakan upang matukoy ang password ng isang tao sa kanyang mga accounts; 3. Ang lagda o pirma ng mga school administrators at principals gayundin ang mga logos at headers ng mga paaralan ay naroroon din. Ang mga ito ay maaaring makopya at maedit para makahingi ng donasyon at makapangikil; 4. Ang buong Diploma o Certificate ay maaaring makopya para magamit sa pansariling kapakanan. Napakadali na ngayong mag edit at makapandaya. Kahit na po talagang maipagmamalaki ang mga dokumentong ito at masarap ipost sa ating social media accounts, isipin pa rin natin una sa lahat, ang kaligtasan at ang kapakanan ng ating mga anak at sarili. Ads Nakaka-proud talaga para sa isang magulang na maganda ang resulta ng inyong anak sa kanyang pag-aaral. Dahil dito ay maraming magulang ang hindi mapigil ang sarili na ibahagi ito sa iba sa pamamagitan ng pagpo-post sa social media. Pero alam nyo ba na hindi ito ipinapayo ng mga eksperto? Alamin kung bakit. Ads Sa mga magulang at mga mag aaral, Tayo po ay pinaaalalahanan at hinihikayat ng DepEd na iwasan ang pagpopost ng buong larawan ng ID, Report Card o Certificate ng ating mga anak sa Facebook o sa anupamang social networking site platforms. Ang mga dokumentong ito, bagama’t karapatdapat ipagmalaki, ay naglalaman ng mga mahahalaga at sensitibong personal na impormasyong maaaring gamitin upang mambiktima at manlinlang ng kapwa kabilang na may ari ng mga dokumentong iyon kasama na rin ang kanyang mga kaanak. Ads Sponsored Links 1. Ang buong pangalan ng bata at buong pangalan ng kanyang paaralan na matatagpuan dito ay maaaring gamitin upang matukoy kung saan siya naroroon. Napakadali ngayong isearch at makita ang mga social media accounts ng mga bata gayundin makita sa mapa gamit ang internet ang kinaroroonan ng mga ito; 2. Ang Learner Reference Number (LRN) na natatangi sa isang maga-aral ay matatagpuan rin sa mga dokumentong ito. Nakaugnay sa LRN ng isang bata ang kanyang historical school records kasama ang kanyang mga marka gayundin ang mga personal na impormasyon gaya ng petsa ng kapanganakan, adres, pangalan ng mga magulang, lahi, at iba pa, na pawang ginawa ng gobyerno bilang paghahanda sa National ID System. Isang hack ng database ng DepEd at tiyak na makikita ang mga impormasyong ito na magagamit sa Identity Theft o pagnanakaw ng pagkakakilanlan. Nagagamit, halimbawa, ang apelyido ng nanay noong dalaga at petsa ng kapanganakan upang matukoy ang password ng isang tao sa kanyang mga accounts; 3. Ang lagda o pirma ng mga school administrators at principals gayundin ang mga logos at headers ng mga paaralan ay naroroon din. Ang mga ito ay maaaring makopya at maedit para makahingi ng donasyon at makapangikil; 4. Ang buong Diploma o Certificate ay maaaring makopya para magamit sa pansariling kapakanan. Napakadali na ngayong mag edit at makapandaya. Kahit na po talagang maipagmamalaki ang mga dokumentong ito at masarap ipost sa ating social media accounts, isipin pa rin natin una sa lahat, ang kaligtasan at ang kapakanan ng ating mga anak at sarili. Parents and students are warned and urged by the Department of Education (DepEd)to refrain from posting the entire photo of school IDs, Report Card or Certificate of our children on Facebook or in any social networking site platforms. Though it is definitely something to be proud of, it also contains vital and sensitive informations that could be use by other people to victimized and scam other people including the person who owns the information and their families, friends and relatives. Ads Sponsored Links 1. The child's full name, the name and location of the school could be used to track where the kid is. It is now very easy for them to locate your kids just by looking into their social media accounts and google maps. 2. The Learner Reference Number (LRN)which is unique to every student can be found here also. the LRN is associated with the students school historical records including their grades and other personal information like date of birth, address, name of parents, race, ethnicity, and others which was made by the government in preparation to the National ID system. it could be a tool for identity theft. Mother's maiden name and birth date could be also use to determine passwords in their accounts. 3. It also contains the signature of the school administrators, principals as well as the logos and headers of the schools. It could be edited and maliciously use to extort money or to ask for donations. 4. The whole photo of the certificate or Diploma could be copied and used maliciously as well. So, before posting anything on social media, parents need to control themselves for security reasons.



Parents and students are warned and urged by the Department of Education (DepEd)to refrain from posting the entire photo of school IDs, Report Card or Certificate of our children on Facebook or in any social networking site platforms. Though it is definitely something to be proud of, it also contains vital and sensitive informations that could be use by other people to victimized and scam other people including the person who owns the information and their families, friends and relatives. 


Ads




Sponsored Links
1. The child's full name, the name and location of the school could be used to track where the kid is. It is now very easy for them to locate your kids just by looking into their social media accounts and google maps.



2. The Learner Reference Number (LRN)which is unique to every student can be found here also. the LRN is associated with the students school historical records including their grades and other personal information like date of birth, address, name of parents, race, ethnicity, and others which was made by the government in preparation to the National ID system. it could be a tool for identity theft. Mother's maiden name and birth date could be also use to determine passwords in their accounts.


3. It also contains the signature of the school administrators, principals as well as the logos and headers of the schools. It could be edited and maliciously use to extort money or to ask for donations.

4. The whole photo of the certificate or Diploma could be copied and used maliciously as well. 

So, before posting anything on social media, parents need to control themselves for security reasons.


©2019 THOUGHTSKOTO
Tags , , , , , , ,

Friday, December 01, 2017

Watch: Hong Kong Smart Identity Card Has A New Design


After 3 long years of waiting the much-anticipated new Hong Kong smart identity card design is finally revealed with additional security features to foil any counterfeiting attempts. According to the latest Legislative Council papers submitted by the Security Bureau, the new smart ID card is pink, light blue and light green in colour, with a photo of the holder on the left and a small stereo laser image of the portrait on the right. It has a new transparent window bearing the card number in the top right-hand corner. An image of the Hong Kong skyline will appear at the back of the card under UV light. Sponsored Links The new card design bears a hologram with wave and 3D effects and a multiple-pattern background. Other security features intended to make the card hard to fake include rainbow printing, micro-printed text and ink with optically variable properties. The next-generation smart ID card system is estimated to have cost HK$54.6 million (US$7 million) this financial year, of which 40% went towards system development and another 40% on building card replacement centers. Hongkongers generally welcome the changes, both for aesthetic and security purposes. Among the feedbacks received were about the card being "brighter and clearer" compared to the previous designs. Some locals also believe that the card has a better protection now against counterfeiters. Source: SCMP Advertisement Read More: ©2017 THOUGHTSKOTO
Advertisements



After 3 long years of waiting the much-anticipated new Hong Kong smart identity card design is finally revealed with additional security features to prevent any counterfeiting attempts.After 3 long years of waiting the much-anticipated new Hong Kong smart identity card design is finally revealed with additional security features to foil any counterfeiting attempts. According to the latest Legislative Council papers submitted by the Security Bureau, the new smart ID card is pink, light blue and light green in colour, with a photo of the holder on the left and a small stereo laser image of the portrait on the right. It has a new transparent window bearing the card number in the top right-hand corner. An image of the Hong Kong skyline will appear at the back of the card under UV light. Sponsored Links The new card design bears a hologram with wave and 3D effects and a multiple-pattern background. Other security features intended to make the card hard to fake include rainbow printing, micro-printed text and ink with optically variable properties. The next-generation smart ID card system is estimated to have cost HK$54.6 million (US$7 million) this financial year, of which 40% went towards system development and another 40% on building card replacement centers. Hongkongers generally welcome the changes, both for aesthetic and security purposes. Among the feedbacks received were about the card being "brighter and clearer" compared to the previous designs. Some locals also believe that the card has a better protection now against counterfeiters. Source: SCMP Advertisement Read More: ©2017 THOUGHTSKOTO
According to the latest Legislative Council papers submitted by the Security Bureau, the new smart ID card is pink, light blue and light green in colour, with a photo of the holder on the left and a small stereo laser image of the portrait on the right.

It has a new transparent window bearing the card number in the top right-hand corner. An image of the Hong Kong skyline will appear at the back of the card under UV light.
Sponsored Links
After 3 long years of waiting the much-anticipated new Hong Kong smart identity card design is finally revealed with additional security features to foil any counterfeiting attempts. According to the latest Legislative Council papers submitted by the Security Bureau, the new smart ID card is pink, light blue and light green in colour, with a photo of the holder on the left and a small stereo laser image of the portrait on the right. It has a new transparent window bearing the card number in the top right-hand corner. An image of the Hong Kong skyline will appear at the back of the card under UV light. Sponsored Links The new card design bears a hologram with wave and 3D effects and a multiple-pattern background. Other security features intended to make the card hard to fake include rainbow printing, micro-printed text and ink with optically variable properties. The next-generation smart ID card system is estimated to have cost HK$54.6 million (US$7 million) this financial year, of which 40% went towards system development and another 40% on building card replacement centers. Hongkongers generally welcome the changes, both for aesthetic and security purposes. Among the feedbacks received were about the card being "brighter and clearer" compared to the previous designs. Some locals also believe that the card has a better protection now against counterfeiters. Source: SCMP Advertisement Read More: ©2017 THOUGHTSKOTO
The new  card design bears a hologram with wave and 3D effects and a multiple-pattern background. Other security features intended to make the card hard to fake include rainbow printing, micro-printed text and ink with optically variable properties.
After 3 long years of waiting the much-anticipated new Hong Kong smart identity card design is finally revealed with additional security features to foil any counterfeiting attempts. According to the latest Legislative Council papers submitted by the Security Bureau, the new smart ID card is pink, light blue and light green in colour, with a photo of the holder on the left and a small stereo laser image of the portrait on the right. It has a new transparent window bearing the card number in the top right-hand corner. An image of the Hong Kong skyline will appear at the back of the card under UV light. Sponsored Links The new card design bears a hologram with wave and 3D effects and a multiple-pattern background. Other security features intended to make the card hard to fake include rainbow printing, micro-printed text and ink with optically variable properties. The next-generation smart ID card system is estimated to have cost HK$54.6 million (US$7 million) this financial year, of which 40% went towards system development and another 40% on building card replacement centers. Hongkongers generally welcome the changes, both for aesthetic and security purposes. Among the feedbacks received were about the card being "brighter and clearer" compared to the previous designs. Some locals also believe that the card has a better protection now against counterfeiters. Source: SCMP Advertisement Read More: ©2017 THOUGHTSKOTO

The next-generation smart ID card system is estimated to have cost HK$54.6 million (US$7 million) this financial year, of which 40% went towards system development and another 40% on building card replacement centers.

Hongkongers  generally welcome the changes, both for aesthetic and security purposes. Among the feedbacks received were about the card being "brighter and clearer" compared to the previous designs.
Some locals also believe that the card has a better protection now against counterfeiters.
Source: SCMP
After 3 long years of waiting the much-anticipated new Hong Kong smart identity card design is finally revealed with additional security features to foil any counterfeiting attempts. According to the latest Legislative Council papers submitted by the Security Bureau, the new smart ID card is pink, light blue and light green in colour, with a photo of the holder on the left and a small stereo laser image of the portrait on the right. It has a new transparent window bearing the card number in the top right-hand corner. An image of the Hong Kong skyline will appear at the back of the card under UV light. Sponsored Links The new card design bears a hologram with wave and 3D effects and a multiple-pattern background. Other security features intended to make the card hard to fake include rainbow printing, micro-printed text and ink with optically variable properties. The next-generation smart ID card system is estimated to have cost HK$54.6 million (US$7 million) this financial year, of which 40% went towards system development and another 40% on building card replacement centers. Hongkongers generally welcome the changes, both for aesthetic and security purposes. Among the feedbacks received were about the card being "brighter and clearer" compared to the previous designs. Some locals also believe that the card has a better protection now against counterfeiters. Source: SCMP Advertisement Read More: ©2017 THOUGHTSKOTO
Advertisement
Read More:







©2017 THOUGHTSKOTO


SEARCH JBSOLIS, TYPE KEYWORDS and TITLE OF ARTICLE at the box below
Tags , , , , , , ,

Saturday, June 17, 2017

Face Detector In Dubai Airports Soon


Visitors and residents coming to Dubai will soon walk straight from their plane without even the need to stop at passport control or the immigration via the new face-recognition software. The Dubai government and the British company ObjectTech is said to work together in installing biometric tunnels that will scan people's faces as they make their way to the baggage plane after disembarking from the plane. The walkway they called "biometric border" will take a 3D scan of people's faces while they enter the airport and then checks it against the digital passport using the face recognition software. ObjectTech also developed the digital passport for the system. It contains fingerprints, iris scans and face-recognition data from the electronic chip in physical passports. Dubai’s goal is to create the world’s first “gate-less border” where visitors can enter the city’s airport and be registered into the UAE using a pre-approved and entirely digitised passport without hassle and the face scanners are part of it. ObjectTech said that this year, the Government of Dubai and their company has agreed for the project to develop digital passports for easy entry at Dubai airports. READ MORE: Almost every one of us dreams to have a house to call our own home. We all know it is not easy decision to buy or to invest in a house since it is not cheap. Because of this, the debate between buying and renting a home is not dead. If we aren't our dwelling place, we have a lot more freedom to move around since we are not tied up into a long term contract. Managing and renovating the space is not our priority since it is not ours and we are just living there. Many people said that buying a home of your own is actually a much wiser way to spend money because it is an investment while renting a home is like throwing money into you get nothing back from the money you pay every month. How to register online: 1. Go to www.philhealth.gov.ph 2. Fill-out the needed information correctly. 3. You will then receive a confirmation e-mail and your log-in password. Click the link provided in the e-mail and log-in using your details. 4. After clicking the link, you will get a notification that your account is activated and you can now log-in to your Philhealth account. 5. On log-in, you may need to enter an answer to a security question. It could be any one of the three answers you provided earlier. 6. Congratulations! You successfully created and activated your Philhealth account. You can now access your Philhealth members profile. You can check the contributions you made as well. Should you find any error or discrepancies in your MDR, you may email Philhealth at actioncenter@philhealth.gov.ph Once you are already registered, you can now get your Philhealth ID. Visit the nearest Philhealth office in your area and ask for the Philhealth Member Registration Form or PMRF. Fill-out the form and submit it. In a few minutes, you can claim your printed Philhealth ID. For premium payments, you can pay online through these Electronic Payment Facilities: OneHUB (Unionbank Of The Philippines) Expresslink (Bank Of The Philippine Islands) Citiconnect (Citibank) Digibanker (Security Bank) Or via e-Gov (Bancnet) Asia United Bank China Banking Corporation CTBC Bank (Philippines) Corporation Development Bank of the Philippines East West Banking Corporation Metropolitan Trust & Bank Company Philippine National Bank Philippine Veterans Bank RCBC Savings Bank For OFWs, you can pay your premium contributions through these accredited collecting agents only: Overseas Collections Over-the-counter collection system Bank Of Commerce Development Bank Of The Philippines IRemit, Inc. Landbank Of The Philippines Ventaja International Corporation *Beware of unauthorized collecting agents issuing fake Philheath Official receipts. Visit the nearest Philhealth office in your area and ask for the Philhealth Member Registration Form or PMRF. Fill-out the form and submit it. In a few minutes, you can claim your printed Philhealth ID. Overseas Workers Welfare Organization (OWWA) Administrator hans leo Cacdac has disclosed that OWWA board of trustees has recently approved a resolution allotting financial aid for Overseas Filipino Workers (OFW), who were affected by the ongoing clash between the government forces and the Maute terror group in Marawi City. The approved financial aid amounting to P100 million will be distributed by the agency to the affected OFW families. According to Admin Hans Cacdac, the calamity component involves cash assistance of P3,000 for active members and P1,000 members who are not active. OWWA Region 10 office is already in the process of determining the number of qualified beneficiaries for the cash assistance. “Our Region 10 director is on the ground in Iligan and Cagayan de Oro, determining the amount to be given to the beneficiaries. Distribution will happen in the coming week,” Cacdac said. The Department of Labor and Employment (DOLE), for its part, earlier said that it will provide livelihood aid to the displaced workers due to the crisis. Marawi residents, including OFW families had voluntarily evacuated their homes in area since last week due to the rising tension. Most of them went to the nearby areas like Iligan and Cagayan de Oro City. Their villages had been under Maute terror and they need to be somewhere safe. President Rodrigo Duterte already declared martial law in the entire Mindanao ordering the Armed Forces of the Philippines (AFP) and the Philippine National Police (PNP) to intensify counter offensives against the ISIS-inspired group. Meanwhile, Department of Social Welfare and Development opened various evacuation centers in Mindanao following the exodus of the residents in Marawi City. According to DSWD Sec. Judy Taguiwalo, they have food packs and non-food items on standby for distribution for affected residents from Marawi City. DSWD assures to keep the safety of every residents in the area especially the women, children and the elderly. Evacuation Center Location Buruun School of Fisheries Iligan City Maria Cristina Gymnasium Iligan City Tomas Cabili Gymnasium Iligan City Iligan School of Fisheries Gymnasium Iligan City MSU-IIT CASS Building Iligan City Lanao del Sur Provincial Capitol Marawi City Gomampong Ali's Residents Baloi, Lanao del Sur Saguiaran Municipal Hall Saguiaran, Lanao del Sur People's Plaza Saguiaran, Lanao del Sur Old Madrasa Saguiaran, Lanao del Sur Old Masjid Saguiaran, Lanao del Sur BFP Office Saguiaran, Lanao del Sur DepEd Kinder Room Saguiaran, Lanao del Sur Source: Manila Bulletin Overseas Workers Welfare Organization (OWWA) Administrator hans leo Cacdac has disclosed that OWWA board of trustees has recently approved a resolution allotting financial aid for Overseas Filipino Workers (OFW), who were affected by the ongoing clash between the government forces and the Maute terror group in Marawi City. The approved financial aid amounting to P100 million will be distributed by the agency to the affected OFW families.The biggest challenge to returning OFWs who lost their jobs from hostilities or distressful situations abroad is how to sustain the needs of their family now that they have lost their jobs. OWWA is now ready to help them start over with programs suited to help displaced OFWs. Ms.Rosalina B. Casuga is a worker from Malaysia for six months. She is a returnee from San Carlos Heights, Baguio City. She applied under the Balik Pinas Balik Hanap Buhay Program at OWWA CAR and received her starter kits livelihood assistance on June 2, 2017. The program is a package of livelihood support to returning OFW's who are either displaced by hostilities, distressed workers or other distressful situations. The aim is to help the returning OFWs by providing livelihood that will generate everyday income for the family. The OWWA “Balik Pinas! Balik Hanapbuhay!” Program is a non-cash livelihood support/assistance intended to provide immediate relief to returning member-OFWs who were displaced from their jobs due to wars/political conflicts in host countries, or policy reforms, controls and changes by the host government; or were victims of illegal recruitment and/or human trafficking or other distressful situations. It is a package of livelihood assistance amounting to Ten Thousand Pesos (Php 10,000.00) maximum consisting of techno-skills and/or entrepreneurship trainings, starter kits/goods and/or such other services that will enable beneficiaries to quickly start a livelihood undertaking through self/wage employment. The program aims to enable the beneficiaries to be multi-skilled through access to training services by training institutions like TESDA, DTI, and NGOs. It also equips the beneficiaries with skills that are highly in demand in the local labor market and enables them to plan, set-up, start and operate a livelihood undertaking by providing them with ready-to-go rollout self-employment package of services, consisting of short-duration trainings, start-up kits/goods business counseling and technical and marketing assistance. To avail of the livelihood assistance and livelihood starter kit from OWWA you can contact the following: OWWA Main Ground Floor, Rm 101, OWWA Center 7th St. corner F. B. Harrison St., Pasay City Telephone Numbers: +632 891 7601 to 24 Hotline: +632 551-1560; +632 551-6641 E-mail Address: rmd@owwa.gov.ph NATIONAL REINTEGRATION CENTER FOR OFWs Ground Floor, Blas F. Ople Development Center (Old OWWA Building) Corner Solana and Victoria Streets Intramuros, Manila Telephone Numbers: 527-6184/526-2633/526-2392 E-mail Address: nrcoreintegration@gmail.com BUREAU OF WORKERS WITH SPECIAL CONCERNS 9th Floor, Antonino Bldg. J. Bocobo St. cor. T. M. Kalaw Ave. Ermita, Manila Tel. No.: 404-3336 Fax No.: 527-5858 Email: mail@bwsc.dole.gov.ph Or visit any OWWA Regional Offices near you. Claiming SSS Disability benefits seems easy. Just fill-out and submit the needed documents and Voila!, You got your benefit.But how is the actual experience in claiming it really like?An OFW on vacation tried to apply for the disability benefit of her brother shared the actual experience she had. As she described it, it was like "passing through a needle eye." ©2017 THOUGHTSKOTO

Visitors and residents coming to Dubai will soon walk straight from their plane without even the need to stop at passport control or the immigration via the new face-recognition software.  
The Dubai government and the British company ObjectTech is said to work together in installing biometric tunnels that will scan people's faces as they make their way to the baggage claim counter after disembarking from the plane.
The walkway they called "biometric border" will take a 3D scan of people's faces while they enter the airport and then checks it against  the digital passport using the face recognition software.
ObjectTech also developed the digital passport for the system. It contains fingerprints, iris scans and face-recognition data from the electronic chip in physical passports.

Dubai’s goal is to create the world’s first “gate-less border” where visitors can enter the city’s airport and be registered into the UAE using a pre-approved and entirely digitised passport without hassle and the face scanners are part of it.

ObjectTech said that this year, the Government of Dubai and their company has agreed for the project to develop digital passports for easy entry at Dubai airports.
Source: GulfNews
Visitors and residents coming to Dubai will soon walk straight from their plane without even the need to stop at passport control or the immigration via the new face-recognition software. The Dubai government and the British company ObjectTech is said to work together in installing biometric tunnels that will scan people's faces as they make their way to the baggage plane after disembarking from the plane. The walkway they called "biometric border" will take a 3D scan of people's faces while they enter the airport and then checks it against the digital passport using the face recognition software. ObjectTech also developed the digital passport for the system. It contains fingerprints, iris scans and face-recognition data from the electronic chip in physical passports. Dubai’s goal is to create the world’s first “gate-less border” where visitors can enter the city’s airport and be registered into the UAE using a pre-approved and entirely digitised passport without hassle and the face scanners are part of it. ObjectTech said that this year, the Government of Dubai and their company has agreed for the project to develop digital passports for easy entry at Dubai airports. READ MORE: Almost every one of us dreams to have a house to call our own home. We all know it is not easy decision to buy or to invest in a house since it is not cheap. Because of this, the debate between buying and renting a home is not dead. If we aren't our dwelling place, we have a lot more freedom to move around since we are not tied up into a long term contract. Managing and renovating the space is not our priority since it is not ours and we are just living there. Many people said that buying a home of your own is actually a much wiser way to spend money because it is an investment while renting a home is like throwing money into you get nothing back from the money you pay every month. How to register online: 1. Go to www.philhealth.gov.ph 2. Fill-out the needed information correctly. 3. You will then receive a confirmation e-mail and your log-in password. Click the link provided in the e-mail and log-in using your details. 4. After clicking the link, you will get a notification that your account is activated and you can now log-in to your Philhealth account. 5. On log-in, you may need to enter an answer to a security question. It could be any one of the three answers you provided earlier. 6. Congratulations! You successfully created and activated your Philhealth account. You can now access your Philhealth members profile. You can check the contributions you made as well. Should you find any error or discrepancies in your MDR, you may email Philhealth at actioncenter@philhealth.gov.ph Once you are already registered, you can now get your Philhealth ID. Visit the nearest Philhealth office in your area and ask for the Philhealth Member Registration Form or PMRF. Fill-out the form and submit it. In a few minutes, you can claim your printed Philhealth ID. For premium payments, you can pay online through these Electronic Payment Facilities: OneHUB (Unionbank Of The Philippines) Expresslink (Bank Of The Philippine Islands) Citiconnect (Citibank) Digibanker (Security Bank) Or via e-Gov (Bancnet) Asia United Bank China Banking Corporation CTBC Bank (Philippines) Corporation Development Bank of the Philippines East West Banking Corporation Metropolitan Trust & Bank Company Philippine National Bank Philippine Veterans Bank RCBC Savings Bank For OFWs, you can pay your premium contributions through these accredited collecting agents only: Overseas Collections Over-the-counter collection system Bank Of Commerce Development Bank Of The Philippines IRemit, Inc. Landbank Of The Philippines Ventaja International Corporation *Beware of unauthorized collecting agents issuing fake Philheath Official receipts. Visit the nearest Philhealth office in your area and ask for the Philhealth Member Registration Form or PMRF. Fill-out the form and submit it. In a few minutes, you can claim your printed Philhealth ID. Overseas Workers Welfare Organization (OWWA) Administrator hans leo Cacdac has disclosed that OWWA board of trustees has recently approved a resolution allotting financial aid for Overseas Filipino Workers (OFW), who were affected by the ongoing clash between the government forces and the Maute terror group in Marawi City. The approved financial aid amounting to P100 million will be distributed by the agency to the affected OFW families. According to Admin Hans Cacdac, the calamity component involves cash assistance of P3,000 for active members and P1,000 members who are not active. OWWA Region 10 office is already in the process of determining the number of qualified beneficiaries for the cash assistance. “Our Region 10 director is on the ground in Iligan and Cagayan de Oro, determining the amount to be given to the beneficiaries. Distribution will happen in the coming week,” Cacdac said. The Department of Labor and Employment (DOLE), for its part, earlier said that it will provide livelihood aid to the displaced workers due to the crisis. Marawi residents, including OFW families had voluntarily evacuated their homes in area since last week due to the rising tension. Most of them went to the nearby areas like Iligan and Cagayan de Oro City. Their villages had been under Maute terror and they need to be somewhere safe. President Rodrigo Duterte already declared martial law in the entire Mindanao ordering the Armed Forces of the Philippines (AFP) and the Philippine National Police (PNP) to intensify counter offensives against the ISIS-inspired group. Meanwhile, Department of Social Welfare and Development opened various evacuation centers in Mindanao following the exodus of the residents in Marawi City. According to DSWD Sec. Judy Taguiwalo, they have food packs and non-food items on standby for distribution for affected residents from Marawi City. DSWD assures to keep the safety of every residents in the area especially the women, children and the elderly. Evacuation Center Location Buruun School of Fisheries Iligan City Maria Cristina Gymnasium Iligan City Tomas Cabili Gymnasium Iligan City Iligan School of Fisheries Gymnasium Iligan City MSU-IIT CASS Building Iligan City Lanao del Sur Provincial Capitol Marawi City Gomampong Ali's Residents Baloi, Lanao del Sur Saguiaran Municipal Hall Saguiaran, Lanao del Sur People's Plaza Saguiaran, Lanao del Sur Old Madrasa Saguiaran, Lanao del Sur Old Masjid Saguiaran, Lanao del Sur BFP Office Saguiaran, Lanao del Sur DepEd Kinder Room Saguiaran, Lanao del Sur Source: Manila Bulletin Overseas Workers Welfare Organization (OWWA) Administrator hans leo Cacdac has disclosed that OWWA board of trustees has recently approved a resolution allotting financial aid for Overseas Filipino Workers (OFW), who were affected by the ongoing clash between the government forces and the Maute terror group in Marawi City. The approved financial aid amounting to P100 million will be distributed by the agency to the affected OFW families.The biggest challenge to returning OFWs who lost their jobs from hostilities or distressful situations abroad is how to sustain the needs of their family now that they have lost their jobs. OWWA is now ready to help them start over with programs suited to help displaced OFWs. Ms.Rosalina B. Casuga is a worker from Malaysia for six months. She is a returnee from San Carlos Heights, Baguio City. She applied under the Balik Pinas Balik Hanap Buhay Program at OWWA CAR and received her starter kits livelihood assistance on June 2, 2017. The program is a package of livelihood support to returning OFW's who are either displaced by hostilities, distressed workers or other distressful situations. The aim is to help the returning OFWs by providing livelihood that will generate everyday income for the family. The OWWA “Balik Pinas! Balik Hanapbuhay!” Program is a non-cash livelihood support/assistance intended to provide immediate relief to returning member-OFWs who were displaced from their jobs due to wars/political conflicts in host countries, or policy reforms, controls and changes by the host government; or were victims of illegal recruitment and/or human trafficking or other distressful situations. It is a package of livelihood assistance amounting to Ten Thousand Pesos (Php 10,000.00) maximum consisting of techno-skills and/or entrepreneurship trainings, starter kits/goods and/or such other services that will enable beneficiaries to quickly start a livelihood undertaking through self/wage employment. The program aims to enable the beneficiaries to be multi-skilled through access to training services by training institutions like TESDA, DTI, and NGOs. It also equips the beneficiaries with skills that are highly in demand in the local labor market and enables them to plan, set-up, start and operate a livelihood undertaking by providing them with ready-to-go rollout self-employment package of services, consisting of short-duration trainings, start-up kits/goods business counseling and technical and marketing assistance. To avail of the livelihood assistance and livelihood starter kit from OWWA you can contact the following: OWWA Main Ground Floor, Rm 101, OWWA Center 7th St. corner F. B. Harrison St., Pasay City Telephone Numbers: +632 891 7601 to 24 Hotline: +632 551-1560; +632 551-6641 E-mail Address: rmd@owwa.gov.ph NATIONAL REINTEGRATION CENTER FOR OFWs Ground Floor, Blas F. Ople Development Center (Old OWWA Building) Corner Solana and Victoria Streets Intramuros, Manila Telephone Numbers: 527-6184/526-2633/526-2392 E-mail Address: nrcoreintegration@gmail.com BUREAU OF WORKERS WITH SPECIAL CONCERNS 9th Floor, Antonino Bldg. J. Bocobo St. cor. T. M. Kalaw Ave. Ermita, Manila Tel. No.: 404-3336 Fax No.: 527-5858 Email: mail@bwsc.dole.gov.ph Or visit any OWWA Regional Offices near you. Claiming SSS Disability benefits seems easy. Just fill-out and submit the needed documents and Voila!, You got your benefit.But how is the actual experience in claiming it really like?An OFW on vacation tried to apply for the disability benefit of her brother shared the actual experience she had. As she described it, it was like "passing through a needle eye." ©2017 THOUGHTSKOTO

SEARCH JBSOLIS, TYPE KEYWORDS and TITLE OF ARTICLE at the box below
Tags , , , , , , , , , , ,

Saturday, June 10, 2017

Important Steps To Stay Safe When Using Online or Mobile Banking

ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

ONLINE BANKING
Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe.
USE ON-SCREEN KEYBOARD:
This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices.

ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

DO NOT FOLLOW LINKS:
Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. 

The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. 
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

CLEAN YOUR CACHE: 
Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. 

Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

UPDATE AND BE SECURE: 
Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule.

Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. 
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.





 MOBILE PHONE BANKING:

CHECK THAT APP:
Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes.

Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

 CHECK YOUR OTHER APPS:
Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

NUCLEAR OPTION - WIPE!
Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

LOCK OR SWIPE?
Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.


GENERAL SAFETY:

 FREE WIFI!
Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.


S+R0nG P@ssWoRdS: 
Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. 

For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on.
5@mp1e = sample

Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here!

PRIVACY:
Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around).

A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

STAY ALERT:
Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users.

 Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.

INQUIRE and SUBSCRIBE:
Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.
ONLINE BANKING Before mobile banking, online banking - through the use of a computer - is the most modern way to do banking. One simply has to login to the bank's website and do transactions as needed (except to withdraw or deposit money, of course). Granted the convenience, internet banking has it's own share of risks. Because a computer is vulnerable to hacking, phishing, virus, trojans and other means of attacks, here are the things you must take note to keep safe. USE ON-SCREEN KEYBOARD: This would be the easiest way to protect your password from being recorded by key-loggers, especially when using computers in a public setting - internet cafe or offices. A key-logger, can be hardware or a software installed on the computer. It records the keyboard entries you make. Using this information, it would be easy to find your username and password. While software loggers are hard to spot, hardware loggers will have to be an attachment to the terminal. However, know that an on-screen keyboard is not fool-proof by itself. DO NOT FOLLOW LINKS: Always type in the web address (URL) to access your bank's website. Never click on a link from an e-mail you get, even if it looks like it came from the bank. That is how 'phishers' work, they re-direct you to a fake website site resembling your bank's website and use the information provided by you (username and password) to access your account. The login page of bank website is secured through an encryption process, so a locked padlock or unbroken key symbol should appear in your browser window when accessing your bank's site. Also, the beginning of your bank's internet address will change from 'http' to 'https' when a secure connection is made. Be wary of suspicious pop-ups that appear during your banking session. Log out immediately. Don't, in response to any mail, provide your banking user ID, passwords or credit and debit card numbers. CLEAN YOUR CACHE: Browsers save pages you have viewed on your computer so that it can be accessed quicker if you wish to view it again, such as when you use the 'back' button. By clearing your browsing data or cache after visiting your net banking account, you make sure no one else can view the confidential information you have viewed. Also, don't select the option on the browser that stores or retains user name and password, i.e. auto complete or auto save password. It wouldn't take too long for a program to get that information from your browser. Or worse, the guy who will use your computer next can login to your account because you saved the password in the internet browser. UPDATE AND BE SECURE: Keep your operating system and browser up-to-date with the latest security updates. Install these only from a trusted website or let the application update automatically by schedule. Avoid banking transactions on public computers and internet cafes if possible. Also, a computer running on a big network, is likely to be much safer than your home PC. Its level of security can be measured by how strict the limitations are on its use. However, you will have to trust your network manager to not access records of your online activity. MOBILE PHONE BANKING: CHECK THAT APP: Download your banking application on the mobile device instead of using the mobile browser to conduct mobile banking. If your bank's app is not available, use a secure browser, especially on Android phones. Also, get software updates to avoid exploitation of software loopholes. Some malware may pose as a legitimate bank application. Make sure you are using the official one, by comparing with friends, or inquiring at the bank itself. Most banks provide a guide or link to their official app on the bank's website itself. CHECK YOUR OTHER APPS: Be wary of the apps you keep on your device along with your banking apps. Check the app permissions in the application settings to be sure that other apps, especially free ones, are NOT getting unnecessary access to your smart phone. Here's how you do it in Android and iPhone. NUCLEAR OPTION - WIPE! Ensure that your mobile device has remote wipe installed or enabled. This is so that if your phone gets stolen or you lose your phone, you can delete all information you had stored within - including your banking application. Notify your bank about the situation so that no texts or mails will be sent to your mobile device. LOCK OR SWIPE? Always lock your phone when not using it to prevent unauthorized user access. Even a child fiddling your phone can cause problems with your banking app. Check your phone settings and enable the auto-lock feature. Put a pin or pattern, or enable the fingerprint lock/unlock feature to secure the device from others. This will also buy you some time in case your phone gets stolen. GENERAL SAFETY: FREE WIFI! Refrain from using public wireless networks to do your banking, whether via laptop or smartphone. They are unsecured and hackers often lay traps using such networks. Connect only through secured or private wireless network. Also, do not connect your phone to another device when banking. S+R0nG P@ssWoRdS: Use a combination of random letters and numbers because password-cracking programs check for dictionary words, names and phrases. One way to create a strong yet easy to recall password would be to remember a familiar sentence and use the first letter of each word to form the password. Try using a sentence that can have a number in between. For example, the sentence my car Toyota Fortuner is a model '16 will give you a password of mcTFiam'16 . You can use any sentence that is not generic. Try inserting symbols and capitalizing some letters (not necessarily the first) to improve password strength. There are other ways of creating strong passwords, like Character Substitution - replacing the alphabet with familiar characters: @ = a, 8 = b, 1 = l, 5 = s, and so on. 5@mp1e = sample Change your password using a secure computer (at home) is a good practice if you just recently used a public computer to access you online accounts. If you want to check the strength of your password, check it up here! PRIVACY: Do not disclose your personal information to anyone, including your account numbers, your parents' middle name (a common security question in phone transactions), your mobile number, or your ID numbers - unless the person is from the bank whom you called (not the other way around). A new form of hackers called "social hackers," gather sensitive information by calling people, pretending to be from the bank or any other institution with interest in your finances. Once they get enough information, they will use your identity to steal your money from the bank. STAY ALERT: Be aware of your surroundings. Never do online banking transactions in an internet cafe, or even at Starbucks. They may be secured by the shop, but who knows if there is someone using the same WiFi network and skimming the information from other users. Always check your banking transaction history and account statements on a regular basis. Check for unauthorized transactions or transactions that you do not remember doing. Inform the bank about irregular things that you notice, even if you are unsure. INQUIRE/SUBSCRIBE: Inquire and subscribe to Two-factor Authentication or One-time-password facility whenever possible, be it to change your net banking pin, make a transaction or add a third-party account. This would require you to enter a one-time code, usually sent via sms to your registered phone, whenever you login and transact online.





©2017 THOUGHTSKOTO



SEARCH JBSOLIS, TYPE KEYWORDS and TITLE OF ARTICLE at the box below

Tags , , , , , ,
Subscribe to: Posts (Atom)