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13 tips to keep safe from banking fraud

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As the festive season draws near, cybercriminals will pull out all the tricks to try and cheat consumers out of their cash. YOLANDE STEYN, Head of Innovation at FNB, offers some tips to stay safe online.

“Cybercrime is becoming increasingly sophisticated with fraudsters constantly finding new ways of carrying out their unlawful conduct, especially during busy periods like the festive season. Consumers should therefore be extra vigilant with their banking information and login details at all times,” says Yolande Steyn, Head of Innovation at FNB.

While the rapid growth of technology presents us with boundless opportunities, it also requires vigilance to prevent consumers and business being vulnerable to cybercrime. “As a responsible financial services provider, we have, therefore, taken upon ourselves the obligation to constantly educate and inform consumers about the many ways that fraudsters use the internet to try and rip them off,” adds Steyn.

She shares the following tips on how consumers can protect themselves against digital banking fraud this festive season:

·            Always keep your PIN and password secure. If you think your PIN or password has been compromised, change it immediately either on the FNB App, Online banking or at your nearest ATM or branch.

·            Remember to change your passwords and PIN’s regularly.

·            Never use the same username and password for banking as you use on other apps and websites like social media and email.

·            Download the FNB App to keep track of your accounts and transactions and have additional security with you 24/7. From a security point of view you can approve legitimate transactions and stop fraudulent Online Banking transactions, report fraud for any suspicious transactions, and temporarily block or cancel your cards.

·            Log on to your bank’s website by typing in the web address yourself instead of accessing it via Google search as this may lead you to a spoofed site.

·            Always do internet banking on a secure computer that you regularly use at home or work. Never do Online Banking in public areas such as Internet Cafe’s or shared computers, as you can never know what software is loaded that may compromise your transactions.

·            Download free Trend Antivirus and Antimalware for your computer and/or smartphone. Login to FNB Online Banking and click the link at the bottom of the screen to download and activate your free antivirus and antimalware.

·            Update your smartphone and computer with the latest software and app updates.

·            Monitor your cellphone reception. If you have lost signal for an unusually long time, you may be a victim of sim swop fraud. Immediately contact FNB’s 24/7 Fraud Line on 087 575 9444 to report a suspected Sim Swop.

·            Never open suspicious or unfamiliar e-mails or attachments, and never click on links in emails or SMS’s. Criminals make emails and SMS look legitimate and often bait you with scare tactics to confirm your account details or to login to prevent your account from being closed. They even incentive you to win something or get something for free in order to get access to your account.

·            Criminals may sometimes call you and pretend to be from your bank, service provider or a reputable retailer. During this conversation they may ask you to verify personal and banking information. It will be safer for you to hang up and call the company directly to verify if the call is legitimate.

·            Only make online purchases with your card on reputable websites that are verified as secure sites (look for the lock icon in your browser and ensure that the address starts with https://).

·            Never save usernames, passwords or PINs on your cellphone or computer as it may allow others to access your banking without your permission.

Although the above tips are by no means conclusive, they will go a long to ensure that consumers keep their money safe over the festive period. “We urge our customers to familiarise themselves with the content of our security pages which can be located in the security centre on the FNB website,” says Steyn.

“Taking the necessary measures to protect yourself against online banking fraud can give you peace of mind knowing that you can have a stress free festive season with your loved ones,” she says.

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Win a Poster Heater with Gadget and Takealot.com

This winter Gadget and Takealot.com are giving away three Poster Heaters, which look like posters but become heaters when you plug them in.

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Three Gadget readers will each win a unit, valued at R550 each. To enter, follow @GadgetZA and @Takealot on Twitter and tell us on the @GadgetZA account how many Watts the heater consumes.

What’s the big deal about these heaters? Many of us are struggling to keep the balance between soaring electricity costs and the need to keep warm this winter.

However, the recently launched Poster Heater by EasyHeat and distributed in South Africa by Takealot.com is not only one of the most cost effective electric heaters currently on the market, it is also easy to setup and use.

As the name indicates, it is a poster similar to one you would hang on a wall. But, plug it in and it turns into a 300 Watt heater. The Poster Heater isn’t designed to heat hallways or large rooms, but rather smaller ones like a bedroom or a baby’s nursery or a dressing room.

It uses radiant heating, which means that it heats up in a couple of minutes and the heat is directed at the objects or people around it, quickly taking the chill out of the air and providing a comfortable ambient temperature.

The other advantage of radiant heating is that it doesn’t dry out the air like infrared or gas heaters. Users also don’t have to worry about their children or pets getting too close to it because, even though it gets hot, it can be touched.

To enter the competition follow the steps below:

Competition entry details:

1. Follow @GadgetZA and @Takealot on Twitter. (We will ONLY be accepting entries via Twitter, so please don’t enter through the comments section of this article.)

2. Tell us on Twitter, via @GadgetZA, mentioning @Takealot in your posting, how many Watts the Poster Heater consumes.

cleardot.gif3. The competition closes on 31 July 2018.

4. Winners will be notified via Twitter on 1 August and Takealot.com will be in touch to organise delivery.

5. The competition is only open to South African residents.

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Happy Emoji Day! Here’s 10 reasons to be cheerful

First created by Shigetaka Kurita in 1999, the emoji has become a huge part of everyday communication. Whether you love them or hate them, flying dollar bills, applauding hands and rolling eyes are here to stay.

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Scientist suggest that the use of emojis will help us gain the same satisfaction from digital interactions as we enjoy from personal contact.

Almost two decades later, and we have over 2600 unique emojis to perfectly express what we feel, thank you Mr Kurita! Join HMD, the home of Nokia phones as we celebrate World Emoji Day on the 17th of July with these interesting emoji facts:

The most popular emoji used is “Person Shrugging”

1.       The Nokia 3310 was chosen as one of the first 3 “National” emojis for Finland… it represents unbreakable!

2.       South Africa’s favourite emoji is the “Kiss and wink”… how sweet SA!

3.       French is the only language where a ‘smiley’ does not top the list for its use

4.       On average, over 60 billion emojis are sent on Facebook every day

5.       For the first time ever, the Oxford Dictionaries Word of the Year was a pictograph! The “Face with Tears of Joy” was crowned word of the year in 2015

6.       According to Emojipedia, some of the most requested emoji’s include afro, a bagel and hands making a heart

7.       To include all races, a diversity pack was released in 2017

8.       It has become so trendy that the Museum of Modern Art displays the original emoji collection on canvas

9.       In 2009, Herman Melville’s classic Moby Dick was completely translated into emoji’s

 

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