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How to stay safe from digital fraud

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As the festive season draws near, consumers must familiarise themselves with tips on how they can protect themselves against digital banking fraud, says KOVELIN NAIDOO, Chief Cyber Security Officer at FNB.

Here are some tips to stay safe this year.

  • Never save usernames, passwords or PINs on your cellphone or computer as it may allow others to access your banking without your permission.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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 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.
  • 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.
  • 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 or download software for them to “assist” you. It will be safer for you to hang up and call the company directly to verify if the call is legitimate.
  • FNB customers travelling are advised to download the FNB Banking App and use Smart InContact to approve transactions.

Smart InContact, which allows customers to receive secure Online Banking transaction approvals on the FNB Banking App does not rely on SMS or email technology which could be intercepted by fraudsters. Smart inContact also notifies customers of all transactions, as low as one cent, with full control to report fraud with 1-touch of the Report Fraud button to the 24/7 FNB Fraud line. The app also works with Online Banking to verify devices that the customer uses to transact on his/her profile. Only verified devices with the app installed receive Smart inContact transaction approvals.

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.

Cars

Cape Town not so calm – if you’re a driver

Cape Town drivers lose on average 162 hours a year to traffic jams, so will need some tech and a few tips to stay calm

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Cape Town drivers lose, on average, 162 hours a year stuck in traffic jams, and the city is ranked 95th out of around 200 cities, across 38 countries surveyed globally, in terms of congestion issues.

That’s according to the latest INRIX 2018 Global Traffic Scorecard, which is an annual analysis of mobility and congestion trends. The study provides a data-rich evaluation of information collected during peak (slowest) travel times, and inter peak (fastest point between morning and afternoon commutes) travel times. Together they provide a holistic account of congestion throughout the day, delivering in-depth insights for vehicle drivers and policy-makers to make better decisions regarding urban travel and traffic health.

Of the further five South African cities surveyed:

  • Pretoria drivers lose, on average, 143 hours a year stuck in traffic jams, ranking as the 64thmost congested city
  • Johannesburg drivers lose an average of 119 hours annually, ranking 61st
  • Durban drivers lose 72 hours, ranking 141st
  • Port Elizabeth drivers lose 71 hours, ranking 75th
  • And Bloemfontein drivers lose 62 hours, ranking 165th

If these hours sound horrific, spare a thought for the poor drivers in Colombia’s capital city of Bogotá who lose, on average, a whopping 272 hours a year stuck in traffic jams!

On average, drivers’ commutes increase by roughly 30% during peak versus inter-peak hours. And the reality is that congestion issues aren’t going away anytime soon. Not here in SA, or anywhere else in the world. So what can we, as drivers, do to make the situation easier to cope with on our daily commute?

Change of mindset

Stressing about the unavoidable, the inevitable, and all the things that are out of our control – like congestion caused by accidents, faulty street lights, or bad weather – is a waste of energy. We should try finding ways of using that time in our cars more productively, to create a less tense, more positive experience. Learning to change our perspective about this challenging time, and associating it with something enjoyable, can drastically alter our reaction to and engagement with it. Rather than expending all our energy on futile anger and frustration, we can channel our focus on things that relax or energise us instead.

Just one more chapter

Being stuck in traffic usually aggravates us because it feels like a huge waste of valuable time. But like a wise man once said, time you enjoy wasting is not wasted time. Listening to a podcast or audiobook can not only be entertaining, but also educational, which is a brilliant use of your time. Ifyou think of your car as a ‘learning lab’, a mobile university of sorts, and your time spent inside as away to exercise your brain and grow intellectually, you may even find yourself wishing for bad traffic so you have an excuse to carry on listening to your podcast or audiobook.

Tame your inner Hulk

Pulling up a playlist of your favourite, feel-good songs can do wonders to combat stress levels. Downbeat music has been proven to have a mellowing effect on drivers. Making a quick switch to downbeat music shows measurable physiological improvements, with drivers calming down much sooner, and making fewer driving mistakes. So the next time you feel your inner Hulk emerging, crank up the volume on your favourite tunes.

The power of ‘caromatherapy’

There are numerous studies on aromas and their impact on human emotion, behaviour, and performance. Researchers have found that peppermint can enhance mental and athletic performance and cognitive functioning, while cinnamon may improve tasks related to attentional processes and visual-motor response speed. A study from Kyoto University in Japan revealed that participants reported significantly lower hostility and depression scores, and felt more relaxed after awalk through a pine forest. It makes sense then, to incorporate some ‘caromatherapy’ into our lives. There are plenty of off-the-shelf car diffusers available, or you could add a few drops of essential oil to DIY felt air fresheners. Citrus scents like orange or lemon can provide a boost of energy, while rosemary can relieve stress and anxiety. Take care not to hang anything that might obstruct your field of vision though, and always make sure to test out essential oils at home first, in case a scent makes you dizzy or overly relaxed, which could affect driving focus.

Contemplate your navel

The mind is a powerful thing, and simply willing yourself to relax might be the most effective method of all. While we don’t recommend meditating while driving due to safety reasons, breathing exercises can help you stay focused and feeling calm. One useful practice is the one-to-one technique – breathing in and out for the same count with the same intensity. Deep, measured breaths facilitate full oxygen exchange, helping to slow down the rate of your heartbeat and stabilise blood pressure, as opposed to shallow breathing, which doesn’t send enough air to the lowest part of your lungs, causing you to feel anxious and short of breath. Just always keep your eyes on the road, and take care to ensure you’re not so busy counting breaths that your concentration is compromised.

Not all those who wander are lost

Some of our best ideas come in those moments where we’re alone with our own thoughts, able to really reflect on the ideas we have without having something immediate that needs our attention. Allow your mind to wander, and do a little brainstorming. Alternatively, use the time to simply day dream. Remember, downtime is not dead time. It is both necessary, and important for your mental health. Use this time as an opportunity to take care of yourself.

In-built vehicle tech

“As we spend more and more time commuting, cars are being designed to accommodate longer periods behind the wheel,” says Kuda Takura, smart mobility specialist at Ford Motor Company of Southern Africa. “Ford uses human-centric design to deliver vehicles that are inviting, accommodating, and intuitive. For example, our SYNCT infotainment system offers nifty, hands-free functions, like allowing drivers to listen to their texts, change music or climate settings, and make phone calls easily with voice control. Our range of driver-assist technologies, like Adaptive Cruise Control, Pre-Collision Assist with Pedestrian Detection and Semi-Auto Active Park Assist, are also designed to take some of the stress off city driving. If our lifestyle means that we might be spending more time in our cars than we do on holiday, then we should make sure we make the most of that time.”

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Vodacom exits Africa biz services

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Vodacom Group has sold Vodacom Business Africa’s operations in Nigeria, Zambia and Cote d’Ivoire to Andile Ngcaba’s Synergy Communications. The two entities are in the process of concluding the acquisitions, which are subject to the approval of the regulatory authorities within these markets.

Vodacom says the transaction supports the Group’s enterprise strategy in Africa, which has been refocused to grow and strengthen its core business. It will no longer directly service global enterprise customers in these three markets but will rather continue to operate as a pan African telecommunications networks provider through local relationships, like the one with Synergy Communications. 

This acquisition represents a significant milestone in Synergy Communication’s quest to be a leading provider of cloud and digitally based services in key markets across sub-Saharan Africa and provides key additional assets in its build out of a regional footprint. Synergy Communications currently has operations in Botswana, Malawi and Mozambique.

Andile Ngcaba, Chairman of Synergy Communications said: “This is an exciting landmark transaction for Synergy Communications, providing us with additional momentum in the delivery of our strategy as a pan-African enterprise digital Services Provider. Synergy Communications will partner with major global cloud providers and deliver platform-based services to both multi-nationals and local enterprises.”

Shameel Joosub, CEO of Vodacom Group, said: “Vodacom has a clear vision for strengthening our position as a leading pan-African business and will work with local service providers like Synergy Communications to grow in these markets. Crucially, Vodacom is not exiting any of the territories related to this transaction and remains focused on continuing to deliver exceptional service to our global and multinational clients in these markets through long-term commercial agreements. 

“To support the sustainable growth of pan African digital economies and building connected societies, Vodacom will, via local service providers, continue to service clients in each market. We seek to leverage the collective strengths of Vodacom and Synergy Communications to meet the changing requirements of clients across each of these markets.”

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