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Tips to stay cyber-safe

As technology progresses so too do the security risks some of it brings with – making it difficult to keep yourself safe. JACKY FICK, head of Cell C’s Forensic Services, offers some tips to keep smartphone data safe.

Every few months, concerns around online scams and theft are raised as a new wave of victims come forward. It seems almost seasonal. But the truth is that cybercrime never goes away. Every day, new victims fall for schemes. There are stories of people losing large amounts of money – even their life’s savings.

It can leave one feeling very vulnerable and uncertain. But a little knowledge goes a long way in this fight.

Secure your phone

It is vital to make your smartphone secure and, in case of theft, useless. The most obvious precaution is to lock the device with a password, swipe gesture or fingerprint reader, says Jacky Fick, head of Cell C’s Forensic Services and an expert in cybercrime.

“We often think our phones can’t contain too much interesting information. But it’s like losing your house keys. Your phone can open a lot of doors for cyber criminals. Once they have their hands on things like phone numbers and home addresses, they can find ways to hijack your financial accounts.”

If the phone is stolen, it can be remotely wiped and even disabled. This depends on the type of phone, but can also be done with third-party apps if they are installed.

Beware of Phishing

When fishing, as in angling, a lure is dangled in the water, made to look like a delicious piece of food and not plastic with a sharp hook. In on-line phishing, a piece of correspondence is made to look like news warranting attention, but can hide a host of dangerous electronic traps.

Such provocative messages contain an opportunity or impending disaster. An email could offer supposed LOTTO winnings, unclaimed tax refunds or a surprise inheritance. Phishing often mimics banks: an SMS offering a raise in a credit card limit or a formal email requesting an update of your details. Whatever the message, the goal is to steal information by posing as something else. Fick has three rules to help avoid such an attack:

“The first rule is that if you get an offer that seems too good, then it is. Always be suspicious. The second is to check the source. If the message looks like it came from a bank, call the bank. Third, never share personal information with someone who contacted you. If they called you, call back using the official company hotline number, not one they provide. Don’t click on links in emails or instant messages that look suspicious. Delete them immediately. Institutions such as banks will not request personal information in that way. They will request you visit a branch.”

Avoiding Sim Swaps

We have become very reliant on our phones as gatekeepers of our financial mobility. You cannot add beneficiaries or do certain transfers without a phone to supply one-time pins or approval. This is why sim card swaps are so attractive to criminals: they represent the keys to the city.

The number on a phone is based on the sim card inside. But that number can be electronically transferred to another sim. Anyone who has held onto their number for several years will have used a sim swap service. It’s a legitimate service, but can be manipulated to make an unauthorised swap. This is often done over the phone, with a criminal posing as the sim card’s owner.

“It’s important to know sim swaps happen at an advanced stage of the crime,” says Fick. “If they are attempting a sim swap, it means they already have things like banking details. They may also have enough personal information to try and get through the security questions. This is why phishing is so dangerous, because it can open the door to this kind of thing.”

Common Sense Still Applies

Keeping safe with technology is not impossible, but it requires device owners to be proactive. Other than the advice above, Fick offered the following:

●        Avoid installing unofficial apps: these can be used to sneak bad software onto your device. Use the official app stores, where apps are checked and secure.

●        Apply patches to software, particularly updates to your phone’s system. These often contain fixes for problems that criminals could use to access your information.

●        Email is not the only danger. Any type of link or file attachment can be dangerous. If you receive offers or request for information over SMS, WhatsApp, MMS or other means, don’t click on any link it contains. Delete the message instead.

●        Take care with public WI-FI and unsecured internet connections. Information sent over such networks can be intercepted.

●        A handbag or wallet contains a lot of useful information for identify theft and other cybercrime. Keep your personal possessions safe and in sight.

●        Phones attract more cybercrime, but computers remain a target. Always run antivirus software that is up to date and be sure to apply system updates regularly.

●        If you think something is wrong, do not hesitate. Contact your mobile service provider or bank’s hotline immediately if you notice odd behaviour.

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3D printed room-service? Visit the hotel of tomorrow

To mark its 100th birthday, Hilton predicts the trends that will change travel and hospitality in the next 100 years.

Intergalactic getaways, fast-food nutrient pills, 2-3 hour working days and adaptable, personalised rooms that can transport guests everywhere from jungles to mountain ranges. These are some of the predictions for the next 100 years that the Hilton hotel group has put together in celebration of its 100th anniversary.

In a report supported by expert insight from the fields of sustainability, innovation, design, human relations and nutrition, findings reveal the impact of the growing sophistication of technology and climate change on the hotel industry in the future.

Key predictions for the hotel of the future include:

Personalisation is King

  • Technology will allow every space, fitting and furnishing to continuously update to respond to an individual’s real-time needs – the Lobby will conjure up anything from a tranquil spa to a buzzy bar, giving every guest the perfect, personal welcome
  • From temperature and lighting, to entertainment and beyond, microchips under the skin will enable us to wirelessly control the setting around us based on what we need, whenever we need it

The Human Touch

  • In a world filled with Artificial Intelligence, human contact and the personal touch will be more critical and sought after than ever
  • Technology will free up time for hotel staff to focus on what matters most: helping guests to connect with one another and building memorable moments

‘Sustainable Everything’ – The Role of Responsibility

  • Only businesses that are inherently responsible will survive the next century
  • Sustainability will be baked into everything about a hotel’s design – from weather-proofed domes, to buildings made from ocean-dredged plastic
  • Hotels will act as the Town Hall of any community, managing local resources and contributing to the areas they serve with community-tended insect farms and vertical hydroponic crop gardens

Menu Surprises and Personalisation

  • Our diets will include more plant-based recipes and some surprising sources of protein – Beetle Bolognese, Plankton Pies and Seaweed Green Velvet Cake will be menu staples!
  • Decadent 3D-printed dinners and room service will provide unrivalled plate personalisation
  • Chefs will be provided with biometric data for each guest, automatically creating meals based on preferences and nutritional requirements

Futuristic Fitness and Digital Detoxes

  • Outswim a virtual sea turtle in the pool, or challenge yourself to climb the digital face of Mount Everest, your exercise routine will be as unique as you are. What’s more, exercise energy generated from workouts will be used to power the hotel, providing a zero-impact, circular system. Guests could even earn rewards based on reaching workout targets
  • Pick up where you left off with trackable workouts and holographic personal trainers
  • Offline will be the new luxury as we seek to find moments of tech-free time

“Since its inception in 1919, Hilton has pioneered the hospitality industry, introducing first-to-market concepts such as air-conditioning and in-room televisions. Last year, Hilton also became the first hospitality company to set science-based targets to reduce its environmental impact,” said Simon Vincent, EVP & President, EMEA, Hilton. “We enter our second century with the same commitment to innovation, harnessing the power of our people and technology to respond to guest demands. Our research paints an exciting future for the hospitality industry, highlighting the growing importance of human interaction in an increasingly tech-centric world.”

Futurologist Gerd Leonhard said: “In 2119 we will still be searching for unique experiences, but they will be more personalised than ever. As technology shapes our lives we will seek out moments of offline connection with others, including hotel team members who will help us truly get what we need from our stays. 100 years from now hotels will have to create opportunities to converse, collaborate and connect, delivering moments that matter, individually, to each and every guest.”

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Gadget ed to chair Digital Council

Specialist financial services provider Sasfin Bank has established a Digital Advisory Council to provide the market with industry-leading expertise and insights on trends shaping the use of technology in financial services.

Digitalisation is one of the most powerful forces for change shaping Finance today. This has turned Fintech into one of the most vibrant sectors in both information technology and among start-ups, generating billions of dollars in investment and development globally. The South African fintech space is dynamic, and Sasfin is playing a leading role in the transformation of local financial services and the resulting enhancement of customer experiences.

“We have been investing in fintech development in-house and acquiring or integrating fintech start-ups,” says Sasfin CEO Michael Sassoon. “Over the last year we have built further digital offerings, integrated via APIs into leading businesses and invested in fintechs. We built and launched B\\YOND, an innovative digital business banking platform and SWIP, a digital wealth and investing platform. We have invested in Payabill, an online SME lender and DMA, a digital trading platform. We recently announced our alliance banking relationship, leveraging open banking, with Hello Paisa to offer seamless banking to the unbanked. We feel that there is a huge opportunity to improve the experience of South African businesses and savers through using technology. We have therefore created an independent forum to assess how to even better improve financial services for South Africans by leveraging the digital economy.”

Arthur Goldstuck, founder of high-tech research consultancy World Wide Worx, editor-in-chief of Gadget, and a globally respected technology analyst has accepted Sasfin’s invitation to head up the Sasfin Digital Advisory Council, an independent think tank that will help Sasfin and its clients decipher the fintech present and future.

“The Sasfin Digital Advisory Council is broader than providing only the bank with a source of insight on how digital services are evolving and lessons from across the world,” said CEO Michael Sassoon. “Sasfin has been involved in fintech investing for many years and we are leveraging this experience as well as the experience of independent experts such as Arthur to provide insights and guidance to interested stakeholders in this space.”

The team appointed to the Digital Advisory Council is being selected for the breadth and range of knowledge they would bring to the table, with further appointments to the Council being announced soon.  There will also be room for the Council to co-opt specialist expertise as it is required.

Goldstuck, who has been covering the fintech sector as an analyst, commentator and columnist for many years, says he sees the role as a welcome challenge.

“There has been a long-standing need for a clear understanding of the impact being made by fintech today, and the exponential change it will cause tomorrow,” said Goldstuck. “My role will be, partly, to curate the wide spectrum of fintech and digitalisation knowledge and insights that the members will bring to the Digital Advisory Council, and help create scenarios that businesses and policymakers may use to navigate the future – both inside and outside Sasfin.”

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