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Tips to stay cyber-safe

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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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Now download a bank account

Absa has introduced an end-to-end account opening for new customers, through the Absa Banking App, which can be downloaded from the Android and Apple app stores. This follows the launch of the world first ChatBanking on WhatsApp service.

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This “download your account” feature enables new customers to Absa, to open a Cheque account, order their card and start transacting on the Absa Banking App, all within minutes, from anywhere and at any time, by downloading it from the App stores.

“Overall, this new capability is not only expected to enhance the customer’s digital experience, but we expect to leverage this in our branches, bringing digital experiences to the branch environment and making it easier for our customers to join and bank with us regardless of where they may be,” says Aupa Monyatsi, Managing Executive for Virtual Channels at Absa Retail & Business Banking.

“With this innovation comes the need to ensure that the security of our customers is at the heart of our digital experience, this is why the digital onboarding experience for this feature includes a high-quality facial matching check with the Department of Home Affairs to verify the customer’s identity, ensuring that we have the most up to date information of our clients. Security is supremely important for us.”

The new version of the Absa Banking App is now available in the Apple and Android App stores, and anyone with a South African ID can become an Absa customer, by following these simple steps:

  1. Download the Absa App
  2. Choose the account you would like to open
  3. Tell us who you are
  4. To keep you safe, we will verify your cell phone number
  5. Take a selfie, and we will do facial matching with the Department of Home Affairs to confirm you are who you say you are
  6. Tell us where you live
  7. Let us know what you do for a living and your income
  8. Click Apply.

 

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How we use phones to avoid human contact

A recent study by Kaspersky Lab has found that 75% of people pick up their connected device to avoid conversing with another human being.

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Connected devices are becoming essential to keeping people in contact with each other, but for many they are also a much-needed comfort blanket in a variety of social situations when they do not want to interact with others. A recent survey from Kaspersky Lab has confirmed this trend in behaviour after three-quarters of people (75%) admitted they use a device to pretend to be busy when they don’t want to talk to someone else, showing the importance of keeping connected devices protected under all circumstances. 

Imagine you’ve arrived at a bar and you’re waiting for your date. The bar is busy, and people are chatting all around you. What do you do now? Strike up a conversation with someone you don’t know? Grab your phone from your pocket or handbag until your date arrives to keep yourself busy? Why talk to humans or even make eye-contact with someone else when you can stare at your connected device instead?

The truth is, our use of devices is making it much easier to avoid small talk or even be polite to those around us, and new Kaspersky Lab research has found that 72% of people use one when they do not know what to do in a social situation. They are also the ‘go-to’ distraction for people even when they aren’t trying to look busy or avoid someone’s eye. 46% of people admit to using a device just to kill time every day and 44% use it as a daily distraction.

In addition to just being a distraction, devices are also a lifeline to those who would rather not talk directly to another person in day-to-day situations, to complete essential tasks. In fact, nearly a third (31%) of people would prefer to carry out tasks such as ordering a taxi or finding directions to where they need to go via a website and an app, because they find it an easier experience than speaking with another person.

Whether they are helping us avoid direct contact or filling a void in our daily lives, our constant reliance on devices has become a cause for panic when they become unusable. A third (34%) of people worry that they will not be able to entertain themselves if they cannot access a connected device. 12% are even concerned that they won’t be able to pretend to be busy if their device is out of action.

Dmitry Aleshin, VP for Product Marketing, Kaspersky Lab said, “The reliance on connected devices is impacting us in more ways than we could have ever expected. There is no doubt that being connected gives us the freedom to make modern life easier, but devices are also vital to help people get through different and difficult social situations. No matter what your ‘connection crutch’ is, it is essential to make sure your device is online and available when you need it most.”

To ensure your device lifeline is always there and in top health – no matter what the reason or situation – Kaspersky Security Cloud keeps your connection safe and secure:

·         I want to use my device while waiting for a friend – is it secure to access the bar’s Wi-Fi?

With Kaspersky Security Cloud, devices are protected against network threats, even if the user needs to use insecure public Wi-Fi hotspots. This is done through transferring data via an encrypted channel to ensure personal data safety, so users’ devices are protected on any connection.

·         Oh no! I’m bored but my phone’s battery is getting low – what am I going to do?

Users can track their battery level thanks to a countdown of how many minutes are left until their device shuts down in the Kaspersky Security Cloud interface. There is also a wide-range of portable power supplies available to keep device batteries charged while on-the-go.

·         I’ve lost my phone! How will I keep myself entertained now?

Should the unthinkable happen and you lose or have your phone stolen, Kaspersky Security Cloud can track and protect your device from data breaches, for complete peace of mind. Remote lock and locate features ensure your device remains secure until you are reunited.

 

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