Always be aware for every activity online we are important. Because along with the increase in online activity, the potential for cybercrime also rose.
In the midst of the current Covid-19 pandemic situation, everything is attempted to be done online, ranging from work, study to shopping. You could say, everything can be purchased online, ranging from living needs to lifestyle.
But still, we also should not underestimate digital security. In cyberspace there are many crimes that can lurk us if not observant and reckless.
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| Beware of Phishing Actions Targeting Money in Your Account |
As an overview of online fraud, you must have heard the news where the victim lost money after receiving a phone call or email from an undercover party from a banking / digital wallet party (such as Go-Jek / Ovo) and so on.
Then the undercover fraudster, for example from the digital wallet, tricked his victim with the mode of the victim winning prizes without being drawn worth millions of rupiah, directly in the current transfer also with the condition that immediately complete the requested data such as account numbers to OTP codes (one-time passwords).
As a result, if the victim is not observant, it will immediately provide personal data requested by fraudsters. Furthermore, fraudsters immediately take action, take the victim's banking account and drain the money in the victim's account very quickly. This is known as online phishing scams.
There are many scams such as the example above, of course we as people who are active with online activities and online transactions need to have knowledge about the mode of online fraud that often occurs and how to avoid it.
So that we do not become potential victims of phishing scams, let's learn more about what phishing is and tips so that we are not fooled, check out the following reviews from cermati.com.
Beware of Phishing Scams in the Midst of a Pandemic
Phishing is a crime committed online (cyber) with the aim of retrieving sensitive information / data of a person.
Examples of sensitive data and information ranging from usernames, passwords, credit card numbers and CVVs, to OTP codes.
Phishing or data theft is a very common crime threat today. The procedure is to steal important data belonging to others.
But where do the perpetrators get our important data from? In this sophisticated era, fraudsters have various ways, such as buying personal data from the black market, to looking at personal data from social media. Of course, if we are not vigilant and careless, we are actually prone to phishing actions because we are never far from the internet connection.
You should know that phishing techniques carried out by thieves / hackers tend to go unnoticed by many of their victims. So without the victim knowing, the theft of funds succeeded because unknowingly the victim 'gave it' (sensitive data) voluntarily.
Not infrequently some cases show the mechanism of data theft is to 'herd' the victim through various sites that provide information is bombastic or splashy, sad, and smells of pornography. But, when opened, it turns out that this is a web that contains viruses to immediately infect your electronic communication tools and get important data. Danger, isn't it?
Know the 5 Modes of Phishing Crimes
To avoid phishing crimes, you need to know some phishing trap modes that often occur.
1. Phishing mode is common by phone or e-mail where the sender declares itself as a bank or credit card issuer. You are informed that there will be an update of banking data or there is a problem with the account that must be handled at a moment's time. So they definitely need your data under the pretext of equating your data with bank data.
Tip: If you've ever served a phone request like this by answering a question about data that is actually private, you've unknowingly given your most confidential data to someone else.
Please note that the bank never makes customer data requests especially when by phone or mail, be it conventional letters or electronic mail. To maintain the confidentiality of customer data, it is usually the bank that invites customers to come to the office and solve problems.
This also applies to callers from other parties who are in disguise will give gifts or ask for updates of personal data. Don't be served by this scam!
2. Phishing mode is common through online survey filling. For some purposes, the survey is a natural thing. But, the thing you need to be aware of is when you are asked to fill in personal and sensitive data such as financial data that can be done via the internet, email, and also the phone. It is better to immediately avoid the survey giver and not fill out the survey.
3. Phishing mode is common through cheap product offers/ promos. It cannot be denied that the existence of the internet is very easy for us to get information. Same with fraudsters. By going through this online transaction, you can be a victim of phishing because you buy cheap product offers, online businesses, to massive discounts that tend to make no sense.
Maybe you think the price is not much, even if you are cheated even the money you spend is not much. But some time later there is a possibility that you get a bill for registration or purchase of products that may run into hundreds of dollars or millions of dollars. Never input sensitive data such as credit cards on sites you can't trust.
4. Phishing mode usually occurs through transactions in the form of software / application purchases on smartphones. This could also be the way these phishing actors get your personal data. As much as possible limit the transactions you have to do through your smartphone to minimize the incidence of phishing. Make sure that the software provider is a company or institution that is trusted.
5. Phishing mode commonly occurs through cheap pay products with credit / debit card swipes. Cheap stuff has always been a tempting thing for most people. Not infrequently they do not think about the side effects about what will happen (the risk).
Things to watch out for you do not make payments in cash but are required to use a credit card or ATM card which is then swiped at a swipe machine that is exactly what you see at the checkout of a famous supermarket. Be careful about using this method because you never know if you have voluntarily provided your personal data through the skimming machine they carry.
Know 5 Ways to Avoid Phishing
By knowing the 5 modes that phishing fraudsters often do, you are expected to be more vigilant and not carelessly spread or share your personal data.
Always be careful because crime evolved in various forms and what is now most prevalent is cyber-crime. To protect you from this kind of fraud, we recommend that you take preventive measures such as the following:
1. Create a PIN that is difficult to guess by others.
Never use certain dates such as birth dates to serve as PINs because it is easy to guess. Also avoid using PINs that consist of the same number in a row. Combine multiple numbers to keep your account safe from fraud or phishing cases so that your savings funds remain safe and your credit card is not carelessly used by irresponsible people.
2. Avoid clicking carelessly on links.
Avoid clicking carelessly on links sent from emails, short messages from SMS / WhatsApp or from DM (direct message) social media. Remember, there are many websites abal-abal to fake social accounts circulating. Phishing generally attacks the inesight of its victims such as the phishing e-mail mode on behalf of banks / companies.
Real examples of e-mail fraud on behalf of a fake email address can be known by paying attention to the suffr ending in the email address, such as promo@newsletter.cermat.co or promo@newsletter.cermat.in and so on.
Always do double checks and checks by paying attention to the email address and website listed on the email and in the email.
3. Maintain OTP Confidentiality, CVV, CREDIT &debit card PIN.
You must know that the OTP code that comes in via SMS / email is confidential, as well as CVV codes, credit and debit card PINs. Never give this sensitive data to anyone,
4. Don't be a person who is easily tempted.
Whatever the offer, remember not to be easily adrift. For example by investment offers, millions of gifts, cheap promos, and fantastic discounts.
5. Never upload selfies with self-identity.
Online fraud phishing mode is sophisticated, crime can occur if you are reckless and upload selfie photos by holding a self-identity such as ID card, driver's license, NPWP on social media (Facebook, TikTok, Twitter, Instagram). Avoid also posting your own data in the comments field on social media or any website.
Always be vigilant when online.
Hopefully by knowing the fraud mode and preventive measures above can prevent you from phishing crimes that are rife around us. Remember that keeping sensitive data is your personal responsibility, be aware of this.
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