As the time is passing day by day, year
by year so the technology is also changing and among them is the internet
making reach to the so far area around the world. The internet has made a
drastic change from last few years and has change the entire world. Now
approximately 90% of the world population is dependent on internet, connected
to internet, as it is a modern (Technology) era everyone is using their own
handheld devices (Mobiles, Tablets, Laptops)
having internet connectivity. Now a day’s business are also going online (E commerce, E Business) simply go to
internet search the sites (service
provider sites) select the product you wish to buy, add to card & make
payment (Cash On Delivery (COD), Online
payment) in easy steps the product is yours, ok this is little bearable/acceptable,
now what if you don’t have the time to
go to bank to open a bank account or to deposited the cash? No need to
worry this is technology era banking
sector has also started this
facility online (E banking, Tab Banking)
if you have a bank account then you can go for internet banking facility for
easy transaction of money (Pay bills,
recharge mobile, Transfer money from one bank account to another bank account
in easy and smart way), as technology has totally changed our life and the
way we think, but there is a drawback also you can easily be a next target or
pray of cybercrime, hackers so smart that they can do anything what they wish
to do, it is better to be aware what to do & what not to do?, when online.
Online scam, virus attack, fraud are
common now a day’s some of them become the national/international news
headlines.
Secure the system.
1.
Antivirus & Operating System Updates.
Make it sure
that you always have Antivirus installed
in your system as it will act as line of
defense (defend against attack). If you don’t want to spend money on buying
antivirus then best option is to move to Linux, if using windows then download
Microsoft's Security Essentials which is free.
Keep in mind
that yours antivirus & Operating system are up-to-date with latest patches as
each days nth numbers of
new form of viruses are created by the experts (Hackers/Bad Guys), either update the antivirus regularly or keep
auto update on.
2. Not only your Antivirus & Operating System be updated, but
it is recommended to keep all the software installed in your system to be
up-to-date as they can to be vulnerable.
3. Recommended not to use/install java until
and unless needed.
According to my
opinion not to keep installed java in the system when needed for some activity
then only it and use then uninstall after the activity is completed.
The above 3 points are related to How to protect the system? Just basic.
Now what to keep in mind & what
precautionary measure to take when you are online (surfing Internet/doing some money transactions.)
1. Don’t ever do the internet banking from
someone’s else/cyber café systems.
2. Use unique and strong password.
Best practice is
to keep password unique (different not
your name, spouse name, pet name, children’s name, date of birth) and
strong password (Use a minimum password
length of 12 to 14 characters if permitted, include lowercase and uppercase
alphabetic characters, numbers and symbols, keeping changing the passwords after
a fixed period of time like after 45 days.)
3. Use two factor authentication (2FA).
2FA is best
practice to keep you on safer side when you are surfing internet. The password
which you know is the form of one factor authentication (1FA), in 2 FA process
your have are crossed verified two times to know that yes you are the only one
who is calming to be but someone else, the 2 FA is very secure if by change your
password is compromised you need not to be worry if someone is trying to login
to your account (Mail, System) then
you will the OTP through SMS on your registered or linked mobile when you will
put the password then only the authentication will be successful and you will
be able to access the account, the OTP duration is approximately 30 Seconds.
4. Whenever you are
supposed to have internet banking always check for (Https ://) in the browser this means this site is trusted, secure
and save to use.
5. Beware of the phishing and the spam and social
engineering mails. If
you are getting the mail from bank site asking for your password and user ID
don’t provide them the detail as they can be a spam mail or social engineering
acts as bank will never ask their customers such a thing.
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