How to keep cyber criminals at bay
Online shopping
FNB Namibia highlights some precautions customers can take to ensure they are safe when transacting online.
As online shopping continues to grow, FNB Namibia is advising customers to be wary of cyber criminals when purchasing goods or services online.“As technology evolves, scams are also getting increasingly sophisticated. We urge customers to not to use their cards on untrusted websites, links or online platforms, especially when the offer sounds too good to be true.
“Customers should be aware of advertisements that claim to be selling items at prices way below market value. These items might include electronics, clothes, or special offers on subscription fees to popular streaming sites,” says Ingrid Katjiukua, FNB Namibia forensic manager.
Check, read and research
Legitimate websites typically provide clear contact information, including a physical address and phone number. Customers need to verify this information before making any transactions.
Look for customer reviews and ratings on independent review platforms or forums. However, remain cautious and tread lightly as reviews can be manipulated.
Conduct a quick online search about the company or website and review it for any reported scams, fraud or negative experiences from other users.
Legitimate websites have clear and comprehensive privacy policies.
Most people skip these because of how lengthy they often are but taking the time to read through the privacy policy to understand how your information will be managed can ensure that your information will not be compromised.
Payment options
Reputable websites offer secure payment options so look for well-known payment gateways and ensure that the website uses encryption for financial transactions.
Be cautious of websites with misspelled domain names or unusual domain extensions.
Fraudulent sites may try to mimic the appearance of well-known brands with slight variations in the URL, always inspect the websites, links or social media post before inputting your card details and parting with your money.
Many legitimate websites display trust seals or badges from reputable security providers. Check for these indicators but remain cautious as some fraudulent sites may also use fake trust seals.
Click on the padlock symbol in the address bar to view the website's SSL certificate details. Ensure that the certificate is valid and matches the website's domain.
When making online transactions, ensure that you are using a secure and password-protected Wi-Fi connection. Avoid accessing sensitive information on public Wi-Fi networks.
Phising
Be cautious of unsolicited emails or messages with links to websites.
Verify the legitimacy of the communication before clicking on any links, especially those requesting personal or financial information.
“By combining these additional tips with the HTTPS and padlock symbol checks, customers can enhance their ability to identify secure and reputable online platforms.
“Treat emails, SMSes or calls you receive with caution and be aware that FNB will never ask you to reveal any personal account or security details (like your PIN, password, etc.) in a letter, email, SMS or telephone call,” Katjiukua advises.