What is Cyberattacks ?
Cyberattacks are attacks on computer systems or networks. They can be carried out by individuals, groups, or governments. Cyberattacks can have a variety of goals, such as stealing data, disrupting operations, or causing damage.
Cyberattacks are on the rise in Nepal, and your bank account is a prime target. Hackers can steal your money in a variety of ways, including:
Phishing: This is a common scam where you receive an email or text message that appears to be from your bank. The email or text message will ask you to click on a link or provide your personal information, such as your username and password. Once you do, the hacker can steal your information and access your bank account.
Malware: This is software that is designed to harm your computer. Malware can be installed on your computer through a variety of ways, such as clicking on a malicious link, opening an infected attachment, or downloading a file from an untrusted source. Once malware is installed on your computer, it can steal your personal information, including your bank account information.
ATM skimming: This is a physical attack where hackers install a device on an ATM that can steal your card information when you swipe your card.
How to spot a phishing email or text message: Phishing emails and text messages are often designed to look like they are from a legitimate source, such as your bank or government agency. However, there are a few things you can look for to spot a phishing email or text message, such as:
• The email or text message is poorly written or has grammatical errors.
• The email or text message asks you to provide personal information, such as your username and password.
• The email or text message asks you to click on a link or open an attachment.
How to report a phishing email or text message: If you receive a phishing email or text message, you should report it to the sender's organization. You can also report it to the Federal Trade Commission (FTC) at https://reportfraud.ftc.gov
There are a number of things you can do to protect your bank account from cyberattacks:
Use strong passwords: Your passwords should be at least 8 characters long and include a mix of uppercase and lowercase letters, numbers, and symbols. You should also never use the same password for multiple accounts.
Enable two-factor authentication: Two-factor authentication adds an extra layer of security to your account by requiring you to enter a code from your phone in addition to your password when you log in.
Be careful about what information you share online: Don't share your personal information, such as your bank account number, on social media or other websites.
Keep your software up to date: Software updates often include security patches that can help protect you from malware.
Educate Yourself and Your Family: Knowledge is power. Educate yourself and your family about common cyber threats and safe online practices. Promote open communication so that everyone is on guard against potential risks.
Be suspicious of emails and text messages from your bank: If you receive an email or text message from your bank that asks for personal information, don't click on any links or provide any information. Instead, contact your bank directly to verify the authenticity of the message.
Use a VPN when using public Wi-Fi: A VPN encrypts your traffic, making it more difficult for hackers to steal your data when you're using public Wi-Fi.
Here are some additional tips that may be helpful:
• Only use ATMs that are in well-lit and public areas.
• If you see anything suspicious around an ATM, such as a skimmer, report it to the bank immediately.
• Be careful about what apps you download from the App Store or Google Play. Only download apps from trusted developers.
• Keep an eye on your bank account statements for any unauthorized transactions. If you see anything suspicious, contact your bank immediately.