Internet Banking services have become popular, however, users need to know the risks they may encounter when using them in order to take timely measures.
Transactions through fake websites
Fraudsters often create websites that look exactly like the bank's official website to steal users' login information.
Fake websites use the name, image, design, logo, color, information content, products, services... of the bank but have almost identical domain names, confusing users.
When users are not on guard and enter information into these fake websites, criminals can easily access their accounts and make unauthorized transactions.
System failure
System failures can be caused by a variety of reasons, including technical errors, system overloads, or cyber attacks. When the system is disrupted, user transactions cannot be performed or encounter errors. For example, the bank reports that your transfer was successful, the transaction amount has been deducted from the account, but the recipient does not receive the money.
In addition, Internet Banking depends on the server system and Internet connection of the bank and the customer. If there is a technical problem or loss of Internet connection, the money transfer service may be interrupted or not work. This may cause inconvenience and damage to users, especially when they need to make urgent or important transactions.
Being scammed into transferring money
Fraudsters often use sophisticated fraud methods such as impersonating bank employees, police, court officials, relatives, and friends to convince users to transfer money into their accounts. These situations happen quickly, making it easy for many people to fall into the trap.
For example, a scammer sends a fake email from a bank to inform the customer that they have received money from the bank. Then, they ask to confirm the transaction by accessing a link containing malicious code to collect personal information and steal money from the customer's account.
Forgot Password
Users may lose or forget their password when using their Internet Banking account. This can cause a lot of trouble when making money transfers. Your account will be almost disabled without a password.
At this time, users must contact the bank to retrieve their password or create a new password, which takes a lot of time.
Notes when using Internet Banking
Choose a reputable bank
Internet Banking is a service that allows customers to conduct banking transactions online via the internet. However, not all banks have high quality service and security.
Therefore, when using Internet Banking, users should choose reputable banks with high security to best protect their assets.
Regularly change passwords and keep personal information secure
When using Internet Banking, customers should change their passwords regularly and not disclose their personal information to anyone.
Password is the key to protect your account, advice is to choose a strong password. It should include letters, numbers and special characters and especially not the same as the password of other accounts. Customers should also change password at least once every three months and not save password on computer or phone.
In addition, the most important thing to note is that you should not provide personal information to anyone, including bank employees. Because the account can be exploited to appropriate assets by the information you provide. You should also avoid accessing Internet Banking from public devices or unsafe wifi networks. Because there may be bad guys on those public networks who want to steal your information.
Double check all transaction information before confirming
When using, you should carefully check the information of the Internet Banking transaction before confirming such as amount, account number, recipient name, transfer content, transaction fee, OTP code or level 2 password.
Absolutely avoid making money transfers when you are busy, tired or under pressure and do not let yourself be influenced by external factors.
If any errors are detected in the transaction, customers should immediately contact the bank for assistance.
In addition, customers should also check their account balance and transaction history after completing the transaction to see if the transaction is correct as they did. At the same time, make sure you have filled in all the information correctly from the amount to the recipient. This helps ensure that there are no problems that occur and cause damage to you when using Internet Banking.
Devices and network connections must be secured.
Device and network connection are two important factors to ensure safe conditions when using Internet Banking. You should protect your device by installing anti-virus, anti-malware software and updating it regularly. Lock the screen when not in use and do not let the device be lost or accessed by others.
To be more thorough, you can delete your browser history, cookies, cache and temporary data after using Internet Banking.
Also make sure not to download or open files, links or emails from untrusted sources.
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