How to protect my bank?
Por: Isabely Mendo Hernández
Nowadays we increasingly use different technological tools to carry out daily activities that previously required a significant investment of time and effort.
The Internet offers a wide range of possibilities and the platforms and services that are within our reach with just a click are variable.
Every company that wants to stay relevant and competitive in the digital age must become a technology company, and the banking industry is no exception.
Digital banking is more efficient and flexible for the benefit of users, since all those long and complicated activities that usually take a long time can be carried out in a matter of minutes, although like everything related to the web, this has its risks, since, digital banking could suffer some type of cyber attack that compromises our banking details and personal information.
My digital bank
What is?
According to the RAE, banking is defined as “economic activity of financial operations carried out through banks” and as a “set of banking entities”. (RAE, s. f.)
In other words, they are all the operations that can be carried out in a bank, such as verification of account balances, transactions or movements, bill payments, money transfers, copies of statements or bank statements, among others.
HOW CAN MY ACCOUNT BE STEAL?
Hoy la banca ofrece una gran variedad de servicios digitales y aunque los bancos se preocupan por construir un entorno seguro no debemos olvidar que todo lo que se liga a internet puede correr algún riesgo tecnológico.
PHISHING attack
It is one of the most used methods to obtain confidential data. Cybercriminals send email messages accompanied by an alarming message and a link that supposedly directs you to your bank's portal.
This in order to capture your attention and encourage you to click on the link.
The site will ask you to enter personal banking information such as your full name, bank account, PIN or some other information. Token only that instead of entering your bank you will actually be sending all your information to a server controlled by the attackers. This way, they can access your bank accounts and empty them.
MALWARE IN THE SYSTEM
Esta técnica It is used to filter some type of malware to any of your devices, such as Trojans or a Keylogger, where the attacker can collect all the keystrokes you make or spy on you through the camera of your devices. devices, this in order to access your bank accounts.
SECURITY FAILURES
This happens in any application, website or device, where cybercriminals take advantage of software vulnerabilities to be able to enter the system either to steal accounts or insert some type of malware.
ACCESS TO UNSECURE PUBLIC NETWORKS
The public networks that we can find in shopping centers, transportation, supermarkets or airports are not very secure, since they are being used by many users and do not have adequate protection.
PRACTICES TO PROTECT MY BANKING
Although we know that in the digital world it is difficult to be 100% protected against any attack, especially when dealing with important and confidential information such as bank details, there are actions that help us moderate these risks.
For example:
- Have different passwords for each of your accounts.
- Never make a transaction or bank inquiry if you are connected to a public WiFi network.
- Set the screen lock on any of your devices in case they are lost or stolen and they cannot access your data.
- Adjust the number of daily transactions to proceed and the maximum amounts in each of these, thus avoiding embezzlement.
- Download the app de your bank from its portal or within its facilities with the help of an executive.
- Mantén actualizado el sistema operativo y antivirus de tus dispositivos.
bibliographic references
- RAE. (s. f.). Definición banca. Diccionario Real Academia Española. Recuperado de https://dle.rae.es/banca
- 10 consejos para proteger tus datos en las apps bancarias. (2021, 15 diciembre). Seguro SURA Colombia. https://segurossura.com/co/blog/revista-5-sentidos/10-consejos-para-proteger-tus-datos-en-las-apps-bancarias/
- Jiménez, J. (2022, 10 junio). Protege tus cuentas bancarias con estos consejos. Redes Zone. https://www.redeszone.net/tutoriales/seguridad/proteger-cuentas-bancarias-internet-consejos/
