Iyada oo ay sahlan tahay bangiyada, internetka^(Internet) ayaa sidoo kale keena culeys badan haddii aadan ka warqabin hababka iyo khiyaamooyinka ay adeegsadaan dambiilayaasha internetka. Waxaa jira habab badan oo la isticmaalo, kuwaas oo ay ku heli karaan xisaabaadka bangigaaga internetka. Hababka caanka ah waa jabsiga^(Hacking) , tuuganimada aqoonsiga ^{(Identity Theft)}injineernimada bulshada , iyo phishing . Maqaalkani waxa uu ku siinayaa qaar ka mid ah talooyinka badbaadada bangiyada internetka si aad u ahaato mid aad u ilaaliso.

Talooyin Badbaadada Bangiyada Onlayn

Raac Tilmaamaha Badbaadada Bangiyada ee Onlaynka^{(Online Banking Safety Tips)} ah si aad u ilaaliso macaamilkaaga maaliyadeed mid sugan. Tilmaamahan amniga ee bangiyada internetka^(Internet) ee badbaadada leh ayaa kaa ilaalin doona khiyaanada.

1] Weligaa^(Never) qofna ha siin faahfaahinta bangigaaga

Habka ugu badan ee loo isticmaalo dambiilayaasha internetka waa injineernimada bulshada iyo phishing. Waxay isku dayaan inay ku saaxiibaan ka dibna ku weydiiyaan faahfaahinta bangigaaga. Xasuusnoow^(Remember) in aysan jirin shirkad bangi oo ku codsanaysa aqoonsiga bangigaaga iyo eraygaaga sirta ah xaalad kastaba.

Ha^(Dont) ku siin adiga ama saaxiibadaa tafaasiisha gaarka ah shabakada bulshada

Talada ugu horreysa, oo ka mid ah shanta tabo ee badbaadada bangiyada internetka, waa inaad ka carartaa markaad la kulanto su'aalo sida waa maxay aqoonsiga macmiilka - telefoonka, shakhsi ahaan, ama iimaylka.

Ka hadalka Phishing -ka , dambiilayaasha ayaa laga yaabaa inay soo diraan iimaylo habaysan oo ay ku weydiiyaan inaad gujiso xiriiriyaha si aad u cusboonaysiiso faahfaahintaada sida ciwaanka, iwm. Weerarada noocan oo kale ah waxaa loo yaqaanaa Spear Phishing . Waxa laga yaabaa inay iimayl kuu soo diraan iyagoo sheegaya inaad u baahan tahay inaad cusboonaysiiso faahfaahinta oo aad bixisid isku xidhka iimaylka. Haddii aad gujiso isku xirka, waxaa lagu geynayaa goob isku mid ah, oo sidaas darteed waxaad luminaysaa aqoonsigaaga gelitaanka khayaanada. Haddii aad hesho iimayl ku weydiinaya inaad cusboonaysiiso faahfaahinta bangigaaga, iska dhaaf. Haddii aad ka shakisan tahay, wac bangiga oo weydii in iimaylka uu iyaga ka yimid iyo in kale.

Sidoo kale, waxna ha furin^(Open) ama ha gudbin adoon^(Forward) hubin inay ka yimaadeen meel lagu kalsoon yahay.

Marka la soo koobo, waa in aad iska indho tirtaa dhamaan isgaadhsiinta - iimaylada, telefoonada, qof ka qof, iwm. - ee ku waydiinaya aqoonsigaga bangiga. Ha ku dhufanin links^{(DO NOT CLICK LINKS)} -yada iimaylada ee u muuqda inay ka soo jeedaan bangiyada.

Akhri: ^(Read:) taxaddarrada la sameeyo ka hor intaanad gujin xiriiriyeyaasha shabakadda^{(Precautions to take before clicking on web links)} .

2] U isticmaal xaqiijinta laba arrimood^{(Use Two-Factor Authentication)} si aad u gasho

Ku dhawaad ​​bangiyada oo dhan waxay bixiyaan habab xaqiijin laba-geesood ah. Hubi inaad isticmaalayso xarunta. Waa dantaada. Haddii ay tahay inaad ka doorato dhowr hab oo xaqiijin ah, aad habka Hal Time Password^{(One Time Password)} ( OTP ). Waxa laguu soo diri doona PIN talefanka gacanta ee ka diiwaan gashan oo ah xaqiijinta labaad mar kasta oo aad rabto inaad gasho.

3] Ka fogow Kombiyuutarada Dadweynaha iyo WiFi

Muhiimadda^(Important) ka mid ah talooyinka badbaadada bangiyada internetka ayaa ah in laga fogaado WiFi dadweynaha iyo gaar ahaan, kombiyuutarada dadweynaha. Kumbuyuutarrada dadweynaha, waxaan ula jeedaa Kafeeyada Internetka^{(Internet Cafes)} iyo kombuyuutarrada maktabadda. WiFi dadweynaha^{(Public WiFi)} ee goobaha qaxwaha, xarumaha tareenada, iyo meelaha lagu sugo ee garoomada diyaaradaha, iwm. ayaa u fiican wakhti dhaafka, laakiin kama joojin karaan tuugta inay si fog u eegaan kombayutaradaada. Weligaa ha^(Never) u isticmaalin Kumbuyuutarada^(Computers) Dadweynaha iyo Wifi^{(Public WiFi)} -ga Dadweynaha ujeeddooyin bangiyada onlaynka ah. Taasi waxay kaa caawin doontaa inaad xogta bangigaaga ilaaliso.

Akhri^(Read) : Sida looga badbaado kombayutarada dadweynaha^{(How to stay safe on public computers)} .

Haddii aad isticmaalayso WiFi , waxaad ku jirtaa khatar weyn, maadaama khataraha isticmaalka WiFi-ga dadweynaha ama bilaashka ah^{(dangers of using a Public or Free WiFi)} ay aad uga badan yihiin. Waxaad u baahan tahay inaad si aad ah uga ilaaliso naftaada hackers-ka kuwaas oo afduubi kara isku xirka xogtaada si ay u ogaadaan waxaad samaynayso. Waxa kaliya ee ay u baahan yihiin waa qalab fudud oo si fudud looga heli karo internetka^(Internet) iyo meelo kale. Akhri maqaalkeena ku saabsan sida loo ilaaliyo ammaan markaad ku jirto WiFi-ga dadweynaha^{(how to stay safe when on public WiFi)} .

4] Si joogta ah u beddel erayga sirta ah

In kasta oo bangigu yiraahdo waa inaad si joogto ah u beddeshaa erayga sirta ah ee bangiga, waan ogahay inay adag tahay inaad la timaado furaha sirta ah ee aan la furi karin saddexdii ama lixdii biloodba mar. Way adagtahay in la xasuusto. Shakhsi ahaan, in kastoo aan isticmaalo maamulaha erayga sirta ah, ma aanan oggolaan in uu badbaadiyo eraygayga bangiga ama erayga sirta ah ee wax kala iibsiga.

Haddi aad badasho furaha sirta ah iyo haddii kale, ka dhig mid gaar ah oo xoog leh… iyo wax aad xasuusan karto. Ha u isticmaalin meel kale si xitaa haddii wax sida LinkedIn la jebiyo, dembiilayaasha internetka ma isticmaali karaan furaha sirta ah si ay u galaan bangigaaga internetka. Sidoo kale^(Likewise) , iska ilaali inaad ku kaydiso erayga sirta ah maamulayaasha sirta ah - ha ahaadeen kuwa maxaliga ah ama ku salaysan daruuraha. Ma garanaysid marka mid iyaga ka mid ah laga yaabo in wax loo dhimo. Ma dhahayo maamulayaasha sirta ah ma aha kuwo la aamini karo, laakiin waxyaabo yar ayaa si fiican ugu badbaadsan xusuusta maskaxdaada oo meel kale ma jiraan.

5] Hubi URL ka ciwaanka

Had iyo jeer hubi URL -ka ku yaal ciwaanka biraawsarkaaga, ka dib markii bogga shabakadda si buuxda loo shubo. ma goobta aad rabto inaad booqato?

Intaa waxaa dheer, haddii ay muujiso sumadda qufulka ama https, markaa waa degel 'ammaan' ah.

Ha soo dejin wax aadan ku kalsoonayn.

6] Hubi^(Check) taariikhda galitaankaagii ugu dambeeyay iyo wakhtiga

Haddii ay jirto sifo kuu soo diri SMS ama qoraal mar kasta oo aad gasho bangigaaga internetka, isticmaal. Taasi waxay ku siin doontaa ogeysiin waxayna faa'iido yeelan doontaa haddii qof uu isku dayo inuu galo bangigaaga isagoo isticmaalaya internetka^(Internet) .

Haddii sifada aan la heli karin, waxaad gacanta ku arki kartaa markii ugu dambeysay ee aad gasho. Haddii aad aragto wax khalad ah oo ku saabsan taariikhda iyo wakhtiga la soo galayo, ama xitaa marka la soo koobo wax kala iibsiga, isla markiiba xidh akoonkaaga oo ogeysii bangiga.

Ka bax marka shaqadaadu dhammaato.

7] Isticmaal software ammaan oo wanaagsan

Isticmaal suuit Security Internet^{(Internet Security Suite)} oo wanaagsan , kaas oo had iyo jeer lagu cusboonaysiiyo qeexitaanadii ugu dambeeyay. Qaar ka mid ah software-ka amniga ayaa browser-kaaga ku fura hab la ilaaliyo oo gaar ah waxayna sidoo kale ku siinayaan kiiboodhka shaashadda si aanu keylogger ama hacker uusan u galin furaha furahaaga furaha marka ay ogaadaan mareeg maaliyadeed. Haddii aad isticmaali karto software VPN , xitaa ka sii fiican. ^(VPN)Oo haa, tagaa adiga oo aan odhan - ku hayso Windows 10/8/7 OS iyo biraawsarkaaga mar walba mid cusub.

Marka aad dhammayso wax kala iibsiga bangiyada, had iyo jeer xasuuso inaad baxdo.^{(Once you have completed your banking transactions, always remember to log out.)}

Avoid online banking and other cyber frauds - Safety Tips for PC users

With the ease of banking, the Internet also brings а load of trouble if you аre not aware of procedures and tricks used by cybеrcriminals. There are many methods using which, they can get access to your bаnk accounts online. Popular methods are Hacking, Social Engineering Identity Theft, and Phishing. This article offers some online banking safety tips so that you can be on your guard.

Online Banking Safety Tips

Follow these Online Banking Safety Tips to keep your financial transactions secure. These security tips for safe Internet banking will protect you from frauds.

1] Never give your bank details to anyone

The most used method among cybercriminals is social engineering and phishing. They try to befriend you and then ask you for your bank details. Remember that no banking company requests your banking ID and password in any case.

Dont give your or your friends personal details on the social web

The first tip, among the five online banking safety tips, is you should run away when encountering questions like what is your customer ID – on the phone, in person, or an email.

Talking of Phishing, criminals may send customized emails asking you to click a link to update your details like address, etc. Such attacks are known as Spear Phishing. They might send you an email saying you need to update details and provide a link in the email. If you click the link, you are taken to a look-alike site, and thus you lose your login credentials to scammers. If you receive an email asking you to update your bank details, just ignore them. If you are doubtful, call up the bank and ask them if the email originated from them.

Also, Don’t Open or Forward anything without verifying that it from a trusted source.

In short, you should ignore all communications – emails, phones, person to person, etc. – that ask for your banking credentials. DO NOT CLICK LINKS in emails seemingly originating from banks.

Read: Precautions to take before clicking on web links.

2] Use Two-Factor Authentication for login

Almost all banks provide two-factor authentication methods. Make sure you are using the facility. It is for your own good. If you have to choose from a number of authentication methods, go for One Time Password (OTP) method. You’ll be sent a PIN to your registered mobile phone as the second authentication whenever you want to log in.

3] Avoid Public Computers and WiFi

Important among the online banking safety tips is to avoid public WiFi and especially, public computers. By public computers, I mean Internet Cafes and library computers. Public WiFi at coffee places, railway stations, and waiting lounges at airports, etc. are good for time pass, but they cannot stop hackers from peeking into your computers remotely. Never use Public Computers and Public WiFi for online banking purposes. That will help you keep your bank information safe.

Read: How to stay safe on public computers.

If you are using WiFi, you are at greater risk, as the dangers of using a Public or Free WiFi are much higher. You need to protect yourself much more against hackers who may hijack your data connections to know what you are doing. All they need is a simple device that is easily available on the Internet and elsewhere. Read our article on how to stay safe when on public WiFi.

4] Change Password Frequently

While a bank says you should keep changing the banking password frequently, I know it is hard to come up with uncrackable passwords every three or six months. It is hard to remember them. Personally, though I use a password manager, I haven’t authorized it to save my banking password or transaction password.

Whether you change the passwords or not, keep it unique and strong… and something that you can remember. Do not use it elsewhere so that even if something like LinkedIn is compromised, cybercriminals cannot use the same password to access your bank online. Likewise, avoid storing the password in password managers – be they local or cloud-based. You don’t know when one of them might be compromised. I am not saying password managers are not trustworthy, but few things are better saved in your brain memory and nowhere else.

5] Check the URL in the address bar

Always check the URL in the address bar of your browser, after the web page is fully loaded. is it the site you want to visit?

Moreover, If it displays a lock icon or https, then it is a ‘secure’ website.

Don’t download anything you don’t trust.

6] Check your last login date and time

If there is a feature that sends you an SMS or text whenever you log into your bank online, use it. That will give you a notification and will be useful in case anyone tries to log into your bank using the Internet.

If the feature is not available, you can manually see when you last logged in. If you find any irregularities with the login date and time, or even in the summary of transactions, immediately lock down your account and inform the bank.

Log out once your work is done.

7] Use a good security software

Use a good Internet Security Suite, which is always updated with the latest definitions. Some security software opens your browser in a special protected mode and also offers an on-screen keyboard so that no keylogger or hacker can log your password keystrokes when they detect a financial website. If you can use a VPN software, even better. And yes, goes without saying – keep your Windows 10/8/7 OS and your web browser up-to-date at all times.

Once you have completed your banking transactions, always remember to log out.

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