Even though banks provide a lot of security measures, online banking services ( NEFT / RTGS ) are not free from the menace ( risk ).
Security threats include Phishing , spyware , adware , viruses , Trojans .
Phishing and Spam emails look like these have been sent from bank itself , and ask for personal details such as usernames and passwords.
Spyware and Adware are a special type of software created by hackers to collect sensitive information .These track your Internet habits and interests , and provide the same to marketing companies . This is how you end up with spam in your inboxes.
A Virus attaches itself to a program by clubbing with another program in the computer by using different resources of the computer.
An email Virus is a special type of virus that gets embedded in an email and when you open the email , it replicates your information and distributes it .
A Trojan can also be categorized as virus but it does not
replicate itself and does not need any particular program to attack. It is a destructive program that acts as a harmless application , such as helpful software claiming to get rid of unwanted software or virus. Instead , it attacks your information and makes it vulnerable.
Some security measures that you can take while using Internet banking are :
1. Always access the registered website on the bank. Do not follow any links in emails.
2. Beware of phishing attacks . Do not reply or disclose any sensitive information like username and password in response to email claiming to be from your bank . Banks never ask for sensitive details.
3. Check for https:// instead of http: // in your browser address while using Internet banking .
4. Avoid using public computers or Internet cafe computers for accessing bank accounts . If you need to do so , use the onscreen keyboard for typing your username and password .
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