SAFE ONLINE BANKING

Today i want to share about the safe online banking recommended from Malaysian Communication and Multimedia Commision (MCMC) or Suruhanjaya Komunikasi dan Multimedia Malaysia (SKMM). This tips very important to make sure your online transaction become secure from other problem like Trojan attacks, Malware, Pishing and many more. There tips to safe your online banking:

1. Get a good anti-virus solution 

You need to protect yourself from Trojan attacks. Malware has become very sophisticated these days and any PC without an up-to-date robust anti-virus system installed is at very high risk. Computer infected with Trojans are especially vulnerable. you may be typing and sending your banking instructions to your online banking provider but that information may also be going, without your knowledge to some criminal somewhere. 

The good news is that there are good free anti-virus solutions around if you do not want to fork out money for paid solutions. We do recommend however that you consider buying a solution. If you believe that your PC has been compromised, call your bank and have your online banking facility suspended until you clean up your PC 

2. Update your browser 

A simple thing like updating your web browser regularly can keep you safe. Web browser makers update their browsers when any vulnerabilities have been detected or when they have installed additional security measures into their application. Using an old version of a web browser is akin to walking out at night without escorts or protective gear. 

3. Choose a safe place for online banking 

Never carry out financial transactions online in public places. If you are accessing the Internet from places like your local coffee café using their free WiFi service, you may be at risk of being snooped upon by someone else on that same WiFi network. Only go online at safe places like your home and your office (if you are certain the network there is safe). 

4. Keep a sharp eye on the screen 

Never click on a link that supposedly leads you to your bank. The link may look like your bank's uRL but in reality it may be a fake site set up to capture your banking details and steal your money. Always look at the uRL listed on the browser and make sure that it is the correct web address. It pays to memorise your bank's web address and to type in your online bank's web address manually every time. 

Most online banking systems have layers of security measures. These include two step logins that involve pictures or phrases you have selected previously being shown on the screen before you type your password. Make sure every single time that the picture and or phrase is correct. 

5. Ignore emails and SMSes 

Banks do not ask you to re-verify your bank details through emails. Banks do not suspend your account through email. Likewise with text messages. You can safely ignore any such requests. Never ever send someone your login details over email. 

6. Online purchases 

Go ahead and make online purchases from known sites. These sites have secure ecommerce systems and measures in place that create a safe environment for shopping online. What you need to do is to be wary of purchases from dodgy sites and also direct transactions with buyers and sellers found on forums and auction sites. When you make those sorts of transactions, be careful of sharing too much banking information with them. Other than your name and account number, they do not need to know anything else. 

In summary, keep your PC updated, install a strong anti-virus system and be extra-aware when online. Ignore suspicious requests, only connect to banks from safe spots and deal with strangers cautiously. Follow these steps and you will be safe from cybercrime. Share these same tips with everyone in your home that has an online bank account.

That the tips to makes your online banking more safe and secure from other problem. Please be careful with your online transactions.

References: http://www.skmm.gov.my/Home.aspx