What are the steps that I can take to make Internet banking more secure?
Internet banking offers a safe way to conduct your banking transactions when adequate security precautions are taken.
You are advised to:
- Keep your login ID and password or PIN confidential
- Change your password or PIN regularly
- Refrain from storing your login ID and password or PIN on the computer
- Check that you have logged into the right website
- Check your transaction history details and statements regularly
- Refrain from leaving your computer unattended, while connected to the Internet banking service
- Sign-off at the end of each session and clear the memory cache and transaction history after logging out from the website
- Protect your personal computer from viruses and malicious programmes by installing an up-to-date hackers firewall and a reputable anti-virus and anti-spyware programme. These programmes must be updated regularly to be effective.
Although some anti-virus programmes may have anti-Trojan Horse features, it may remove only the more popular Trojan Horse programmes. You may want to consider installing an anti-Trojan Horse programme which is specifically designed to scan and remove any Trojans from your computer
- Avoid downloading files or software from sites, which you are unfamiliar with or click on hyperlinks sent to you by strangers
- Avoid sending any personal information particularly your password or PIN via ordinary e-mail
- Avoid using shared or "planted" or public personal computers, e.g at Internet cafes, to conduct your Internet banking transactions
Reprinted with permission from BankingInfo (A Consumer Education Programme)
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