Disadvantages Loss of money
As life picks up pace and society adapts to the lifestyle , we increasingly look to our computers to simplify life.
One of the increasingly popular services people are increasingly accessing on-line is Internet banking. Not only can it be time saving, but it is invariably very convenient.
For people like myself that have problems getting out and about to shops sometimes, it offers a unique and invaluable service, where I can shop online and pay using my Internet bank account or plastic.
The banking providers are invariably using secure servers and going to great legnths to protect the safety of transactions. Whilst not fool proof, they do offer a good measure of security agruably more security than is available for high street banking on standard accounts.
So does all this mean we should feel safe and secure? Perhaps it should , but unfortunately this protection grinds towards a halt when it comes to people obtaining our banking details via more obscure measures.
There are basic and sensible precautions you can take to minimize the risk, such as installing a firewall program. Ones such as Black-ice defender, Norton personal firewall and Zone alarm are but a few. Some are free and some are inexpensive. They work by asking your computer permission before allowing any data or information in or out of your computer via the Internet.
These programs are not infallible by any stretch of the imagination but they do make life for the hacker very difficult and make you a less easy target.
Hardware firewalls are available too, either as dedicated firewalls or encapsulated into routers. Dedicated firewalls are immensely expensive, but routers are an affordable otion that offer slightly higher protection that their software counterparts. The biggest downfall for the hardware option is that fact that involves quite a bit of technical know-how to use it properly.
The most worrying aspect of on-line banking security, to mind is the concept of misleading, fraudulent emails. There are number of ways in which they present themselves. I myself have received two different types of these. the first type being of a nature where a company will inform you that an amount is to be deducted from your account or credit/debit card for a purchase(that you haven't ordered) unless you reply to the email with your card/account details within 7 days.
It might seem obvious that it's an attempt to fraudulently obtain your details, but it is surprising how many people read it, panic thinking they are about to be charged for something they do not want and do indeed email by return their details. The saddest part if this scam is that as you have provided your details ,it is unlikely that the bank will accept any responsibility for the fraud.
If you use internet banking, be vigual, be carefull and read all the banks policies and gyuidelines before starting your on-line banking life.* * * Thankyou for reading * * *
UPDATE 2/4/04I think the banks must have been reading my review (or my mind) as I visited a web site today and got the following pop-up
You may have seen reports recently relating to the use of bogus emails, encouraging bank customers to visit a website where card or internet security details are requested.HFC Bank Limited (providers of your Beneficial Credit Card) treat security threats very seriously and given these recent attacks on UK banks we remain vigilant.
Please note HFC Bank Limited would never send emails that ask you for confidential or personal security information.If you have already received, or receive such an email in the future, please delete it immediately without responding or visiting any site you are directed to.
If at anytime you are concerned about the validity of a Beneficial email or website, please call our Customer Services department on 0870 240 0990. """"Maybe they are finally getting the message!
Attention, this is the first review from this author
Instead of giving a negative rating, consider:
Help this member by giving your advice
Report fraud (for example plagiarism) or other issue with the review to the Ciao support team
Add your comment