India is fast moving towards a digital economy and the government has taken up so many initiatives to promote digitization in the country. After demonetization, the number of people using digital payments is on the rise. Today, a lot of people prefer doing almost everything online. Be it sending money from one bank account to another, booking tickets, paying utility bills, and much more, everything’s online these days. While the number of people using mobile banking, internet banking, and other online modes are increasing each day, online fraud too is on the rise.
There have been many cases where people have lost money to online frauds. Fraudsters have become very smart and have come up with innovative tricks to wipe out money from innocent people's bank accounts. Earlier, fraudsters used to carry out most of these frauds using ATM, mobile banking and internet banking. But today, they use numerous techniques like phishing, vishing, SMShing and much more.
The main reason why a lot of people lose money to online fraud is lack of awareness. So, every bank and financial institution has been alerting customers on frauds that might happen and how to stay away from them. Recently, HDFC bank has issued certain guidelines to customers on how to stay safe from frauds. HDFC bank tweeted, "HDFC Bank understands your world and strives to protect it from fraudsters. Keep these guidelines in mind to ensure complete cyber security".
These are the 8 guidelines issued by HDFC bank for complete cyber security
1. Never allow strangers to guide you into installing 'AnyDesk' or any similar apps.
Recently, many people have lost their hard earned money by downloading the AnyDesk app. This app allows fraudsters gain access to mobiles and steal money from your bank account. So, never install 'AnyDesk' or any similar apps on your phone.
2. Enable the app-lock feature on your payment and mobile banking apps
Always enable the app-lock feature on your payment and mobile banking apps. This ensures that nobody can access your apps if the mobile is stolen or lost.
3. Avoid forwarding any SMS advised by unknown callers
In case someone calls asking you to forward SMS for any reason, never do it. Doing so may lead to your SIM getting blocked.
4. Disconnect suspicious fraudulent calls immediately
If the caller is asking you to provide any sensitive information, disconnect immediately.
5. Customer service numbers found through any search engines (Google) may be unreliable.
Never call the customer care number which comes up on Google. Instead, go to the official website of the bank or the company to find the customer care number.
6. Do not share your banking passwords or store them in your mobile.
Never share your banking passwords with anyone over the call or email. Do not save banking passwords on your phone. This is because if the mobile is stolen, fraudsters get access to this information.
7. Do not share sensitive information on call, EVER.
No banks or financial institutions call seeking card number, CVV and OTP. In case you receive such calls, disconnect immediately.
8. Avoid any 'Collect Request' transaction on your UPI app from an unknown caller.
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