Digital aaj poore zor shor se hamari zindagi me enter kar chuka hai. Aisi koi industry nahi hai jahaan Digital ne kisi na kisi tareeke se apna naam na likha ho. Banking ek aisa hi sector (kshetra) hai.
Saalo pehle jo hum kaam banks ki lines me lag kar kara karte the aaj vo sab mobile phone/laptop aur ek internet connection ki madad se possible hai. But har nayi cheez apne sath risks (khatra) lekar aati hai. Digital banking ke bhi aise kayi sare risks hai jinki vajah se hum isko use karne se darte hai; bhale hi kitne hi security measures (suraksha ke lie upaay) ho.
Isliye zaroori hai hum baat karein ki Digital Banking karte samay kin baaton ka hume dhyaan rakhna chahiye:
Digital banking use karte samay Kya karna chahiye
- Apne passwords strong rakhein aur regularly change karte rahein
- Banking app aur website use karne ke baad turant logout karein
- Apne bank ki official ya verified (sahi) website ya app ko hi use karein
- Apni UPI apps ko update aane par lagataar update karte rahein
- PINs ko thode samay me change karte rahein
- Jin account holders (khaata dhaarakon) ko aap jaante hain, unhi se funds (rakam) accept (sweekaar) karein aur unhi ko transfer karein (bhejein)
- Firewall and Antivirus Software use karein
- Online shopping karte samay credit cards ka istemaal karein
Digital banking use karte samay Kya NAHI karna chahiye
- Apne passwords aur OTPs kisi ke bhi sath share: Agar aap kahi par apne passwords likh kar rakhte hain to unhe code words me likh kar rakhein. Kayin baar aapko aise calls aa sakte hain jisme koi aapse aapke bank ki ya credit card ki details maangte hain. Yaad rakhiye, aapka bank aapse kabhi aisi details nahi maangega
- Public computers and Wi-fi networks istemaal
- Unverified apps ko use karna
- Card details save karna
- Agar aapne apne bank account me login kara hua hai, to use device se hatkar chale jaana
- Kisi bhi source se ae hue link par click karna: Login karne ke liye hamesha bank ki website par jaakar login karein ya fir web browser me hamesha link type karke hi website ko use karein
- Login karte samay ya internet banking use karte samay apni desktop screens share karna
Digital banking ya online payments mein kabhi kabhi hum fraud (dhokha) ke shikaar ban jaate hain.
Aise kayi cases hume dehkne ko milte hai:
01. Aksar aisi emails hume aati hain
Agar dhyan diya jaye, to aap notice karenge ki yeh email official email id se nahi ayi hai. Ho sakta hai jab aap iss email me ae link par click karenge to aap scam ka shikaar ban sakte hain. Agar sure na ho, aur agar official email id se mail na ayi ho, to aise links par click na karein.
Source: Investopedia
Source: GlobalSign
02. Unsafe website ke through risks
Safe website me hamesha aapko “https” likha hua milega. Bina “https” ki website oar transactions na karein.
03. SMS ke through frauds
Hume aksar aise SMSs aate hain aur hume aksar lubhaate bhi hain. Aise SMSs scam hote hain aur aap inka shikaar bhi ban sakte hain. Aksar aise messages me links hote hain jo safe nahi hote kyonki inka source safe nahi hota. Inpar click na karein.
Souce: Twitter/Rajesh Sawhney
Agar aapko fraud hua dikhta hai, to turant apne bank se baat karein aur sahi steps lein. Digital banking hum sabke lie ek ummeed ki kiran hai. Isey sahi se istemaal karne par hume kaafi benefits (laabh) milte hain.
