Safety Tips for Making Secure Mobile Transactions

With government's support for a cashless economy, individuals are increasingly expected to adopt digital ways of transactions. For many people, smartphones are the most convenient option due to their increased mobility. But how can you be confident that smartphone transactions are secure?

Smartphones and mobile gadgets are still relatively newer concepts in the IT world. The typical mobile smartphone, in comparison to home PCs and laptops, has only been around for a few years. However, because of its rapid rise in popularity, there are has been a rapid rise in such gadget adopters than ever before.

And this leads to a fascinating conversation about mobile payments on the internet. How can you be safe when making purchases on your mobile devices, specifically? Mobile devices are quite insecure compared to computers on your home network.

There's also the risk that the mobile app or website will include flaws. Mobile phone security has come a long way, but it hasn't yet reached its pinnacle. Here are some guidelines to ensure your safety when making purchases on a mobile platform.

Don't Download Apps from Unknown Sources

This should be self-evident. You must only download apps from the official App store for your device. Malware might infect your smartphone if you download apps from an unknown source.

  • Keep an eye out for tell-tale signs of a potentially harmful app. Apps that ask for unnecessary of permissions or have a sloppy appearance and feel, for example, should be avoided.

  • Before you download an app, check the reviews and the overall rating.

  • Install an antivirus program that will scan for harmful apps and alert you if you try to download them.

Password is a Great Way to Keep Your Device Safe

The first step in safeguarding your phone is to create a password on the lock screen. You have the option of using a password, pin, pattern, or face unlock.

  • Make it difficult for anyone to predict your password by making it too evident.

  • Setting up a second layer of protection for some applications that you use for digital transactions (such as your bank's app) is suggested. As a result, even if someone manages to get past your lock screen password, they won't be able to access all of your applications.

  • It is also advisable to never save your credit/debit card information or passwords on any of the financial applications you use.

Check for HTTPS on Mobile Websites

If you have to utilize a company's website to perform transactions because they don't have an app, make sure it's a secure HTTPS connection. This ensures that the information you submit is only shared between your device and the website's server.

  • Keep an eye out for the padlock icon in your browser.

  • If you have the time, getting a computer or laptop to complete such transactions is always a smart idea.

Send Data Only via Secure Internet Connection

Whether you're buying online or transferring money, it's critical to make sure your transactions are conducted over a secure connection. Using public Wi-Fi to conduct digital transactions might be dangerous. Using public Wi-Fi to access your social media accounts is a wonderful idea, but not while doing financial transactions.

Use Social Media with Caution

Since social networking sites have become accessible targets for hackers, you must utilize them with caution. There is a lot of bogus news and spam links floating around, you should never click on questionable links that may lead to phishing sites. Many of these connections have the ability to steal crucial data stored on your phone.

Keep an Eye on Your Credit Card

Even if you have your phone with you and have taken all the necessary payment security procedures, check your credit card transactions often. By keeping an eye on your account, you'll be able to spot any strange purchases promptly and report to your credit card company. If you believe your credit card information has been hacked, contact your bank immediately and generate new account information.

Updated on: 11-Apr-2022


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