Security, protection and confidentiality. Banks effectively respond to the security needs of their customers, through technological controls, staff training initiatives and awareness campaigns. Every year, in fact, Italian banks spend more than 250 millions of euros for computer security and thanks to this intense work and the precious collaboration with law enforcement agencies, customers who are victims of fraud are only 0,002% of the total they operate on home banking, equal to one on 50 thousand.
Cyber security, however, also passes through the collaboration of bank customers. For this reason, the ABI has promoted a guide on the responsible use of technology and payment tools by customers. The project, carried out by Bancaria Editrice with the contribution of prestigious interlocutors such as the State Police, CERTFin and the Foundation for Financial Education and Savings (Feduf), which will be disseminated with the collaboration of 12 consumer associations, reports, in one language simple and direct, the main rules to follow to operate online in a comfortable and safe way.
Useful tips for using home banking safely
- To connect to the bank's website, directly enter the address in the navigation bar and check that the site name is correctly written; never click on links that refer to the website of the bank if they are within suspicious emails or sms.
- When you are on the bank's website, double-click on the lock icon in the navigation bar and verify the correctness of the data that is displayed (find the icon on the left if you use Mozilla and Chrome as navigation, right for Internet Explorer ).
- Periodically change the access codes to your reserved area and regularly check the movements of the current account to make sure that the transitions shown are those that you actually carried out. The notification systems made available by your bank can be very useful to verify the operations.
Useful tips for using mobile banking safely
- Install and keep the antivirus, the operating system and the applications up-to-date and remember to disable WI-Fi, geolocation and bluetooth when not in use.
- Use only official apps and, during installation, pay attention to the required permissions ensuring that they are strictly connected to the service you intend to use. In the event of theft or loss of your device, notify your bank to stop the mobile banking app service.
- For added security, set your device to lock automatically when it enters pause mode and, when possible, enable encryption of the device and memory card.
Useful tips to safely use payment cards
- Keep your card carefully and never with the PIN. Do not communicate the detailed information of your cards to others.
- If you notice unauthorized use of your cards, notify your bank immediately; if you lose or steal it, block it immediately, in order to avoid fraudulent use and contact the police to file a complaint.
- When you are at the bank's ATM (ATM), take some precautions, such as preventing someone from reading your PIN while you type or be distracted by strangers while you are doing business.
Useful tips to safely use e-commerce
- Avoid making online transactions from shared computers or workstations in places that may be unsafe, such as hotels and internet cafés, and at the end of each purchase, remember to log out of the e-commerce site.
- it uses different credentials to authenticate you on different websites and avoids the "automatic saving" of passwords on browsing programs.
- Always evaluate the reviews left by other users about the reliability of the seller you're referring to.
Useful tips to safely use the computer
- Verify that automatic updates of the operating system and other installed software are active. Always keep an antivirus updated and periodically delete cookies (the files that are created when you visit a website) and temporary internet files using the options of your browser.
- Never open attachments or suspicious links, especially in the case of files ending with .exe and do not install software if you are not sure they are reliable.
Do not use external memories of dubious origin; verify the security of these devices by doing the automatic scans provided by the main antivirus at the time of the installation