Lesson 8.5: Cyber Security in Digital Transactions
When using digital payments, it is important to keep your money and personal data safe from fraud and hacking. This is called cyber security.
π 1. What is Cyber Security?
Cyber security means protecting your digital information, devices, and bank accounts from online threats like:
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Hacking
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Phishing
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Malware
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Identity theft
β οΈ 2. Common Digital Frauds
| Type of Fraud | How it Happens |
|---|---|
| Phishing | Fake messages/emails asking for your bank details |
| OTP Fraud | Trick you into sharing One-Time Password |
| Fake Links/Websites | Looks real but steals your information |
| SIM Swap | Criminal gets a copy of your SIM to access OTPs |
π‘οΈ 3. Safety Tips for Secure Transactions
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Never share OTP, UPI PIN, ATM PIN, or passwords
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Use official apps and websites only
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Donβt click on unknown links or attachments
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Use strong passwords and change them regularly
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Enable 2-Factor Authentication (OTP + Password)
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Always logout from banking apps after use
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Avoid using public Wi-Fi for transactions
π 4. Signs of Safe Website
Check for:
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A padlock symbol π in the browser
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URL starting with https:// (not just http://)
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Correct spelling of website domain
π 5. What to Do If You Suspect Fraud
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Immediately inform your bank
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Call customer care or visit branch
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Use Cyber Crime Helpline β 1930
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Report online at: www.cybercrime.gov.in
Stay alert, donβt trust unknown messages, and protect your money and identity while using digital tools.
