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How To Protect Your ATM Card Against Phishing

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As electronic payment culture gradually gains traction in the country, so also is e-payment fraud on the rise.
“That is the reason consumers have more responsibility to safeguard their details from phishing and social engineering attackers”, says Mr Dipo
Fatokun, the Director of Banking and Payments System Department of the Central Bank of Nigeria (CBN).
The most common among the e-payment frauds worldwide now is Phishing.
Phishing, according to Wikipedia, an online dictionary, “is the attempt to obtain sensitive information such as usernames, passwords and credit card details( and sometimes, indirectly money) often for malicious reasons, by masquerading as a trustworthy entity in an electronic communication”
The most common method now by these fraudsters is text message to their unsuspecting victims to update their Bank Verfication Number (BVN).
“When somebody sent a text message to you like this: Dear customer, your ATM card has been disabled because your BVN is not complete, please do not respond”, warns Fatokun.
“It may, however, interest you to know that some people have received such text messages and responded, and then lost millions. Most of the frauds that we have witnessed, currently ongoing, is due to lack of knowledge; due to what I would call gullibility.
“People would not ordinarily put their wallets on the table, even it is N1,000 that is there, because it is valuable to them. But people would put their ATM card on the table because they don’t believe that the card is as valuable as the wallet. The wallet contains N1,000ß and the card contains bank account where you have N50,000 or more. Many people have fallen victim because of lack of knowledge.We have that responsibility as account holders to ensure that we maintain confidentiality. Under no circumstance should we disclose the details of your bank accounts; the details of your ATM card. Do not give details.Your bank already has the details.Your banks can not be asking you to give details,” he added.
According to an online platform, Bankrate.com finance/saving, ATMs are under siege now more than ever from skimming. “Skimming, where ATM thieves steal your PIN and account number, using remote devices, is increasing dramatically. Often done by sophisticated crime rings from the Eastern bloc countries, ATM skimming is becoming a high-tech art that’s hard to detect. That’s bad news for consumers. Experts say that losses from skimming are approaching $1 billion. Nearly one in five fraud victims reported having their credit card PIN or debit card ATM PIN information stolen”.
Quoting Robert Vamosi, an analyst handling risk, fraud and security at Javelin Strategy & Research., Bankrate sees ATM skimming continuing to rise.
“Consumers aren’t aware of ATM tampering,” he says. “ATMs have 40 years of trust.”
Skimming isn’t new. It’s been around for at least 10 years. What has changed is that the “technology of the bad guy is getting better and better every year,” says Robert Siciliano, a security expert based in Boston. “It’s up to consumers to watch their own backs.”
Typically, ATM thieves use two devices to capture your PIN and card data. One device sits near where you swipe your card and reads the magnetic stripe on your card with your account number. Even more confusing, the device mimics the card slot. “The technology has evolved to a point where the molded plastic fits like it belongs there,” says Siciliano. Devices are even readily available over the Internet for as little as $300.
A camera, hidden from view, captures the PIN. “You can get the data in real time,” says Siciliano. “You can be in your car with a laptop remotely accessing the device.”
Thieves then burn the data onto a blank card to access your money.
Experts add that debit card users are most at risk. Siciliano adds that thieves carefully orchestrate ATM withdrawals, maxing out cash withdrawals one day and waiting until after midnight for the next stash, which quickly adds up.
However, here are some tips to help you protect your account:
Number one, cover your password with your hand, while accessing ATM .Hidden cameras are disguised so they can pick up your password. By protecting it, ATM thieves can’t access your account.
Two, use familiar ATMs and limit your visits. ATMs in dimly lighted spots or used late at night could be more susceptible to fraud, while ATMs under video surveillance can be safer. ‘Stay away from ATMs at retail stores or restaurants,’ adds Siciliano. Recently, skimming devices were found on ATMs in a popular grocery store in central Florida.
Airports, convenience stores or kiosks are equally vulnerable to ATM thieves.
Still, even highly trafficked ATMs outside a bank branch have been targeted by thieves.
Also, try to limit your visits to the ATM. “With frequency, there’s risk,” says Siciliano.
Check bank balances frequently
Observe the ATM
Vamosi cautions consumers to look at an ATM to make sure a card slot is “legitimate and not tacked on.” Look for things that strike you, he says. “Some people have felt that when they inserted their card, something went awry,” he says. In that case, try another ATM.
When protecting your account against ATM thieves, “it’s all about awareness, paying attention and understanding risks,” says Sicilano. “There are many ATMs and every one of them is susceptible to fraud. The speed and convenience of technology has replaced the security of technology.”

 

Source: Sun

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Health and Food

Avoid These Nigerians Food To Burn Stubborn Belly Fat (Video)

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Being overweight or obese can be detrimental to your health. It is not advisable to have excess fat in the abdominal cavity because it can lead to some health issues. Getting your dream body will not be easy and you need to make some sacrifices to your diet. You will also need to turn a blind eye to some fatty foods.

If you’re ready to get rid of the belly fat, then stay put as Information Nigeria brings you some important tips that will help.

1. Avoid sugar and carbonated drinks

Did you know that consuming sugary substances like coke, fanta can lead to weight gain and a number of health problems like high blood pressure?. This is due to the high fructose content found in added sugars. Taking sugar-filled drinks may slow your metabolism and this in turn can make it harder for your body to burn fat. Fructose can only be metabolized by your liver. When you consume too much, you push your liver to its limit and it becomes overloaded, then it turns the fructose into fat and it ends up getting stored in your belly. To avoid putting yourself from risk, you should cut back on foods and drinks that contain huge amounts of sugar.

 

2. You also have to forgo junk foods like meat pie, cakes, rolls, candies, burgers, ice cream and cookies. You also need to do away with heavy foods like eba, akpu, pounded yam, rice among others. Switch up your eating habits and opt for a more balanced-diet if you want to burn your belly fat. Avoid consuming refined carbs like bread, pizza, potation chips etc. You should also stay away from processed and heavy foods because they contribute to stubborn belly fat. You should choose to eat proteinous foods like fish, eggs, and milk. starch contains fat, sugar and salt. They help a person feel fuller so you don’t end up looking for something to munch on after eating. It basically keeps hunger at bay.

3. Eat the right amount of fruits, vegetables, fibrous foods and whole grains – You can add vegetables, fruits and whole grains to your weight loss diet. They provide essential vitamins, minerals, fiber and other substances that are good for your body. Examples of fibre rich foods include; beans, broccoli, avocados, apples, oatmeal brown rice and whole grain bread.

4. Try to incorporate exercise into your daily or weekly routine – Exercise helps to speed up your metabolism and helps you shed weight. The bitter truth is that wearing just waist trainers and staying put in one position will not make you lose that stubborn belly fat. You should hit the gym.

5 Reduce alcohol intake – Excess intake of alcohol also leads to a host of health problems especially the build-up of fat in the belly area. Have you ever noticed that those who drink alcohol, especially men, often develop ‘pot-bellies’. Alcoholic drinks like beer provide your body with calories and very little nutrients. It can also increase your appetite. Replace the alcoholic drinks with water or alternate with low calorie, non-alcoholic beverages. Too much alcohol can cause liver damage and other serious health problems.

6. Try out apple cider vinegar – Apple cider vinegar is made in a two-step fermentation process. It is obtained from apples that have been crushed, distilled and fermented. Acetic acid is the main active component of apple cider vinegar. It is safe for consumption in small quantities and can be taken as a supplement. Do not also consume it straight from the bottle or in its pure form. Add 1 to 2 tablespoons to water before you drink. You can also add honey or lemon. It is best to drink it before your meals. Research shows it has many health benefits, such as lowering blood sugar levels.

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Entertainment

Williams Uchemba And His Wife Exchange Wedding Vows In Lagos (Video)

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Williams Uchemba and his wife, Brunella Oscar

Williams Uchemba and his wife, Brunella Oscar

Popular Nigerian actor, Williams Uchemba and his wife, Brunella Oscar have officially solemnized their union.

The couple finally exchanged their wedding vows at Dominion city church in Lagos state.

The beautiful wedding ceremony was reportedly officiated by the founder of the church, Dr. David Chukwudi Ogbueli alias Papa Eagle.

Celebrities, fans and well-wishers poured in congratulatory message for the couple after photos and videos from the ceremony hit the internet.

The actor wore a sleek tuxedo, while his bride,  wore a lovely white gown.

Read Also:Actor Williams Uchemba Set To Walk Down The Aisle With Mystery Woman

Watch the videos below:

https://twitter.com/gregorogholi/status/1330121905387540483?s=21

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Entertainment

Actor, Model, Comedian, Philanthropist… Meet The Latest Groom, Williams Uchemba

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Williams Uchemba

Williams Uchemba

Williams Uchemba, who was born on October 22, is an actor, motivational speaker, model, comedian, entrepreneur and philanthropist. The Abia-born thespian graduated with a Bachelor’s Degree in International Relation from the University of Nigeria, Nsukka in Enugu State.

Uchemba began his career in the early 2000s as a child actor and came into the limelight in 2001 after appearing in the Nollywood blockbuster movie, “The Journey of the Dead” along with Olu Jacobs, Ramsey Noah, and Pete Edochie.

Since then, the multi-talented actor never looked back as he has gone ahead to feature in more blockbuster movies like Sugar Rush (2019), Merry Men 2(2019) and Story Story: The African Rideshare (2018). He is the recipient of several awards.

The actor adopted an 18-year-old furniture maker in June and he promised to sponsor his education. He recently got married to his longtime girlfriend, Brunella Oscar at her hometown, Alor in Anambra state. The actor’s wife, Brunella opened up on their love story with Wedding Digest Naija and she disclosed that she made the first move. According to the English trained medical doctor, they both met on Facebook after she sent him a message.

 

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