How to stay safe when paying with your smartphone – Lee’s Summit Tribune
October 16, 2021
By Burton Kelso
The technology expert
Convenience has always been king, which has led to an increase in the use of cashless payment methods such as Apple Pay, Google Pay, PayPal, and Venmo. However, with the convenience of cashless payments, there is a certain set of risks. I know many of you may have a bit of reluctance to use cashless transactions, but the truth is, these apps are safe if used correctly. One of the misconceptions is that someone can hack your device and gain access to your money, but that’s not entirely true. If you want to know how to keep your cashless transactions safe, check out these quick and easy tips to protect your money and information.
Using cashless services is more secure than real credit card transactions because these services do not provide the merchant with credit card numbers, but there are some steps you should take to keep your transactions safe:
- Use different passwords for all of your online accounts. It is very important that you keep your passwords strong and different for all of your online accounts. When using money apps, using different passwords ensures that if one of your accounts is compromised, not all of them will be compromised because you are using different passwords.
- Enable two-factor authentication on all your money apps. Two-factor or two-step authentication is a process by which you allow your money app to send you an alert whenever you log in from a different location or if a criminal obtains your information. The first step is to enter your password, the second step is to authenticate who you really are. Authentication will be in the form of an e-mail or an SMS on your smartphone. Two-factor authentication provides an additional layer of protection to keep your account secure.
- Use a password manager for your applications. It’s hard to keep track of all of your passwords online, so one of the best things you can do is activate a password manager for your money apps. Password managers come in many forms. You can download LastPass to keep track of all your app passwords. If you do not want to download another application, your smartphone, tablet offers you the possibility to save passwords on your devices. A lot of people wonder if this is a safe method, it’s as long as you make sure you keep your phone protected, which leads to …
- Make sure your password protects your phone and mobile devices. Think about all the information cybercriminals could get if they had access to your smartphone. They have access to your banking services, credit cards and other applications containing your financial data. Your smartphone or other mobile device is automatically encrypted when you put a password on it. So make sure you take that extra step. Also, it makes sense in modern smartphones. Facial recognition and fingerprint identification are an easy way for you to keep your phone locked and not allow access to your device.
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