Sunday 16 December 2018

Moonfire Circus


Voices speaking from the piano's soul  
Is reaching out for anyone to be heard  
It's a simple composition  
Full of sounds with not a single word  
The signpost says "Hurry! Before it's too late!"  
But the eyes of the many won't reciprocate  
   
There is a skull to remind us all  
That our lives will leave soon  
For castled dreams and sunbeams  
For those with a good attitude  
A fortnight of passion to wrangle peaceful whims  
So tear up the contract and then we'll begin  
   
Read the banner and you'll  
Know where I got my name  
Several miles high we can see  
Exactly where they came  
Waste me in reason  
'Cos you know it's plain to see  
We never got as far  
As we really wanted to be  
   
And so now the circus begins    
She said "This ain't a sin  
From day to day it can change  
It'll pass in the picture frame."  
   
Born in a house  
Of esoterical thoughts  
The voiceless are many  
A plan has been bought  
They're dreaming in comfort  
To help heal the wounds  
The treasures are many  
And ours will come soon

Wednesday 5 December 2018

How Safe Is Online Banking on a Mobile Phone?

So, how safe is mobile banking? It all depends on how cautious and well-informed you are.

Hackers exploit weak passwords and vulnerabilities of public Wi-Fi to infect devices with malware. However, most mobile banking attacks happen through social engineering – when users are manipulated to give up their usernames and passwords to hackers, scammers and other cybercriminals.

Social engineering techniques range from phone calls, malware links, phishing websites to more advanced (and less frequent) attacks like phony banking apps. It’s much easier to fall for a scam than you think, and the best defense against them is knowledge. Here are some tips for safe mobile banking:

1. Don’t lose your phone

The biggest security threat of your mobile phone is also its greatest asset – its size. Phones are small, handy, beautiful, and easy to lose.

Losing a phone is as heartbreaking as losing a part of yourself, but it gets even worse. If someone who found or stole your phone uses it to access your bank account, you could lose much more.

A strong password (made of a random string of lowercase and uppercase letters, numbers, and symbols, at least six characters long) is the most secure way to lock your phone.

If you are afraid to forget the password, use a PIN key (something more difficult and unique than 1111) or a pattern lock with biometric identification, which can be:
  • Facial recognition – convenient but not secure, since it can sometimes be bypassed with a photograph.
  • Iris scanning – the pattern of your iris is unique and can’t be replicated with a simple photo.
  • Fingerprints – low false-acceptance rates, perfect if you don’t often wear gloves.
Iris scanning or fingerprint identification with a strong PIN will grant you easy and secure access to your phone.

Never leave your phone unattended. Install an anti-theft and recovery app that can locate your phone, lock it remotely, or even wipe your data if it gets stolen.

As a final layer of security, always log out from your banking app after you finish your operations.

2. Use the official banking app, not the browser

The second biggest security threat concerns the banking app. If you aren’t careful, you could download a fake banking app created by scammers to break into your account.

Make sure your bank created or approves of the app you are downloading. Get it from their website. Moreover, do not use mobile browsers to log in to your bank account – they are less secure than bank-sanctioned apps.

Finaly, before downloading any app to your phone, you should research the developer, read the reviews, check the app rating on Google Play or App Store. Poorly designed or malicious third-party apps could use your username and password to access your bank account and empty or monitor it.

3. Don’t just follow any link you see

You pick up your phone, open up the email app, and notice that your bank sent you an announcement about a new service. The letter ends, “You can save up to a thousand dollars per year! For more details, follow this link.” You click it, go to the landing page, log in, but some error occurs, and you are disconnected from the website.

You just gave your username and password to a scammer.

The email you got was not from your bank, but from scammers pretending to be your bank. You would have noticed it had you checked the sender details more carefully. The landing page was actually a clone made to look like your bank’s website. When you entered your password, you handed your data straight to cybercriminals.

Always check the URL and domain of any link you are about to click on, especially if it claims to be from your bank. If it looks suspicious – avoid it. The same applies to SMS messages or messages and links on social media.

Never send your username or password via email, social media or text message. If you did – change the password immediately.

4. Don’t use mobile banking on public Wi-Fi

Anyone on a public Wi-Fi network is in danger of a security breach. Most of these networks lack basic security measures and have poor router configurations and weak passwords. Mobile banking or any other activity that exposes your sensitive data should never be done on public Wi-Fi.

If a hacker is monitoring the public Wi-Fi or hotspot you are using, they could intercept the data being transferred to and from your phone and use it to access your banking account.

If you are scrolling in a library or a coffee shop and you need to access your bank account, use your cellular network instead. It’s not perfect, but it’s better than public Wi-Fi. Better yet, turn on a VPN and use public Wi-Fi without the risk of compromising your personal data. A VPN encrypts your web traffic, making it extraordinarily difficult to intercept and decipher.

Is Mobile Banking Safe on Android?

Since the Android platform allows its users more flexibility, it also leaves more security holes than iOS systems. Minimize your risks by downloading apps only from Google Play and update them in a timely manner.

Go to your Android settings and make sure that you have turned on Google Play Protect, which scans your apps for suspicious behavior. You can also use the Find My Device setting, which lets you find, ring, lock, or even wipe your device from afar.

Go through the apps you’ve downloaded and installed on your phone and delete the ones you do not need or use – each represents an unnecessary potential vulnerability. Old apps may also be poorly supported or have security holes or malware. A clean and tidy Android system is likely to be a secure one.

Is Mobile Banking Safe on iPhone?

Banking apps on iOS tend to be secure thanks to the rigorous standards of the App Store. The most vulnerable iOS systems are those that have been jailbroken.

Jailbreaking means cracking the standard settings of an iOS system so that you can modify your phone in ways that Apple does not allow. With a jailbroken phone, you can install apps not authorized by Apple, and you can also remove the security protocols that Apple has built into the device. Jailbreaking also voids the warranty, so you won’t get support from Apple when you might need it most.

If you are just a regular iOS user, you should never jailbreak your iPhone. Only use apps from the App Store, which are usually safe. Malware may bypass Apple’s defenses once in a while so you should always be careful, but they certainly catch many potential threats.

Final Thoughts

Is it safe to use mobile banking apps? Yes. Download the official banking app, update it constantly, use a VPN with a public Wi-Fi, and keep your phone close by!

However, that doesn’t make you completely safe from scams, malware attacks, and hacking. Your common sense is the last line of defense. A victim of mobile banking breaches will usually be someone who does not take their security seriously.