Avoiding Scams When You Switch to Digital Payments
Photo source: openverse, EP Technology, Flickr
Digital payments can make everyday life easier. Instead of carrying cash or visiting a bank, you can pay bills, shop online and transfer money using your phone or computer. For older New Zealanders, learning how to use digital payments safely can provide greater convenience while helping protect personal information and money.
However, scams can happen when using online banking, payment apps and other digital services. Knowing what to watch for is an important part of staying safe.
One common warning sign is an unexpected message asking you to make a payment or provide banking information. A scammer may pretend to be from your bank, a delivery company, a government agency or another trusted organisation. The message may claim there is a problem with your account and encourage you to act quickly.
Be cautious about clicking links in unexpected emails or text messages. Instead, contact the organisation using a phone number or website you already know is genuine. Avoid relying on contact details provided in a suspicious message.
When making digital payments, check the recipient and payment details carefully before confirming the transaction. Scammers may use convincing stories to persuade people to send money to an incorrect account. If you are unsure about a payment, take your time and seek advice from someone you trust.
Strong passwords can also help protect online accounts. Use different passwords for important accounts and avoid sharing them with other people. Where available, consider using two-step verification, which provides an additional layer of security when signing in.
It is also important to keep your phone, tablet and computer updated. Software updates can include security improvements that help protect your device from threats.
Remember that legitimate organisations generally will not ask you to reveal passwords, PINs or security codes through unexpected messages or calls. If something feels unusual, stop and check before taking action.
Switching to digital payments does not mean you need to become an expert in technology. By taking a few simple precautions, checking payment details and being cautious with unexpected requests, seniors can enjoy the convenience of digital payments while reducing the risk of scams.
