Amaqhinga amaqola okudingeka uwagade ngalesi sikhathi samaholidi
INTATHELI YOMBELE
NJENGOBA sekufike isikhathi samaholidi, abathengi kufanele baqaphe kakhulu njengoba amaqola ezodlanga ukuqola abantu.
Ithimba le-Fraud Risk Management eStandard Bank seliqaphele izindlela ezimbalwa ezisetshenziswa ukuqola abantu abasebenzisa imishini ekhipha imali, ikakhulukazi abantu abadala noma abangazazi ezinye izilimi.
Obunye ubugebengu obujwayelekile wukushintsha ulimi kwi-ATM ukudida abantu njengokuveza umbhalo othi “cardless function” ukudidisa amakhasimende. Elinye iqhinga elivamile, ikakhuluka ngezikhathi ezimatasa ezifana nePhasika, i-Black Friday namaholidi kaKhisimusi, wukubhajisa amakhadi noma izinkinombho ze-pin ukuntshontsha ikhadi noma imali.
Inhloko ye-Fraud Risk Management eStandard Bank uNks u-Athaly Khan ucebisa ngokuthi: “Lezi zindlela zenzelwe ukudida abantu nokuthi kube lula emaqoleni ukuntshontsha amakhadi noma imali yabantu.”
Uxwayisa nangokulunguza ehlombe, lapho iqola lilunguza umuntu uma efaka i-pin. “Akusikona kuma-ATM kuphela. Qaphela yonke indawo lapho usebenzisa ikhadi lasebhange khona noma ufaka imininingwane ebucayi.”
UNks uKhan ululeka amakhasimende ukuthi ahlale ebheka izimpawu zama-ATM acushiwe noma imishini yokukhokha esitolo, njengoba kukekubenezigameko zokwenza amakhadi angamawele.
UNks uKhan uthi ngamaholidi kaKhisimusi ukuqola kuyadlanga kubalwa kuma-ATM, ama-credit card ne-vishing. I-vishing yilapho amaqola esebenzisa ucingo ukulutha abantu ukuthi bakhiphe imininingwane yabo njengeyasebhenki noma ama-password.
Kulobu buqola kuvame ukuthi iqola lizenza umuntu was ebhange noma wenkampani yokutshala imali, kwenye inkathi kuthiwa imali yekhasimende isengozini kungcono liyifake kwenye i-akhawunti ukuze “iphephe”.
“Okwenzekayo lapha wukuthi umuntu oqolwayo uthola i-one-time password (i-OTP) bese eyinika iqola, kanti usengene ogibeni lokuqoleka,” kuxwayisa uNks uKhan. “Siluleka amakhasimende ukuthi angalokothi avume nemininingwane yawo noma ngisho umuntu owasebhange lawo,” kusho yena.
Amasu awu-9 okugwema ubuqola kwi-ATM:
- Lalela igazi lakho. Uma i-ATM isolisa, yeka ukukhipha imali uye komunye umshini;
- Khetha izindawo eziphephile: Sebenzisa ama-ATM asezindaweni ezikhanyayo neziphithizayo;
- Qaphela abantu ongabazi: Ungavumi usizo lwabantu ongabazi kwi-ATM. Amaqola avame ukudidisana ukuze antshontshe ikhadi noma imali;
- Vikela i-pin yakho: Hlale ufihle i-pin yakho uma uyifaka futhi uyifake uma kusho umshini. Qaphela umuntu olunguza ehlombe lakho;
- Ikhadi lakho lihlale livikelekile: Ungalokothi ushiye ikhadi lakho lingagadiwe futhi ugcine i-pin yakho ngokuhlukana;
- Nciphisa ukuphatha imali: Gwema ukuphatha imali eningi, ikakhulu ngezikhathi ezimatasa njengamaholidi kaKhisimusi;
- Hlala uqaphile: Unganiki muntu imininingwane yekhadi lakho, i-OTP, noma i-pin ocingweni noma ngomyalezo. Ibhange alisoze likufune lemininingwane. Vala ucingo uma uthola ucingo olunjalo;
- Bhalisela i-My Updates: Qinisekisa ukuthi amakhadi akho abhaliselwe kwi-My Updates ukuze athole izaziso ngemali engenayo noma ephumayo.
- Ungakhulumi: Uma kunomuntu othi uqoliwe, ungalandeli imiyalelo yakhe. Amabhange anezindlela eziqondile zokubhekana nezenzo ezisolisayo
Vala amakhadi alahlekile noma antshontshiwe: Ungenza loku ngokushesha kuma-ATM noma kwi-app yokubhenka.