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Cyber Monday Scams: Stay Vigilant and Protect Yourself from These Sneaky Tricks

 

With the shopping holiday of Cyber Monday just around the corner, Brits are being urged to exercise heightened caution against online scams. The prevalence of online scams has surged in recent years, and scammers have become increasingly adept at defrauding unsuspecting shoppers.

On Friday, Felicity Oswald, the chief of the National Cybersecurity Center (NCSC), cautioned that cybercriminals will be out in full force, intent on "scamming people out of their hard-earned cash."

"The growing availability and capability of technology like large language models is making scams more convincing," she explained.

According to the NCSC, shoppers lost over £10 million to online scams during the festive period last year, which included Black Friday and Cyber Monday. City A.M. spoke to Oz Alashe MBE, a cybersecurity expert and CEO of CybSafe, who shared his top tips for staying safe from online scams during the shopping weekend.

"Cyber Monday is not just a time for bargain hunters; it's also a breeding ground for criminals to prey on financial information and sensitive data," he remarked.

"People need to be equipped with the knowledge and understanding to identify these threats before they cause harm. A crucial aspect of this lies in adopting secure behaviors and implementing effective cyber hygiene practices to safeguard consumers, their friends, and their families."

Here are five of the most common online scams to watch out for:

1. Malicious emails and texts

Cybercriminals exploit major shopping events to bombard people with emails and text messages promoting deals and discounts. When you receive such messages, scrutinize the sender's address. Does it appear legitimate? Only click on links if you are absolutely certain of their authenticity. If not, delete them immediately!

2. Spoofed domains

Criminals create replica websites of legitimate brands to trick shoppers into divulging their financial information.

Always double-check the URL of the websites you visit, and exercise caution with links received via email, text, or social media promotions. If you have doubts, search for the brand online to verify if the advertised deals are available on their official website.

3. Prioritize credit cards over debit cards for purchases

Credit cards offer better fraud protection if your information is compromised, making them a valuable tool against online scams.

If you discover unauthorized charges on your credit card, you should be reimbursed for the entire amount spent, provided you notify your provider promptly.

4. Check return policies and read reviews before purchasing from unfamiliar sites

Scam websites often lack return policies or impose strict return windows. Investigate whether there are reviews mentioning fraud or counterfeit products. If something seems suspicious, trust your instincts and avoid the site.

5. Empower yourself to combat online scams

Educate yourself about the tactics employed by cybercriminals, and then consider how you can enhance your security.

Enable multi-factor authentication on online accounts that offer the service. Create strong, unique passwords. Employ anti-malware and email security solutions, and always maintain backups of your critical data. These practices will significantly strengthen your online security.

What to Look For If Your Phone Is Hacked

 


More frightening is having your phone hacked if you are connected to the internet, just like any other device. It is a well-known fact that smartphones are a particularly tempting target for hackers, as they are any device with access to a large amount of personal information, from banking information to passwords to social media accounts. 

The goal of hackers is to infect your device with Trojans and malware to gain access to it. Cybercriminals monitor your activity and spy on your login data for websites and apps by installing keyloggers on your phone, protecting themselves from your privacy. Some threat actors can even turn hacked phones into cryptominers, which generate cryptocurrency for hackers. This causes the phone to run very slowly because they consume a lot of power.

Hacking a phone enables someone to access and make use of the contents of the phone. In addition, it allows its communication system. It is possible to breach security in advance or listen to your computer's internet connection if it is unsecured. Forced hacking via brute force is another possibility, as well as physical theft of your phone. Many types of phones can be exploited, including Androids and iPhones, and these can all be at risk of being hacked. 

The mobile environment is susceptible to many threats, including malware apps, adware, and spyware. Mobile malware apps and modified versions of existing applications masquerade as genuine gaming applications, crypto mining apps, and messaging applications. They collect account login information, charge users fees for bogus services, and sign them up for premium text services. This is according to the McAfee 2022 Mobile Threat Report. 

As one of the most prevalent types of malware today, the spyware monitors a device's content. It encourages users to share their internet bandwidth, uses botnets to send spam, and captures users' login details when entering them into compromised legitimate apps. As a result of phishing emails and texts regarding phishing links, as well as malicious websites, malware is often downloaded unintentionally and without the user's knowledge. 

Whenever a criminal enters your phone, they gain access to every part of it without you even realizing they have access to it. The text, email, app, contacts, photos, recordings, and videos involved include your private texts. 

An attacker can gain physical access to your phone by physically compromising it through several means. These include malware-loaded charging ports, unlocking your phone, using unsecured Wi-Fi connections, swapping SIM cards, opening Bluetooth connections, and even software weaknesses that could allow a hacker to enter the device. 

Hacking software can cause problems in several ways. This is whether it is physically installed on your phone by hackers or through methods like scammers, phony apps, sketchy websites, and phishing attacks. Here is how it can trouble you: 

Keylogging: When hackers get hold of keylogging, they can use it as a stalking tool that records your phone conversations, the type of text you type, and even the volume you speak to someone.   

In the world of malware, Trojans are a type of malware that can be disguised inside your phone to obtain sensitive information from it. This includes passwords or personal information from your credit card account.  

Like Trojan horses, cryptominers hide on the host machine and operate in the background. After that, it harnesses the device's computing power to mine cryptocurrency using its computing power. Although crypto mining is not illegal in law, it is illegal to "crypto jack" a device without the owner's consent. 

Signs That Prove Your Phone is Hacked

Popups on the screen randomly 

If your device has been hacked, this could be the easiest way to find out if it has been compromised. Your device is compromised by the hacker and he informs you of that fact. These can appear on your main screen, on your apps, or in your browser while you use your phone. 

Unrecognizable apps downloaded or used 

Whenever you notice that you start seeing apps or files on your home screen or subfolders that you have never downloaded before, you might be the victim of a hack. 

Uninitiated calls, texts, or emails from your phone 

There is a possibility that you have been hacked if you see calls or texts you did not make or send out. A robocall spoofing your number could be the cause of this. In the case of incoming emails and text messages, however, the hacker who controls your phone remotely is most likely targeting your phone remotely.

Data usage is high 

To confirm if your phone has been hacked, you should not change the way you use it recently. The fact that your phone seems to consume excessive data may be caused by a hack. Data is often sucked back into hacker possession by malware, spyware, or viruses to increase the effectiveness of their service. 

Battery drainage 

As long as you are using the phone normally and have not made any recent changes to the software for your operating system, such as updating your operating system, you should be fine. Your phone may have been hacked. If, however, the battery drains faster than usual. A phone's simple operating system is heavily dependent upon the power consumed by malware, spyware, and viruses that run in the background on the phone. 

Apps open and close without warning 

There should be no issues with your apps opening, closing, or malfunctioning unless you have not updated your operating system or apps. 

The operating system and other legitimate apps can sometimes become unresponsive due to malware, viruses, and spyware. 

How to stop someone from hacking your phone 

Delete suspicious apps 

There are many ways to install malware on your phone when downloading a suspicious app from the app store. 

Ensure that any apps you have recently downloaded were developed by a reputable developer and rated positively by users. Do not keep them on your phone if they do not meet your requirements. 

Run anti-malware software 

A popular piece of software that detects and targets malware hiding on your mobile device is called anti-malware software. It is recommended that you run this regularly, but if you have not done so before, now would be a good time to start doing it. 

Reset your phone 

With a factory reset of your phone, you can remove most malware from your device. However, the action will wipe all data stored on your device, including photos, notes, and contacts, which will be irrevocable. Backing up your device's data is very critical before resetting it and is a must.

The presence of malware, spyware, or viruses in the background can hide in plain sight. This can compromise enough data to remain unnoticed for some time.