Eight Things to Know About Cybersecurity in Nigeria: Staying Safe in a Digital World
By Hajara Bisola Abdullahi
As digital transactions become more common in Nigeria, the risk of cyber threats, particularly card theft, is rising. Here are eight key points to help you understand and protect yourself from cyber fraud:
1. What is Cyber Fraud?
Cyber fraud involves criminals using the internet or phones to trick or steal from you. It’s like traditional fraud but happens online. Common examples include phishing, skimming, and malware attacks. Understanding cyber fraud is the first step to protecting yourself.
2. What is Cybersecurity?
Cybersecurity is protecting your devices, data, and online accounts from cybercriminals. Think of it as a digital lock, alarm system, and guard dog for your online life. It’s essential for safeguarding your finances and personal information.
3. How Card Theft Happens
Cybercriminals use various methods to steal card information:
-Phishing: Fake emails, texts, or social media messages trick you into revealing card details.
-Skimming: Devices on ATMs or POS terminals capture your card data.
-Malware: Harmful software steals your passwords and card details.
-Data Breaches: Hackers access large databases to steal customer information.
-Online Fraud: Fake websites or shops trick you into entering card details.
4. How to Protect Yourself
Here are practical steps to stay safe:
-Be cautious of suspicious messages: Never share personal information via email, text, or call.
-Use strong passwords: Create unique, complex passwords for online accounts.
-Secure your devices: Install antivirus software and keep it updated.
-Check ATMs and POS terminals: Look for signs of tampering before use.
-Monitor your accounts: Regularly review bank statements and set up transaction alerts.
-Shop safely online: Use reputable websites with secure payment gateways.
-Enable two-factor authentication (2FA): Add an extra layer of security to your accounts.
-Avoid public Wi-Fi: Don’t use unsecured networks for sensitive transactions.
5. Keep Your Card Information Private
Never share your card details, PIN, or CVV with anyone. Avoid writing down or storing this information insecurely. Always ensure your bank has your updated contact information to notify you of suspicious activity.
6. What to Do if Your Card is Stolen
If you suspect card theft, act quickly:
-Contact your bank: Report the theft and block your card immediately.
-Change your passwords: Update passwords for banking and other critical accounts.
-Monitor your accounts: Watch for unauthorized transactions.
-Report to authorities: Notify the police and cybercrime agencies.
-File a dispute: If unauthorized transactions occur, work with your bank to recover funds.
7. The Role of Awareness
Staying informed about cyber threats is crucial. Regularly educate yourself on the latest scams and security practices. Knowledge is your best defense against cybercriminals.
8. Conclusion: Shared Responsibility
Protecting yourself from card theft is a shared responsibility. By practicing safe online habits, staying vigilant, and using the tools available, you can reduce your risk and enjoy the convenience of digital transactions without compromising your security.
In a rapidly digitizing Nigeria, cybersecurity awareness is more important than ever. Stay informed, stay safe, and protect your digital life.
Hajara Bisola Abdullahi is a computer science graduate. She can be contacted on bisolahajarat7@gmail.com
