Anti-Fraud Checklist When Transacting with Digital Wallets, Let's Secure Your Balance!

Kapanlagi.com - In this all-digital era, digital wallets have become loyal companions for various transaction needs because they are more practical, fast, and there's no need to hassle with cash. Just bring your smartphone, and you can scan here and there for daily transaction convenience.

But this convenience also comes with new challenges. Cybersecurity has become a serious concern as more and more scams target digital wallet users. Don't let yourself become a victim! Let's take a look at the following anti-fraud checklist to keep your digital wallet balance safe.

Always Protect Your Personal Data such as NIK, Email Address, and Phone Number

Personal data is the main key that connects you to your digital wallet account. Information such as NIK, email address, and phone number often become easy targets for digital criminals. If this data leaks, there is a high possibility that your account could be accessed by irresponsible parties.

Therefore, never share your personal data carelessly on social media or with parties whose identities are unclear. Make sure you only fill in your personal data on trusted official applications or websites. Remember, the more you protect your personal data, the lower the risk of your digital wallet being misused.

Activate Additional Security Features, such as PIN and Biometric

A digital wallet account without extra security layers is like a house without a lock. Activate security features like PIN and biometrics (fingerprint or face recognition) so that only you can access the account. With this feature, even if your phone falls into someone else's hands, your account remains protected.

Don't forget to regularly change your PIN and ensure that it is not easily guessed, such as your birth date or sequential numbers. Activating additional security features is a simple yet very important step in keeping your balance safe.

Beware of the Increasing Digital Wallet Scam Modes

Scammers are getting smarter, and their tactics are becoming more varied. Ranging from promises of prizes, fake event invitations, to impersonating customer service. They may ask you to share OTP codes, click suspicious links, or even download harmful applications.

Don't easily trust messages or calls claiming to be from the digital wallet provider. Always verify information through official channels. And most importantly, never share your PIN or OTP with anyone. This is the key to your account that should not be known by others.

Use a Digital Wallet Application with Advanced Security Features

Not all digital wallets are created with the same protection system. Make sure you are using an application that has the best security features, such as DANA which has DANA Protection. This feature is designed to provide layered protection for DANA users.

With DANA Protection, you will feel more at ease when transacting because there is extra protection on standby. In fact, if something unexpected happens like your balance disappearing without your knowledge, DANA provides 100% Money-Back Guarantee that can be claimed according to the applicable terms.

If your DANA balance suddenly disappears and you don't remember making any transactions, don't panic. As long as you meet the requirements, you can recover 100% of the lost balance. This guarantee applies in conditions such as lost phone, DANA account takeover, or pending transactions.

However, to claim this guarantee, there are several requirements that must be met:

- Must be a DANA Premium user.

- Have activated DANA VIZ and never shared your PIN or OTP.

- Reports must be submitted within 60 days after the incident.

- Claims cannot be processed if there is proven negligence on the part of the user, and there is insufficient evidence.

If you experience a balance loss issue, just follow these steps to claim DANA Protection:

- Tap DANA Protection on the DANA app Home screen.

- Read the details of the protection provided by DANA Protection.

- Tap the DIANA button (DANA virtual assistant).

- Clearly report the issues you are experiencing.

- Submit transaction details and supporting documents to expedite the claim process.

- Check the progress of your claim regularly directly on DIANA.

This claim process is designed to make you feel calm and protected while transacting. Make sure to keep proof of transactions and do not delay reporting any issues.

Digital wallets are indeed practical, but they still need to be used wisely. Don’t let this convenience make you complacent and fall victim to fraud. By following the anti-fraud checklist above, you can transact more safely, comfortably, and peacefully.

Come on, hurry up download or update your DANA application now for the comfort of making digital transactions!

(adv/wri)