Digital Transactions Are Becoming Safer, Check Out 5 Essential Steps for Protecting Your Personal Data!

Kapanlagi.com - The digital era is rapidly evolving and significantly impacting daily activities. One of the most felt changes is the innovation in digital payments that makes buying and selling transactions easier. Compared to conventional payments, you no longer need to worry about carrying cash when shopping.

However, don’t forget to always pay attention to the security of personal data when making digital transactions! This is very important so that transactions can be conducted more safely, practically, and comfortably. So, what steps can be taken to protect personal data during digital transactions? Check out the strategies below!

Protecting Personal Data Is Important in Digital Transactions

There are many advantages of digital transactions that can be felt in the modern era like now. Starting from a more practical, efficient, flexible payment process, and much more. To enjoy safe and comfortable transactions, here are some efforts you can try:

- Use a Unique and Complex Password

To protect the security of personal data on your banking account and e-wallet, make sure to use a strong and complex password. Combine the password with uppercase letters, lowercase letters, numbers, and unique symbols or characters. The more complex the password you create, the higher its strength level will be.

In addition, make sure not to use passwords that contain information such as birth dates, family names, places of birth, and common words that are easy to guess. Also, remember to regularly update your account password at least every six months.

- Enable Two-Factor Authentication (2FA)

Additionally, the two-factor authentication (2FA) feature can also enhance security and protection for your personal data. With 2FA, you will be asked to perform a second verification after entering the password on your banking or e-wallet application. This second verification can be in the form of an OTP (One-Time Password) code sent to your phone via text message or email.

- Avoid Sharing Sensitive Personal Data

When you transact online, make sure not to carelessly share sensitive data, such as personal identification (ID number), ID photos, passwords, PIN codes, OTP (One-Time Password) codes, credit card information, transaction history, and others. By taking this step, you can conduct digital transactions comfortably while keeping your personal data secure!

- Avoid Using Public WiFi When Transacting

The next step to protect personal data is to avoid using public WiFi when conducting digital transactions. If you're not careful, your device can be accessed by hackers when using an unsafe or fake public WiFi network. Sensitive data such as login information and passwords stored on your device can fall into the hands of irresponsible parties.

Although public WiFi usually implements security measures, there are still hacking vulnerabilities that should not be taken lightly. That's why you must remain cautious and are advised to avoid important transactions over public WiFi networks.

- Use Official Digital Payments

One of the most effective ways to protect personal data when making digital transactions is to use official digital payment methods, such as bank transfers, virtual accounts, digital wallets, paylater, and QRIS. Also, ensure that the digital transaction service application you use comes from official app stores like the App Store and Play Store.

Avoid using digital transaction applications from third-party sources, as they may be infiltrated by malware, spyware, trojans, and phishing. Using digital transaction service applications from unofficial sources increases the risk of personal data leakage.

SpayLater itself is one of the official digital payments that can be a solution to maintain personal data security during transactions. This is because SpayLater, provided by PT Commerce Finance, already has permits and is supervised by the Financial Services Authority (OJK).

Not only that, but SpayLater as a paylater service provider can also facilitate transactions to be easier and faster because it can be used for both online transactions and offline payments directly at stores or restaurants.

There are various installment tenors offered starting from 1 month, 3 months, 6 months, 12 months, and others. Not stopping there, SPayLater also presents various enticing promotions, such as the SPayLater Pay QRIS promotion with discounts of up to 500K and no handling fees, which will take place from November 18 to December 31, 2024.

By understanding the important steps to protect personal data, you can now conduct digital transactions more comfortably. It's time to be more vigilant and minimize the risk of privacy violations so that digital transactions can remain safe and comfortable! Let's protect your personal data as best as possible!

(kpl/wri)