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How to Protect Yourself From Online Fraud

Rockhampton: Cybercrime Awareness

Let’s take a moment to think about your online activities today. Did you settle any bills? Check your bank account? Maybe you scrolled through social media or tackled a few emails. Perhaps you even used your phone for a quick payment at a store or on public transport.

We’re all heavily connected, which isn’t inherently negative. But this convenience comes with a catch: the rising threat of cybercrime, and many Australians may not be prepared for it.

The Australian Cybersecurity Centre has reported over 87,000 cases of cybercrime between 2023 and 2024—roughly one every six minutes. And that’s only what’s been officially reported; many might not even realize they’ve been targeted until it’s too late.

This year, Scamwatch, operated by the Australian Competition and Consumer Commission, revealed that Australians lost an astonishing $319 million to scams in 2024 alone. In one instance, hackers exploited stolen credentials to breach several major superannuation funds, siphoning off about $500,000 in retirement savings.

A significant part of this ongoing issue seems to stem from poor digital hygiene. So, let’s discuss five simple ways you can improve yours.

What Does “Digital Hygiene” Mean?

Think of digital hygiene like brushing your teeth; it’s about keeping your online presence clean and secure to protect yourself from harm.

The concept is pretty straightforward: the healthier your online habits, the tougher it will be for scammers and hackers to ensnare you or access your personal data.

It’s about being mindful of what you share, whom you trust, and how your devices are configured. Yet, honestly, many of us pay more attention to our bathroom hygiene than our online practices.

How to Safeguard Yourself?

Good news: You don’t need to be a tech expert to keep your online space secure. Here are five practical steps anyone can adopt:

1. Think Before You Click

Have you ever received a random message from your bank asking for account verification? Or a text saying you missed a parcel delivery with a suspicious link? Scammers thrive on urgency. Don’t rush to click immediately. Pause for a moment.

Ask yourself: Was this expected? Is the sender’s information legitimate? Avoid clicking on dubious links; instead, navigate directly to the official website or app.

2. Use Strong, Unique Passwords

Using a simple password like your pet’s name or “123456” won’t cut it. Moreover, recycling passwords across different sites can lead to credential stuffing attacks, where a breach on one site enables hackers to access others using the same password.

Your best bet? Utilize a Password Manager to create unique passwords and update any reused ones, prioritizing your most sensitive accounts like email and banking first.

3. Enable Multifactor Authentication

Multifactor authentication (MFA) adds an extra layer of security beyond just your password. It can involve codes sent to your phone or apps like Google or Microsoft Authenticator, making it much harder for someone to breach your accounts.

Even if someone figures out your password, they won’t get through without that second authentication factor.

4. Keep Your Apps and Devices Updated

Yes, software updates can be annoying, but they are essential. They often fix security vulnerabilities hackers can exploit. If you can, enable automatic updates and don’t ignore prompts, especially for your operating system.

While keeping older devices can promote sustainability, remember that outdated devices may stop receiving essential security updates, which raises risks.

5. Be Cautious About What You Share

Oversharing on social media can make you a target for scammers. Public posts that reveal birthdays, names of pets, or schools can help malicious actors guess your security questions or fabricate convincing messages. Think carefully—do strangers really need to know this information?

What to Do If You’re Hacked?

If you suspect you’ve been compromised, check if your password has been leaked using tools like Have I Been Pwned. If you determine you have been hacked, follow the guidelines provided by Australia’s Cybersecurity Centre, such as changing all your passwords and scanning your device for malware.

Need more resources? Check esafety.gov.au for practical advice tailored to parents, teachers, and young people.

Maintaining digital hygiene isn’t just an individual task; it’s a collective responsibility. In our connected world, one weak link can jeopardize everyone. Discuss these risks with your family and friends. The more we communicate about this, the more normalized and effective our digital hygiene practices will become.

Just as frequent handwashing during the pandemic became second nature, keeping your online life secure should transform into a habitual practice, not just an afterthought.

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