Today, online transactions have become an integral part of everyday life, from shopping for clothes to electronics, everything can be done quickly and easily through the internet. However, with this convenience comes significant risk.
That’s why it’s important to know how to protect yourself when making online transactions. Through the #AwasModus initiative, BCA encourages increased vigilance to identify and adeptly recognize the various fraud methods that frequently occur.
Trends in Online Transaction Fraud
Social media platforms have evolved into fertile grounds for fraudsters to perpetrate their schemes. They usually offer attractive products/services at competitive prices. However, subsequent to the transaction, the goods are never delivered.
moreover, one prevalent scam in e-commerce involves coaxing individuals to conduct transactions outside the official e-commerce platform. This practice poses a considerable risk, for the e-commerce payment system is meticulously structured to protect customers. Engaging in transactions outside the platform strips customers of this protective shield.
How to Distinguish Between a Legitimate Seller and a Scammer
It can be difficult to tell the difference between a genuine seller and a scammer. However, there are some signs you can watch out for. Legitimate sellers usually have a good reputation and positive testimonials, and they use authorized payment systems. On the other hand, scammers often avoid asking detailed questions about the product and may pressure you to make an immediate payment.
If this has happened to you, report it immediately to the bank and e-commerce. Keep all transaction evidence, such as transfer receipts, communication with the seller, and screenshots of the product offerings. Providing a quick and comprehensive report can help authorities take the necessary action
Tips for Safe Online Shopping
Here are some tips to ensure a safe and secure online shopping experience.
- Always make transactions through authorized e-commerce platforms that have integrated payment systems.
- Before making a purchase, take the time to review ratings and feedback from other buyers. Select an online store with the best ratings and reviews.
- If the seller insists on making a transaction outside the e-commerce system, consider it a red flag.
- Don’t hesitate to ask for more detailed information about the product and the seller’s identity.
- For added security, enable the One-Time Password (OTP) feature and double verification for every transaction.
- If an offer seems too good to be true, it probably is.
- Always keep proof of payment and communication with the seller.
When engaging in online transactions, staying alert is the first step for protecting yourself from fraud. Avoid falling for tempting offers without careful consideration.
If you believe you have been a victim of fraud, do not hesitate to take immediate action. Contact Halo BCA at 1500888 or through the haloBCA app for assistance and further information.