cybersafety

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Are Cash Transfer Apps Safe to Use? Here’s What Your Family Needs to Know

Are Cash Transfer Apps Safe to Use? Here’s What Your Family Needs to Know

cash appsI can’t recall the last time I gave my teenage daughter cash for anything. If she needs money for gas, I Venmo it. A Taco Bell study break with the roommates? No problem. With one click, I transfer money from my Venmo account to hers. She uses a Venmo credit card to make her purchase. To this mom, cash apps may be the best thing to happen to parenting since location tracking became possible. But as convenient as these apps may be, are they safe for your family to use?

How do they work?

The research company, eMarketer, estimates that 96.0 million people used Peer-to-Peer (P2P) payment services this year (that’s 40.4% of all mobile phone users), up from an estimated 82.5 million last year.

P2P technology allows you to create a profile on a transfer app and link your bank account or credit card to it. Once your banking information is set up, you can locate another person’s account on the app (or invite someone to the app) and transfer funds instantly into their P2P account (without the hassle of getting a bank account number, email, or phone number). That person can leave the money in their app account, move it into his or her bank account, or use a debit card issued by the P2P app to use the funds immediately. If the app offers a credit card (like Venmo does), the recipient can use the Venmo card like a credit card at retailers most anywhere. 

Some of the more popular P2P apps include Venmo, Cash App, Zelle, Apple Pay, Google Wallet, PayPal.me, Facebook Messenger, and Snapcash, among others. Because of the P2P platform’s rapid growth, more and more investors are entering the market each day to introduce new cash apps, which is causing many analysts to speculate on need for paper check transactions in the future.

Are they safe?

While sending your hard-earned money back and forth through cyberspace on an app doesn’t sound safe, in general, it is. Are there some exceptions? Always. 

Online scam trends often follow consumer purchasing trends and, right now, the hot transaction spot is P2P platforms. Because P2P money is transferred instantly (and irreversibly), scammers exploit this and are figuring out how to take people’s money. After getting a P2P payment, scammers then delete their accounts and disappear — instantly

In 2018 Consumer Reports (CR) compared the potential financial and privacy risks of five mobile P2P services with a focus on payment authentication and data privacy. CR found all the apps had acceptable encryption but some were dinged for not clearly explaining how they protected user data. The consumer advocacy group ranked app safety strength in this order: Apple Pay, Venmo, Cash App, Facebook Messenger, and Zelle. CR also noted they “found nothing to suggest that using these products would threaten the security of your financial and personal data.”

While any app’s architecture may be deemed safe, no app user is immune from scams, which is where app safety can make every difference. If your family uses P2P apps regularly, confirm each user understands the potential risks. Here are just a few of the schemes that have been connected to P2P apps.

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Potential scams

Fraudulent sellers. This scam targets an unassuming buyer who sends money through a P2P app to purchase an item from someone they met online. The friendly seller casually suggests the buyer “just Venmo or Cash App me.” The buyer sends the money, but the item is never received, and the seller vanishes. This scam has been known to happen in online marketplaces and other trading sites and apps.

Malicious emails. Another scam is sending people an email telling them that someone has deposited money in their P2P account. They are prompted to click a link to go directly to the app, but instead, the malicious link downloads malware onto the person’s phone or computer. The scammer can then glean personal information from the person’s devices. To avoid a malware attack, consider installing comprehensive security software on your family’s computers and devices.

Ticket scams. Beware of anyone selling concert or sporting event tickets online. Buyers can get caught up in the excitement of scoring tickets for their favorite events, send the money via a P2P app, but the seller leaves them empty-handed.

Puppy and romance scams. In this cruel scam, a pet lover falls in love with a photo of a puppy online, uses a P2P app to pay for it, and the seller deletes his or her account and disappears. Likewise, catfish scammers gain someone’s trust. As the romantic relationship grows, the fraudulent person eventually asks to borrow money. The victim sends money using a P2P app only to have their love interest end all communication and vanish.  

P2P safety: Talking points for families

Only connect with family and friends. When using cash apps, only exchange money with people you know. Unlike an insured bank, P2P apps do not refund the money you’ve paid out accidentally or in a scam scenario. P2P apps hold users 100% responsible for transfers. 

Verify details of each transfer. The sender is responsible for funds, even in the case of an accidental transfer. So, if you are paying Joe Smith your half of the rent, be sure you select the correct Joe Smith, (not Joe Smith_1, or Joe Smithe) before you hit send. There could be dozens of name variations to choose from in an app’s directory. Also, verify with your bank that each P2P transaction registers.

Avoid public Wi-Fi transfers. Public Wi-Fi is susceptible to hackers trying to access valuable financial and personal information. For this reason, only use a secure, private Wi-Fi network when using a P2P payment app. If you must use public Wi-Fi, consider using a Virtual Private Network (VPN).

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Don’t use P2P apps for business. P2P apps are designed to be used between friends and include no-commercial-use clauses in their policies. For larger business transactions such as buying and selling goods or services use apps like PayPal. 

Lock your app. When you have a P2P app on your phone, it’s like carrying cash. If someone steals your phone, they can go into an unlocked P2P app and send themselves money from your bank account. Set up extra security on your app. Most apps offer PINs, fingerprint IDs, and two-factor authentication. Also, always lock your device home screen.

Adjust privacy settings. Venmo includes a feed that auto shares when users exchange funds, much like a social media feed. To avoid a stranger seeing that you paid a friend for Ed Sheeran tickets (and won’t be home that night), be sure to adjust your privacy settings. 

Read disclosures. One way to assess an app’s safety is to read its disclosures. How does the app protect your privacy and security? How does the app use your data? What is the app’s error-resolution policy? Feel secure with the app you choose.

We’ve learned that the most significant factor in determining an app’s safety comes back to the person using it. If your family loves using P2P apps, be sure to take the time to discuss the responsibility that comes with exchanging cash through apps. 

The post Are Cash Transfer Apps Safe to Use? Here’s What Your Family Needs to Know appeared first on McAfee Blogs.

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3 Things You [Probably] Do Online Every Day that Jeopardize Your Family’s Privacy

3 Things You [Probably] Do Online Every Day that Jeopardize Your Family’s Privacy

3 Things You [Probably] Do Online Every Day that Jeopardize Your Family’s PrivacyEven though most of us are aware of the potential risks, we continue to journal and archive our daily lives online publically. It’s as if we just can’t help it. Our kids are just so darn cute, right? And, everyone else is doing it, so why not join the fun?

One example of this has become the digital tradition of parents sharing first-day back-to-school photos. The photos feature fresh-faced, excited kids holding signs to commemorate the big day. The signs often include the child’s name, age, grade, and school. Some back-to-school photos go as far as to include the child’s best friend’s name, favorite TV show, favorite food, their height, weight, and what they want to be when they grow up.

Are these kinds of photos adorable and share-worthy? Absolutely. Could they also be putting your child’s safety and your family’s privacy at risk? Absolutely.

1. Posting identifying family photos

Think about it. If you are a hacker combing social profiles to steal personal information, all those extra details hidden in photos can be quite helpful. For instance, a seemingly harmless back-to-school photo can expose a home address or a street sign in the background. Cyber thieves can zoom in on a photo to see the name on a pet collar, which could be a password clue, or grab details from a piece of mail or a post-it on the refrigerator to add to your identity theft file. On the safety side, a school uniform, team jersey, or backpack emblem could give away a child’s daily location to a predator.

Family Safety Tips
  • Share selectively. Facebook has a private sharing option that allows you to share a photo with specific friends. Instagram has a similar feature.
  • Private groups. Start a private Family & Friends Facebook group, phone text, or start a family chat on an app like GroupMe. This way, grandma and Aunt June feel included in important events, and your family’s personal life remains intact.
  • Photo albums. Go old school. Print and store photos in a family photo album at home away from the public spotlight.
  • Scrutinize your content. Think before you post. Ask yourself if the likes and comments are worth the privacy risk. Pay attention to what’s in the foreground or background of a photo.
  • Use children’s initials. Instead of using your child’s name online, use his or her initials or even a digital nickname when posting. Ask family members to do the same.

2. Using trendy apps, quizzes & challengesfamily privacy

It doesn’t take much to grab our attention or our data these days. A survey recently conducted by the Center for Data Innovation found that 58 percent of Americans are “willing to share their most sensitive personal data” (including medical and location data) in return for using apps and services.

If you love those trendy face-morphing apps, quizzes that reveal what celebrity you look like, and taking part in online challenges, you are likely part of the above statistic. As we learned just recently, people who downloaded the popular FaceApp to age their faces didn’t realize the privacy implications. Online quizzes and challenges (often circulated on Facebook) can open you up to similar risk.

Family Safety Tips

  • Slow down. Read an app’s privacy policy and terms. How will your content or data be used? Is this momentary fun worth exchanging my data?
  • Max privacy settings. If you download an app, adjust your device settings to control app permissions immediately.
  • Delete unused apps. An app you downloaded five years ago and forgot about can still be collecting data from your phone. Clean up and delete apps routinely.
  • Protect your devices. Apps, quizzes, and challenges online can be channels for malicious malware. Take the extra step to ensure your devices are protected.

3. Unintentionally posting personal details

Is it wrong to want an interesting Facebook or Instagram profile? Not at all. But be mindful you are painting a picture with each detail you share. For instance: It’s easy to show off your new dog Fergie and add your email address and phone number to your social profile so friends can easily stay in touch. It’s natural to feel pride in your hometown of Muskogee, to celebrate Katie Beth‘s scholarship and Justin‘s home run. It’s natural to want to post your 23rd anniversary to your beloved Michael (who everyone calls Mickey Dee) on December 15. It’s also common to post about a family reunion with the maternal side of your family, the VanDerhoots.

family privacyWhile it may be common to share this kind of information, it’s still unwise since this one paragraph just gave a hacker 10+ personal details to use in figuring out your passwords.

Family Safety Tips

  • Use, refresh strong passwords. Change your passwords often and be sure to use a robust and unique password or passphrase (i.e., grannymakesmoonshine or glutenfreeformeplease) and make sure you vary passwords between different logins. Use two-factor authentication whenever possible.
  • Become more mysterious. Make your social accounts private, use selective sharing options, and keep your profile information as minimal as possible.
  • Reduce your friend lists. Do you know the people who can daily view your information? To boost your security, consider curating your friend lists every few months.
  • Fib on security questions. Ethical hacker Stephanie Carruthers advises people who want extra protection online to lie on security questions. So, when asked for your mother’s maiden name, your birthplace, or your childhood friend, answer with Nutella, Disneyland, or Dora the Explorer.

We’ve all unwittingly uploaded content, used apps, or clicked buttons that may have compromised our privacy. That’s okay, don’t beat yourself up. Just take a few hours and clean up, lockdown, and streamline your social content. With new knowledge comes new power to close the security gaps and create new digital habits.

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7 Questions to Ask Your Child’s School About Cybersecurity Protocols

7 Questions to Ask Your Child’s School About Cybersecurity Protocols

7 Questions to Ask Your Child’s School About Cybersecurity ProtocolsJust a few weeks into the new school year and, already, reports of malicious cyberattacks in schools have hit the headlines. While you’ve made digital security strides in your home, what concerns if any should you have about your child’s data being compromised at school?

There’s a long and short answer to that question. The short answer is don’t lose sleep (it’s out of your control) but get clarity and peace of mind by asking your school officials the right questions. 

The long answer is that cybercriminals have schools in their digital crosshairs. According to a recent report in The Hill, school districts are becoming top targets of malicious attacks, and government entities are scrambling to fight back. These attacks are costing school districts (taxpayers) serious dollars and costing kids (and parents) their privacy.


Prime Targets

According to one report, a U.S. school district becomes the victim of cyberattack as often as every three days. The reason for this is that cybercriminals want clean data to exploit for dozens of nefarious purposes. The best place to harvest pure data is schools where social security numbers are usually unblemished and go unchecked for years. At the same time, student data can be collected and sold on the dark web. Data at risk include vaccination records, birthdates, addresses, phone numbers, and contacts used for identity theft. 

Top three cyberthreats

7 Questions to Ask Your Child’s School About Cybersecurity Protocols

The top three threats against schools are data breaches, phishing scams, and ransomware. Data breaches can happen through phishing scams and malware attacks that could include malicious email links or fake accounts posing as acquaintances. In a ransomware attack, a hacker locks down a school’s digital network and holds data for a ransom. 

Over the past month, hackers have hit K-12 schools in New Jersey, New York, Wisconsin, Virginia, Oklahoma, Connecticut, and Louisiana. Universities are also targeted.

In the schools impacted, criminals were able to find loopholes in their security protocols. A loophole can be an unprotected device, a printer, or a malicious email link opened by a new employee. It can even be a calculated scam like the Virginia school duped into paying a fraudulent vendor $600,000 for a football field. The cybercrime scenarios are endless. 

7 key questions to ask

  1. Does the school have a data security and privacy policy in place as well as cyberattack response plan?
  2. Does the school have a system to educate staff, parents, and students about potential risks and safety protocols? 
  3. Does the school have a data protection officer on staff responsible for implementing security and privacy policies?
  4. Does the school have reputable third-party vendors to ensure the proper technology is in place to secure staff and student data?
  5. Are data security and student privacy a fundamental part of onboarding new school employees?
  6. Does the school create backups of valuable information and store them separately from the central server to protect against ransomware attacks?
  7. Does the school have any new technology initiatives planned? If so, how will it address student data protection?

The majority of schools are far from negligent. Leaders know the risks, and many have put recognized cybersecurity frameworks in place. Also, schools have the pressing challenge of 1) providing a technology-driven education to students while at the same time, 2) protecting student/staff privacy and 3) finding funds to address the escalating risk.

Families can add a layer of protection to a child’s data while at school by making sure devices are protected in a Bring Your Own Device (BYOD) setting. Cybersecurity is a shared responsibility. While schools work hard to implement safeguards, be sure you are taking responsibility in your digital life and equipping your kids to do the same. 

 

The post 7 Questions to Ask Your Child’s School About Cybersecurity Protocols appeared first on McAfee Blogs.

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How to Spring Clean Your Digital Life

How to Spring Clean Your Digital Life

With winter almost gone, now is the perfect time to start planning your annual spring clean. When we think about our yearly sort out, most of us think about decluttering our chaotic linen cupboards or the wardrobes that we can’t close. But if you want to minimise the opportunities for a hacker to get their hands on your private online information then a clean-up of your digital house (aka your online life) is absolutely essential.

How to Spring Clean Your Digital Life

Not Glamourous but Necessary

I totally accept that cleaning up your online life isn’t exciting but let me assure you it is a must if you want to avoid becoming a victim of identity theft.

Think about how much digital clutter we have accumulated over the years? Many of us have multiple social media, messaging and email accounts. And don’t forget about all the online newsletters and ‘accounts’ we have signed up for with stores and online sites? Then there are the apps and programs we no longer use.

Well, all of this can be a liability. Holding onto accounts and files you don’t need exposes you to all sorts of risks. Your devices could be stolen or hacked or, a data breach could mean that your private details are exposed quite possibly on the Dark Web. In short, the less information that there is about you online, the better off you are.

Digital clutter can be distracting, exhausting to manage and most importantly, detrimental to your online safety. A thorough digital spring clean will help to protect your important, online personal information from cybercriminals.

What is Identity Theft?

Identity theft is a serious crime that can have devastating consequences for its victims. It occurs when a person’s personal information is stolen to be used primarily for financial gain. A detailed set of personal details is often all a hacker needs to access bank accounts, apply for loans or credit cards and basically destroy your credit rating and reputation.

How To Do a Digital Spring Clean

The good news is that digital spring cleaning doesn’t require nearly as much elbow grease as scrubbing down the microwave! Here are my top tips to add to your spring-cleaning list this year:

  1. Weed Out Your Old Devices

Gather together every laptop, desktop computer, tablet and smartphone that lives in your house. Now, you need to be strong – work out which devices are past their use-by date and which need to be spring cleaned.

If it is finally time to part ways with your first iPad or the old family desktop, make sure any important documents or holiday photos are backed up in a few places (on another computer, an external hard drive AND in cloud storage program such as Dropbox and or iCloud) so you can erase all remaining data and recycle the device with peace of mind. Careful not to get ‘deleting’ confused with ‘erasing,’ which means permanently clearing data from a device. Deleted files can often linger in a device’s recycling folder.

  1. Ensure Your Machines Are Clean!

It is not uncommon for viruses or malware to find their way onto your devices through outdated software so ensure all your internet-connected devices have the latest software updates including operating systems and browsers. Ideally, you should ensure that you are running the latest version of apps too. Most software packages do auto-update but please take the time to ensure this is happening on all your devices.

  1. Review and Consolidate Files, Applications and Services

Our devices play such a huge part in our day to day lives so it is inevitable that they become very cluttered. Your kids’ old school assignments, outdated apps and programs, online subscriptions and unused accounts are likely lingering on your devices.

The big problem with old accounts is that they get hacked! And they can often lead hackers to your current accounts so it’s a no-brainer to ensure the number of accounts you are using is kept to a minimum.

Once you have decided which apps and accounts you are keeping, take some time to review the latest privacy agreements and settings so you understand what data they are collecting and when they are collecting it. You might also discover that some of your apps are using far more of your data than you realised! Might be time to opt-out!

  1. Update Passwords and Enable Two-Factor Authentication

As the average consumer manages a whopping 11 online accounts – social media, shopping, banking, entertainment, the list goes on – updating our passwords is an important ‘cyber hygiene’ practice that is often neglected. Why not use your digital spring cleaning as an excuse to update and strengthen your credentials?

Creating long and unique passwords using a variety of upper and lowercase numbers, letters and symbols is an essential way of protecting yourself and your digital assets online. And if that all feels too complicated, why not consider a password management solution? Password managers help you create, manage and organise your passwords. Some security software solutions include a password manager such as McAfee Total Protection.

Finally, wherever possible, you should enable two-factor authentication for your accounts to add an extra layer of defense against cyber criminals. Two-factor authentication is where a user is verified by opt-out password or one-off code through a separate personal device like a smart phone.

Still not convinced? If you use social media, shop online, subscribe to specialist newsletters then your existence is scattered across the internet. By failing to clean up your ‘digital junk’ you are effectively giving a set of front door keys to hackers and risking having your identity stolen. Not a great scenario at all. So, make yourself a cuppa and get to work!

Til Next Time

Alex xx

 

 

 

 

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Clicks & Cliques: How to Help Your Daughter Deal with Mean Girls Online

Clicks & Cliques: How to Help Your Daughter Deal with Mean Girls Online

Clicks & Cliques: How to Help Your Daughter Deal with Mean Girls OnlineAccording to a new report released by the National Center for Education Statistics (NCES), mean girls are out in force online. Data shows that girls report three times as much harassment online (21%) as boys (less than 7%). While the new data does not specify the gender of the aggressors, experts say most girls are bullied by other girls.

With school back in full swing, it’s a great time to talk with your kids — especially girls — about how to deal with cyberbullies. Doing so could mean the difference between a smooth school year and a tumultuous one.

The mean girl phenomenon, brought into the spotlight by the 2004 movie of the same name, isn’t new. Only today, mean girls use social media to dish the dirt, which can be devastating to those targeted. Mean girls are known to use cruel digital tactics such as exclusion, cliques, spreading rumors online, name-calling, physical threats, sharing explicit images of others, shaming, sharing secrets, and recruiting others to join the harassment effort.

How parents can help

Show empathy. If your daughter is the target of mean girls online, she needs your ears and your empathy. The simple, powerful phrase, “I understand,” can be an instant bridge builder. Parents may have trouble comprehending the devastating effects of cyberbullying because they, unlike their child, did not grow up under the threat of being electronically attacked or humiliated. This lack of understanding, or empathy gap, can be closed by a parent making every effort empathize with a child’s pain.

Encourage confidence and assertiveness. Mean girls target people they consider weak or vulnerable. If they know they can exploit another person publicly and get away with it, it’s game on. Even if your daughter is timid, confidence and assertiveness can be practiced and learned. Find teachable moments at home and challenge your daughter to boldly express her opinions, thoughts, and feelings. Her ability to stand up for herself will grow over time, so get started role-playing and brainstorming various ways to respond to mean girls with confidence.

Ask for help. Kids often keep bullying a secret to keep a situation from getting worse. Unfortunately, this thinking can backfire. Encourage your daughter to reach out for help if a mean girl situation escalates. She can reach out to a teacher, a parent, or a trusted adult. She can also reach out to peers. There’s power in numbers, so asking friends to come alongside during a conflict can curb a cyberbully’s efforts.Clicks & Cliques: How to Help Your Daughter Deal with Mean Girls Online

Exercise self-control. When it comes to her behavior, mean girls habitually go low, so encourage your daughter always to go high.  Regardless of the cruelty dished out, it’s important to maintain a higher standard. Staying calm, using respectful, non-aggressive language, and speaking in a confident voice, can discourage a mean girl’s actions faster than retribution.

Build a healthy perspective. Remind your daughter that even though bullying feels extremely personal, it’s not. A mean girl’s behavior reflects her own pain and character deficits, which has nothing to do with her target. As much as possible, help your daughter separate herself from the rumors or lies being falsely attached to her. Remind her of her strengths and the bigger picture that exists beyond the halls of middle school and high school.

Teach and prioritize self-care. In this context, self-care is about balance and intention. It includes spending more time doing what builds you up emotionally and physically — such as sleep and exercise — and less time doing things that deplete you (like mindlessly scrolling through Instagram).

Digitally walk away. When mean girls attack online, they are looking for a fight. However, if their audience disengages, a bully can quickly lose power and interest. Walk away digitally by not responding, unfollowing, blocking, flagging, or reporting an abusive account. Parents can also help by monitoring social activity with comprehensive software. Knowing where your child spends time online and with whom, is one way to spot the signs of cyberbullying.

Parenting doesn’t necessarily get easier as our kids get older and social media only adds another layer of complexity and concern. Even so, with consistent family conversation and connection, parents can equip kids to handle any situation that comes at them online.

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Boost Your Bluetooth Security: 3 Tips to Prevent KNOB Attacks

Boost Your Bluetooth Security: 3 Tips to Prevent KNOB Attacks

Many of us use Bluetooth technology for its convenience and sharing capabilities. Whether you’re using wireless headphones or quickly Airdropping photos to your friend, Bluetooth has a variety of benefits that users take advantage of every day. But like many other technologies, Bluetooth isn’t immune to cyberattacks. According to Ars Technica, researchers have recently discovered a weakness in the Bluetooth wireless standard that could allow attackers to intercept device keystrokes, contact lists, and other sensitive data sent from billions of devices.

The Key Negotiation of Bluetooth attack, or “KNOB” for short, exploits this weakness by forcing two or more devices to choose an encryption key just a single byte in length before establishing a Bluetooth connection, allowing attackers within radio range to quickly crack the key and access users’ data. From there, hackers can use the cracked key to decrypt data passed between devices, including keystrokes from messages, address books uploaded from a smartphone to a car dashboard, and photos.

Boost Your Bluetooth Security: 3 Tips to Prevent KNOB Attacks

What makes KNOB so stealthy? For starters, the attack doesn’t require a hacker to have any previously shared secret material or to observe the pairing process of the targeted devices. Additionally, the exploit keeps itself hidden from Bluetooth apps and the operating systems they run on, making it very difficult to spot the attack.

While the Bluetooth Special Interest Group (the body that oversees the wireless standard) has not yet provided a fix, there are still several ways users can protect themselves from this threat. Follow these tips to help keep your Bluetooth-compatible devices secure:

  • Adjust your Bluetooth settings. To avoid this attack altogether, turn off Bluetooth in your device settings.
  • Beware of what you share. Make it a habit to not share sensitive, personal information over Bluetooth.
  • Turn on automatic updates. A handful of companies, including Microsoft, Apple, and Google, have released patches to mitigate this vulnerability. To ensure that you have the latest security patches for vulnerabilities such as this, turn on automatic updates in your device settings.

And, of course, to stay updated on all of the latest consumer and mobile security threats, follow @McAfee_Home on Twitter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.

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Digital Parenting: How to Keep the Peace with Your Kids Online

Digital Parenting: How to Keep the Peace with Your Kids Online

Digital Parenting: How to Keep the Peace with Your Kids OnlineSimply by downloading the right combination of apps, parents can now track their child’s location 24/7, monitor their same social conversations, and inject their thoughts into their lives in a split second. To a parent, that’s called safety. To kids, it’s considered maddening.

Kids are making it clear that parents armed with apps are overstepping their roles in many ways. And, parents, concerned about the risks online are making it clear they aren’t about to let their kids run wild.

I recently watched the relationship of a mother and her 16-year-old daughter fall apart over the course of a year. When the daughter got her driver’s license (along with her first boyfriend), the mother started tracking her daughter’s location with the Life360 app to ease her mind. However, the more she tracked, the more the confrontations escalated. Eventually, the daughter, feeling penned in, waged a full-blown rebellion that is still going strong.

There’s no perfect way to parent, especially in the digital space. There are, however, a few ways that might help us drive our digital lanes more efficiently and keep the peace. But first, we may need to curb (or ‘chill out on’ as my kids put it) some annoying behaviors we may have picked up along the way.

Here are just a few ways to keep the peace and avoid colliding with your kids online:

Interact with care on their social media. It’s not personal. It’s human nature. Kids (tweens and teens) don’t want to hang out with their parents in public — that especially applies online. They also usually aren’t too crazy about you connecting with their friends online. And tagging your tween or teen in photos? Yeah, that’s taboo. Tip: If you need to comment on a photo (be it positive or negative) do it in person or with a direct message, not under the floodlights of social media. This is simply respecting your child’s social boundaries. 

Ask before you share pictures. Most parents think posting pictures of their kids online is a simple expression of love or pride, but to kids, it can be extremely embarrassing, and even an invasion of privacy. Tip: Be discerning about how much you post about your kids online and what you post. Junior may not think a baby picture of him potty training is so cute. Go the extra step and ask your child’s permission before posting a photo of them. Digital Parenting: How to Keep the Peace with Your Kids Online

Keep tracking and monitoring in check. Just because you have the means to monitor your kids 24/7 doesn’t mean you should. It’s wise to know where your child goes online (and off) but when that action slips into a preoccupation, it can wreck a relationship (it’s also exhausting). The fact that some kids make poor digital choices doesn’t mean your child will. If your fears about the online world and assumptions about your child’s behavior have led you to obsessively track their location, monitor their conversations, and hover online, it may be time to re-engineer your approach. Tip: Put the relationship with your child first. Invest as much time into talking to your kids and spending one-one time with them as you do tracking them. Put conversation before control so that you can parent from confidence, rather than fear.

Avoid interfering in conflicts. Kids will be bullied, meet people who don’t like them and go through tough situations. Keeping kids safe online can be done with wise, respectful monitoring. However, that monitoring can slip into lawnmower parenting (mowing over any obstacle that gets in a child’s path) as described in this viral essay. Tip: Don’t block your child’s path to becoming a capable adult. Unless there’s a serious issue to your child’s health and safety, try to stay out of his or her online conflicts. Keep it on your radar but let it play out. Allow your child to deal with peers, feel pain, and find solutions. 

As parents, we’re all trying to find the balance between allowing kids to have their space online and still keep them safe. Too much tracking can cause serious family strife while too little can be inattentive in light of the risks. Parenting today is a difficult road that’s always a work-in-progress so give yourself permission to keep learning and improving your process along the way

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The Cerberus Banking Trojan: 3 Tips to Secure Your Financial Data

The Cerberus Banking Trojan: 3 Tips to Secure Your Financial Data

A new banking trojan has emerged and is going after users’ Android devices. Dubbed Cerberus, this remote access trojan allows a distant attacker to take over an infected Android device, giving the attacker the ability to conduct overlay attacks, gain SMS control, and harvest the victim’s contact list. What’s more, the author of the Cerberus malware has decided to rent out the banking trojan to other cybercriminals as a means to spread these attacks.

According to The Hacker News, the author claims that this malware was completely written from scratch and doesn’t reuse code from other existing banking trojans. Researchers who analyzed a sample of the Cerberus trojan found that it has a pretty common list of features including the ability to take screenshots, hijacking SMS messages, stealing contact lists, stealing account credentials, and more.

When an Android device becomes infected with the Cerberus trojan, the malware hides its icon from the application drawer. Then, it disguises itself as Flash Player Service to gain accessibility permission. If permission is granted, Cerberus will automatically register the compromised device to its command-and-control server, allowing the attacker to control the device remotely. To steal a victim’s credit card number or banking information, Cerberus launches remote screen overlay attacks. This type of attack displays an overlay on top of legitimate mobile banking apps and tricks users into entering their credentials onto a fake login screen. What’s more, Cerberus has already developed overlay attacks for a total of 30 unique targets and banking apps.

The Cerberus Banking Trojan: 3 Tips to Secure Your Financial Data

So, what can Android users do to secure their devices from the Cerberus banking trojan? Check out the following tips to help keep your financial data safe:

  • Be careful what you download.Cerberus malware relies on social engineering tactics to make its way onto a victim’s device. Therefore, think twice about what you download or even plug into your device.
  • Click with caution.Only click on links from trusted sources. If you receive an email or text message from an unknown sender asking you to click on a suspicious link, stay cautious and avoid interacting with the message altogether.
  • Use comprehensive security. Whether you’re using a mobile banking app on your phone or browsing the internet on your desktop, it’s important to safeguard all of your devices with an extra layer of security. Use robust security software like McAfee Total Protection so you can connect with confidence.

And, of course, stay on top of the latest consumer and mobile security threats by following me and @McAfee_Home on Twitter, listen to our podcast Hackable?, and ‘Like’ us on Facebook.

The post The Cerberus Banking Trojan: 3 Tips to Secure Your Financial Data appeared first on McAfee Blogs.

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How to Build Your 5G Preparedness Toolkit

How to Build Your 5G Preparedness Toolkit

5G has been nearly a decade in the making but has really dominated the mobile conversation in the last year or so. This isn’t surprising considering the potential benefits this new type of network will provide to organizations and users alike. However, just like with any new technological advancement, there are a lot of questions being asked and uncertainties being raised around accessibility, as well as cybersecurity. The introduction of this next-generation network could bring more avenues for potential cyberthreats, potentially increasing the likelihood of denial-of-service, or DDoS, attacks due to the sheer number of connected devices. However, as valid as these concerns may be, we may be getting a bit ahead of ourselves here. While 5G has gone from an idea to a reality in a short amount of time for a handful of cities, these advancements haven’t happened without a series of setbacks and speedbumps.

In April 2019, Verizon was the first to launch a next-generation network, with other cellular carriers following closely behind. While a technological milestone in and of itself, some 5G networks are only available in select cities, even limited to just specific parts of the city. Beyond the not-so widespread availability of 5G, internet speeds of the network have performed at a multitude of levels depending on the cellular carrier. Even if users are located in a 5G-enabled area, if they are without a 5G-enabled phone they will not be able to access all the benefits the network provides. These three factors – user location, network limitation of certain wireless carriers, and availability of 5G-enabled smartphones – must align for users to take full advantage of this exciting innovation.

While there is still a lot of uncertainty surrounding the future of 5G, as well as what cyberthreats may emerge as a result of its rollout, there are a few things users can do to prepare for the transition. To get your cybersecurity priorities in order, take a look at our 5G preparedness toolkit to ensure you’re prepared when the nationwide roll-out happens:

  • Follow the news. Since the announcement of a 5G enabled network, stories surrounding the network’s development and updates have been at the forefront of the technology conversation. Be sure to read up on all the latest to ensure you are well-informed to make decisions about whether 5G is something you want to be a part of now or in the future.
  • Do your research. With new 5G-enabled smartphones about to hit the market, ensure you pick the right one for you, as well as one that aligns with your cybersecurity priorities. The right decision for you might be to keep your 4G-enabled phone while the kinks and vulnerabilities of 5G get worked out. Just be sure that you are fully informed before making the switch and that all of your devices are protected.
  • Be sure to update your IoT devices factory settings. 5G will enable more and more IoT products to come online, and most of these connected products aren’t necessarily designed to be “security first.” A device may be vulnerable as soon as the box is opened, and many cybercriminals know how to get into vulnerable IoT devices via default settings. By changing the factory settings, you can instantly upgrade your device’s security and ensure your home network is secure.
  • Add an extra layer of security.As mentioned, with 5G creating more avenues for potential cyberthreats, it is a good idea to invest in comprehensive mobile security to apply to all of your devices to stay secure while on-the-go or at home.

Interested in learning more about IoT and mobile security trends and information? Follow @McAfee_Home on Twitter, and ‘Like” us on Facebook.

The post How to Build Your 5G Preparedness Toolkit appeared first on McAfee Blogs.

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How To Help Your Kids Manage Our ‘Culture of Likes’

How To Help Your Kids Manage Our ‘Culture of Likes’

As a mum of 4 sons, my biggest concerns about the era of social media is the impact of the ‘like culture’ on our children’s mental health. The need to generate likes online has become a biological compulsion for many teens and let’s be honest – adults too! The rush of dopamine that surges through one’s body when a new like has been received can make this like culture understandably addictive.

 

How To Help Your Kids Manage Our ‘Culture of Likes’

Research Shows Likes Can Make You Feel As Good As Chocolate!

The reason why our offspring (and even us) just can’t give up social media is because it can make us feel just so damn good! In fact, the dopamine surges we get from the likes we collect can give us a true psychological high and create a reward loop that is almost impossible to break. Research published in Psychological Science, a journal of the Association for Psychological Science, shows the brain circuits that are activated by eating chocolate and winning money are also activated when teens see large numbers of ‘likes’ on their own photos or photos of peers in a social network.

Likes and Self Worth

Approval and validation by our peers has, unfortunately, always had an impact on our sense of self-worth. Before the era of social media, teens may have measured this approval by the number of invitations they received to parties or the number of cards they received on their birthday. But in the digital world of the 21st  century, this is measured very publicly through the number of followers we have or the number of likes we receive on our posts.

But this is dangerous territory. Living our lives purely for the approval of others is a perilous game. If our self-worth is reliant on the amount of likes we receive then we are living very fragile existences.

Instagram’s Big Move

In recognition of the competition social media has become for many, Instagram has decided to trial hiding the likes tally on posts. Instagram believes this move, which is also being trialled in six other countries including Canada and New Zealand, will improve the well-being of users and allow them to focus more on ‘telling their story’ and less on their likes tally.

But the move has been met with criticism. Some believe Instagram is ‘mollycoddling’ the more fragile members of our community whilst others believe it is threatening the livelihood of ‘Insta influencers’ whose income is reliant on public displays of likes.

Does Instagram’s Move Really Solve Address our Likes Culture?

While I applaud Instagram for taking a step to address the wellbeing and mental health of users, I believe that it won’t be long before users simply find another method of social validation to replace our likes stats. Whether it’s follower numbers or the amount of comments or shares, many of us have been wired to view social media platforms like Instagram as a digital popularity contest so will adjust accordingly. Preparing our kids for the harshness of this competitive digital environment needs to be a priority for all parents.

What Can Parents Do?

Before your child joins social media, it is imperative that you do your prep work with your child. There are several things that need to be discussed:

  1. Your Kids Are So Much More Than Their Likes Tally

It is not uncommon for tweens and teens to judge their worth by the number of followers or likes they receive on their social media posts. Clearly, this is crazy but a common trend/ So, please discuss the irrationality of the likes culture and online popularity contest that has become a feature of almost all social media platforms. Make sure they understand that social media platforms play on the ‘reward loop’ that keep us coming back for more. Likes on our posts and validating comments from our followers provide hits of dopamine that means we find it hard to step away. While many tweens and teens view likes as a measure of social acceptance, it is essential that you continue to tell them that this is not a true measure of a person.

  1. Encourage Off-Line Activities

Help your kids develop skills and relationships that are not dependent on screens. Fill their time with activities that build face-to-face friendships and develop their individual talents. Whether it’s sport, music, drama, volunteering or even a part time job – ensuring your child has a life away from screens is essential to creating balance.

  1. Education is Key

Teaching your kids to be cyber safe and good digital citizens will minimise the chances of them experiencing any issues online. Reminding them about the perils of oversharing online, the importance of proactively managing their digital reputation and the harsh reality of online predators will prepare them for the inevitable challenges they will have to navigate.

  1. Keep the Communication Channels Open – Always!

Ensuring your kids really understand that they can speak to you about ANYTHING that is worrying them online is one of the best digital parenting insurance policies available. If they do come to you with an issue, it is essential that you remain calm and do not threaten to disconnect them from their online life. Whether it’s cyberbullying, inappropriate texting or a leak of their personal information, working with them to troubleshoot and solve problems and challenges they face is a must for all digital parents.

Like many parents, I wish I could wave a magic wand and get rid of the competition the likes culture has created online for many of our teens. But that is not possible. So, instead let’s work with our kids to educate them about its futility and help them develop a genuine sense of self-worth that will buffer them from harshness this likes culture has created.

Alex xx

The post How To Help Your Kids Manage Our ‘Culture of Likes’ appeared first on McAfee Blogs.

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