Nigeria is scaling new heights in banking and online marketing. Virtually all the banks in Nigeria now make online transaction available to their clients. You can make purchase online via your bank ATM card, be it MasterCard, verve or visa card. You can buy airtime for your mobile device directly from your bank account.

You can place orders for goods and services online and pay with your ATM card on online payment portals.

These are great innovations and make life very easy for Nigerians. It connects Nigeria through World Wide Web to the rest of the world and makes it easy for Nigerians to transact business both locally and internationally.

Be that as it may, what is the assurance that internet banking or online business transaction is safe? This write up will look into how really safe online payment in Nigeria is.

How safe is online payment in Nigeria
Truth is everything that has positives will also be accompanied by certain negatives. Scammers and online fraudsters are always making efforts on daily basis and devising new ways of carrying out their nefarious activities. Even if a system is thought to be safe, they can always device new ways of penetrating into such a system.

These fraudsters have made incursion into online banking too. The ease brought by online payment also brings ease for criminals. Some of the possible ways via which these fraudsters can rob you online will be highlighted below.

ATM Card Theft
Today, scammers are on the lookout for ATM cards to steal. Once they steal the card, they can make online transactions using your details. No online payment platform asks for your secret code when making payment; they only ask for the last set of numbers on your ATM card. Anyone who steals the card will easily have access to the last four digits and be able to rob you.

Phone Theft
If you are the type that links your phone number with your bank account and you lose the phone, you stand a good chance of also losing your money. How? The person who stole the phone can transfer all the money in your bank account to your phone as airtime and transfer same to his/her bank account.

Do not forget that banks do not demand for secret pin before you buy airtime from your bank account. It is therefore a freeway for fraudsters if they can lay their hands on your phone.

Phishing emails
This is a special kind of mail that seems to come from a reliable source; in real sense of it, the source is never reliable. In such mail, you will be asked to click on a link and provide certain information.

Clicking on such links will only reveal every personal detail you might have stored in your mailbox, including your email password, credit/debit card details and financial transaction information.

Conclusion
Never shop on a site if you are not sure of how secured that site is. Make sure you check the viability of a website before you provide your financial information on such a site. In fact, you should be very wary of providing your payment information on any site.

Any site that insists on getting your financial details should be avoided if you find such site unreliable.

Source: http://vastfinder..com/2017/01/online-payment-in-nigeria-is-it-really.html

lalasticlala, Mynd44

Top crazy most useful command prompt tricks

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It’s funny how some of the most powerful thing in a computer are usually neglected, command prompt (cmd.exe) is a very powerful app in a windows computer which is under-used by about 85% of windows users. As a result of this under-usage, only few people know the importance of command prompt.

1. Changing administrator password: You can change or modify administrator password in the command prompt. So you might be thinking “hey that’s not new, i can do that in the control panel”.Yes you can but in the control panel, you will be asked to input the old password before changing. but with cmd, you can change it without putting the old password. To do that, open cmd as an administrator and type “net user” this will display all the user account in the system. Next type,“net user” space “the user acount name” space “the new password”.

2. Creating an hotspot: You can shear your computer internet connection with other wi-fi devices by creating a hotspot or turning your laptop into a wifi-hotspot..

3. Systeminfo: With this command, you can get some nice information about your system. just type “system-info” e.g processor, memory, virtual ram.

4. hacking wifi password: This does not actually hack a WiFi-password, but it can help you get the password of any WiFi that was connected to your system. To explain better, imagine you went to a cyber-cafe with your computer to browse and the administrator secretly puts the password hoping after you are done, he will delete remove it.

Now this where cmd takes action because you can type some command that will display the password. To do that open cmd as an administrator and type “netsh wlan show profiles”

This will display all the WiFi that you have connected to before, to get the password type “netsh wlan show profile “the wifi name” key=clear. with that, you should get your password.

I totally agree with @VastfinderBlog on the issues of fraud and how to prevent it in Nigeria.

What we have noticed is that online payment fraud is a global issue (not just an issue with Nigeria). Unfortunately, when small businesses owners are exposed to this fraud, they might not have resources to pursue redress.

Since these activities happen online, online payment gateways have an important role to play in preventing this from happening by making sure that...

1. Businesses using them perform adequate KYC to prevent them from using the payment gateway for fraud

2. Ensure they have adequate intelligence gathering mechanism for transaction monitorings.

The good news is that fraud rates will go down if there is collaborations among all players. There is an article that discusses how VoguePay - an online payment solution in Nigeria - is making efforts to ensure that its merchants and users are safe from payment fraud. They are the perfect example I can give.

http://www.vanguardngr.com/2016/04/cybercrime-voguepay-seeks-cooperation-among-payment-firms-security-agencies/