{"id":3581,"date":"2015-02-12T14:00:13","date_gmt":"2015-02-12T14:00:13","guid":{"rendered":"http:\/\/kasperskydaily.com\/b2b\/?p=3581"},"modified":"2020-02-27T03:53:21","modified_gmt":"2020-02-26T16:53:21","slug":"why-electronic-payments-get-attacked","status":"publish","type":"post","link":"https:\/\/www.kaspersky.com.au\/blog\/why-electronic-payments-get-attacked\/3581\/","title":{"rendered":"Why electronic payments get attacked?"},"content":{"rendered":"

As we\u2019ve written earlier<\/a>, a large \u2013 and ever-increasing \u2013 portion of payments are conducted electronically these days<\/a>. It\u2019s hard to imagine a legit business paying in cash, with film noire-style briefcases fully laden with money packs changing hands. It\u2019s all about electronic payments now, conducted via the Web.<\/p>\n

While fast and convenient, such payments are a risky matter if not secured properly. And in this regard, smaller businesses appear to be the target of choice for criminals.<\/p>\n

Why electronic payments get attacked? #protectmybiz<\/p>Tweet<\/a><\/blockquote>\n

To see, why this is happening, some explanations are necessary.<\/p>\n

\u00a0\u201cCriminal\u201d first, \u201ccyber-\u201d second<\/strong><\/p>\n

Cybercriminals today are \u201ccriminals\u201d first, \u201ccyber-\u201d second: they are mostly interested in a fast and easy profit, not the thoughtful, thorough operations of Arsene Lupin\u2019s<\/a> style and brilliance. Hi-tech crime became less \u201chi\u201d and less intellectual<\/a> with the multitude of tools to steal money and data available on underground forums and markets for unremarkable prices. Their effort-to-profit rates are very lucrative<\/a>.<\/p>\n

An \u201coffline\u201d pickpocket needs to have at least a good level of stealth and agility for his \u201cjob\u201d, a safe-cracker needs a lot of skill as well. Both of them need to be able to run fast. A \u201ccybercriminal\u201d needs neither \u2013 just some knowledge of where to get a \u201ctool\u201d and how to use it and get away without a fuss.<\/p>\n

Easier to get away <\/strong><\/p>\n

It doesn\u2019t mean, however, that these thieves and robbers should be disregarded as posing no threat. Electronic payments often become targets because stealing them is easy to do and get away with, leaving no trace. It\u2019s easier than robbing a person in a back alley and making off with the loot. Otherwise, there\u2019s little difference.<\/p>\n

The \u201cdigital lockpicks\u201d they use are programmed to be very effective, and if your business isn\u2019t protected from attacks directed at your bank account, the amount of damage is only limited to the robbers\u2019 mercy, which they are unlikely to appear.<\/p>\n

Too expensive to protect yourselves?<\/strong><\/p>\n

It\u2019s also unlikely that they\u2019ll be interested in whether your business is large or small. The belief that \u201cwe are too small to be of interest to criminals\u201d doesn\u2019t work since cybercriminals are well aware that small businesses are \u201csofter\u201d targets. They sometimes prefer saving on extra protection for their payments either because they expect banks to provide \u201cabsolute\u201d protection (which isn\u2019t the case), or they consider payment protection systems surplus or too expensive for them. This is wrong, too.<\/p>\n

E-payment protection systems are affordable and very useful. #protectmybiz<\/p>Tweet<\/a><\/blockquote>\n

How to protect the payment transaction? First, it\u2019s necessary to make sure your PC is connected to your bank or payment service\u2019s site, not some imitation, and that there\u2019s no one \u201ceavesdropping\u201d \u2013 i.e. there\u2019s no way to intercept your login, password, and one-time password sent from the bank to your mobile device. These are the standard threats that need warding off.<\/p>\n

That\u2019s exactly what Kaspersky Lab\u2019s Safe Money (shipped along with Kaspersky Small Office Security suite or as a separate product) does: it checks authenticity of the financial organization\u2019s website, and establishes a secure communication, preventing any kind of attack.<\/p>\n

That\u2019s it: your money is safe. And thieves draw a blank.<\/p>\n","protected":false},"excerpt":{"rendered":"

While fast and convenient, electronic payments are a risky matter if not secured properly.<\/p>\n","protected":false},"author":209,"featured_media":15765,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1999,2994],"tags":[2287,503,179],"class_list":{"0":"post-3581","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business","8":"category-smb","9":"tag-electronic-payments","10":"tag-kaspersky-small-office-security","11":"tag-safe-money"},"hreflang":[{"hreflang":"en-au","url":"https:\/\/www.kaspersky.com.au\/blog\/why-electronic-payments-get-attacked\/3581\/"},{"hreflang":"x-default","url":"https:\/\/www.kaspersky.com\/blog\/why-electronic-payments-get-attacked\/3581\/"},{"hreflang":"en-za","url":"https:\/\/www.kaspersky.co.za\/blog\/why-electronic-payments-get-attacked\/3581\/"}],"acf":[],"banners":"","maintag":{"url":"https:\/\/www.kaspersky.com.au\/blog\/tag\/electronic-payments\/","name":"Electronic Payments"},"_links":{"self":[{"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/posts\/3581","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/users\/209"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/comments?post=3581"}],"version-history":[{"count":3,"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/posts\/3581\/revisions"}],"predecessor-version":[{"id":26643,"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/posts\/3581\/revisions\/26643"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/media\/15765"}],"wp:attachment":[{"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/media?parent=3581"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/categories?post=3581"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kaspersky.com.au\/blog\/wp-json\/wp\/v2\/tags?post=3581"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}