From paying bills to making purchases, our money flows online, which unfortunately makes us targets for cybercriminals. Mateusz Stefański from Alior Bank talked about how to protect our finances in our studio.
The growing threat of cybercrime
As we increasingly rely on online banking and digital transactions, cybercriminals are adapting their methods, using advanced techniques to deceive us and cause costly mistakes. They often impersonate trusted individuals or institutions to take advantage of our trust. Unlike traditional cash manipulation, today’s cybercriminals use social media and personalized communication channels to gather information and launch targeted attacks.
The role of banks in cybersecurity
Banks have a significant responsibility to protect their customers from cyber threats. According to Mateusz Stefański, banks constantly inform customers about current threats and offer advice on safe online practices. Their goal is not only to secure the bank itself, but also to educate customers on how to avoid emotional traps set by cybercriminals.
Human vulnerability
A key point raised in the discussion is that people are often the weakest link in cybersecurity. Stefanski shared a personal anecdote about his son who was tricked into providing his PIN in an online game. This shows how even the most technologically advanced people can fall victim to sophisticated phishing scams.
Practical steps to protect yourself
Stefanski emphasized three key steps to avoid falling victim to cyberattacks:
1. Stop and think: When you receive suspicious messages, stop for a moment, breathe and think before you react.
2. Verify through multiple channels: If you receive a message or email that seems urgent, verify its authenticity through another method, such as by checking the official website or calling the institution directly.
3. Never share sensitive information: Banks and legitimate institutions will never ask for your passwords or PINs. Never share such data.
The big picture of cybersecurity
Cybersecurity is not just a problem for banks; it is an ecosystem-wide issue, spanning various suppliers and service providers. The new regulations aim to strengthen the security of the entire ecosystem, preparing it for hybrid warfare and everyday cyberattacks. These regulations ensure that not only banks but also all related companies maintain high security standards.
Consequences for customers
Although the new regulations are mainly aimed at institutions, customers will also benefit. Measures such as biometrics and two-factor authentication increase security without overburdening users. These steps increase overall awareness and competency, extending beyond financial services to all online activities.
In an era where cyber threats are constantly evolving, staying informed and vigilant is key. By following basic safety rules and taking advantage of the improved security features offered by banks, we can better protect our finances online. As the conversation with Mateusz Stefański shows, cybersecurity is a shared responsibility that requires awareness and proactive actions on the part of both institutions and individuals.
